Fed Survey Signals Easier Credit in 2026,
The Federal Reserveโs latest Senior Loan Officer Opinion Survey (Feb 2, 2026) shows a shift in credit conditions heading into 2026.
๐น Banks expect stronger demand for business loans, supported by expectations of lower interest rates
๐น Lending standards tightened in Q4 2025, but banks do not expect further tightening this year
๐น Banks report a higher willingness to lend to AI-exposed companies
๐น Household loan demand remains weak, with auto loans at the weakest level since early 2024
๐น Higher risk expected for auto loans and small business loans, while large firms remain stable
๐ Market impact:
Improving credit outlook supports risk assets, while AI-related sectors continue to gain institutional attention. Consumer weakness remains a macro risk to monitor.
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