Household Debt and Credit

New York Fed Report Finds Advances in Auto Loans, Mortgage Originations
November 19, 2015

Survey of Consumer Expectations

SCE Credit Access — October 2015 November 18, 2015

SCE Credit Access Survey shows mostly stable credit market experiences compared to the June 2015 results. Expectations remained stable in general, though the reported likelihood of applying for all types of credit over the next year decreased slightly.

Consumers’ credit market experiences and expectations mostly stable
November 18, 2015

Survey of Consumer Expectations

Survey of Consumer Expectations — October 2015 November 9, 2015

The Federal Reserve Bank of New York today released results from its October 2015 Survey of Consumer Expectations (SCE) appear mixed. The median three-year ahead inflation expectation fell slightly to its lowest level since the inception of the survey and household income expectations recorded their largest one-month drop of the series. In contrast, earnings growth and household spending growth expectations both increased slightly, while the perceived probability of losing one’s job over the next 12 decreased to a new series low.

Consumers Anticipate Better Labor Market, Mixed Inflation Outcomes
November 9, 2015

Survey of Consumer Expectations

Housing Survey — 2015May 28, 2015

The 2015 SCE Housing Survey indicates that attitudes toward housing as a financial investment remain decidedly positive. U.S. households on average expect home price growth to continue at a 4.4 percent pace over the next year, comparable to the average year-ahead expectation reported in last year’s survey. Survey respondents expect mortgage rates to increase in coming years, but at a moderate pace. Among homeowners, the expressed likelihood of investing in improvements to the home has declined somewhat relative to last year. Most renters report that they would rather own than rent if they had the necessary financial resources; as in last year’s survey, a majority of them believe that it would be difficult to obtain a mortgage, although responses suggest a slight easing in perceived credit access. (This report is in pdf format.)

SCE Housing Survey 2015PDF | Chart PacketPDF

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Microeconomic Data

The Center for Microeconomic Data serves to centralize the collection, acquisition, and analysis of microeconomic data at the New York Fed and act as a catalyst for microeconomic research by promoting engagement with the wide academic community. The wide-ranging data, research, and analysis produced in the Center provide insight into individual-level financial and nonfinancial economic conditions, expectations, and behavior in the U.S.
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