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Moody’s Analytics subject matter experts Scott Hoyt and Deniz Tudor discuss the current and anticipated trends in household credit conditions based on data from Equifax and forecasts from Moody's Analytics.

Household debt sets a new record even with increasing macro risks due to tariff wars and resulting expectations of inflation. Auto balances continue to grow albeit at a slower rate due to worsening performance for this product. All other consumer loan balances are expected to grow at a stable or slightly slower rate due to some competing upside and downside risks such as a strong labor market but increasing interest rates. 

Our subject matter experts present recent developments and our outlook, including expected impact of tariff wars on consumer credit, and cover the profiles and geographies that contain the most risk and opportunity for lenders. 

Key topics include:

  • Effect of the economy on credit conditions
  • Shifting drivers of consumer spending
  • Analysis of individual lending lines

Speakers

Scott Hoyt, PhD, is a Senior Director with Moody’s Analytics responsible for the firm’s consumer forecasts and analysis. 

Deniz Tudor, PhD, is a Director with Moody’s Analytics specializing in U.S. consumer credit trends and the development of custom and industry-based econometric credit loss models. 


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