<?xml version="1.0" encoding="UTF-8"?>
<data>
<terms url="https://www.bankofcanada.ca/terms/"></terms>
<groupDetail>
    <label>Chart 6: Financial stress has largely stabilized for both mortgage holders and non-mortgage holders</label>
    <description><![CDATA[Share of borrowers in arrears by 60 days or more on at least one credit product, seasonally adjusted, monthly data

Note: To protect the privacy of Canadians, TransUnion did not provide any personal information to the Bank of Canada. The TransUnion dataset was anonymized, meaning it does not include information that identifies individual Canadians, such as names, social insurance numbers or addresses.

Sources: TransUnion and Bank of Canada calculations]]></description>
    <link>https://www.bankofcanada.ca/?p=253365</link>
</groupDetail>
<seriesDetail>
<series id="FSR_2026_C6_S1">
<label>Mortgage holders</label>
<description>Mortgage holders</description>
<dimension key="d" name="Date"/>
</series>
<series id="FSR_2026_C6_S2">
<label>Non-mortgage holders</label>
<description>Non-mortgage holders</description>
<dimension key="d" name="Date"/>
</series>
</seriesDetail>
<observations>
<o d="2015-01-01"><v s="FSR_2026_C6_S1">1.73</v><v s="FSR_2026_C6_S2">2.16</v></o>
<o d="2015-02-01"><v s="FSR_2026_C6_S1">1.71</v><v s="FSR_2026_C6_S2">1.99</v></o>
<o d="2015-03-01"><v s="FSR_2026_C6_S1">1.71</v><v s="FSR_2026_C6_S2">1.99</v></o>
<o d="2015-04-01"><v s="FSR_2026_C6_S1">1.73</v><v s="FSR_2026_C6_S2">2.04</v></o>
<o d="2015-05-01"><v s="FSR_2026_C6_S1">1.71</v><v s="FSR_2026_C6_S2">1.99</v></o>
<o d="2015-06-01"><v s="FSR_2026_C6_S1">1.70</v><v s="FSR_2026_C6_S2">2.02</v></o>
<o d="2015-07-01"><v s="FSR_2026_C6_S1">1.67</v><v s="FSR_2026_C6_S2">2.02</v></o>
<o d="2015-08-01"><v s="FSR_2026_C6_S1">1.66</v><v s="FSR_2026_C6_S2">2.03</v></o>
<o d="2015-09-01"><v s="FSR_2026_C6_S1">1.66</v><v s="FSR_2026_C6_S2">2.07</v></o>
<o d="2015-10-01"><v s="FSR_2026_C6_S1">1.62</v><v s="FSR_2026_C6_S2">1.92</v></o>
<o d="2015-11-01"><v s="FSR_2026_C6_S1">1.62</v><v s="FSR_2026_C6_S2">1.92</v></o>
<o d="2015-12-01"><v s="FSR_2026_C6_S1">1.61</v><v s="FSR_2026_C6_S2">1.93</v></o>
<o d="2016-01-01"><v s="FSR_2026_C6_S1">1.63</v><v s="FSR_2026_C6_S2">1.96</v></o>
<o d="2016-02-01"><v s="FSR_2026_C6_S1">1.69</v><v s="FSR_2026_C6_S2">2.05</v></o>
<o d="2016-03-01"><v s="FSR_2026_C6_S1">1.65</v><v s="FSR_2026_C6_S2">2.04</v></o>
<o d="2016-04-01"><v s="FSR_2026_C6_S1">1.65</v><v s="FSR_2026_C6_S2">2.06</v></o>
