U.S. household debt levels are expected to set a new record later this year, according to economists at the Federal Reserve Bank of New York today.

An overwhelming 95 percent of bankers agreed that regulation has had a negative impact on business production and consumer credit availability, according to the American Bankers Association’s Real Estate Lending Survey released today during the association’s annual Real Estate Lending Conference in Orlando, Fla.

The share of current and performing first-lien mortgages was 94.7 percent for the fourth quarter of 2016, up from 94.1 percent a year earlier, according to the Mortgage Metrics Report released today by the OCC.

FDIC-insured banks and savings institutions earned $43.7 billion in the fourth quarter, up 7.7 percent from the industry’s earnings a year before, the FDIC said today.

The Consumer Financial Protection Bureau is seeking feedback on the benefits and risks of using alternative data sources -- such as mobile phone bills and rent payments -- to help consumers establish a credit history.

The U.S. economy will likely continue to see moderate expansion, a strengthening job market and inflation gradually rising to 2 percent in the months ahead, Federal Reserve Chair Janet Yellen said today in her semi-annual report to Congress on the state of monetary policy.

Consumers complained most frequently about debt collection in December, according to the Consumer Financial Protection Bureau’s monthly complaint snapshot released today.

Bankers continued tightening credit for commercial real estate loans and consumer loans in the last three months while holding steady on other business loans and easing credit standards very slightly in their home mortgage portfolios, according to the Federal Reserve’s latest senior loan officer survey released today.

However, the hottest trending topic in fair lending risk right now surrounds the old-fashioned practice of redlining.

Delinquencies in closed-end loans rose during the third quarter of 2016, according to the ABA Consumer Credit Delinquency Bulletin released today.