John C. Driscoll, Jessica N. Flagg, Bradley Katcher, Kamila Sommer
{"title":"The Effects of Credit Score Migration on Subprime Auto Loan and Credit Card Delinquencies","authors":"John C. Driscoll, Jessica N. Flagg, Bradley Katcher, Kamila Sommer","doi":"10.17016/2380-7172.3419","DOIUrl":null,"url":null,"abstract":"In the early stages of the pandemic, income support and forbearance programs led consumer loan delinquency rates to fall to near-record lows for borrowers across the credit score distribution. Since the second half of 2021, however, delinquency rates have risen, and by 2023:Q3, overall rates for auto and credit card loans had risen above their pre-pandemic levels.","PeriodicalId":507965,"journal":{"name":"FEDS Notes","volume":"361 19","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2024-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"FEDS Notes","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.17016/2380-7172.3419","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
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Abstract
In the early stages of the pandemic, income support and forbearance programs led consumer loan delinquency rates to fall to near-record lows for borrowers across the credit score distribution. Since the second half of 2021, however, delinquency rates have risen, and by 2023:Q3, overall rates for auto and credit card loans had risen above their pre-pandemic levels.
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