Consumer Credit - 7di Public Dashboard

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Economic Calendar (This Week)

5 events

Federal Funds Rate

Jul 29est 3.75%prev 3.75%

FOMC Statement

Jul 29est prev

FOMC Press Conference

Jul 29est prev

Advance GDP q/q

Jul 30est 2.1%prev 2.0%

Core PCE Price Index m/m

Jul 30est 0.2%prev 0.3%

Credit Stress Alert

HY spreads pending, unemployment error, delinquency 2.92% but declining trend

05:26 AM · 1d·Alert

HY Credit Spread

281

05:27 AM · 1d·Live Lookup

Credit Market Digest

Lender Health: StableMajor banks trading flat to slightly up—JPMorgan 357.31, BofA 62.62, Wells Fargo 86.87. HY credit spreads pending data, limiting stress visibility.

Consumer Debt: RisingTotal consumer debt reached $18.8 trillion, continuing upward trend despite modest savings rate of 3.0% and confidence at 90.8.

Delinquencies: DecliningCredit card delinquencies at 2.92% and trending down—positive signal that borrowers remain current despite debt load growth.

Fed Stance: Holding PatternFed Funds rate remains 3.50%-3.75%, unchanged from prior period. FOMC meets Jul 29 with no rate change expected (3.75% forecast). 10Y Treasury at 4.60% suggests stable long-term rates.

Labor & Savings: Soft SignalsUnemployment data missing (error), creating blind spot. Low 3.0% savings rate indicates limited household buffers against income shocks.

Risk SummaryConsumer debt climbing while savings weak is structurally concerning. Bank stock stability masks deteriorating delinquency data visibility (auto loan missing). If unemployment ticks up or confidence drops, credit availability could tighten quickly. Monitor FOMC statement today for forward guidance.

05:27 AM · 1d·Digest

Unemployment Rate

4.2%

05:29 AM · 1d·Live Lookup

Consumer Price Index (YoY)

3.5%

05:29 AM · 1d·Live Lookup

Affirm Holdings (BNPL)

$72.40

08:31 AM · 1h·AFRM

Cashcow (Micro-Loans)

$53.81

08:31 AM · 1h·CBRL

Upstart Holdings (AI Lending)

$27.82

08:31 AM · 1h·UPST

Klodo (Installment Lending)

$0.0001

08:31 AM · 1h·KLDO

BNPL Default Rates

1.83%

05:33 AM · 1d·Live Lookup

Debt Securitization & Secondary Market

No value found

05:33 AM · 1d·Live Lookup

10Y Treasury Yield (Base Rate)

4.60% (Jul 28)

05:26 AM · 1d·10Y Treasury

Consumer Delinquency Rates

Credit card: 2.92%, Auto loan: No value found

05:26 AM · 1d·Live Lookup

Total Consumer Debt

$18.8 trillion

05:27 AM · 1d·Live Lookup

Savings Rate & Confidence

3.0%, 90.8

05:26 AM · 1d·Live Lookup

Fed Funds Rate

3.50%-3.75%

05:26 AM · 1d·Live Lookup

Micro-Lending Industry Digest

Micro-Lending & Debt Collection Industry Health

Core Metrics:Credit card delinquency remains stable at 2.92% with declining trend—a positive signal for near-term credit quality. Auto loan data unavailable, limiting broader delinquency visibility. Total consumer debt sits at $18.8 trillion, unchanged week-over-week.

Market Positioning:Affirm Holdings (BNPL) trades flat at 72.40. Data gaps on Upstart Holdings, Klodo, Cashcow, and Ares Management due to pending/unavailable feeds prevent full stress assessment. BNPL default rates remain unpublished, creating opacity on short-term lending health.

Regulatory & Macro Headwinds:Fed holds rates at 3.50%-3.75% ahead of today's FOMC decision. 10Y Treasury at 4.60% maintains funding cost pressure. Unemployment stable at 4.2%; CPI at 3.5% suggests no immediate consumer distress wave.

Red Flags:Debt securitization data missing—critical metric for resale activity and secondary market health. Regulatory action tracking offline. Micro-lending news feed inactive.

Assessment: Limited visibility due to data gaps, but delinquency decline and stable unemployment suggest near-term stress is contained. Complete picture requires updated default, profitability, and securitization data.

05:31 AM · 1d·Digest

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Regulatory & Legal Actions

No value found

05:33 AM · 1d·Live Lookup

Ares Management (Debt Buyer/Collector)

$644bn

05:34 AM · 1d·Live Lookup