{"_note":"Fed G.19 Consumer Credit, Terms of Credit table. Refresh on the G.19 release (around the 7th of each month). cols: period, cc_all (commercial bank credit card plans, all accounts), cc_int (accounts assessed interest), car60 (60-month new car), personal24, fin_rate (finance company new car), fin_term, fin_amount.",
"released":"2026-10-07","src":"https://www.federalreserve.gov/releases/g19/current/default.htm","next":"2026-11-06",
"rows":[["2021",14.60,16.45,4.82,9.38,4.6,67,35307],["2022",16.26,17.91,5.36,9.87,5.2,67,38900],["2023",20.90,22.15,7.83,11.87,6.7,66,38716],["2024",21.58,22.89,8.16,12.27,6.2,66,39386],["2025",21.22,22.32,7.65,11.50,6.4,66,40582],["2025 Q2",21.16,22.25,7.67,11.57,6.6,66,39867],["2025 Q3",21.39,22.83,7.64,11.14,6.3,66,40803],["2025 Q4",20.97,22.30,7.24,11.63,6.1,66,41742],["2026 Q1",21.00,21.52,7.53,11.36,6.2,67,41727],["2026 Q2",20.94,22.15,7.14,11.86,6.3,67,41705],["Aug 2026 (prelim.)",21.19,22.36,7.54,11.90,null,null,null]],
"history":[["2010",13.78,14.26],["2012",12.06,12.96],["2014",11.87,12.53],["2016",12.35,13.56],["2018",14.22,16.04],["2019",15.05,16.98],["2020",14.65,16.28],["2021",14.60,16.45],["2022",16.26,17.91],["2023",20.90,22.15],["2024",21.58,22.89],["2025",21.22,22.32]],
"balance":{"total":1.263,"asof":"2026-Q2","src":"NY Fed Household Debt and Credit Report"},
"transfer":{"fee_pct":3,"intro_months":18,"note":"Typical 0% balance-transfer offers in 2026: 15 to 21 months at 0%, 3% to 5% transfer fee, good-to-excellent credit."}}