January 8, 2022

Changing Climate in the Consumer Lending Marketplace: What We’re Seeing and Hearing​

Jim Stewart

Jim Stewart

CEO, Epic Research

Three Things We’re Hearing

A three-minute read

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Will the Credit Environment Ever Return to “Normal”???

Card Delinquency v. Unemployment Rate
Quarterly Delinquency Rates by Asset Class
Transition into Delinquency (30+) by Loan Type
$60+ Delinquency Rate

Epic Predictions!

Epic 2021 Predictions (1)
EMII - Relative Direct-to-Consumer Spending by Product 20220108
Credit Card Mail Volume by Category 20220108
infographic_Epic-Reseearch_2022_Predictions

Solicitation Volumes Remain Sluggish

DIRECT Mail Volume- JAN-NOV 2019, 2020, 2021
Top Credit Card Mailers by Product – NOVEMBER 2021

Quick Takes

U.S. General Purpose Cards 20220804

The Epic Report is published monthly, and we’ll distribute the next issue on February 5th.

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Jim Stewart
www.epicresearch.net

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