<o d="2016-05-01"><v s="FSR_2026_C6_S1">1.65</v><v s="FSR_2026_C6_S2">2.08</v></o>
<o d="2016-06-01"><v s="FSR_2026_C6_S1">1.64</v><v s="FSR_2026_C6_S2">2.07</v></o>
<o d="2016-07-01"><v s="FSR_2026_C6_S1">1.64</v><v s="FSR_2026_C6_S2">2.04</v></o>
<o d="2016-08-01"><v s="FSR_2026_C6_S1">1.65</v><v s="FSR_2026_C6_S2">2.08</v></o>
<o d="2016-09-01"><v s="FSR_2026_C6_S1">1.63</v><v s="FSR_2026_C6_S2">2.06</v></o>
<o d="2016-10-01"><v s="FSR_2026_C6_S1">1.64</v><v s="FSR_2026_C6_S2">2.08</v></o>
<o d="2016-11-01"><v s="FSR_2026_C6_S1">1.65</v><v s="FSR_2026_C6_S2">2.10</v></o>
<o d="2016-12-01"><v s="FSR_2026_C6_S1">1.66</v><v s="FSR_2026_C6_S2">2.10</v></o>
<o d="2017-01-01"><v s="FSR_2026_C6_S1">1.65</v><v s="FSR_2026_C6_S2">2.12</v></o>
<o d="2017-02-01"><v s="FSR_2026_C6_S1">1.64</v><v s="FSR_2026_C6_S2">2.11</v></o>
<o d="2017-03-01"><v s="FSR_2026_C6_S1">1.62</v><v s="FSR_2026_C6_S2">2.10</v></o>
<o d="2017-04-01"><v s="FSR_2026_C6_S1">1.62</v><v s="FSR_2026_C6_S2">2.11</v></o>
<o d="2017-05-01"><v s="FSR_2026_C6_S1">1.59</v><v s="FSR_2026_C6_S2">2.12</v></o>
<o d="2017-06-01"><v s="FSR_2026_C6_S1">1.58</v><v s="FSR_2026_C6_S2">2.12</v></o>
<o d="2017-07-01"><v s="FSR_2026_C6_S1">1.59</v><v s="FSR_2026_C6_S2">2.12</v></o>
<o d="2017-08-01"><v s="FSR_2026_C6_S1">1.59</v><v s="FSR_2026_C6_S2">2.13</v></o>
<o d="2017-09-01"><v s="FSR_2026_C6_S1">1.59</v><v s="FSR_2026_C6_S2">2.13</v></o>
<o d="2017-10-01"><v s="FSR_2026_C6_S1">1.60</v><v s="FSR_2026_C6_S2">2.19</v></o>
<o d="2017-11-01"><v s="FSR_2026_C6_S1">1.63</v><v s="FSR_2026_C6_S2">2.26</v></o>
<o d="2017-12-01"><v s="FSR_2026_C6_S1">1.60</v><v s="FSR_2026_C6_S2">2.20</v></o>
<o d="2018-01-01"><v s="FSR_2026_C6_S1">1.56</v><v s="FSR_2026_C6_S2">2.16</v></o>
<o d="2018-02-01"><v s="FSR_2026_C6_S1">1.54</v><v s="FSR_2026_C6_S2">2.16</v></o>
<o d="2018-03-01"><v s="FSR_2026_C6_S1">1.53</v><v s="FSR_2026_C6_S2">2.17</v></o>
<o d="2018-04-01"><v s="FSR_2026_C6_S1">1.50</v><v s="FSR_2026_C6_S2">2.17</v></o>
<o d="2018-05-01"><v s="FSR_2026_C6_S1">1.49</v><v s="FSR_2026_C6_S2">2.19</v></o>
<o d="2018-06-01"><v s="FSR_2026_C6_S1">1.50</v><v s="FSR_2026_C6_S2">2.19</v></o>
<o d="2018-07-01"><v s="FSR_2026_C6_S1">1.50</v><v s="FSR_2026_C6_S2">2.20</v></o>
<o d="2018-08-01"><v s="FSR_2026_C6_S1">1.50</v><v s="FSR_2026_C6_S2">2.20</v></o>
<o d="2018-09-01"><v s="FSR_2026_C6_S1">1.50</v><v s="FSR_2026_C6_S2">2.20</v></o>
<o d="2018-10-01"><v s="FSR_2026_C6_S1">1.49</v><v s="FSR_2026_C6_S2">2.19</v></o>
