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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 7
Change in the number of bankruptcy filings and change in the unemployment rate, 1981-2005

Year and quarter Unemployment (percentage points) Bankruptcy filings (percent)
1981:1 1.1 25.87
1981:2 0.1 6.13
1981:3 -0.3 1.17
1981:4 0.8 -1.87
1982:1 1.4 -5.37
1982:2 2.0 -3.58
1982:3 2.5 -2.92
1982:4 2.5 -0.51
1983:1 1.6 -4.54
1983:2 0.7 -5.33
1983:3 -0.5 -11.87
1983:4 -2.2 -12.71
1984:1 -2.5 -2.06
1984:2 -2.6 -6.05
1984:3 -2.0 0.89
1984:4 -1.2 -0.44
1985:1 -0.6 0.06
1985:2 -0.2 15.13
1985:3 -0.2 21.20
1985:4 -0.3 36.36
1986:1 -0.3 39.10
1986:2 -0.1 33.42
1986:3 -0.2 29.88
1986:4 -0.2 18.30
1987:1 -0.4 13.07
1987:2 -0.9 5.64
1987:3 -1.0 5.33
1987:4 -0.9 8.39
1988:1 -0.9 11.30
1988:2 -0.8 11.05
1988:3 -0.5 10.08
1988:4 -0.6 7.36
1989:1 -0.5 6.30
1989:2 -0.3 12.18
1989:3 -0.2 8.15
1989:4 0.1 13.74
1990:1 0.1 13.39
1990:2 0.1 12.52
1990:3 0.4 15.11
1990:4 0.7 19.45
1991:1 1.3 26.87
1991:2 1.5 25.63
1991:3 1.2 19.67
1991:4 1.0 10.87
1992:1 0.8 8.66
1992:2 0.8 0.86
1992:3 0.7 1.37
1992:4 0.3 -3.71
1993:1 -0.2 -12.95
1993:2 -0.5 -9.46
1993:3 -0.8 -9.81
1993:4 -0.8 -9.90
1994:1 -0.6 -7.29
1994:2 -0.9 -5.58
1994:3 -0.8 -3.21
1994:4 -1.0 2.85
1995:1 -1.1 -2.55
1995:2 -0.5 8.19
1995:3 -0.3 11.31
1995:4 0.0 13.88
1996:1 0.0 31.13
1996:2 -0.2 25.88
1996:3 -0.4 30.05
1996:4 -0.3 27.95
1997:1 -0.3 26.05
1997:2 -0.5 23.47
1997:3 -0.4 15.82
1997:4 -0.6 10.79
1998:1 -0.6 4.88
1998:2 -0.6 1.01
1998:3 -0.4 1.68
1998:4 -0.3 0.94
1999:1 -0.3 -7.23
1999:2 -0.1 -8.56
1999:3 -0.3 -11.55
1999:4 -0.3 -10.96
2000:1 -0.3 -6.93
2000:2 -0.4 -7.72
2000:3 -0.2 -5.35
2000:4 -0.2 -3.31
2001:1 0.2 16.07
2001:2 0.5 22.26
2001:3 0.8 13.92
2001:4 1.6 13.36
2002:1 1.5 0.77
2002:2 1.4 -2.00
2002:3 0.9 9.71
2002:4 0.4 8.00
2003:1 0.2 8.15
2003:2 0.3 8.68
2003:3 0.4 1.60
2003:4 -0.1 -1.93
2004:1 -0.2 -3.24
2004:2 -0.5 -5.36
2004:3 -0.6 -4.77
2004:4 -0.4 -5.54
2005:1 -0.5 -1.08
2005:2 -0.5 10.91
2005:3 -0.5 36.62
2005:4 -0.4 78.26

Note: The data are quarterly four-quarter changes.

Source: Administrative Office of the U.S. Courts, Census Bureau, Bureau of Labor Statistics, and Federal Reserve Board staff estimates.

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