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Report to the Congress on Practices of the Consumer
Credit Industry in Soliciting and Extending Credit
and their Effects on Consumer Debt and Insolvency


Submitted to the Congress pursuant to section 1229 of
the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005

June 2006

printable Printable version (194 KB PDF)


Data table for figure 1
Mortgage credit and consumer credit relative to disposable personal income, 1965-2005
Percent
Year Mortgage Total consumer Revolving consumer Nonrevolving consumer
1965 43.88 19.57 0.00 19.57
1966 43.14 19.24 0.00 19.24
1967 42.61 18.87 0.00 18.87
1968 41.96 19.09 0.34 18.75
1969 41.29 19.17 0.55 18.62
1970 38.97 18.17 0.70 17.47
1971 38.73 18.61 1.06 17.55
1972 39.75 19.42 1.12 18.30
1973 39.37 19.73 1.20 18.53
1974 39.38 18.84 1.28 17.57
1975 38.82 17.43 1.26 16.17
1976 39.82 17.58 1.32 16.26
1977 42.11 18.45 2.74 15.72
1978 44.17 19.36 3.00 16.35
1979 46.14 19.77 3.17 16.60
1980 46.17 17.82 2.91 14.91
1981 44.48 16.82 2.89 13.94
1982 42.62 16.39 2.91 13.48
1983 42.85 17.06 3.21 13.84
1984 42.72 18.08 3.65 14.43
1985 46.45 19.64 4.23 15.41
1986 49.99 20.28 4.53 15.75
1987 52.66 20.20 4.91 15.30
1988 54.58 19.88 5.19 14.69
1989 56.43 20.12 5.53 14.60
1990 58.33 19.24 5.85 13.38
1991 59.98 18.27 6.21 12.06
1992 59.97 17.36 6.15 11.21
1993 61.20 18.04 6.62 11.42
1994 61.57 19.82 7.44 12.38
1995 61.50 21.60 8.59 13.02
1996 62.10 22.37 9.19 13.17
1997 62.61 22.40 9.22 13.18
1998 63.22 22.48 9.27 13.20
1999 65.88 23.16 9.29 13.88
2000 66.31 24.04 9.66 14.38
2001 69.74 24.87 9.80 15.07
2002 74.64 24.89 9.63 15.26
2003 81.77 24.94 9.49 15.46
2004 87.64 24.54 9.29 15.25
2005 95.80 24.17 9.13 15.04

Note: The data are annual. Nonrevolving consumer credit includes loans for motor vehicles, household goods, and education.

Source: Federal Reserve Board.

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