THE MACRO MOMENT WITH

Joseph Mayans

Experian North America Chief Economist Joseph Mayans delivers insight on the U.S. economy as well as key economic and credit developments and implications for the financial services industry.

Q4 Lending Conditions Chartbook

The U.S. economy proved more resilient than expected in 2025, overcoming tariff pressures and setting the stage for steady growth in 2026. With lending standards easing, credit demand climbing, and delinquencies holding steady, lenders have a clearer path to opportunity.

Access the Q4 2025 Lending Conditions Chartbook to understand the trends shaping next year’s economy and credit conditions.

Download now
Get the Macro Moment sent straight to your inbox. Subscribe

In case you missed it...


Lending Conditions Chartbook Q1 2025

Dive into key trends important for the financial services industry including credit activity, lending standards, loan demand, originations, delinquency and consumer sentiment.

Download the chartbook

U.S. Macroeconomic Scenarios - February 2025

While many areas of strength remain in the U.S. economy, there are a few challenges ahead in 2025 that could cloud the economic outlook including potential inflationary pressures and continued affordability issues in the housing market.

Download the report

Timelines of recession and recovery

Leverage analysis about an "average" recession, summary heatmaps and deeper dives into the last five downturns. Use trends and insights to inform strategies navigating the economy ahead.

Download the report

Macroeconomic Forecasting and Credit Trends - Q3 2025

Join us for the latest macroeconomic outlook, trends and implications for your organization.

Register for our next quarterly webinar today.

Experian’s Chief Economist, Joseph Mayans, will present the latest economic, credit, and housing trends, along with forecasts for the rest of the year and beyond, alongside other industry experts.
  • Submit
Validated by Experian Data Quality
© 2025 Experian Information Solutions, Inc. All rights reserved.
Experian and the Experian marks used herein are service marks or registered trademarks of Experian Informations Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners.