Net Percentage of Other Domestic Banks Tightening Standards for Consumer Loans Excluding Credit Card and Auto Loans
SUBLPDCLXSOTHNQ • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.60
Year-over-Year Change
N/A%
Date Range
4/1/2011 - 7/1/2025
Summary
Tracks bank lending standards for consumer loans, reflecting credit market tightness and potential economic constraints. Provides insight into banks' risk perception and credit availability.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
This metric measures banks' willingness to extend consumer credit by surveying lending standards. It indicates potential shifts in credit market conditions.
Methodology
Calculated through Federal Reserve Bank survey of domestic lending institutions.
Historical Context
Used by policymakers to assess credit market health and potential economic slowdown.
Key Facts
- Indicates bank risk assessment trends
- Reflects potential economic credit constraints
- Part of Federal Reserve lending survey
FAQs
Q: What does this economic indicator measure?
A: It tracks changes in banks' consumer loan lending standards across domestic banks. Higher percentages indicate tighter credit conditions.
Q: Why are consumer loan standards important?
A: They reflect banks' risk perception and potential economic constraints on consumer borrowing.
Q: How often is this data updated?
A: Typically updated quarterly through Federal Reserve bank surveys.
Q: What impacts consumer loan standards?
A: Economic conditions, bank risk assessments, and monetary policy influence lending standards.
Q: Can this indicator predict economic trends?
A: It serves as a leading indicator of potential economic slowdown or credit market changes.
Related Trends
Number of Other Domestic Banks That Eased and Reported That More Favorable Economic Outlook Was Not an Important Reason
SUBLPDCIREONOTHNQ
Number of Foreign Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Increased Customer Internally Generated Funds Was a Very Important Reason
SUBLPFCIRWGVNQ
Number of Large Domestic Banks That Eased and Reported That More Aggressive Competition From Other Banks or Nonbank Lenders Was a Somewhat Important Reason
SUBLPDCIREASLGNQ
Net Percentage of Other Domestic Banks Reporting Stronger Demand for Commercial Real Estate Loans Secured by Multifamily Residential Structures
SUBLPDRCDMOTHNQ
Number of Other Domestic Banks That Eased and Reported That Improvement in Current or Expected Liquidity Position Was Not an Important Reason
SUBLPDCIRELNOTHNQ
Number of Other Domestic Banks That Tightened and Reported That Current or Expected Liquidity Position Was a Somewhat Important Reason
SUBLPDCIRTLSOTHNQ
Citation
U.S. Federal Reserve, Net Percentage of Other Domestic Banks Tightening Standards for Consumer Loans (SUBLPDCLXSOTHNQ), retrieved from FRED.