Borrowing and its costs, tracked for households and companies alike: mortgages, card balances, arrears and defaults, corporate leverage and refinancing schedules. Pieces show how tighter credit reaches spending within a quarter or two. Useful to lenders, credit analysts and finance teams planning around rate changes.
The Federal Reserve sets one overnight rate, but the rates households actually pay and earn pass through banks, funding markets, and competition — with very different speeds.
