live.moodys.io
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44.206.23.217
Public Scan
Submitted URL: http://info.moodys.com/dc/63cEqt0UpkyvZSWZrjfZTAYFojjFDNx9qSGLMYIXDz_zYU2v6Ghvj68Kv9ZALwxV0PS_iHSeIVvaHSyY8PRNFMoJ93KZx...
Effective URL: https://live.moodys.io/2023-02-amer-mau20623-mapaeco-cf-credit-outlook-web?user_token=&mkt_tok=OTYxLUtDSi0zMDgAAAGJsY_l...
Submission: On February 02 via api from US — Scanned from DE
Effective URL: https://live.moodys.io/2023-02-amer-mau20623-mapaeco-cf-credit-outlook-web?user_token=&mkt_tok=OTYxLUtDSi0zMDgAAAGJsY_l...
Submission: On February 02 via api from US — Scanned from DE
Form analysis
5 forms found in the DOMPOST https://live.moodys.io/ajax/contact-form/507
<form method="POST" action="https://live.moodys.io/ajax/contact-form/507" accept-charset="UTF-8" class="js-contact-form contact-form contact-form-507 registration-form" data-label-prefix="form-507" ng-non-bindable=""><input name="_token"
type="hidden" value="PYkzkkyufpwt5h3enm9FhsPdr5MPSO8YGrKrUk9V">
<input name="page_url" type="hidden" value="https://live.moodys.io/2023-02-amer-mau20623-mapaeco-cf-credit-outlook-web">
<div class="row">
<div class="col s12">
<div class="contact-form__description margin-bottom-10">
<p>Please provide your contact information and the nature of your query.</p>
</div>
<div class="js-form-result"></div>
</div>
</div>
<div class="js-form-fields">
<div class="row">
<div class="input-field col
s12">
<input id="form-507email" class="validate" name="email" type="text">
<label for="form-507email">Email</label>
</div>
<div class="input-field col
s12 m6">
<input id="form-507first_name" class="validate" name="first_name" type="text">
<label for="form-507first_name">First Name</label>
</div>
<div class="input-field col
s12 m6">
<input id="form-507last_name" class="validate" name="last_name" type="text">
<label for="form-507last_name">Last Name</label>
</div>
<div class="input-field col
s12">
<input id="form-507job_title" class="validate" name="job_title" type="text">
<label for="form-507job_title">Job title</label>
</div>
<div class="input-field col
s12">
<input id="form-507company" class="validate" name="company" type="text">
<label for="form-507company">Company</label>
</div>
<div class="input-field col
s12">
<input id="form-507phone" class="validate" name="phone" type="text">
<label for="form-507phone">Phone</label>
</div>
<div class="input-field col s12 pap-select-wrapper--type_of_enquiry">
<select class="browser-default" name="type_of_enquiry">
<option value="" selected="selected">Type of enquiry</option>
<option value="General">General</option>
<option value="Website">Website</option>
<option value="Event">Event</option>
</select>
<span class="pap-select-error">Type of enquiry required</span>
</div>
<div class="input-field col s12">
<textarea id="form-507message" rows="1" class="materialize-textarea validate" name="message" cols="50"></textarea>
<label for="form-507message">Message</label>
</div>
</div>
<div class="pap_name_wrap" style="display:none;"><input name="pap_name" type="text" value="" id="pap_name"><input name="pap_time" type="text"
value="eyJpdiI6InRZeFozWU92WW1MZUVnRm1mb1lRckE9PSIsInZhbHVlIjoidU1RMFoxYXRSWEM0WU9tangybmRrZz09IiwibWFjIjoiYWE2NjdjZmZiNmMxYmUyMDQyMjNlZWRlMDA4MjZiNjQ0MGZkNzI5MzdiOWIwODJjNjhmYTUwNDg5MGJiMTM2OSIsInRhZyI6IiJ9"></div>
</div>
<div class="js-form-fields clearfix">
<div class="margin-top-10 right-align">
<button type="submit" class="waves-effect waves-green btn waves-light bg-color-secondary">Submit</button>
</div>
</div>
</form>
POST https://live.moodys.io/sign-in
<form method="POST" action="https://live.moodys.io/sign-in" accept-charset="UTF-8" class="js-sign-in-form" data-label-prefix="modal-sign-in-" ng-non-bindable=""><input name="_token" type="hidden" value="PYkzkkyufpwt5h3enm9FhsPdr5MPSO8YGrKrUk9V">
<div>
<div class="typo-18 uppercase margin-top-0 margin-bottom-0">Sign In</div>
</div>
<div class="padding-top-10 padding-bottom-25">
<div>
<div class="body-content margin-bottom-10">
<p>Please sign in to your account:</p>
</div>
<div class="clearfix"></div>
<div class="js-form-result"></div>
</div>
<div class="js-form-fields row row--negative-margins">
<div class="input-field col s12">
<input id="modal-sign-in-email" class="validate" name="email" type="text">
<label for="modal-sign-in-email">Email</label>
</div>
<div class="input-field col s12 pap-select-wrapper--password">
<input id="modal-sign-in-password" class="validate" name="password" type="password" value="">
<label for="modal-sign-in-password">Password</label>
</div>
</div>
</div>
<div class="js-form-fields">
<div class="sign-in-form__footer clearfix">
<a href="https://live.moodys.io/forgotten-password" class="js-forgotten-password-modal padding-top-8 inline-block typo-12">
Forgotten password?
