{"id":14036904,"url":"https://github.com/cfpb/consumer-credit-trends-data","last_synced_at":"2025-07-05T13:38:37.317Z","repository":{"id":66347980,"uuid":"78885192","full_name":"cfpb/consumer-credit-trends-data","owner":"cfpb","description":"Data for the CFPB's consumer credit trends visualizations","archived":false,"fork":false,"pushed_at":"2025-04-09T17:39:31.000Z","size":16810,"stargazers_count":8,"open_issues_count":0,"forks_count":11,"subscribers_count":19,"default_branch":"main","last_synced_at":"2025-04-09T20:14:48.406Z","etag":null,"topics":[],"latest_commit_sha":null,"homepage":"http://www.consumerfinance.gov/data-research/consumer-credit-trends/","language":"Python","has_issues":true,"has_wiki":null,"has_pages":null,"mirror_url":null,"source_name":null,"license":null,"status":null,"scm":"git","pull_requests_enabled":true,"icon_url":"https://github.com/cfpb.png","metadata":{"files":{"readme":"README.md","changelog":null,"contributing":null,"funding":null,"license":null,"code_of_conduct":null,"threat_model":null,"audit":null,"citation":null,"codeowners":null,"security":null,"support":null,"governance":null,"roadmap":null,"authors":null,"dei":null,"publiccode":null,"codemeta":null}},"created_at":"2017-01-13T20:44:32.000Z","updated_at":"2025-04-09T17:39:35.000Z","dependencies_parsed_at":"2024-12-02T16:33:44.607Z","dependency_job_id":"a1950bb2-1d3f-4cd7-968d-aff34680c064","html_url":"https://github.com/cfpb/consumer-credit-trends-data","commit_stats":null,"previous_names":[],"tags_count":0,"template":false,"template_full_name":null,"repository_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories/cfpb%2Fconsumer-credit-trends-data","tags_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories/cfpb%2Fconsumer-credit-trends-data/tags","releases_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories/cfpb%2Fconsumer-credit-trends-data/releases","manifests_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories/cfpb%2Fconsumer-credit-trends-data/manifests","owner_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/owners/cfpb","download_url":"https://codeload.github.com/cfpb/consumer-credit-trends-data/tar.gz/refs/heads/main","host":{"name":"GitHub","url":"https://github.com","kind":"github","repositories_count":248103872,"owners_count":21048245,"icon_url":"https://github.com/github.png","version":null,"created_at":"2022-05-30T11:31:42.601Z","updated_at":"2022-07-04T15:15:14.044Z","host_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub","repositories_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories","repository_names_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repository_names","owners_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/owners"}},"keywords":[],"created_at":"2024-08-12T03:02:18.538Z","updated_at":"2025-04-09T20:14:55.251Z","avatar_url":"https://github.com/cfpb.png","language":"Python","funding_links":[],"categories":["Python"],"sub_categories":[],"readme":"# Consumer Credit Trends\n\n\n## Explore recent developments in consumer credit markets\nThe data files in this repo appear on [the live Consumer Credit Trends site here](https://www.consumerfinance.gov/data-research/consumer-credit-trends/) powering graphs for each featured credit market, as shown in this screenshot.\n\n![Screenshot of consumer-credit-trends](cct-screenshot.png)\n\nThis site displays graphs for several consumer credit markets:\n\n- Auto loans\n- Credit cards\n- Mortgages\n- Student loans\n\nFor each market, credit information includes:\n\n- Market summaries for volume, value, and geographic changes\n- Lending levels by certain demographic breakdowns\n    - Borrower risk profile (credit score)\n    - Neighborhood income level\n    - Borrower age\n- Inquiry activity\n    - Credit inquiries\n    - Credit tightness\n\n## What's in this repository\n\n### Data files\n\nData is organized into per-market folders. Provided data files include:\n\n- CSV files of the data for download\n- JSON files which are rendered on [the live site](https://www.consumerfinance.gov/data-research/consumer-credit-trends/) using [cfpb-chart-builder](https://github.com/cfpb/cfpb-chart-builder)\n\n### Python files\n\nThe Python 2 based script processes raw data from our Office of Research into the output data files contained in this repo. These raw data files are internal-only and are anonymized summaries produced by the Consumer Credit Panel.\n\n- `process_incoming_data.py` - Overall processing script\n- `process_globals.py` - Configuration settings for data processing\n- `process_utils.py` - Reusable utility functions, e.g. number/date conversions and reading/writing data/csv/json files\n\n## Data schema\n\n### Markets by folder or filename suffix\n\nData is organized into per-market folders.