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Banks Tightening Lending Standards
Net share of U.S. banks tightening standards, by loan type, %
Plays the chart through its history. Pauses are where the data set a record or moved most.
Business loans, large firms · Continuation · the recent trend, flattening · 1 year
Business loans, small firms · Continuation · the recent trend, flattening · 1 year
Credit cards · Continuation · the recent trend, flattening · 1 year
Dashed: the projection from the latest reading. A projection, not a promise.
From the Federal Reserve Senior Loan Officer Opinion Survey. Above zero, more banks are tightening than easing.
Whether banks are making it harder or easier to borrow. Readings above zero mean more loan officers report tighter terms than looser ones; tightening has tended to come before slowdowns.
What this chart reads
- Net Percentage of Banks Tightening Standards for C&I Loans to Large and Middle-Market Firmsas “Business loans, large firms”latest 2026-07-01
- Net Percentage of Banks Tightening Standards for C&I Loans to Small Firmsas “Business loans, small firms”latest 2026-07-01
- Net Percentage of Banks Tightening Standards for Credit Card Loansas “Credit cards”latest 2026-07-01
Sources
Net Percentage of Banks Tightening Standards for C&I Loans to Large and Middle-Market Firms. Source: Federal Reserve Board via FRED (DRTSCILM). Quarterly, public.
Net Percentage of Banks Tightening Standards for C&I Loans to Small Firms. Source: Federal Reserve Board via FRED (DRTSCIS). Quarterly, public.
Net Percentage of Banks Tightening Standards for Credit Card Loans. Source: Federal Reserve Board via FRED (DRTSCLCC). Quarterly, public.
Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.