Report
Published August 13, 2024
Commercial Commercial Insights Credit & Economic Trends Economic & Market Insights
The excitement of a U.S. Election cycle in the fall, a cooling economy, rising unemployment, and a turbulent international landscape all play into a fall filled with anxious sentiment but stable cash flows. The economy has been humming at a stable pace over the last two quarters. Consumers have been spending their wage gains while not overleveraging their cards. This stability in the market has led small businesses to operate in the U.S. at pace with expectations. Growth has been slow as credit markets, although open, have tightened underwriting policies that limit both the consumer and small business from gaining access to low-cost funding to enter a season of true growth in the U.S. The economy is cooling, and the market expectations for a Federal Funds Rate cut are rising.
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2026 State of the U.S. Housing Market Report: Navigating Uncertainty, Unlocking Opportunity
Gain actionable insights from Experian’s 2026 State of the U.S. Housing Market Report:
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Q4 2025 Lending Conditions Chartbook
Despite tariff headwinds in 2025, the U.S. economy exceeded expectations and is positioned for continued growth. Improving credit dynamics point to a stronger lending environment in 2026.
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- Improving lending standards and rising credit demand
- Stable delinquency trends support healthier credit conditions
White Paper
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Read the latest findings about "Closing the credit gap" white paper, and what they mean for financial inclusion and risk management.
Key insights:
- Income and credit trends reveal significant disparities that impact access to financial products.
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- Lenders who adapt their strategies and product offerings can expand their customer base, reduce default rates, and lead in inclusive finance.
Report
The Alt Labor Story
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- Unemployment edged up in line with Fed projections
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