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Country Report

Consumer Lending in

Consumer Lending in the US

14 pages, Oct 2018

US$2,100

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Executive Summary

New Report Guarantee

If you purchase a report that is updated in the next 60 days, we will send you the new edition and data extract FREE!

Cautious consumer lending growth, despite rising interest rates

In 2018, consumer lending continued to see value growth, benefiting from strong consumer expenditure and expansive economic policies. The Federal Reserve continues to push for higher interest rates, with two additional rises expected before year-end, and is forecast to meet the set inflation rate, suggesting favourable economic conditions for consumer lending growth.

Shift in home ownership demographics favours mortgages/housing

Economic and demographic changes helped sustain mortgages/housing value growth over the review period. Housing loan originations have benefited from rising demand among millennials, steady immigration, as well as a gradual shift from renting to owning.

Change in government policies driving moderate growth

Earlier this year, the US House of Representatives passed a bill which repeals sections of the 2010 Dodd-Franklin act intended to limit the power of financial institutions. The bill aims to increase consumers’ access to short term and smaller value personal loans by providing regulatory relief for banks, especially those affected by The Volcker Rule.

Auto lending

Auto lending continues to see value growth, despite tightening lending requirements. Creditworthy consumers remain favoured by lenders, with the majority of auto loans being disbursed to consumers with Prime (661-780) and Super Prime (781-850) credit scores.

Looking ahead: New policies to affect growth

Uncertainty regarding possible changes in Consumer Financial Protection Bureau (CFPB) leadership, in addition to recent changes in regulation, are contributing to a slowdown of the rate at which consumer lending will grow over the forecast period. Regulations introduced to protect pay day loan borrowers through stricter requirements have been highly criticised by lenders and current CFPB leadership.

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Overview

Why buy this report?

Gain competitive intelligence about market leaders. Track key industry trends, opportunities and threats. Inform your marketing, brand, strategy and market development, sales and supply functions.

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Overview

Discover the latest market trends and uncover sources of future market growth for the Consumer Lending industry in USA with research from Euromonitor's team of in-country analysts.

Find hidden opportunities in the most current research data available, understand competitive threats with our detailed market analysis, and plan your corporate strategy with our expert qualitative analysis and growth projections.

If you're in the Consumer Lending industry in USA, our research will save you time and money while empowering you to make informed, profitable decisions.

The Consumer Lending in USA market research report includes:

Analysis of key supply-side and demand trends
Historic volumes and values
Five year forecasts of market trends and market growth
Robust and transparent market research methodology, conducted in-country

Our market research reports answer questions such as:

What is the market size of Consumer Lending in USA?
What are the major trends set to impact the market in USA?
What capacity for consumer debt still exists in the market?
What’s the state of credit quality in the market?
Has the economic downturn reset the lender competitive landscape?

Why buy this report?

Gain competitive intelligence about market leaders
Track key industry trends, opportunities and threats
Inform your marketing, brand, strategy and market development, sales and supply functions

Euromonitor’s industry reports, including Consumer Lending in USA, originate from our database within our Consumer Finance market share and market size database, Passport, a platform which analyses Consumer Finance in 46 countries and globally.

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Consumer Lending in the US - Industry Overview

EXECUTIVE SUMMARY

Cautious consumer lending growth, despite rising interest rates

Shift in home ownership demographics favours mortgages/housing

Change in government policies driving moderate growth

Auto lending

Looking ahead: New policies to affect growth

MARKET DATA

Table 1 Consumer Lending: Outstanding Balance by Category: Value 2013-2018
Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2013-2018
Table 3 Consumer Lending: Gross Lending by Category: Value 2013-2018
Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2013-2018
Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2013-2018
Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2013-2018
Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2013-2018
Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2013-2018
Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2018-2023
Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2018-2023
Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2018-2023
Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2018-2023

SOURCES

Summary 1 Research Sources

Consumer Credit in the US - Category analysis

HEADLINES

PROSPECTS

Government regulations

Prime and super-prime borrowers preferred

Uncertainty surrounding CFPB

COMPETITIVE LANDSCAPE

Growing need for regulation of alternative lending platforms

Younger borrowers in search of online lending options

Peer-to-peer lending platforms

CATEGORY DATA

Table 13 Consumer Credit: Outstanding Balance by Category: Value 2013-2018
Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2013-2018
Table 15 Consumer Credit: Gross Lending by Category: Value 2013-2018
Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2013-2018
Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2018-2023
Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2018-2023
Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2018-2023
Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2018-2023

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Megatrends

Country Report

Consumer Lending in the US

New Report Guarantee

Executive Summary

New Report Guarantee

Cautious consumer lending growth, despite rising interest rates

Shift in home ownership demographics favours mortgages/housing

Change in government policies driving moderate growth

Auto lending

Looking ahead: New policies to affect growth

Overview

Why buy this report?

Samples (FAQs about samples):

Want to find out more about this report?

Table of Contents

Consumer Lending in the US - Industry Overview

EXECUTIVE SUMMARY

Cautious consumer lending growth, despite rising interest rates

Shift in home ownership demographics favours mortgages/housing

Change in government policies driving moderate growth

Auto lending

Looking ahead: New policies to affect growth

MARKET DATA

SOURCES

Consumer Credit in the US - Category analysis

HEADLINES

PROSPECTS

Government regulations

Prime and super-prime borrowers preferred

Uncertainty surrounding CFPB

COMPETITIVE LANDSCAPE

Growing need for regulation of alternative lending platforms

Younger borrowers in search of online lending options

Peer-to-peer lending platforms

CATEGORY DATA

Why buy this report?

Want to find out more about this report?

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