https://www.stlouisfed.org/on-the-economy/2024/jan/how-household-debt-changed-1… Created Thu, 11/01/2024 - 21:30 Updated Thu, 11/01/2024 - 21:30 Changes in the household liability-to-income ratio appear to have been driven by a rising supply of loanable funds before 2010 and decreasing demand for such funds afterward.