Changing State of the US Consumer

Examining economic conditions and strains in household credit

High inflation, rising interest rates and dwindling savings are challenging some households and the US broader economy. Moody's economists and analysts discussed how macro conditions and consumer debt performance have been evolving and what's ahead for borrowers, financial institutions, and structured finance transactions.


  • How should economic forecasts be changing as the Federal Reserve seeks to cool conditions?
  • How are inflation and the changing job market affecting different household segments and consumer debt levels?
  • How deep will strains in nonprime auto, private student loans and online personal loans run?
  • What impacts on lenders and securitization have been felt so far and what's ahead?
  • Speakers keyboard_arrow_down
    Warren Kornfeld Senior Vice President, Financial Institutions Group Moody's Investors Service Bio
    Deepika Kothari Senior Vice President Moody's Investors Service Bio
    Marisa DiNatale Senior Director - Economic Research Moody's Analytics Bio
    Elena Duggar Chair of Moody’s Macroeconomic Board, Managing Director - Chief Credit Officer Americas Moody's Investors Service Bio
    Nick Monzillo AVP-Analyst Structured Finance Group, Moodys Investors Service Bio