The Federal Reserve Bank of New York publishes the deciding value in its Quarterly Report on Household Debt and Credit, typically at about 10:00 AM CT on its scheduled release date, and the value used is the total household debt level stated in the paragraph under the HOUSEHOLD DEBT AND CREDIT REPORT title on the report page, not in downloaded report files. The outcome is Yes if that balance for Q4 2026 is above the value specified in the market question and No otherwise. The outcome is not determined early and becomes final at 10:00 AM CT when the report for that quarter is published, and revisions, corrections, or updates published after resolution are not considered. If the report is delayed, resolution waits until it is published.

The Federal Reserve Bank of New York publishes the deciding value in its Quarterly Report on Household Debt and Credit, typically at about 10:00 AM CT on its scheduled release date, and the value used is the total household debt level stated in the paragraph under the HOUSEHOLD DEBT AND CREDIT REPORT title on the report page, not in downloaded report files. The outcome is Yes if that balance for Q4 2026 is above the value specified in the market question and No otherwise. The outcome is not determined early and becomes final at 10:00 AM CT when the report for that quarter is published, and revisions, corrections, or updates published after resolution are not considered. If the report is delayed, resolution waits until it is published.