Fall 2026 Survey Business Consumer

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FR 2248
OMB Number 7100-0005
Approval expires May 31, 2027

Finance Company Survey
Fall 2026
Public reporting burden for this collection of information is estimated to average 8 minutes per response,
including the time to gather and maintain data in the required form and to review instructions and
complete the information collection. Send comments regarding this burden estimate or any other aspect
of this collection of information, including suggestions for reducing this burden to: Secretary, Board of
Governors of the Federal Reserve System, Washington, DC 20551; and to the Office of Management
and Budget, Paperwork Reduction Project (7100–0005), Washington, DC 20503. The Federal Reserve
may not conduct or sponsor, and an organization (or a person) is not required to respond to a collection
of information unless it displays a currently valid OMB control number.

I

Business Loans and Leases

These questions ask about loans and leases your company extends to businesses.
1. Over the past three months, how have your company’s lending standards changed for approving applications for business loans and leases?
A.

Tightened considerably

B.

Tightened somewhat

C.

Remained about the same

D.

Eased somewhat

E.

Eased considerably

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2. How does your company expect its lending standards for such loans and leases to change over
the next six months compared with its current standards?
A.

Tighten considerably

B.

Tighten somewhat

C.

Remain about the same

D.

Ease somewhat

E.

Ease considerably

3. Apart from normal seasonal variation, how has demand from businesses for such loans and leases
changed over the past three months?
A.

Substantially stronger

B.

Moderately stronger

C.

Remained about the same

D.

Moderately weaker

E.

Substantially weaker

4. Apart from normal seasonal variation, how does your company expect demand for such loans and
leases from your company to change over the next six months compared with its current level?
A.

Strengthen substantially

B.

Strengthen moderately

C.

Remain about the same

D.

Weaken moderately

E.

Weaken substantially

5. How does your company expect the credit performance of its loans and leases, as measured by
your company’s outlook for delinquencies and charge-offs on these loans and leases, to change over
the next six months?
A.

Strengthen substantially

B.

Strengthen moderately

C.

Remain about the same

D.

Weaken moderately

E.

Weaken substantially

2

II

Consumer Loans

These questions ask about loans your company extends to consumers.
1. Over the past three months, how have your company’s lending standards changed for approving applications for consumer loans?
A.

Tightened considerably

B.

Tightened somewhat

C.

Remained about the same

D.

Eased somewhat

E.

Eased considerably

2. How does your company expect its lending standards for such loans to change over the next
six months compared with its current standards?
A.

Tighten considerably

B.

Tighten somewhat

C.

Remain about the same

D.

Ease somewhat

E.

Ease considerably

3. Apart from normal seasonal variation, how has demand from consumers for such loans changed
over the past three months?
A.

Substantially stronger

B.

Moderately stronger

C.

Remained about the same

D.

Moderately weaker

E.

Substantially weaker

3

4. Apart from normal seasonal variation, how does your company expect demand for such loans from
your company to change over the next six months compared with its current level?
A.

Strengthen substantially

B.

Strengthen moderately

C.

Remain about the same

D.

Weaken moderately

E.

Weaken substantially

5. How does your company expect the credit performance of its loans to consumers, as measured
by your company’s outlook for delinquencies and charge-offs on these loans, to change over the next
six months?

III

A.

Strengthen substantially

B.

Strengthen moderately

C.

Remain about the same

D.

Weaken moderately

E.

Weaken substantially

Economic Conditions

How do you expect economic conditions to become over the next six months?
A.

Significantly stronger

B.

Somewhat stronger

C.

About the same

D.

Somewhat weaker

E.

Significantly weaker

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IV

Other Factors

If your company plans to tighten or ease lending standards over the next six months, how important are the following possible reasons for the change?
A. Possible reasons for tightening lending standards:
a. Less favorable or more uncertain economic outlook
b. Deterioration in, or desire to improve, your company’s capital position
c. Deterioration in, or desire to improve, your company’s liquidity position
d. Less aggressive competition from other bank or nonbank lenders
e. Reduced tolerance for risk
f. Increased difficulty of selling loans in the secondary market
g. Deterioration in credit quality of consumer loans
h. Deterioration in credit quality of loans other than consumer loans
i. Increased concerns about your company’s funding costs
j. Other (please specify)

B. Possible reasons for easing lending standards:
a. More favorable or less uncertain economic outlook
b. Improvement in your company’s capital position
c. Improvement in your company’s liquidity position
d. More aggressive competition from other bank or nonbank lenders
e. Increased tolerance for risk
f. Increased ease of selling loans in the secondary market
g. Improvement in credit quality of consumer loans
h. Improvement in credit quality of loans other than consumer loans
i. Reduced concerns about your company’s funding costs
j. Other (please specify)

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