<o d="2018-11-01"><v s="FSR_2026_C6_S1">1.49</v><v s="FSR_2026_C6_S2">2.19</v></o>
<o d="2018-12-01"><v s="FSR_2026_C6_S1">1.48</v><v s="FSR_2026_C6_S2">2.18</v></o>
<o d="2019-01-01"><v s="FSR_2026_C6_S1">1.49</v><v s="FSR_2026_C6_S2">2.22</v></o>
<o d="2019-02-01"><v s="FSR_2026_C6_S1">1.49</v><v s="FSR_2026_C6_S2">2.22</v></o>
<o d="2019-03-01"><v s="FSR_2026_C6_S1">1.47</v><v s="FSR_2026_C6_S2">2.22</v></o>
<o d="2019-04-01"><v s="FSR_2026_C6_S1">1.50</v><v s="FSR_2026_C6_S2">2.42</v></o>
<o d="2019-05-01"><v s="FSR_2026_C6_S1">1.50</v><v s="FSR_2026_C6_S2">2.46</v></o>
<o d="2019-06-01"><v s="FSR_2026_C6_S1">1.57</v><v s="FSR_2026_C6_S2">2.57</v></o>
<o d="2019-07-01"><v s="FSR_2026_C6_S1">1.50</v><v s="FSR_2026_C6_S2">2.29</v></o>
<o d="2019-08-01"><v s="FSR_2026_C6_S1">1.42</v><v s="FSR_2026_C6_S2">2.14</v></o>
<o d="2019-09-01"><v s="FSR_2026_C6_S1">1.46</v><v s="FSR_2026_C6_S2">2.16</v></o>
<o d="2019-10-01"><v s="FSR_2026_C6_S1">1.48</v><v s="FSR_2026_C6_S2">2.16</v></o>
<o d="2019-11-01"><v s="FSR_2026_C6_S1">1.47</v><v s="FSR_2026_C6_S2">2.17</v></o>
<o d="2019-12-01"><v s="FSR_2026_C6_S1">1.44</v><v s="FSR_2026_C6_S2">2.21</v></o>
<o d="2020-01-01"><v s="FSR_2026_C6_S1">1.42</v><v s="FSR_2026_C6_S2">2.21</v></o>
<o d="2020-02-01"><v s="FSR_2026_C6_S1">1.43</v><v s="FSR_2026_C6_S2">2.24</v></o>
<o d="2020-03-01"><v s="FSR_2026_C6_S1">1.38</v><v s="FSR_2026_C6_S2">2.14</v></o>
<o d="2020-04-01"><v s="FSR_2026_C6_S1">1.48</v><v s="FSR_2026_C6_S2">2.31</v></o>
<o d="2020-05-01"><v s="FSR_2026_C6_S1">1.49</v><v s="FSR_2026_C6_S2">2.31</v></o>
<o d="2020-06-01"><v s="FSR_2026_C6_S1">1.48</v><v s="FSR_2026_C6_S2">2.18</v></o>
<o d="2020-07-15"><v s="FSR_2026_C6_S1">1.34</v><v s="FSR_2026_C6_S2">1.87</v></o>
<o d="2020-08-15"><v s="FSR_2026_C6_S1">1.26</v><v s="FSR_2026_C6_S2">1.75</v></o>
<o d="2020-09-15"><v s="FSR_2026_C6_S1">1.19</v><v s="FSR_2026_C6_S2">1.65</v></o>
<o d="2020-10-15"><v s="FSR_2026_C6_S1">1.13</v><v s="FSR_2026_C6_S2">1.59</v></o>
<o d="2020-11-15"><v s="FSR_2026_C6_S1">1.12</v><v s="FSR_2026_C6_S2">1.65</v></o>
<o d="2020-12-15"><v s="FSR_2026_C6_S1">1.11</v><v s="FSR_2026_C6_S2">1.67</v></o>
<o d="2021-01-15"><v s="FSR_2026_C6_S1">1.10</v><v s="FSR_2026_C6_S2">1.70</v></o>
<o d="2021-02-15"><v s="FSR_2026_C6_S1">1.05</v><v s="FSR_2026_C6_S2">1.65</v></o>
<o d="2021-03-15"><v s="FSR_2026_C6_S1">1.01</v><v s="FSR_2026_C6_S2">1.62</v></o>
<o d="2021-04-15"><v s="FSR_2026_C6_S1">0.96</v><v s="FSR_2026_C6_S2">1.58</v></o>
