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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 4
Selected components of the financial obligations ratio (FOR), 1989-2005
Percent
Year and quarter Mortgage
FOR
Consumer nonrevolving credit FOR Consumer revolving credit
FOR
1989:1 6.03 4.24 1.45
1989:2 6.15 4.28 1.49
1989:3 6.24 4.25 1.51
1989:4 6.30 4.19 1.55
1990:1 6.32 4.10 1.55
1990:2 6.37 4.01 1.59
1990:3 6.40 3.93 1.63
1990:4 6.47 3.87 1.65
1991:1 6.50 3.77 1.69
1991:2 6.46 3.64 1.70
1991:3 6.45 3.52 1.73
1991:4 6.37 3.41 1.74
1992:1 6.26 3.30 1.72
1992:2 6.19 3.21 1.72
1992:3 6.11 3.14 1.72
1992:4 6.01 3.06 1.72
1993:1 6.12 3.10 1.78
1993:2 5.99 3.05 1.77
1993:3 5.99 3.06 1.82
1993:4 5.87 3.05 1.85
1994:1 5.90 3.13 1.92
1994:2 5.83 3.15 1.96
1994:3 5.83 3.18 2.02
1994:4 5.86 3.21 2.07
1995:1 5.95 3.25 2.16
1995:2 6.02 3.31 2.27
1995:3 6.03 3.35 2.37
1995:4 6.00 3.41 2.43
1996:1 5.93 3.45 2.48
1996:2 5.92 3.49 2.52
1996:3 5.93 3.54 2.54
1996:4 5.93 3.55 2.59
1997:1 5.94 3.52 2.60
1997:2 5.97 3.53 2.61
1997:3 5.96 3.53 2.63
1997:4 5.93 3.53 2.63
1998:1 5.85 3.55 2.58
1998:2 5.82 3.56 2.63
1998:3 5.79 3.59 2.62
1998:4 5.77 3.62 2.65
1999:1 5.79 3.67 2.65
1999:2 5.84 3.74 2.67
1999:3 5.89 3.79 2.68
1999:4 5.91 3.79 2.65
2000:1 5.87 3.76 2.63
2000:2 5.96 3.82 2.67
2000:3 5.99 3.86 2.71
2000:4 6.07 3.93 2.77
2001:1 6.08 3.98 2.81
2001:2 6.15 4.03 2.84
2001:3 6.06 3.98 2.78
2001:4 6.20 4.16 2.84
2002:1 6.11 4.16 2.77
2002:2 6.16 4.15 2.78
2002:3 6.28 4.14 2.81
2002:4 6.36 4.13 2.79
2003:1 6.40 4.07 2.78
2003:2 6.42 4.03 2.77
2003:3 6.40 3.97 2.73
2003:4 6.50 3.96 2.71
2004:1 6.53 3.89 2.69
2004:2 6.61 3.85 2.66
2004:3 6.77 3.84 2.69
2004:4 6.80 3.75 2.62
2005:1 7.04 3.79 2.63
2005:2 7.20 3.79 2.64
2005:3 7.43 3.80 2.67
2005:4 7.54 3.71 2.60

Note: The data are quarterly. For a description of the financial obligations ratio, see note to figure 3. For a description of nonrevolving credit, see note to figure 1.

Source: Federal Reserve Board.

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