Moody’s U.S. Consumer Credit Outlook
Join us Thursday, November 5th for our bi-annual Consumer Credit Outlook, where our panel of Moody's experts, Scott Hoyt, Senior Director and David Fieldhouse, Director, discuss the current and anticipated trends in household credit conditions.
Topics of discussion will include:
- Slower spending growth as uncertainty increases, along with signs that some consumer fundamentals are weakening.
- Consumer fundamentals are sending mixed signals – some are showing signs of strain, others may follow, and many aren't behaving as they typically do during economic cycles.
- Consumer credit performance remains uneven. Delinquency rates are still above pre-pandemic levels and could rise further if the labor market weakens.
The presentation will begin with prepared remarks by Scott and David and then dovetail into a fireside discussion between the presenters. We hope you can join us.
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SpeakersScott Hoyt Senior Director - Economic Research Moody's
David Fieldhouse Director - Consumer Credit Analytics Moody's Analytics
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Scott Hoyt is senior director for Moody’s, responsible for the firm’s consumer forecasts and analysis. Dr. Hoyt contributes to Economic View, speaks at conferences, and oversees the production of the U.S. economic forecast. He has done custom modeling for credit and consumer sector clients. His projects include estimating market size geographically for several large retail clients, analysis of spending by demographic groups and implications for the spending outlook, credit portfolio modeling, and delinquency and loss modeling. His areas of expertise include consumer spending, retail sales and industry performance, consumer credit, household income, demographics, and other aspects of consumer behavior and its macroeconomic and industry implications.
Before joining Moody’s Analytics, Dr. Hoyt spent five years as an economist for J.C. Penney, where he did extensive work supporting the company's strategic planning efforts, real estate research department, merchandise departments, and credit department. He received his PhD and MA in economics from the University of Pennsylvania and his BA summa cum laude from Bates College.
David Fieldhouse is a Director in the Content, Economics and Structured Analytics Division of Moody’s Analytics. His responsibilities include developing and validating models of retail loan performance for financial institutions. He also provides regular analysis and commentary on consumer credit markets. David has a PhD from the University of Western Ontario.