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 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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