Board of Governors of the Federal Reserve System

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• FRB: November 2008 Statistical Supplement--Terms of Consumer Credit

  Credit card plan 3 All accounts 12.51 13.21 13.38 n.a. n.a. 11.87 n.a....credit covers most short- and intermediate-term credit extended to individuals

  URL: https://www.federalreserve.gov/pubs/supplement/2008/11/table1_56.htm
  



• FRB: November 2006 Statistical Supplement--Terms of Consumer Credit

  Credit card plan 3 All accounts 12.30 12.71 12.51 n.a. 13.30 n.a. n.a....credit covers most short- and intermediate-term credit extended to individuals

  URL: https://www.federalreserve.gov/pubs/supplement/2006/11/table1_56.htm
  



• APPENDIX H—Model Forms for Risk-Based Pricing and Credit Score Disclosure Exception Notices

  Credit Unions SECTION 524—Small Business Investment Companies SECTION

  URL: https://www.federalreserve.gov/frrs/regulations/appendix-h-model-forms-for-risk-based-pricing-and-credit-score-disclosure-exception-notices-reg-v.htm
  



• SECTION 226.34—Prohibited Acts or Practices in Connection with Credit Subject to Section 226.32

  Credit Unions SECTION 524—Small Business Investment Companies SECTION

  URL: https://www.federalreserve.gov/frrs/regulations/section-22634-prohibited-acts-or-practices-in-connection-with-credit-subject-to-section-22632.htm
  



• APPENDIX H—Model Forms for Risk-Based Pricing and Credit Score Disclosure Exception Notices

  Credit Unions SECTION 524—Small Business Investment Companies SECTION

  URL: https://www.federalreserve.gov/frrs/regulations/appendix-h-model-forms-for-risk-based-pricing-and-credit-score-disclosure-exception-notices.htm
  



• CDIAC Record of Meeting - April 10, 2025

  credit. Overall, inflation and uncertainty continue to impact the economic...credit availability for, and demand for credit from, small businesses

  URL: https://www.federalreserve.gov/aboutthefed/files/CDIAC-meeting-20250410.pdf
  



• Consumer Credit Reporting Practices; Interagency Advisory Letter

  customer-credit information to consumer reporting agencies (credit bureaus...credit card issuers are no longer reporting customer credit lines or high

  URL: https://www.federalreserve.gov/frrs/guidance/consumer-credit-reporting-practices-interagency-advisory-letter.htm
  



• The Fed - Do Marketplace Lending Platforms Offer Lower Rates to Consumers?

  credit risk in credit card markets, because the average credit card rate...credit history and credit scores. For credit card interest rates, I use

  URL: https://www.federalreserve.gov/econres/notes/feds-notes/do-marketplace-lending-platforms-offer-lower-rates-to-consumers-20181022.html
  



• SECTION 217.134—Guarantees and Credit Derivatives: PD Substitution and LGD Adjustment Approaches

  Credit Unions SECTION 524—Small Business Investment Companies SECTION

  URL: https://www.federalreserve.gov/frrs/regulations/section-217134-guarantees-and-credit-derivatives-pd-substitution-and-lgd-adjustment-approaches.htm
  



• The Fed - Foreclosure's Wake: The Credit Experiences of Individuals Following Foreclosure

  credit (such as auto and credit card loans) in the years that follow foreclosure...credit scores, mortgages, consumer credit PDF: Full Paper Disclaimer:

  URL: https://www.federalreserve.gov/econres/feds/foreclosure39s-wake-the-credit-experiences-of-individuals-following-foreclosure.htm
  

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