Household Debt and Credit Conditions

The Quarterly Report on Household Debt and Credit takes advantage of the FRBNY Consumer Credit Panel, a unique longitudinal data set, to capture trends in borrowing and indebtedness of U.S. consumers. Reports are available from 2010 through the present.






View the 2013: Q3 Report

Download Q3 2013 Data
Household Debt and Credit Statistics by Area and Year
Household Debt and Credit Statistics by County
Pre 2003 Data Spreadsheet
Technical Notes
View Historical Reports
Dynamic Data
Credit Conditions
Credit Conditions in the United States
Interactive maps depicting trends in borrowing and indebtedness captured by the New York Fed’s Quarterly Report on Household Debt and Credit. Historical reports from 2010 through present.
Student Loan Debt History
Interactive graphics track student loan borrowing and delinquency rates by age group and over time.
Recent Articles
Just Released: Deleveraging Decelerates and Household Balances Increase
The latest Quarterly Report on Household Debt and Credit showed the first substantial increase in outstanding balances since 2008, when Americans began reducing their debts. The bloggers shed light on the report’s findings.
By Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw, Liberty Street Economics, November 14, 2013
What If? A Counterfactual SOMA Portfolio
The bloggers describe the New York Fed’s 2Q13 Quarterly Report on Household Debt and Credit as well as provide additional analysis on auto loans, whose balances have increased with the economic recovery.
By Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw, Liberty Street Economics, August 14, 2013
Just Released: The Geography of Student Debt
Our bloggers summarize key findings of the most recent report.
By Andrew Haughwout, Donghoon Lee, Wilbert van der Klaauw, and Joelle Scally, Liberty Street Economics, May 14, 2013
The Impact of Housing Markets on Consumer Debt: Credit Report Evidence from 1999 to 2012
The authors investigate the effects of large swings in the housing market on nonmortgage borrowing, including student, credit card, auto, and home equity debts.
By Meta Brown, Sarah Stein, and Basit Zafar, Staff Reports 617, May 2013
Young Student Loan Borrowers Retreat from Housing and Auto Markets
While highly skilled young workers have provided a vital influx of new, affluent consumers to U.S. housing and auto markets, unprecedented student debt may dampen their influence in today’s marketplace.
By Meta Brown and Sydnee Caldwell, Liberty Street Economics, April 17, 2013
Just Released: Has Household Deleveraging Continued?
The authors update their analysis of trends in household debt with newly available 2010 and 2011 FRBNY Consumer Credit Panel data.
By Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw, Liberty Street Economics, August 29, 2012
Grading Student Loans
The authors tap the FRBNY Consumer Credit Panel, a unique and nationally representative data set, to shed new light on levels of student loan borrowing, repayment, and delinquencies.
By Meta Brown, Andrew Haughwout, Donghoon Lee, Maricar Mabutas, and Wilbert van der Klaauw, Liberty Street Economics, March 5, 2012
Have Consumers Been Deleveraging?
Using data from special new credit dataset, the authors find consumers are borrowing less and paying off debt more quickly since the financial crisis began.
By Meta Brown, Andrew Haughwout, Donghoon Lee, and Wilbert van der Klauuw, Liberty Street Economics, March 21, 2011
The Financial Crisis at the Kitchen Table: Trends in Household Debt and Credit
The authors document trends in household debt and credit leading up to and following the 2008-09 financial crisis.
By Meta Brown, Andrew Haughwout, Donghoon Lee and Wilbert van der Klaauw, Staff Reports 480, December 2010