Report
Published June 23, 2025
Credit & Economic Trends Economic & Market Insights
While the US economy has so far avoided the worst-feared outcomes of higher tariffs, there remains significant uncertainty and concern over outlook, which is driving caution among lenders. In our just-released Q2 2025 Lending Conditions Chartbook, we break down the latest economic developments and do a deep dive into credit conditions across product segments, regions, and lender types. Key insights include:
- Unemployment remains low, but there are ongoing signs of softening in the labor market.
- Real incomes have improved somewhat after softening for most of 2024, which may continue to support consumer spending.
- The housing market continues to be constrained by high prices and interest rates, which are impacting affordability.
Click below to view the chartbook
View now
Report
Q2 2026 Lending Conditions Chartbook
Understand the economic and consumer trends shaping today's lending environment.
- U.S. economic outlook and market conditions
- Consumer credit demand and financial stress trends
- Lending performance across major credit products
- Key indicators to inform lending and portfolio strategies
Webinar
2026 Credit Card Trends
Credit card performance remains a key indicator of consumer financial health. Join Experian experts as they explore the latest credit card trends shaping 2026.
- Credit card balances, utilization, and payment behavior
- Delinquency and risk trends across consumer segments
- What lenders and businesses should watch in 2026
Report
AI: Reshaping Financial Services
AI is being adopted faster than the internet and personal computer, and financial services organizations are at the forefront of the transformation. Discover how lenders are leveraging AI across the lending lifecycle – from underwriting and origination to portfolio management – and what these innovations mean for the future of credit.
Report
2026 State of the U.S. Rental Market Report
The latest report provides a holistic view of the forces shaping today’s rental market and the evolving renter experience in 2026.
- Understand how affordability is reshaping renter behavior
- Explore generational shifts and rising rent burdens
- Analyze mobility, migration and payment trends
- Learn how financial conditions impact renter outcomes