Consumer Financial Health: Difference between revisions

Consumer Financial Health (view source)

Revision as of 21:07, 2 March 2023

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 * Transition rates into early delinquency for credit cards and auto loans increased by 0.6 and 0.4 percentage points, following similarly sized increases in the second and third quarters. Delinquency transition rates for mortgages upticked by 0.15 percentage points.
 * About 99,000 consumers had a bankruptcy notation added to their credit reports in 2022Q4, unchanged from the previous quarter
+====== Debt Service Payments as a Percent of Disposable Personal Income<ref>https://fred.stlouisfed.org/series/TDSP</ref><ref>https://www.federalreserve.gov/releases/housedebt/default.htm</ref> ======
+The debt service ratio has increased 17% since the lows in 2021, but remains below the Q4 2019 levels.
+{| class="wikitable"
+|'''Quarter'''
+|'''FOR'''
+|'''Total'''
+|'''Mortgage'''
+|'''Consumer'''
+|-
+|2018:1
+|14.86
+|9.88
+|4.20
+|5.68
+|-
+|2018:2
+|14.79
+|9.83
+|4.18
+|5.65
+|-
+|2018:3
+|14.75
+|9.81
+|4.15
+|5.66
+|-
+|2018:4
+|14.70
+|9.79
+|4.13
+|5.66
+|-
+|2019:1
+|14.66
+|9.78
+|4.12
+|5.65
+|-
+|2019:2
+|14.70
+|9.81
+|4.12
+|5.69
+|-
+|2019:3
+|14.70
+|9.82
+|4.10
+|5.72
+|-
+|2019:4
+|14.69
+|9.81
+|4.08
+|5.74
+|-
+|2020:1
+|14.61
+|9.75
+|4.04
+|5.70
+|-
+|2020:2
+|13.24
+|8.79
+|3.71
+|5.08
+|-
+|2020:3
+|13.74
+|9.10
+|3.83
+|5.27
+|-
+|2020:4
+|14.07
+|9.32
+|3.92
+|5.40
+|-
+|2021:1
+|12.57
+|8.33
+|3.48
+|4.85
+|-
+|2021:2
+|13.61
+|9.04
+|3.76
+|5.28
+|-
+|2021:3
+|13.73
+|9.14
+|3.78
+|5.36
+|-
+|2021:4
+|13.90
+|9.27
+|3.82
+|5.45
+|-
+|2022:1
+|14.27
+|9.53
+|3.90
+|5.64
+|-
+|2022:2
+|14.36
+|9.63
+|3.92
+|5.70
+|-
+|2022:3
+|14.49
+|9.75
+|3.99
+|5.76
+|}
 == Savings ==