Board of Governors of the Federal Reserve System

Consumer Spending Retailers generally report that holiday-season sales...consumers has improved, but that the dealers themselves continue to face

consumer is incredibly price-sensitive." Looking ahead, most of the retailers...consumer and business loans. "Business loan demand is incredibly weak,

Consumers are definitely responding to low prices," one contact said. ...consumer and business loans. Commercial bank officers generally indicated

Consumer Spending Overall consumer spending remained relatively soft in...consumer incentives. Overall retail inventories were reported to be in

consumers spent more over the past six weeks, and value retailers saw ...consumers remain very price conscious. As in the previous report, Texas

consumer spending appeared to soften somewhat during the period. Business...Consumer spending Contact reports were mixed but, on balance, suggested

consumer lending had slowed, but commercial lending was still quite strong...consumer loans continues to soften, which contacts attribute to weak demand

consumer and home mortgage loans but a pickup on the commercial side; ...Consumer Spending Retailers generally indicate that sales were on or ahead

Consumer Spending Although there were wide variations among the major ...consumers seemed to be less interested in this year's summer fashions.

Consumer spending and business outlays and hiring all rose at rates similar...Consumer Spending Consumer spending continued to increase at a gradual