Line
Consumers With a New Bankruptcy or Foreclosure
Consumers with a new bankruptcy or foreclosure notation on their credit report each quarter, thousands
Plays the chart through its history. Pauses are where the data set a record or moved most.
New bankruptcies · Continuation · the recent trend, flattening · 1 year
New foreclosures · Continuation · the recent trend, flattening · 1 year
Dashed: the projection from the latest reading. Shaded: the range about two in three outcomes land in. A projection, not a promise.
New York Fed Consumer Credit Panel/Equifax, Quarterly Report on Household Debt and Credit. The late-2005 bankruptcy spike is filings rushed ahead of that year’s bankruptcy law change.
The end of the line for households that cannot pay: people newly marked with a bankruptcy or a foreclosure on their credit reports.
What this chart reads
- Consumers With a New Bankruptcy (NY Fed, Thousands)as “New bankruptcies”latest 2026-06-30
- Consumers With a New Foreclosure (NY Fed, Thousands)as “New foreclosures”latest 2026-06-30
Sources
Consumers With a New Bankruptcy (NY Fed, Thousands). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, data workbook (Page 17, Number of Consumers with New Foreclosures and Bankruptcies, column "bankruptcy"), built on the New York Fed Consumer Credit Panel / Equifax. Used under the New York Fed's terms (business use with attribution). Source: New York Fed Consumer Credit Panel/Equifax. Refreshed, which re-reads the full history from the newest workbook.
Consumers With a New Foreclosure (NY Fed, Thousands). Source: Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, data workbook (Page 17). 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.