---
name: nyfed-household-debt-credit-ingestion
description: "How to get New York Fed Household Debt and Credit data into a pandas DataFrame and Parquet: access, the request, the format, limits, quirks and terms."
---

# Load a New York Fed household-debt sheet into Parquet

Source entry: https://signal-lab-jet.vercel.app/datasets/nyfed-household-debt-credit
Provider: https://www.newyorkfed.org/microeconomics/hhdc.html
Checked against the provider's documentation: 2026-11-01

## Access
- No account or key. The quarterly XLSX workbook is a public download.
- pandas needs an XLSX engine such as openpyxl; the checked run used openpyxl 3.1.5.

## Request
```bash
curl -O 'https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/xls/HHD_C_Report_2026Q2'
```

## Format
Excel workbook with a table of contents and chart-source worksheets; the example preserves the raw Page 3 Data sheet as strings because its title and header rows are embedded in the sheet.

## Load into pandas and Parquet
Needs Python 3 with requests, pandas and pyarrow.
```python
"""New York Fed 2026 Q2 household-debt Page 3 data -> Parquet."""
import io
import requests
import pandas as pd

URL = ("https://www.newyorkfed.org/medialibrary/interactives/"
       "householdcredit/data/xls/HHD_C_Report_2026Q2")
r = requests.get(URL, timeout=60)
r.raise_for_status()
df = pd.read_excel(io.BytesIO(r.content), sheet_name="Page 3 Data", header=None)
df = df.astype("string")
df.to_parquet("nyfed_household_debt_page3.parquet", index=False)
print(len(df), "rows", len(df.columns), "columns from Page 3 Data")
```
Run by us on 2026-11-01 (python 3.13.5 | pandas 3.1.0 | pyarrow 26.0.0 | requests 2.34.2 | openpyxl 3.1.5). Result: 100 rows 8 columns from Page 3 Data

## Limits
- Rate limit: Not stated.
- The report is quarterly; the latest checked workbook is 2026 Q2.
- A separate workbook supplies 1999-2003 data.

## Quirks
- Each chart has its own worksheet and embedded title or header rows; select and reshape sheets according to the table of contents.
- The example converts the raw worksheet to strings so mixed title, date and numeric cells serialize consistently to Parquet.
- The provider notes a temporary mortgage-reporting gap from a servicing transfer in 2026 Q2 and continuing student-loan reporting distortions.

## Terms and attribution
- The New York Fed permits personal and business use, copying, distribution and modification subject to its terms.
- Household Debt and Credit data require the New York Fed Consumer Credit Panel / Equifax attribution.
- Terms page: https://www.newyorkfed.org/privacy/termsofuse

## Sources
- https://www.newyorkfed.org/householdcredit/hhdc-iframe: "Transition into early delinquency ticked up for auto loans and mortgages but was largely steady for credit cards and other debts."
- https://www.newyorkfed.org/householdcredit/hhdc-iframe: "1999-2003 Data"
- https://www.newyorkfed.org/privacy/termsofuse: "The New York Fed grants you a non-exclusive license, subject to the Terms, to use, copy, and distribute Content for your personal or business purposes."
- https://www.newyorkfed.org/privacy/termsofuse: "If you use the Consumer Credit Panel data, the proper attribution format is “New York Fed Consumer Credit Panel / Equifax.”"

## Help improve this skill
Missing a source, or see something to improve? Call the MCP tool suggest_source or feedback (or POST /api/suggest or /api/feedback). Reviewed ideas: https://signal-lab-jet.vercel.app/agent-suggestions

Information for educational purposes only. Free tiers, limits and licenses belong to the providers and may change; check the provider's own terms before using the data.