</a>
<button type="submit" class="waves-effect waves-green btn waves-light bg-color-secondary right"> Sign In </button>
</div>
</div>
</form>
POST https://live.moodys.io/sign-up
<form method="POST" action="https://live.moodys.io/sign-up" accept-charset="UTF-8" class="js-registration-form registration-form" data-label-prefix="modal-sign-up-" ng-non-bindable="" autocomplete="off"><input name="_token" type="hidden"
value="PYkzkkyufpwt5h3enm9FhsPdr5MPSO8YGrKrUk9V">
<div class="sign-in-form__header padding-25 bg-color-primary" style="border-top-left-radius: 5px; border-top-right-radius: 5px;">
<div class="row">
<div class="col s4">
<div class="typo-18 margin-top-0 margin-bottom-0 js-sign-up-title"> Sign Up </div>
</div>
<div class="col s8 right-align">
<a href="https://live.moodys.io/sign-in?on_auth_redirect_to=https://live.moodys.io/2023-02-amer-mau20623-mapaeco-cf-credit-outlook-web" class="js-sign-in-modal">
Already got an account?
</a>
</div>
</div>
</div>
<div class="padding-25">
<div class="row">
<div class="col s12">
<div class="js-form-fields">
<div class="sign-up-form-top-copy">
<p>By providing your information, you will also receive emails from Moody’s Corporation and
its<span> </span><a data-saferedirecturl="https://www.google.com/url?q=https://www.moodys.com/Pages/contactus.aspx&source=gmail&ust=1604952615500000&usg=AFQjCNFTk4FWgh6hLv5XZr7dFhnoWy2GdA" href="https://www.moodys.com/Pages/contactus.aspx" target="_blank">affiliates</a><span> </span>regarding
our business, products and
services.<span> </span><a data-saferedirecturl="https://www.google.com/url?q=https://ma.moodysanalytics.com/email-preference-centerdef.html&source=gmail&ust=1604952615500000&usg=AFQjCNHvtgp4yg3Qicd2AfjIuCVRqeZEmA" href="https://ma.moodysanalytics.com/email-preference-centerdef.html" target="_blank">Click here</a><span> </span>if
you prefer not to, and you can update your preferences at any time. See
our<span> </span><a data-saferedirecturl="https://www.google.com/url?q=https://www.moodys.com/privatepolicy.aspx&source=gmail&ust=1604952615500000&usg=AFQjCNEghU7f5rWmHfF7G_93wgg_MZYniQ" href="https://www.moodys.com/privatepolicy.aspx" target="_blank">Privacy Policy</a><span> </span>for
full details.</p>
</div>
</div>
<div class="clearfix"></div>
<div class="js-form-result"></div>
</div>
</div>
<div class="js-form-fields js-sign-up-form-container">
<input name="linkedin_id" type="hidden">
<script>
window.states = {
"US": {
"Alabama": "Alabama",
"Alaska": "Alaska",
"American Samoa": "American Samoa",
"Arizona": "Arizona",
"Arkansas": "Arkansas",
"California": "California",
"Colorado": "Colorado",
"Connecticut": "Connecticut",
"Delaware": "Delaware",
"District of Columbia": "District of Columbia",
"Florida": "Florida",
"Georgia": "Georgia",
"Guam": "Guam",
"Hawaii": "Hawaii",
"Idaho": "Idaho",
"Illinois": "Illinois",
"Indiana": "Indiana",
"Iowa": "Iowa",
"Kansas": "Kansas",
"Kentucky": "Kentucky",
"Louisiana": "Louisiana",
"Maine": "Maine",
"Maryland": "Maryland",
"Massachusetts": "Massachusetts",
"Michigan": "Michigan",
"Minnesota": "Minnesota",
"Mississippi": "Mississippi",
"Missouri": "Missouri",
"Montana": "Montana",
"Nebraska": "Nebraska",
"Nevada": "Nevada",
"New Hampshire": "New Hampshire",
"New Jersey": "New Jersey",
"New Mexico": "New Mexico",
"New York": "New York",
"North Carolina": "North Carolina",
"North Dakota": "North Dakota",
"Northern Mariana Islands": "Northern Mariana Islands",
"Ohio": "Ohio",
"Oklahoma": "Oklahoma",
"Oregon": "Oregon",
"Pennsylvania": "Pennsylvania",
"Puerto Rico": "Puerto Rico",
"Rhode Island": "Rhode Island",
"South Carolina": "South Carolina",
"South Dakota": "South Dakota",
"Tennessee": "Tennessee",
"Texas": "Texas",
"Utah": "Utah",
"Vermont": "Vermont",
"Virgin Islands": "Virgin Islands",
"Virginia": "Virginia",
"Washington": "Washington",
"West Virginia": "West Virginia",
"Wisconsin": "Wisconsin",
"Wyoming": "Wyoming"
},
"CA": {
"Alberta": "Alberta",
"British Columbia": "British Columbia",
