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Financial Services

Confidence in U.S. Banks Down Sharply

Only 32% of Americans express confidence in U.S. banking institutions

June 23, 2008
Just 32% of Americans express confidence in U.S. banks, down nine percentage points over the past year and near the record low of 30% in October 1991 -- the lowest level in the three decades Gallup has been measuring confidence in banking institutions.More ...

Consumer Credit Crunch Already Underway

September poll shows credit crunch impact varies by age, income, geography

September 17, 2007
New Experian/Gallup Personal Credit Index (PCI) Poll data for early September, as well as that collected over the past three months, suggests that, contrary to popular perceptions, the consumer credit crunch has been underway for several months -- particularly for many younger- and lower-income consumers as well as many Americans in the Midwest.More ...

Annual Update: Americans Rate Business and Industry Sectors

Oil and gas industry and federal government have worst images

September 6, 2007
Americans rate the restaurant and computer industries the most positive of 25 sectors surveyed, while they are most negative about the oil and gas industry, the federal government, and the healthcare sector. Americans have rated most business and industry sectors more negatively over time, particularly since 2003, and the public has lost more faith in the federal government over the last four years than any other industry sector tested.More ...

Investors Optimistic About Their Portfolios, Worried About Economy

Growing concerns about residential real estate and consumer credit suggest weaker economy

August 27, 2007
The UBS/Gallup Index of Investor Optimism poll shows that investor optimism plunged in August while recording its third consecutive monthly decline. Still, even as investors' fears about the U.S. economy grow, they seem surprisingly optimistic about the future of their investment portfolios.More ...

Looks Like an Old-Fashioned Consumer Credit Crunch

Expect shock waves as credit standards and normal risk premiums return to the credit markets

August 6, 2007
The UBS-Gallup Index of Investor Optimism poll showed investor optimism falling even before the Dow Jones average peaked on July 19. It also showed that many investors are worried about a "consumer credit crunch." Has the average investor been prescient in both instances?More ...

Consumers' Credit Perceptions Decline in June

New poll shows fewer Americans intend to seek new credit in the months ahead

June 18, 2007
Consumer credit perceptions hit a seven-month low in June, according to the new Experian/Gallup PCI poll. One result of this may be a reduction in the number of consumers seeking new credit in the months ahead. Still, the current consumer credit pullback seems largely voluntary and not the result of a lender- or regulator-induced credit crunch.More ...

Will the "Subprime" Meltdown Be Contained?

New poll shows many Americans think Fed Chairman may be too optimistic

May 21, 2007
Many Americans do not share Fed Chairman Ben Bernanke's recent optimism that the subprime mortgage market meltdown will be contained according to a new May Experian/Gallup Personal Credit Index (PCI) poll. Although most Americans feel the ready availability of subprime loans is a bad thing, the poll also finds majority support for new federal legislation to help subprime borrowers keep their homes and avoid foreclosure.More ...

Will Credit Cards Suffer a Subprime-Like Meltdown?

Latest Experian/Gallup poll data show credit card payments vary significantly by age and income

May 7, 2007
About half of consumers use their credit cards as a substitute for cash by paying the full amount of their bill each month, although the ability to do so varies significantly by age and income. Still, the key question for the months ahead is whether the credit card industry will experience a meltdown similar to that taking place in the subprime market.More ...

New Experian/Gallup PCI Poll Hints at Consumer Borrower Credit Crunch

Can country have a credit crunch given today's high liquidity and low interest rates worldwide?

March 12, 2007
Consumer perceptions of the credit markets took a plunge in early March according to a new Experian/Gallup Personal Credit Index poll. Is this the start of a consumer borrower credit crunch spawned by the lending debacle now coming home to roost in the sub-prime mortgage market?More ...

No Improvement in Consumer Credit Market Perceptions

As housing prices fall, many consumers continue to feel now is not a good time to borrow

October 30, 2006
The Experian/Gallup Personal Credit Index poll shows consumers' perceptions of the credit markets remain about the same as they were last month, but better than they were a year ago -- a situation consistent with today's improved consumer confidence levels. But, will tumbling real estate prices produce a negative "wealth effect" and limit consumer buying of big-ticket items this holiday season?More ...
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