Upstream Pressure

Senior Loan Officer Survey: Banks Tightening Standards

Federal Reserve SLOOS data

What is the current Senior Loan Officer Survey: Banks Tightening Standards?

SENIOR LOAN OFFICER SURVEY: BANKS TIGHTENING
0% ↓ Improving
Banks have stopped tightening — the credit squeeze is pausin
One year ago
9.4% ↓ Improving
down 9.4 points since Q1 2025

Senior Loan Officer Survey: Banks Tightening Standards: 0% as of 2026-Q1, and improving. Source: Federal Reserve SLOOS via FRED.

Banks have stopped tightening — the credit squeeze is pausing

Federal Reserve SLOOS data. The net share tightening has dropped to 0% after peaking at 72% during COVID. Loosening standards typically precede the next credit expansion — and the next wave of risk.

Source: Federal Reserve SLOOS via FRED · Latest: 2026-Q1
Related signals confirming this trend
Motor Vehicle Insurance CPI
6.94%↑Worsening
Car insurance keeps climbing even as everything else cools down
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3.62 pts↑Worsening
Auto coverage costs are finally cooling after two years of surges
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The Warning Light
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A downturn signal that preceded every modern contraction keeps flashing
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Explore Further

📊 Consumer Debt Statistics 2026 → 📖 What Is Underwriting? → 📖 What Is Interest Rate? →

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How has Senior Loan Officer Survey: Banks Tightening Standards changed over time?

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Senior Loan Officer Survey: Banks Tightening Standards over time
Senior Loan Officer Survey: Banks Tightening Standards, percent
Senior Loan Officer Survey: Banks Tightening Standards
Data: Federal Reserve SLOOS via FRED Updated Apr 2026

Most affected counties

Counties with the highest housing cost burden scores in the County Distress Index.

1 Miami-Dade County FL 98 2 Passaic County NJ 97.8 3 Los Angeles County CA 97.6 4 Butte County CA 97.4 5 Humboldt County CA 97.2 6 San Diego County CA 97.2 7 Bronx County NY 97.1 8 Brazos County TX 97.1 9 Santa Barbara County CA 97 10 Whitman County WA 97
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Historical data
Quarterly · Federal Reserve SLOOS via FRED
Period Value YoY Change
Q1 2026 0% −9.4 pts
Q4 2025 4.2% −14.2 pts
Q3 2025 10.4% −9.6 pts
Q2 2025 5.6% −15.6 pts
Q1 2025 9.4% −13.5 pts
Q4 2024 18.4% −10.5 pts
Q3 2024 20% −16.4 pts
Q2 2024 21.2% −9.2 pts
Q1 2024 22.9% −5.4 pts
Q4 2023 28.9% +10.1 pts
Q3 2023 36.4% +36.4 pts
Q2 2023 30.4% +40.8 pts

Frequently Asked Questions

What is Senior Loan Officer Survey: Banks Tightening Standards?

Federal Reserve SLOOS data

Why does Senior Loan Officer Survey: Banks Tightening Standards matter for financial distress?

Senior Loan Officer Survey: Banks Tightening Standards is one of the indicators tracked by the American Distress Index (ADI), which measures five dimensions of U.S. household financial distress: Buffer Depletion, Debt Stress, Financial Conditions, Cost Pressure, and Labor Market disruption. Changes in this indicator contribute to the overall distress picture.

Where does the Senior Loan Officer Survey: Banks Tightening Standards data come from?

This data comes from Federal Reserve SLOOS via FRED. More information: https://fred.stlouisfed.org/series/DRTSCLCC. The American Distress Index updates this indicator quarterly.

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Why does Senior Loan Officer Survey: Banks Tightening Standards matter?

Senior Loan Officer Survey: Banks Tightening Standards is one of 91 indicators in the American Distress Index's upstream pressure layer — the signal that predicted the 2008 crisis two years before delinquency data confirmed it.
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