"Manitoba": "Manitoba",
"New Brunswick": "New Brunswick",
"Newfoundland and Labrador": "Newfoundland and Labrador",
"Northwest Territories": "Northwest Territories",
"Nova Scotia": "Nova Scotia",
"Nunavut": "Nunavut",
"Ontario": "Ontario",
"Prince Edward Island": "Prince Edward Island",
"Quebec": "Quebec",
"Saskatchewan": "Saskatchewan",
"Yukon": "Yukon"
}
};
</script>
<div class="row">
<div class="input-field col js-field-wrapper--email s12 m6">
<input id="modal-sign-up-email" class="validate" name="email" type="text">
<label for="modal-sign-up-email">Email</label>
</div>
<div class="input-field col s12 m6 pap-select-wrapper--password">
<input id="modal-sign-up-password" class="validate" name="password" type="password" value="">
<label for="modal-sign-up-password">Create Password</label>
</div>
<!-- end form -->
<div class="input-field col js-field-wrapper--first_name s12 m6">
<input id="modal-sign-up-first_name" class="validate" name="first_name" type="text">
<label for="modal-sign-up-first_name">First Name</label>
</div>
<div class="input-field col js-field-wrapper--last_name s12 m6">
<input id="modal-sign-up-last_name" class="validate" name="last_name" type="text">
<label for="modal-sign-up-last_name">Last Name</label>
</div>
<div class="input-field col js-field-wrapper--job_title s12 m6">
<input id="modal-sign-up-job_title" class="validate" name="job_title" type="text">
<label for="modal-sign-up-job_title">Job Title</label>
</div>
<div class="input-field col js-field-wrapper--company s12 m6">
<input id="modal-sign-up-company" class="validate" autocomplete="off" name="company" type="text">
<input type="hidden" name="company_id" class="js-company-id">
<input type="hidden" name="company_name" class="js-company-name">
<label for="modal-sign-up-company">Company</label>
</div>
<div class="input-field col js-field-wrapper--phone s12 m6">
<input id="modal-sign-up-phone" class="validate" name="phone" type="text">
<label for="modal-sign-up-phone">Phone</label>
</div>
<div class="input-field col s12 m6 pap-select-wrapper--country">
<select class="browser-default js-country-field" name="country">
<option value="" selected="selected">Location</option>
<option value="GB">United Kingdom</option>
<option value="US">United States</option>
<option value="AF">Afghanistan</option>
<option value="AX">Aland Islands</option>
<option value="AL">Albania</option>
<option value="DZ">Algeria</option>
<option value="AS">American Samoa</option>
<option value="AD">Andorra</option>
<option value="AO">Angola</option>
<option value="AI">Anguilla</option>
<option value="AQ">Antarctica</option>
<option value="AG">Antigua and Barbuda</option>
<option value="AR">Argentina</option>
<option value="AM">Armenia</option>
<option value="AW">Aruba</option>
<option value="AU">Australia</option>
<option value="AT">Austria</option>
<option value="AZ">Azerbaijan</option>
<option value="BS">Bahamas</option>
<option value="BH">Bahrain</option>
<option value="BD">Bangladesh</option>
<option value="BB">Barbados</option>
<option value="BY">Belarus</option>
<option value="BE">Belgium</option>
<option value="BZ">Belize</option>
<option value="BJ">Benin</option>
<option value="BM">Bermuda</option>
<option value="BT">Bhutan</option>
<option value="BO">Bolivia</option>
<option value="BA">Bosnia and Herzegovina</option>
<option value="BW">Botswana</option>
<option value="BV">Bouvet Island</option>
<option value="BR">Brazil</option>
<option value="IO">British Indian Ocean Territory</option>
<option value="BN">Brunei Darussalam</option>
<option value="BG">Bulgaria</option>
<option value="BF">Burkina Faso</option>
<option value="BI">Burundi</option>
<option value="KH">Cambodia</option>
<option value="CM">Cameroon</option>
<option value="CA">Canada</option>
<option value="IC">Canary Islands</option>
<option value="Channel Islands">Channel Islands</option>
<option value="CV">Cape Verde</option>
<option value="KY">Cayman Islands</option>
