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Senior Loan Officer Opinion Survey on Bank Lending Practices, Release Date: 2024-02-05

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Name
Senior Loan Officer Opinion Survey on Bank Lending Practices

Link
http://www.federalreserve.gov/boarddocs/SnLoanSurvey/

Source
Board of Governors of the Federal Reserve System (US)

Notes
For further information, please refer to the Board of Governors of the Federal Reserve System's Senior Loan Officer Opinion Survey on Bank Lending Practices release, online at http://www.federalreserve.gov/boarddocs/SnLoanSurvey/. For questions on the data, please contact the data source: https://www.federalreserve.gov/apps/ContactUs/feedback.aspx?refurl=/data/SLOOS% For questions on FRED functionality, please contact: https://fred.stlouisfed.org/contactus/

639 Series Revisions

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Net Percentage of Large Domestic Banks Reporting Stronger Demand for Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLADLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -21.4

Net Percentage of Other Domestic Banks Increasing the Minimum Required Credit Score for Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXTROTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 14.3

Net Percentage of Large Domestic Banks Tightening Policies on Consumer Loans Excluding Credit Card and Auto Loans to Customers That Do Not Meet Credit Scoring Thresholds Quarterly, Not Seasonally Adjusted, SUBLPDCLXTELGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 12.5

Number of Domestic Banks That Eased and Reported That Improvement in Industry-Specific Problems Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREIVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

Net Percentage of Other Domestic Banks Tightening Standards for Qualified Mortgage Non-Jumbo, Non-GSE-Eligible Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSQOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 17.1

Number of Domestic Banks That Eased and Reported That More Aggressive Competition from Other Banks or Nonbank Lenders Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREASNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 5.0

Net Percentage of Large Domestic Banks Tightening Standards for Non-Qualified Mortgage Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSKLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 5.9

Number of Domestic Banks That Tightened and Reported That Worsening of Industry-Specific Problems Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTIVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 3.0

Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Investment in Plant or Equipment Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRSESNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2022 0.0

Net Percentage of Other Domestic Banks Tightening Standards for Non-Qualified Mortgage Non-Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSMOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 18.2

Net Percentage of Foreign Banks Reporting Stronger Demand for Commercial and Industrial Loans Quarterly, Not Seasonally Adjusted, SUBLPFCIDNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -5.0

Net Percentage of Domestic Banks Increasing Collateral Requirements for Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTQNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 21.3

Net Percentage of Large Domestic Banks Tightening Standards for Government Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSGLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -6.3

Net Percentage of Other Domestic Banks Increasing Collateral Requirements for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTQOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 31.4

Net Percentage of Other Domestic Banks Increasing the Minimum Required Credit Score for Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCTROTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 14.8

Number of Domestic Banks That Tightened and Reported That Increase in Defaults by Borrowers in Public Debt Markets Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTDVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2011 0.0

Number of Other Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Shifts in Customer Borrowing to Other Bank or Nonbank Sources Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWSSOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 5.0

Net Percentage of Domestic Banks Increasing the Use of Interest Rate Floors for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTFNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 16.4

Net Percentage of Other Domestic Banks Reporting Stronger Demand for Commercial Real Estate Loans Secured by Nonfarm Nonresidential Structures Quarterly, Not Seasonally Adjusted, SUBLPDRCDNOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -52.6

Net Percentage of Other Domestic Banks Tightening Standards for Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLASOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 5.9

Net Percentage of Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds on Other Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXTSNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 19.6

Number of Large Domestic Banks That Eased and Reported That More Favorable Economic Outlook Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREONLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 2.0

Net Percentage of Domestic Banks Tightening Policies on Consumer Loans Excluding Credit Card and Auto Loans to Customers That Do Not Meet Credit Scoring Thresholds Quarterly, Not Seasonally Adjusted, SUBLPDCLXTENQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 15.7

Number of Large Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Customers' Transitioning from Commercial Real Estate Loans to Commercial and Industrial Loans Was a Very Important Reason (DISCONTINUED) Quarterly, Not Seasonally Adjusted, SUBLPDCIRSRVLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2013 0.0

Net Percentage of Large Domestic Banks Reducing the Maximum Size of Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLATMLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -7.1

Net Percentage of Other Domestic Banks Tightening Standards for Government Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSGOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 5.6

Number of Domestic Banks That Tightened and Reported That Worsening of Industry-Specific Problems Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTISNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 9.0

Number of Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Decreased Customer Internally Generated Funds Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSGVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

Net Percentage of Foreign Banks Tightening Loan Covenants Quarterly, Not Seasonally Adjusted, SUBLPFCITLNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 10.5

Net Percentage of Other Domestic Banks Tightening Loan Covenants for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTLOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 25.6

Number of Domestic Banks That Tightened and Reported That Less Favorable Economic Outlook Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTONNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 6.0

Net Percentage of Domestic Banks Reporting Stronger Demand for Commercial Real Estate Loans (DISCONTINUED) Quarterly, Not Seasonally Adjusted, DRSDCREL
Units # of New/Revised Obs. Last Observation Percent 0 Q3 2013 47.9

Net Percentage of Domestic Banks Tightening Policies on Consumer Loans Excluding Credit Card Loans for Customers That Do Not Meet Credit Scoring Thresholds (DISCONTINUED) Quarterly, Not Seasonally Adjusted, SUBLPDCLOTENQ
Units # of New/Revised Obs. Last Observation Percent 0 Q1 2011 3.8

Net Percentage of Domestic Banks Tightening Standards for Consumer Loans Excluding Credit Card (DISCONTINUED) Quarterly, Not Seasonally Adjusted, DRTSCOCL
Units # of New/Revised Obs. Last Observation Percent 0 Q1 2011 -3.7

Number of Large Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Decreased Customer Internally Generated Funds Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSGNLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 0.0

Net Percentage of Large Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds on Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLATSLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 14.3

Net Percentage of Large Domestic Banks Tightening Standards for Qualified Mortgage Non-Jumbo, Non-GSE-Eligible Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSQLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Accounts Receivable Financing Needs Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWANNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 5.0

Net Percentage of Large Domestic Banks Increasing the Minimum Required Credit Score for Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLATRLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

Number of Domestic Banks That Tightened and Reported That Decreased Liquidity in the Secondary Market for These (Commercial and Industrial) Loans Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTSSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 11.0

Net Percentage of Other Domestic Banks Increasing the Minimum Required Down Payment on Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXTDOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 8.6

Number of Domestic Banks That Eased and Reported That More Favorable Economic Outlook Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREOVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 1.0

Number of Domestic Banks That Eased and Reported That Improvement in Industry-Specific Problems Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREINNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 6.0

Net Percentage of Other Domestic Banks Tightening Standards for HELOCs Quarterly, Not Seasonally Adjusted, SUBLPDCLHSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 16.7

Number of Domestic Banks That Eased and Reported That Increased Tolerance for Risk Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRERNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 5.0

Number of Domestic Banks That Tightened and Reported That Worsening of Industry-Specific Problems Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTINNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 15.0

Number of Domestic Banks That Eased and Reported That Improvement in Current or Expected Capital Position Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRECSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 1.0

Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Merger or Acquisition Financing Needs Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRSMSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2022 1.0

Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Inventory Financing Needs Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRSIVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2022 0.0

Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Decreased Customer Internally Generated Funds Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRSGSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2022 0.0