<o d="2021-05-15"><v s="FSR_2026_C6_S1">0.95</v><v s="FSR_2026_C6_S2">1.61</v></o>
<o d="2021-06-15"><v s="FSR_2026_C6_S1">0.92</v><v s="FSR_2026_C6_S2">1.59</v></o>
<o d="2021-07-15"><v s="FSR_2026_C6_S1">0.90</v><v s="FSR_2026_C6_S2">1.58</v></o>
<o d="2021-08-15"><v s="FSR_2026_C6_S1">0.90</v><v s="FSR_2026_C6_S2">1.60</v></o>
<o d="2021-09-15"><v s="FSR_2026_C6_S1">0.91</v><v s="FSR_2026_C6_S2">1.61</v></o>
<o d="2021-10-15"><v s="FSR_2026_C6_S1">0.89</v><v s="FSR_2026_C6_S2">1.63</v></o>
<o d="2021-11-15"><v s="FSR_2026_C6_S1">0.88</v><v s="FSR_2026_C6_S2">1.64</v></o>
<o d="2021-12-15"><v s="FSR_2026_C6_S1">0.88</v><v s="FSR_2026_C6_S2">1.66</v></o>
<o d="2022-01-15"><v s="FSR_2026_C6_S1">0.88</v><v s="FSR_2026_C6_S2">1.70</v></o>
<o d="2022-02-15"><v s="FSR_2026_C6_S1">0.90</v><v s="FSR_2026_C6_S2">1.78</v></o>
<o d="2022-03-15"><v s="FSR_2026_C6_S1">0.89</v><v s="FSR_2026_C6_S2">1.82</v></o>
<o d="2022-04-15"><v s="FSR_2026_C6_S1">0.88</v><v s="FSR_2026_C6_S2">1.83</v></o>
<o d="2022-05-15"><v s="FSR_2026_C6_S1">0.87</v><v s="FSR_2026_C6_S2">1.82</v></o>
<o d="2022-06-15"><v s="FSR_2026_C6_S1">0.89</v><v s="FSR_2026_C6_S2">1.86</v></o>
<o d="2022-07-15"><v s="FSR_2026_C6_S1">0.92</v><v s="FSR_2026_C6_S2">1.90</v></o>
<o d="2022-08-15"><v s="FSR_2026_C6_S1">0.92</v><v s="FSR_2026_C6_S2">1.93</v></o>
<o d="2022-09-15"><v s="FSR_2026_C6_S1">0.93</v><v s="FSR_2026_C6_S2">1.96</v></o>
<o d="2022-10-15"><v s="FSR_2026_C6_S1">0.94</v><v s="FSR_2026_C6_S2">1.99</v></o>
<o d="2022-11-15"><v s="FSR_2026_C6_S1">0.95</v><v s="FSR_2026_C6_S2">2.00</v></o>
<o d="2022-12-15"><v s="FSR_2026_C6_S1">0.96</v><v s="FSR_2026_C6_S2">2.00</v></o>
<o d="2023-01-15"><v s="FSR_2026_C6_S1">0.95</v><v s="FSR_2026_C6_S2">1.99</v></o>
<o d="2023-02-15"><v s="FSR_2026_C6_S1">0.96</v><v s="FSR_2026_C6_S2">1.99</v></o>
<o d="2023-03-15"><v s="FSR_2026_C6_S1">0.97</v><v s="FSR_2026_C6_S2">2.02</v></o>
<o d="2023-04-15"><v s="FSR_2026_C6_S1">0.98</v><v s="FSR_2026_C6_S2">2.03</v></o>
<o d="2023-05-15"><v s="FSR_2026_C6_S1">0.98</v><v s="FSR_2026_C6_S2">2.05</v></o>
<o d="2023-06-15"><v s="FSR_2026_C6_S1">0.99</v><v s="FSR_2026_C6_S2">2.08</v></o>
<o d="2023-07-15"><v s="FSR_2026_C6_S1">1.01</v><v s="FSR_2026_C6_S2">2.13</v></o>
<o d="2023-08-15"><v s="FSR_2026_C6_S1">1.02</v><v s="FSR_2026_C6_S2">2.13</v></o>
<o d="2023-09-15"><v s="FSR_2026_C6_S1">1.04</v><v s="FSR_2026_C6_S2">2.14</v></o>
<o d="2023-10-15"><v s="FSR_2026_C6_S1">1.04</v><v s="FSR_2026_C6_S2">2.14</v></o>