<option value="CF">Central African Republic</option>
<option value="TD">Chad</option>
<option value="CL">Chile</option>
<option value="CN">China</option>
<option value="CX">Christmas Island</option>
<option value="CC">Cocos (Keeling) Islands</option>
<option value="CO">Colombia</option>
<option value="KM">Comoros</option>
<option value="CG">Congo</option>
<option value="CD">Congo, The Democratic Republic</option>
<option value="CK">Cook Islands</option>
<option value="CR">Costa Rica</option>
<option value="CI">Cote D'Ivoire</option>
<option value="HR">Croatia</option>
<option value="CU">Cuba</option>
<option value="CW">Curaçao</option>
<option value="CY">Cyprus</option>
<option value="CZ">Czech Republic</option>
<option value="DK">Denmark</option>
<option value="DJ">Djibouti</option>
<option value="DM">Dominica</option>
<option value="DO">Dominican Republic</option>
<option value="EC">Ecuador</option>
<option value="EG">Egypt</option>
<option value="SV">El Salvador</option>
<option value="GQ">Equatorial Guinea</option>
<option value="ER">Eritrea</option>
<option value="EE">Estonia</option>
<option value="ET">Ethiopia</option>
<option value="FK">Falkland Islands (Malvinas)</option>
<option value="FO">Faroe Islands</option>
<option value="FJ">Fiji</option>
<option value="FI">Finland</option>
<option value="FR">France</option>
<option value="GF">French Guiana</option>
<option value="PF">French Polynesia</option>
<option value="TF">French Southern Territories</option>
<option value="GA">Gabon</option>
<option value="GM">Gambia</option>
<option value="GE">Georgia</option>
<option value="DE">Germany</option>
<option value="GH">Ghana</option>
<option value="GI">Gibraltar</option>
<option value="GR">Greece</option>
<option value="GL">Greenland</option>
<option value="GD">Grenada</option>
<option value="GP">Guadeloupe</option>
<option value="GU">Guam</option>
<option value="GT">Guatemala</option>
<option value="GG">Guernsey</option>
<option value="GN">Guinea</option>
<option value="GW">Guinea-Bissau</option>
<option value="GY">Guyana</option>
<option value="HT">Haiti</option>
<option value="HM">Heard and McDonald Islands</option>
<option value="VA">Holy See (Vatican City State)</option>
<option value="HN">Honduras</option>
<option value="HK">Hong Kong SAR, China</option>
<option value="HU">Hungary</option>
<option value="IS">Iceland</option>
<option value="IN">India</option>
<option value="ID">Indonesia</option>
<option value="IR">Iran (Islamic Republic Of)</option>
<option value="IQ">Iraq</option>
<option value="IE">Ireland</option>
<option value="IM">Isle of Man</option>
<option value="IL">Israel</option>
<option value="IT">Italy</option>
<option value="JM">Jamaica</option>
<option value="JP">Japan</option>
<option value="JE">Jersey</option>
<option value="JO">Jordan</option>
<option value="KZ">Kazakhstan</option>
<option value="KE">Kenya</option>
<option value="KI">Kiribati</option>
<option value="KP">Korea, Democratic People's Rep</option>
<option value="KR">Korea, Republic of</option>
<option value="XK">Kosovo</option>
<option value="KW">Kuwait</option>
<option value="KG">Kyrgyzstan</option>
<option value="LA">Lao People's Democratic Rep</option>
<option value="LV">Latvia</option>
<option value="LB">Lebanon</option>
<option value="LS">Lesotho</option>
<option value="LR">Liberia</option>
<option value="LY">Libyan Arab Jamahiriya</option>
<option value="LI">Liechtenstein</option>
<option value="LT">Lithuania</option>
<option value="LU">Luxembourg</option>
<option value="MO">Macau</option>
<option value="MK">fmr yugoslav rep of macedonia</option>
<option value="MG">Madagascar</option>
<option value="MW">Malawi</option>
<option value="MY">Malaysia</option>
<option value="MV">Maldives</option>
<option value="ML">Mali</option>
<option value="MT">Malta</option>
<option value="MH">Marshall Islands</option>
<option value="MQ">Martinique</option>
<option value="MR">Mauritania</option>
<option value="MU">Mauritius</option>
