{
  "meta": {
    "slug": "senior-loan-officer-survey-banks-tightening-standards",
    "name": "Senior Loan Officer Survey: Banks Tightening Standards",
    "branded_name": null,
    "description": null,
    "source": "Board of Governors of the Federal Reserve System Senior Loan Officer Opinion Survey data retrieved via FRED",
    "source_credit": null,
    "source_url": "https://fred.stlouisfed.org/series/DRTSCLCC",
    "frequency": "quarterly",
    "units": "percent",
    "fred_series_id": "DRTSCLCC",
    "fred_edge_series_id": null,
    "bls_series_id": null,
    "series_id": null,
    "measurement_basis": null,
    "door": 0,
    "trend": "stable",
    "trend_suppressed": null,
    "series_breaks": [],
    "direction": "higher_is_worse",
    "last_updated": "2026-11-02T00:00:00Z",
    "stale": false,
    "stale_reason": null,
    "data_status": "current",
    "page_url": "https://americandefault.org/indicators/senior-loan-officer-survey-banks-tightening-standards/",
    "attribution": "American Default (americandefault.org) — Our analysis is free to use with attribution to American Default Research. Source data stays under each publisher's terms; cite the source named here."
  },
  "current": {
    "value": 4,
    "date": "2026-10-01"
  },
  "last_verified": null,
  "data": [
    {
      "date": "1996-01-01",
      "value": 25
    },
    {
      "date": "1996-04-01",
      "value": 23.4
    },
    {
      "date": "1996-07-01",
      "value": 48.9
    },
    {
      "date": "1996-10-01",
      "value": 48.9
    },
    {
      "date": "1997-01-01",
      "value": 37
    },
    {
      "date": "1997-04-01",
      "value": 45.8
    },
    {
      "date": "1997-07-01",
      "value": 23.3
    },
    {
      "date": "1997-10-01",
      "value": 25
    },
    {
      "date": "1998-01-01",
      "value": 22.2
    },
    {
      "date": "1998-04-01",
      "value": 16.3
    },
    {
      "date": "1998-07-01",
      "value": 20
    },
    {
      "date": "1998-10-01",
      "value": 15.9
    },
    {
      "date": "1999-01-01",
      "value": 7.3
    },
    {
      "date": "1999-04-01",
      "value": 13.3
    },
    {
      "date": "1999-07-01",
      "value": 4.8
    },
    {
      "date": "1999-10-01",
      "value": 4.9
    },
    {
      "date": "2000-01-01",
      "value": 4.8
    },
    {
      "date": "2000-04-01",
      "value": 2.6
    },
    {
      "date": "2000-07-01",
      "value": -2.6
    },
    {
      "date": "2000-10-01",
      "value": 8.3
    },
    {
      "date": "2001-01-01",
      "value": 11.8
    },
    {
      "date": "2001-04-01",
      "value": 20
    },
    {
      "date": "2001-07-01",
      "value": 11.4
    },
    {
      "date": "2001-10-01",
      "value": 20
    },
    {
      "date": "2002-01-01",
      "value": 18.2
    },
    {
      "date": "2002-04-01",
      "value": 8.6
    },
    {
      "date": "2002-07-01",
      "value": 14.7
    },
    {
      "date": "2002-10-01",
      "value": 15.2
    },
    {
      "date": "2003-01-01",
      "value": 16.2
    },
    {
      "date": "2003-04-01",
      "value": 9.7
    },
    {
      "date": "2003-07-01",
      "value": 0
    },
    {
      "date": "2003-10-01",
      "value": 2.9
    },
    {
      "date": "2004-01-01",
      "value": 6.3
    },
    {
      "date": "2004-04-01",
      "value": 3.2
    },
    {
      "date": "2004-07-01",
      "value": 0
    },
    {
      "date": "2004-10-01",
      "value": -2.9
    },
    {
      "date": "2005-01-01",
      "value": -2.9
    },
    {
      "date": "2005-04-01",
      "value": -8.3
    },
    {
      "date": "2005-07-01",
      "value": -6.5
    },
    {
      "date": "2005-10-01",
      "value": -3
    },
    {
      "date": "2006-01-01",
      "value": 3.1
    },
    {
      "date": "2006-04-01",
      "value": -2.6
    },
    {
      "date": "2006-07-01",
      "value": -3
    },
    {
      "date": "2006-10-01",
      "value": -2.9
    },
    {
      "date": "2007-01-01",
      "value": 0
    },
    {
      "date": "2007-04-01",
      "value": -11.1
    },
    {
      "date": "2007-07-01",
      "value": -3.1
    },
    {
      "date": "2007-10-01",
      "value": 3.2
    },
    {
      "date": "2008-01-01",
      "value": 9.8
    },
    {
      "date": "2008-04-01",
      "value": 32.4
    },
    {
      "date": "2008-07-01",
      "value": 66.7
    },
    {
      "date": "2008-10-01",