<o d="2023-11-15"><v s="FSR_2026_C6_S1">1.06</v><v s="FSR_2026_C6_S2">2.17</v></o>
<o d="2023-12-15"><v s="FSR_2026_C6_S1">1.07</v><v s="FSR_2026_C6_S2">2.19</v></o>
<o d="2024-01-15"><v s="FSR_2026_C6_S1">1.09</v><v s="FSR_2026_C6_S2">2.23</v></o>
<o d="2024-02-15"><v s="FSR_2026_C6_S1">1.11</v><v s="FSR_2026_C6_S2">2.24</v></o>
<o d="2024-03-15"><v s="FSR_2026_C6_S1">1.12</v><v s="FSR_2026_C6_S2">2.25</v></o>
<o d="2024-04-15"><v s="FSR_2026_C6_S1">1.13</v><v s="FSR_2026_C6_S2">2.25</v></o>
<o d="2024-05-15"><v s="FSR_2026_C6_S1">1.14</v><v s="FSR_2026_C6_S2">2.29</v></o>
<o d="2024-06-15"><v s="FSR_2026_C6_S1">1.17</v><v s="FSR_2026_C6_S2">2.34</v></o>
<o d="2024-07-15"><v s="FSR_2026_C6_S1">1.17</v><v s="FSR_2026_C6_S2">2.34</v></o>
<o d="2024-08-15"><v s="FSR_2026_C6_S1">1.17</v><v s="FSR_2026_C6_S2">2.35</v></o>
<o d="2024-09-15"><v s="FSR_2026_C6_S1">1.19</v><v s="FSR_2026_C6_S2">2.39</v></o>
<o d="2024-10-15"><v s="FSR_2026_C6_S1">1.19</v><v s="FSR_2026_C6_S2">2.40</v></o>
<o d="2024-11-15"><v s="FSR_2026_C6_S1">1.19</v><v s="FSR_2026_C6_S2">2.42</v></o>
<o d="2024-12-15"><v s="FSR_2026_C6_S1">1.17</v><v s="FSR_2026_C6_S2">2.38</v></o>
<o d="2025-01-15"><v s="FSR_2026_C6_S1">1.22</v><v s="FSR_2026_C6_S2">2.44</v></o>
<o d="2025-02-15"><v s="FSR_2026_C6_S1">1.24</v><v s="FSR_2026_C6_S2">2.47</v></o>
<o d="2025-03-15"><v s="FSR_2026_C6_S1">1.23</v><v s="FSR_2026_C6_S2">2.48</v></o>
<o d="2025-04-15"><v s="FSR_2026_C6_S1">1.22</v><v s="FSR_2026_C6_S2">2.46</v></o>
<o d="2025-05-15"><v s="FSR_2026_C6_S1">1.22</v><v s="FSR_2026_C6_S2">2.47</v></o>
<o d="2025-06-15"><v s="FSR_2026_C6_S1">1.21</v><v s="FSR_2026_C6_S2">2.44</v></o>
<o d="2025-07-15"><v s="FSR_2026_C6_S1">1.21</v><v s="FSR_2026_C6_S2">2.43</v></o>
<o d="2025-08-15"><v s="FSR_2026_C6_S1">1.22</v><v s="FSR_2026_C6_S2">2.45</v></o>
<o d="2025-09-15"><v s="FSR_2026_C6_S1">1.22</v><v s="FSR_2026_C6_S2">2.43</v></o>
<o d="2025-10-15"><v s="FSR_2026_C6_S1">1.24</v><v s="FSR_2026_C6_S2">2.47</v></o>
<o d="2025-11-15"><v s="FSR_2026_C6_S1">1.25</v><v s="FSR_2026_C6_S2">2.47</v></o>
<o d="2025-12-15"><v s="FSR_2026_C6_S1">1.25</v><v s="FSR_2026_C6_S2">2.49</v></o>
<o d="2026-01-15"><v s="FSR_2026_C6_S1">1.25</v><v s="FSR_2026_C6_S2">2.50</v></o>
<o d="2026-02-15"><v s="FSR_2026_C6_S1">1.24</v><v s="FSR_2026_C6_S2">2.48</v></o>
<o d="2026-03-15"><v s="FSR_2026_C6_S1">1.25</v><v s="FSR_2026_C6_S2">2.48</v></o>
<o d="2026-04-15"><v s="FSR_2026_C6_S1">1.27</v><v s="FSR_2026_C6_S2">2.54</v></o>
</observations>
</data>