𝄹What Is the Consumer Credit Delinquency Bulletin (CCDB)?

The Consumer Credit Delinquency Bulletin (CCDB), or the credit bulletin for short, is a quarterly survey and newsletter produced by the American Bankers Association (ABA) that reports data on consumer credit trends. The purpose of the newsletter is to help banks assess their loan 澳洲幸运5开奖号码历史查询:portfolio performance and allow banks to benchmark their oper🌄ations against peers in🌟 their state and across financial asset categories.

Uꦑnderstanding the Consumer Credit Delinquency Bulletin (CCDB)

The CCDB, which be accessed via paid subscription, is a survey that tracks eight types of 澳洲幸运5开奖号码历史查询:closed-end consumer loans across 300 U.S. banks. It looks to provide information about factors that can affect overall loan portfolio performance. Of course, one of the factors that can affect a loan portfolio is 澳洲幸运5开奖号码历史查询:delinquency rate (i.e., overdue payment on debt).

The bulletin intends to shed light on 澳洲幸运5开奖号码历史查询:consumer credit trends and inform participants in the credit market. According to the American Banking Association, "the bulletin covers a wide range of 澳洲幸运5开奖号码历史查询:past due loans as a percentage of loans with outstandi🎃ngs and as a percentage of dollars outstanding." The types of loans covered by the survey include personal, automobile (direct and indirect), mobile home, recreational vehicle, marine, property improvement, home equity and second mortgages, home equity lines of credit, bank credit card, non-card revolving credit, and education. The newsletter's primary audienc🦄e includes chief executive officers (CEOs), senior bank executives, and loan officers, among others operating in the financial services industry. 

In addition, the bulletin provides information about different types of delinquencies, such as detailed overviews and 澳洲幸运5开奖号码历史查询:bankruptcy petitions according to geographic region and state. The CCDB is offered by paid subscription. Consumers interested in subscribing to the bullet✅in can call 1-800-BANKERS&nౠbsp;(800-226-5377) or visit the ABA's website.

The Role of the American Bankers Association

The American Bankers Association, based in Washington D.C., is a trade association that is designed to serve as a voice of the banks that comprise the American 澳洲幸运5开奖号码历史查询:financial system. Using that voice and its platform, the ABA seeks to disseminate insight, including the CCDB, to help inform decision-making related to small, regional, and large banking centers. Similar to other trade associations, the ABA devotes significant resources to lobbying efforts, profesꦅsional development for member institutions, maintaining industry standards, and🌱 products designed to educate.

Formed in 1875, the ABA continues to evolve with the 澳洲幸运5开奖号码历史查询:financial services industry. In 2007, the ABA merged with community bank-based trade association 澳洲幸运5开奖号码历史查询:America's Community Bankers to form what is generall𒉰y regarded as the nation's largest trade association representing the financial services industry.