      "value": 58.8
    },
    {
      "date": "2009-01-01",
      "value": 58.8
    },
    {
      "date": "2009-04-01",
      "value": 58.1
    },
    {
      "date": "2009-07-01",
      "value": 35.3
    },
    {
      "date": "2009-10-01",
      "value": 15.8
    },
    {
      "date": "2010-01-01",
      "value": 2.8
    },
    {
      "date": "2010-04-01",
      "value": 9.1
    },
    {
      "date": "2010-07-01",
      "value": -7.9
    },
    {
      "date": "2010-10-01",
      "value": -10
    },
    {
      "date": "2011-01-01",
      "value": -10
    },
    {
      "date": "2011-04-01",
      "value": -20.5
    },
    {
      "date": "2011-07-01",
      "value": -9.3
    },
    {
      "date": "2011-10-01",
      "value": -7.9
    },
    {
      "date": "2012-01-01",
      "value": -11.6
    },
    {
      "date": "2012-04-01",
      "value": -11.6
    },
    {
      "date": "2012-07-01",
      "value": -10.9
    },
    {
      "date": "2012-10-01",
      "value": -11.1
    },
    {
      "date": "2013-01-01",
      "value": -2
    },
    {
      "date": "2013-04-01",
      "value": -7.4
    },
    {
      "date": "2013-07-01",
      "value": -3.6
    },
    {
      "date": "2013-10-01",
      "value": -5.2
    },
    {
      "date": "2014-01-01",
      "value": -7
    },
    {
      "date": "2014-04-01",
      "value": -9.3
    },
    {
      "date": "2014-07-01",
      "value": -13
    },
    {
      "date": "2014-10-01",
      "value": -8.8
    },
    {
      "date": "2015-01-01",
      "value": -1.9
    },
    {
      "date": "2015-04-01",
      "value": -1.8
    },
    {
      "date": "2015-07-01",
      "value": -7.7
    },
    {
      "date": "2015-10-01",
      "value": -5.8
    },
    {
      "date": "2016-01-01",
      "value": -1.9
    },
    {
      "date": "2016-04-01",
      "value": -5.7
    },
    {
      "date": "2016-07-01",
      "value": -5.6
    },
    {
      "date": "2016-10-01",
      "value": 0
    },
    {
      "date": "2017-01-01",
      "value": 8.3
    },
    {
      "date": "2017-04-01",
      "value": -7.8
    },
    {
      "date": "2017-07-01",
      "value": 5.8
    },
    {
      "date": "2017-10-01",
      "value": 9.1
    },
    {
      "date": "2018-01-01",
      "value": 1.9
    },
    {
      "date": "2018-04-01",
      "value": 9.4
    },
    {
      "date": "2018-07-01",
      "value": 12
    },
    {
      "date": "2018-10-01",
      "value": -2.2
    },
    {
      "date": "2019-01-01",
      "value": 6.4
    },
    {
      "date": "2019-04-01",
      "value": 15.2
    },
    {
      "date": "2019-07-01",
      "value": 8.5
    },
    {
      "date": "2019-10-01",
      "value": 10.4
    },
    {
      "date": "2020-01-01",
      "value": 13.6
    },
    {
      "date": "2020-04-01",
      "value": 38.5
    },
    {
      "date": "2020-07-01",
      "value": 71.7
    },
    {
      "date": "2020-10-01",
      "value": 26.7
    },
    {
      "date": "2021-01-01",
      "value": -12.8
    },
    {
      "date": "2021-04-01",
      "value": -27.1
    },
    {
      "date": "2021-07-01",
      "value": -37.3
    },
    {
      "date": "2021-10-01",
      "value": -31.1
    },
    {
      "date": "2022-01-01",
      "value": -17
    },
    {
      "date": "2022-04-01",
      "value": -10.4
    },
    {
      "date": "2022-07-01",
      "value": 0
    },
    {
      "date": "2022-10-01",
      "value": 18.8
    },
    {
      "date": "2023-01-01",
      "value": 28.3
    },
    {
      "date": "2023-04-01",
      "value": 30.4
    },
    {
      "date": "2023-07-01",
      "value": 36.4
    },
    {
      "date": "2023-10-01",
      "value": 28.9
    },
    {
      "date": "2024-01-01",
      "value": 22.9
    },
    {
      "date": "2024-04-01",
      "value": 21.2
    },
    {
      "date": "2024-07-01",
      "value": 20
    },
    {
      "date": "2024-10-01",
      "value": 18.4
    },
    {
      "date": "2025-01-01",
      "value": 9.4
    },
    {
      "date": "2025-04-01",
      "value": 5.6
    },
    {
      "date": "2025-07-01",
      "value": 10.4
    },
    {
      "date": "2025-10-01",
      "value": 4.2
    },
    {
      "date": "2026-01-01",
      "value": 0
    },
    {
      "date": "2026-04-01",
      "value": 2
    },
    {
      "date": "2026-07-01",
      "value": 6.7
    },
    {
      "date": "2026-10-01",
      "value": 4
    }
  ]
}