Fed Survey Signals Easier Credit in 2026,

The Federal Reserve’s latest Senior Loan Officer Opinion Survey (Feb 2, 2026) shows a shift in credit conditions heading into 2026.

🔹 Banks expect stronger demand for business loans, supported by expectations of lower interest rates

🔹 Lending standards tightened in Q4 2025, but banks do not expect further tightening this year

🔹 Banks report a higher willingness to lend to AI-exposed companies

🔹 Household loan demand remains weak, with auto loans at the weakest level since early 2024

🔹 Higher risk expected for auto loans and small business loans, while large firms remain stable

📌 Market impact:

Improving credit outlook supports risk assets, while AI-related sectors continue to gain institutional attention. Consumer weakness remains a macro risk to monitor.

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