Consumer Credit Conditions

New consumer credit measures of available credit, delinquency, and credit access and a composite index all built from deidentified consumer credit record data, the Consumer Financial Protection Bureau's Consumer Credit Index Panel (CCIP).

Data are quarterly and available nationally (mean and 10th, 25th, 50th, 75th, and 90th percentiles) and for several demographic subgroups (age, credit score, and neighborhood characteristics).

Brennecke, Claire and Bucks, Brian and Gibbs, Christa and Kambara, Michelle and LeBuhn, Samantha and Ratcliffe, Caroline, Measuring Consumer Credit Conditions (April 17, 2025). Consumer Financial Protection Bureau Office of Research Working Paper No. 25-05, Available at SSRN: https://ssrn.com/abstract=5222415 or http://dx.doi.org/10.2139/ssrn.5222415

本数据集基于去标识化消费者信贷记录数据构建，涵盖可用信贷额度、信贷违约、信贷准入等多项新型消费者信贷衡量指标及一项综合指数，数据来源于美国消费者金融保护局（Consumer Financial Protection Bureau）的消费者信贷指数面板（Consumer Credit Index Panel, CCIP）。
数据按季度发布，可获取全国层面的统计结果（包含均值及第10、25、50、75、90百分位数），同时覆盖多个人口统计亚组的相关数据，亚组划分维度包括年龄、信贷评分与社区特征。
作者为Brennecke, Claire、Bucks, Brian、Gibbs, Christa、Kambara, Michelle、LeBuhn, Samantha与Ratcliffe, Caroline，研究论文题为《衡量消费者信贷状况》（Measuring Consumer Credit Conditions），发布于2025年4月17日，属于美国消费者金融保护局研究办公室工作论文第25-05号，可在SSRN平台获取：https://ssrn.com/abstract=5222415，或通过DOI链接http://dx.doi.org/10.2139/ssrn.5222415访问。