Center for Microeconomic Data

 
SCE CREDIT ACCESS SURVEY
Credit Application Rate Declines; Rejections Increase
June Survey: The application rate for any kind of credit over the past twelve months slipped to 41.2 percent. The overall rejection rate for credit applicants rose to 21.4 percent, while the rejection rate for mortgages decreased.
July 15, 2024
SURVEY OF CONSUMER EXPECTATIONS
Consumers Expect Lower Inflation over the Next Year
June Survey: Inflation expectations declined at the short- and longer-term horizons to 3.0 percent and 2.8 percent, respectively, and increased slightly to 2.9 percent at the medium term. Median home price growth expectations decreased to 3.0 percent.
July 8, 2024
Quarterly Report on Household Debt and Credit
Transitions into Serious Delinquency Rise Again in First Quarter
Total household debt rose by $184 billion to reach $17.69 trillion, with mortgage balances increasing by $190 billion. Credit card debt fell, as is typical in the first quarter, but transitions into delinquency rose again for credit cards and auto loans.
May 14, 2024
SCE PUBLIC POLICY SURVEY
Increased Optimism about Expanded Public Assistance Programs
April Survey: Consumers’ expectations for expanded federal assistance and social insurance programs improved, with the average perceived likelihood of an increase in welfare and unemployment benefits rising to 36 percent and 30.4 percent, respectively.
May 28, 2024
The Teller Window
Why Inflation Expectations Matter:
10 Years of the SCE
Expectations shape behavior. That’s why the Survey of Consumer Expectations, now in its 10th year, is such an important tool for central bankers. This article looks at inflation expectations and how they shape people’s actions.
June 24, 2024

CREDIT CARDS
Credit card availability and use—including originations, extensions, balances, and delinquencies
VIEW
Report: Quarterly Report on Household Debt and Credit
Interactive: Household Debt and Credit
Interactive: SCE Credit Access Survey

HOUSING MARKET
Consumer experiences, behaviors, and expectations in the housing market—including mortgage financing
VIEW
Blog: How Are They Now? A Checkup on Homeowners Who Experienced Foreclosure
Interactive: SCE Housing Survey
Blog: Mortgage Rate Lock-In and Homeowners’ Moving Plans

INFLATION EXPECTATIONS
Consumers’ expectations and forecast uncertainty for overall inflation and home price growth, and expected price changes for key commodities
VIEW
Blog: Consumers’ Perspectives on the Recent Movements in Inflation
Press Release: Consumers Expect Lower Inflation and Slower Home Price Growth Over the Next Year

STUDENT DEBT
Borrowing and repayment trends in the student loan market
VIEW
Blog: The New York Fed Consumer Credit Panel: A Foundational CMD Data Set
Blog: Borrower Expectations for the Return of Student Loan Repayment
Report: 2022 Student Loan Update

SAVING AND SPENDING
Data and analysis focused on consumers’ overall financial health, including their ability to save, spend, and borrow
VIEW
Blog: Learning by Bouncing: Overdraft Experience and Salience
Blog: How and Why Do Consumers Use “Buy Now, Pay Later”?
Interactive: SCE Household Spending Survey

LABOR MARKET
Perceptions of labor market conditions, including the outlook for earnings growth and employment
VIEW
Blog: The Post Pandemic Shift in Retirement Expectations in the U.S.
Blog: The SCE: A Look Back at the Past Decade
Interactive: SCE Labor Market Survey

AUTO LOANS
Expectations and experiences with auto loans—including applications and rejections, balances, and delinquencies
VIEW
Blog: Auto Loan Delinquency Revs Up as Car Prices Stress Budgets
Interactive: SCE Credit Access Survey
Interactive: Household Debt and Credit

PUBLIC POLICY
Consumers’ outlook on public policy—likelihood of changes, impact of shifts
VIEW
Blog: Consumers Expect Modest Increase in Spending Growth and Continued Government Support
Interactive: SCE Public Policy Survey
By continuing to use our site, you agree to our Terms of Use and Privacy Statement. You can learn more about how we use cookies by reviewing our Privacy Statement.   Close