Explore the Top 5 Credit Risk Assessment Trends for 2026
Credit risk trends to anticipate in 2026
Learn how to more confidently grow portfolios throughout dynamic economic conditions, consumer behavior and regulatory changes.
As the divide between the financially stable and those under strain widens, U.S. financial institutions should anticipate sharply contrasting financial activity across segments. As pressure and debt mount, consumers and small businesses will be seeking more credit—at the same time FIs are navigating complex policy changes.
To help risk managers prepare for new challenges and opportunities in the year ahead, we’ve compiled the top five credit risk assessment trends for 2026. Download the infographic to learn more about these trends and how to manage them:
A split economy driving more credit-seeking behavior
In an increasingly wide and sustained K-shaped economy, FIs can expect more customers seeking credit to keep up with everyday expenses—many with thin credit histories.
Rising delinquencies making portfolio monitoring critical
As the economic landscape shifts, stress signals are emerging across active portfolios, increasing the risk of default and collections across segments.
Tariff volatility hitting certain small business sectors harder
Ongoing tariff adjustments are impacting some industries heavier than others, and businesses whose pre-tariff inventory is reaching depletion will soon need to replenish at higher prices.
Policy changes introducing new complexity for consumer lending
Various federal and regulatory developments are expected to shift borrower behavior in 2026, including changes to student loans and medical debt reporting.
Alternative data becoming essential, not optional
As traditional data alone may no longer provide a robust view of borrower risk in an environment of rapid economic and regulatory change, alternative data is more often being used to find creditworthy applicants and identify hidden risk.
