Risk is again emerging as a concern in the consumer credit sector as the economic recovery moves into its fifth year, according to FICO's latest quarterly survey of U.S. and Canadian bank risk professionals.

The survey revealed that 44% of respondents believe delinquencies on credit cards will increase in the next six months, while 35% said delinquencies on car loans will rise. Forty-three percent expect the total number of delinquencies on all consumer loans will increase. Expectations for delinquencies for all three categories are at their highest levels since Q4 2011.

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