<option value="YT">Mayotte</option>
<option value="MX">Mexico</option>
<option value="FM">Micronesia, Federated States</option>
<option value="MD">Moldova, Republic of</option>
<option value="MC">Monaco</option>
<option value="MN">Mongolia</option>
<option value="ME">Montenegro</option>
<option value="MS">Montserrat</option>
<option value="MA">Morocco</option>
<option value="MZ">Mozambique</option>
<option value="MM">Myanmar</option>
<option value="NA">Namibia</option>
<option value="NR">Nauru</option>
<option value="NP">Nepal</option>
<option value="NL">Netherlands</option>
<option value="AN">Netherlands Antilles</option>
<option value="NC">New Caledonia</option>
<option value="NZ">New Zealand</option>
<option value="NI">Nicaragua</option>
<option value="NE">Niger</option>
<option value="NG">Nigeria</option>
<option value="NU">Niue</option>
<option value="NF">Norfolk Island</option>
<option value="MP">Northern Mariana Islands</option>
<option value="NO">Norway</option>
<option value="OM">Oman</option>
<option value="PK">Pakistan</option>
<option value="PW">Palau</option>
<option value="PS">Occupied Palestinian Territory</option>
<option value="PA">Panama</option>
<option value="PG">Papua New Guinea</option>
<option value="PY">Paraguay</option>
<option value="PE">Peru</option>
<option value="PH">Philippines</option>
<option value="PN">Pitcairn</option>
<option value="PL">Poland</option>
<option value="PT">Portugal</option>
<option value="PR">Puerto Rico</option>
<option value="QA">Qatar</option>
<option value="RE">Reunion</option>
<option value="RO">Romania</option>
<option value="RU">Russian Federation</option>
<option value="RW">Rwanda</option>
<option value="BL">Saint Barthélemy</option>
<option value="SH">Saint Helena</option>
<option value="KN">Saint Kitts and Nevis</option>
<option value="LC">Saint Lucia</option>
<option value="MF">Saint Maarten</option>
<option value="PM">Saint Pierre and Miquelon</option>
<option value="VC">St Vincent and the Grenadines</option>
<option value="WS">Samoa</option>
<option value="SM">San Marino</option>
<option value="ST">Sao Tome and Principe</option>
<option value="SA">Saudi Arabia</option>
<option value="SN">Senegal</option>
<option value="RS">Serbia</option>
<option value="SC">Seychelles</option>
<option value="SL">Sierra Leone</option>
<option value="SG">Singapore</option>
<option value="SK">Slovakia</option>
<option value="SI">Slovenia</option>
<option value="SB">Solomon Islands</option>
<option value="SO">Somalia</option>
<option value="ZA">South Africa</option>
<option value="GS">Sth Georgia & Sth Sandwich Is</option>
<option value="ES">Spain</option>
<option value="LK">Sri Lanka</option>
<option value="SD">Sudan</option>
<option value="SR">Suriname</option>
<option value="SJ">Svalbard and Jan Mayen</option>
<option value="SZ">Swaziland</option>
<option value="SE">Sweden</option>
<option value="CH">Switzerland</option>
<option value="SY">Syrian Arab Republic</option>
<option value="TW">Taiwan, China</option>
<option value="TJ">Tajikistan</option>
<option value="TZ">Tanzania, United Republic of</option>
<option value="TH">Thailand</option>
<option value="TL">East Timor</option>
<option value="TG">Togo</option>
<option value="TK">Tokelau</option>
<option value="TO">Tonga</option>
<option value="TT">Trinidad and Tobago</option>
<option value="TN">Tunisia</option>
<option value="TR">Türkiye</option>
<option value="TM">Turkmenistan</option>
<option value="TC">Turks and Caicos Islands</option>
<option value="TV">Tuvalu</option>
<option value="UG">Uganda</option>
<option value="UA">Ukraine</option>
<option value="AE">United Arab Emirates</option>
<option value="UM">US Minor Outlying Islands</option>
<option value="UY">Uruguay</option>
<option value="UZ">Uzbekistan</option>
<option value="VU">Vanuatu</option>
<option value="VE">Venezuela</option>
<option value="VN">Viet Nam</option>
<option value="VG">Virgin Islands (British)</option>
