연준 SLOOS: 3분기 동안 은행들은 대기업 및 중견기업 대상 상업·산업(C&I) 대출의 대출 기준이 대체로 변함없었다고 보고한 반면, 소기업 대상 C&I 대출 기준은 강화됐다고 보고했다

CRE: Banks reported having tightened, on net, lending standards for all commercial real estate (CRE) loan categories RRE: Banks reported having left standards basically unchanged, on net, over the third quarter for most types of residential mortgage loans except qualified mortgage (QM) jumbo and non-QM jumbo mortgages, for which banks reported having eased standards Consumer: Banks reported having left lending standards and most queried terms basically unchanged for credit card loans, auto loans, and other consumer loans Credit Card Banks reported being more likely to approve credit card applications to super-prime and prime borrowers and less likely to approve applications to subprime borrowers, with small banks driving the trend for subprime borrowers. The likelihood of approving credit card applications remained basically unchanged for near-prime borrowers. As reasons for stronger demand for credit card loans over the past year, banks most frequently cited changes in customers’ spending needs in response to price changes for goods and services they face.