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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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Number of Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customers' Precautionary Demand for Cash and Liquidity Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSPVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

Net Percentage of Other Domestic Banks Increasing Premiums Charged on Riskier Loans for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTROTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 35.0

Net Percentage of Domestic Banks Increasing Premiums Charged on Riskier Loans for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTRNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 34.5

Number of Domestic Banks That Eased and Reported That Improvement in Current or Expected Capital Position Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRECVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

Number of Domestic Banks That Eased and Reported That Increased Tolerance for Risk Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRERVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

Number of Domestic Banks That Tightened and Reported That Increased Concerns About the Effects of Legislative Changes, Supervisory Actions, or Changes in Accounting Standards Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTENNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 16.0

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 Less Aggressive Competition from Other Banks or Nonbank Lenders Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTASNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 17.0

Number of Domestic Banks That Tightened and Reported That Increased Concerns About the Effects of Legislative Changes, Supervisory Actions, or Changes in Accounting Standards Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTESNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 10.0

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

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

Number of Domestic Banks That Tightened and Reported That Deterioration in Current or Expected Capital Position Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTCNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 18.0

Number of Domestic Banks That Eased and Reported That Reduced Concerns About the Effects of Legislative Changes, Supervisory Actions, or Changes in Accounting Standards Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREENNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 6.0

Number of Domestic Banks That Eased and Reported That Reduction in Defaults by Borrowers in Public Debt Markets Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREDSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2011 8.0

Number of Large 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, SUBLPDCIREASLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 1.0

Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customers' Precautionary Demand for Cash and Liquidity Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWPVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

Net Percentage of Other Domestic Banks Reducing the Maximum Size of Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXTMOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

Number of Foreign Banks That Tightened and Reported That Worsening of Industry-Specific Problems Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRTIVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 2 Q1 2024 1.0

Net Percentage of Large Domestic Banks Tightening Loan Covenants for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTLLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 11.1

Net Percentage of Other Domestic Banks Reducing the Maximum Size Credit Lines for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTMOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 20.0

Net Percentage of Other Domestic Banks Increasing the Minimum Required Credit Score for Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLATROTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 3.1

Number of Large Domestic Banks That Tightened and Reported That Reduced Tolerance for Risk Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTRSLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 6.0

Net Percentage of Other Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds to Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTSOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 35.0

Net Percentage of Domestic Banks Increasing the Minimum Required Credit Score for Consumer Loans Excluding Credit Card Loans (DISCONTINUED) Quarterly, Not Seasonally Adjusted, SUBLPDCLOTRNQ
Units # of New/Revised Obs. Last Observation Percent 0 Q1 2011 3.8

Number of Large Domestic Banks That Eased and Reported That Increased Tolerance for Risk Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRERSLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 1.0

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

Net Percentage of Other Domestic Banks Increasing Collateral Requirements for Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTQOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 25.6

Number of Other Domestic Banks That Tightened and Reported That Decreased Liquidity in the Secondary Market for These (Commercial and Industrial) Loans Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTSVOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 1.0

Net Percentage of Large Domestic Banks Increasing the Minimum Required Down Payment on Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXTDLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

Number of Foreign Banks That Tightened and Reported That Increase in Defaults by Borrowers in Public Debt Markets Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRTDNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2011 1.0

Number of Large Domestic 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, SUBLPDCIRSIVLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 0.0

Number of Other Domestic Banks That Tightened and Reported That Deterioration in Current or Expected Capital Position Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTCSOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 5.0

Number of Other Domestic Banks That Eased and Reported That Improvement in Current or Expected Capital Position Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRECVOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Inventory Financing Needs Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWISNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 16.0

Net Percentage of Other Domestic Banks Reducing Credit Limits on Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCTCOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 18.5

Net Percentage of Large Domestic Banks Reducing the Maximum Maturity of Credit Lines for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTALGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 11.1

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

Number of Foreign 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 Somewhat Important Reason (DISCONTINUED) Quarterly, Not Seasonally Adjusted, SUBLPFCIRSRSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2013 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

Number of Other 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, SUBLPDCIRTDVOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2011 0.0

Number of Other Domestic Banks That Tightened and Reported That Less Aggressive Competition from Other Banks or Nonbank Lenders Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTAVOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 0.0

Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customers' Precautionary Demand for Cash and Liquidity Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWPNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 16.0

Net Percentage of Large Domestic Banks Increasing the Minimum Required Credit Score for Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXTRLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 25.0

Number of Domestic Banks That Eased and Reported That Increased Liquidity in the Secondary Market for These (Commercial and Industrial) Loans Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRESSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 1.0

Number of Domestic Banks That Eased and Reported That Reduced Concerns About the Effects of Legislative Changes, Supervisory Actions, or Changes in Accounting Standards Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREESNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 1.0

Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Customers' Transitioning from Commercial and Industrial Loans to Commercial Real Estate Loans Was Not an Important Reason (DISCONTINUED) Quarterly, Not Seasonally Adjusted, SUBLPDCIRWRNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2013 8.0

Net Percentage of Large Domestic Banks Reducing the Maximum Size Credit Lines for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTMLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 5.6

Net Percentage of Banks Reporting Stronger Demand for Mortgage Loans (DISCONTINUED) Quarterly, Not Seasonally Adjusted, H0SUBLPDHMDNQ
Units # of New/Revised Obs. Last Observation Percent 0 Q1 2007 -37.0

Number of Foreign Banks That Eased and Reported That More Favorable Economic Outlook Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIREONNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2021 0.0

Number of Other Domestic Banks That Eased and Reported That Increased Tolerance for Risk Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRERNOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 3.0