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Introducing a Credit Bureau-Based Measure of U.S. Household Debt Service

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Abstract

Each quarter, the Board publishes an estimate of the ratio of aggregate required household debt service payments to income. The numerator of this Debt Service Ratio (DSR) is calculated using estimates of the outstanding balances of household debts in various product categories, their average interest rates, and times until maturity.

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  • Daniel R. Ringo, 2024. "Introducing a Credit Bureau-Based Measure of U.S. Household Debt Service," FEDS Notes 2024-09-04-2, Board of Governors of the Federal Reserve System (U.S.).
    • Handle: RePEc:fip:fedgfn:2024-09-04-2
    DOI: 10.17016/2380-7172.3615
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