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The Governance & Culture Reform hub is designed to foster discussion about corporate governance and the reform of culture and behavior in the financial services industry.
Need to file a report with the New York Fed? Here are all of the forms, instructions and other information related to regulatory and statistical reporting in one spot.
The New York Fed works to protect consumers as well as provides information and resources on how to avoid and report specific scams.
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The New York Fed provides a wide range of payment services for financial institutions and the U.S. government.
The New York Fed offers the Central Banking Seminar and several specialized courses for central bankers and financial supervisors.
The New York Fed has been working with tri-party repo market participants to make changes to improve the resiliency of the market to financial stress.
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We are connecting emerging solutions with funding in three areas—health, household financial stability, and climate—to improve life for underserved communities. Learn more by reading our strategy.
The Economic Inequality & Equitable Growth hub is a collection of research, analysis and convenings to help better understand economic inequality.
The Governance & Culture Reform hub is designed to foster discussion about corporate governance and the reform of culture and behavior in the financial services industry.
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Balance
Utilization Rate
Above 620
Delinquent
Values should not be aggregated across debt or age categories. The median balance of all non-housing debt is not equal to the sum of the median balances of credit cards, auto loans, student loans, and other loans.
The FRBNY Consumer Credit Panel consists of detailed Equifax credit-report data for a unique longitudinal quarterly panel of individuals and households from 1999 to 2012. The panel is a nationally representative sample of all individuals with a social security number and an Equifax credit report. The analysis represents a 5% random sample of these individuals as of March 2013. For more information on the FRBNY/Equifax Consumer Credit Panel, see link. Population data are from the U.S. Census Bureau’s American Community Survey, 2011 one year estimates.
The median balance is calculated for borrowers with balances greater than $0 (About 12 percent of credit card borrowers in NY, NJ, and CT had a zero credit card balance as of March 2013). The median credit utilization rate is calculated for borrowers with a balance greater than $0 and a credit utilization rate of less than 100 percent (calculated as the borrower’s total balance divided by total limit, for all credit cards held by the borrower). Because borrower balance and borrower utilization rate have two distinct distributions, median balance and median credit utilization cannot be interpreted jointly. Credit score is the Equifax Risk Score 3.0.
New York
New Jersey
Connecticut