<option value="VI">Virgin Islands (U.S.)</option>
<option value="WF">Wallis and Futuna Islands</option>
<option value="EH">Western Sahara</option>
<option value="YE">Yemen</option>
<option value="YU">Yugoslavia</option>
<option value="ZR">Zaire</option>
<option value="ZM">Zambia</option>
<option value="ZW">Zimbabwe</option>
</select>
<span class="pap-select-error">Please select an option</span>
</div>
<div class="input-field col s12 m6 pap-select-wrapper--state">
<select class="browser-default js-state-field" data-label="State" name="state" style="display: none;">
<option value="" selected="selected">--------</option>
</select>
<span class="pap-select-error">Please select an option</span>
</div>
<div class="input-field col js-field-wrapper--city s12 m6">
<input id="modal-sign-up-city" class="validate" name="city" type="text">
<label for="modal-sign-up-city">City</label>
</div>
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Moody's Live Account Sign in moodys.com Moody’s Analytics Event Calendar FAQ Contact us MOODY'S ANALYTICS U.S. CONSUMER CREDIT OUTLOOK Please Note: Registration will close 24 hours prior to the start of the live event. Register Wednesday, February 22, 2023 | 2:00 PM EST Register Part of Predictive Analytics in Focus launch share * email * * Contact us moodys.com Moody’s Analytics Event Calendar FAQ -------------------------------------------------------------------------------- * About * live_tv Live Join us on Wednesday, February 22nd for our quarterly update of the consumer credit outlook, where we will discuss the current and anticipated trends in household credit conditions based on data from Equifax. Key Topics and Questions include: * Drivers of consumer spending are shifting rapidly with inflation shifting to services, wealth falling, job growth slowing, and excess spending being spent. * Spending growth will be modest this year, with income growth the key driver. * Auto, credit cards, and personal loans show noticeable deterioration in performance, while residential and student loan debt continues to perform well. Join our panel of Moody’s Analytics experts: Scott Hoyt, Senior Director, David Fieldhouse, Director, and moderator, Donna Kling, Senior Director as they discuss their outlook. The presentation will begin with prepared remarks by Scott and David and then dovetail into a fireside discussion between the presenters and the moderator. We hope you can join us. * Speakers keyboard_arrow_down Scott Hoyt Senior Director - Economic Research Moody's Analytics Bio David Fieldhouse Director - Consumer Credit Analytics Moody's Analytics Bio Register to Watch. 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Agree to its terms by checking the box below: I AGREE TO MOODY'S TERMS OF USE Please accept our terms and conditions Submit Forgotten password? Please enter the email address associated with your Moody's Events account. Email Sign In Submit Scott Hoyt Senior Director - Economic Research Moody's Analytics Scott Hoyt is senior director for Moody’s Analytics, 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. Close David Fieldhouse Director - Consumer Credit Analytics Moody's Analytics 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. Close Our website uses cookies We would like to use our own and third party cookies and similar technologies for statistics and marketing purposes. You can set your preferences by selecting the options below. Withdraw your consent at any time via the shield icon. Learn more about how we use cookies and who sets cookies on our website Necessary cookies help with the basic functionality of our website, e.g. remember if you gave consent to cookies. Analytical cookies make it possible to gather statistics about the use and traffic on our website, so we can make it better. Marketing cookies make it possible to show you more relevant social media content and advertisements on our website and other platforms. Accept necessaryAccept all