\nThe suffix of each file indicates the credit market.\n\n\u003ctable id=\"suffix\"\u003e\n  \u003ctbody\u003e\n    \u003ctr\u003e\n      \u003cth\u003eMarket\u003c/th\u003e\n      \u003cth\u003eFolder\u003c/th\u003e\n      \u003cth\u003eFile Suffix\u003c/th\u003e\n    \u003c/tr\u003e\n    \u003ctr\u003e\n      \u003ctd\u003eAuto loans\u003c/td\u003e\n      \u003ctd\u003eauto-loans\u003c/td\u003e\n      \u003ctd\u003eAUT\u003c/td\u003e\n    \u003c/tr\u003e\n    \u003ctr\u003e\n      \u003ctd\u003eCredit card\u003c/td\u003e\n      \u003ctd\u003ecredit-cards\u003c/td\u003e\n      \u003ctd\u003eCRC\u003c/td\u003e\n    \u003c/tr\u003e\n    \u003ctr\u003e\n      \u003ctd\u003eMortgages\u003c/td\u003e\n      \u003ctd\u003emortgages\u003c/td\u003e\n      \u003ctd\u003eMTG\u003c/td\u003e\n    \u003c/tr\u003e\n    \u003ctr\u003e\n      \u003ctd\u003eStudent loans\u003c/td\u003e\n      \u003ctd\u003estudent-loans\u003c/td\u003e\n      \u003ctd\u003eSTU\u003c/td\u003e\n    \u003c/tr\u003e\n  \u003c/tbody\u003e\n\u003c/table\u003e\n\n### Types of data by filename prefix\n\nThe prefix of each file indicates type of aggregate data.\nThis table lists these prefixes alphabetically.\n\n\u003ctable id=\"prefix\"\u003e\n  \u003ctbody\u003e\n    \u003ctr\u003e\n      \u003cth\u003eFile Prefix\u003c/th\u003e\n      \u003cth\u003eDescription\u003c/th\u003e\n    \u003c/tr\u003e\n    \u003ctr\u003e\n      \u003ctd\u003ecrt_\u003c/td\u003e\n      \u003ctd\u003eNumber of consumers who applied for credit each month \n      and did not obtain additional credit \u003cbr/\u003e\n      Values are indexed to January 2009\u003c/td\u003e\n    \u003c/tr\u003e\n    \u003ctr\u003e\n      \u003ctd\u003einq_\u003c/td\u003e\n      \u003ctd\u003eNumber of consumers with credit inquiries \u003cbr/\u003e\n      Values are indexed to January 2009\u003c/td\u003e\n    \u003c/tr\u003e\n    \u003ctr\u003e\n      \u003ctd\u003emap_data_\u003c/td\u003e\n      \u003ctd\u003eGeographic map data containing year-over-year changes \n      for each U.S. state\u003c/td\u003e\n    \u003c/tr\u003e\n    \u003ctr\u003e\n      \u003ctd\u003enum_data_\u003c/td\u003e\n      \u003ctd\u003eNumber of new loan originations\u003c/td\u003e\n    \u003c/tr\u003e\n    \u003ctr\u003e\n      \u003ctd\u003evol_data_\u003c/td\u003e\n      \u003ctd\u003eLoan volume in dollars\u003c/td\u003e\n    \u003c/tr\u003e\n    \u003ctr\u003e\n      \u003ctd\u003evolume_data_Age_Group_\u003c/td\u003e\n      \u003ctd\u003eLoan volume in dollars,\n      broken out by the borrower's age group demographics\u003c/td\u003e\n    \u003c/tr\u003e\n    \u003ctr\u003e\n      \u003ctd\u003evolume_data_yoy_data_Income_Level_\u003c/td\u003e\n      \u003ctd\u003eLoan volume in dollars, \n      broken out  by the borrower's income level relative to their \n      neighborhood's income level\u003c/td\u003e\n    \u003c/tr\u003e\n    \u003ctr\u003e\n      \u003ctd\u003evolume_data_Score_Level_\u003c/td\u003e\n      \u003ctd\u003eLoan volume in dollars, \n      broken out by the borrower's credit score group\u003c/td\u003e\n    \u003c/tr\u003e\n    \u003ctr\u003e\n      \u003ctd\u003eyoy_data_all_\u003c/td\u003e\n      \u003ctd\u003eYear-over-year percentage change in new loan originations\u003c/td\u003e\n    \u003c/tr\u003e\n    \u003ctr\u003e\n      \u003ctd\u003eyoy_data_Age_Group_\u003c/td\u003e\n      \u003ctd\u003eYear-over-year percentage change in new loan originations, broken out by the borrower's age group demographics\u003c/td\u003e\n    \u003c/tr\u003e\n    \u003ctr\u003e\n      \u003ctd\u003eyoy_data_Income_Level_\u003c/td\u003e\n      \u003ctd\u003eYear-over-year percentage change in new loan originations,\n      broken out by the borrower's income level relative to their\n      neighborhood's income level\u003c/td\u003e\n    \u003c/tr\u003e\n    \u003ctr\u003e\n      \u003ctd\u003eyoy_data_Score_Level_\u003c/td\u003e\n      \u003ctd\u003eYear-over-year percentage change in new loan originations,\n      broken out by the borrower's credit score group\u003c/td\u003e\n    \u003c/tr\u003e\n  \u003c/tbody\u003e\n\u003c/table\u003e\n","project_url":"https://awesome.ecosyste.ms/api/v1/projects/github.com%2Fcfpb%2Fconsumer-credit-trends-data","html_url":"https://awesome.ecosyste.ms/projects/github.com%2Fcfpb%2Fconsumer-credit-trends-data","lists_url":"https://awesome.ecosyste.ms/api/v1/projects/github.com%2Fcfpb%2Fconsumer-credit-trends-data/lists"}