Board of Governors of the Federal Reserve System

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• The Fed - January 2020 Senior Loan Officer Opinion Survey on Bank Lending Practices

  credit card and auto loans, while demand remained unchanged for credit...credit score thresholds for credit card loans. Meanwhile, banks reported

  URL: https://www.federalreserve.gov/data/sloos/sloos-202001.htm
  



• Federal Advisory Council - Record of Meeting - November 20, 2025

  credit or business development companies, developing over time? What are

  URL: https://www.federalreserve.gov/aboutthefed/files/fac-20251120.pdf
  



• Board Interpretations of Regulation T

  Credit Unions SECTION 524—Small Business Investment Companies SECTION

  URL: https://www.federalreserve.gov/frrs/regulations/board-interpretations-of-regulation-t.htm
  



• The Fed - Pay-by-Bank and the Merchant Payments Use Case: Benefits, risks and potential impacts on consumer payment behaviors in the U.S.

  credit card payments—both by number and value.7,8 In addition, ownership...card transaction volumes referenced above. The shift towards digital payments

  URL: https://www.federalreserve.gov/econres/notes/feds-notes/pay-by-bank-and-the-merchant-payments-use-case-benefits-20250707.html
  



• The Fed - Dodd-Frank Act Stress Test 2020: Supervisory Stress Test Methodology March - 2020 Appendix A

  Credit Card Model The Federal Reserve refined the credit card model by...card losses for firms with credit card revenue and loss sharing agreements

  URL: https://www.federalreserve.gov/publications/2020-march-dodd-frank-act-supervisory-stress-test-methodology-appendix-a-model-changes-for-dfast-2020.htm
  



• FRB: May 2005 Statistical Supplement--Terms of Consumer Credit

  Credit card plan 3 All accounts 13.40 12.30 12.71 n.a. 13.01 n.a. n.a....credit covers most short- and intermediate-term credit extended to individuals

  URL: https://www.federalreserve.gov/pubs/supplement/2005/05/table1_56.htm
  



• APPENDIX B—Text of Proposed Insurance Supervisory Framework

  Credit Unions SECTION 524—Small Business Investment Companies SECTION

  URL: https://www.federalreserve.gov/frrs/regulations/appendix-b-text-of-proposed-insurance-supervisory-framework.htm
  



• Creating More Effective Consumer Disclosures - Federal Reserve Board

  credit card issuers. In a nutshell, effective disclosure empowers consumers...Credit Card Costs In our effort to create more effective credit card disclosures

  URL: https://www.federalreserve.gov/newsevents/speech/kroszner20070523a.htm
  



• Commentary on Regulation J

  Credit Unions SECTION 524—Small Business Investment Companies SECTION

  URL: https://www.federalreserve.gov/frrs/regulations/commentary-on-regulation-j.htm
  



• FRB: Speech, Greenspan--Understanding household debt obligations--February 23, 2004

  credit card debt. The financial obligation associated with credit card...credit card debt. One possible reason for the secular increase in credit

  URL: https://www.federalreserve.gov/boarddocs/speeches/2004/20040223/default.htm
  

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