According to @DowdEdward, Bitcoin is rolling over as he flags 10 macro headwinds for risk assets: AI bubble worries, housing and commercial real estate weakness, China slowing, the Federal Reserve being behind the curve, private credit turmoil, rising consumer delinquencies, accelerating corporate layoffs, a Fed meeting with banks about money market tightening, and BOJ carry trade pressures, source: @DowdEdward on X, Nov 18, 2025. He presents these risks alongside Bitcoin’s weakness, signaling a cautious tone for BTC and broader crypto markets, source: @DowdEdward on X, Nov 18, 2025.

According to @StockMarketNerd, JPM CFO Jeremy Barnum said U.S. consumers remain resilient with strong spending and delinquencies below expectations, indicating no surprise weakness in JPM’s consumer credit this week (source: JPM CFO Jeremy Barnum via @StockMarketNerd, Oct 15, 2025). BAC CFO Alastair Borthwick stated asset quality remains sound and near-term total net charge-offs are not expected to change much given steady consumer delinquencies and reduced CRE exposures, while criticized and NPL metrics in the commercial book declined (source: BAC CFO Alastair Borthwick via @StockMarketNerd, Oct 15, 2025). Citigroup CEO Jane Fraser said the macro backdrop is more resilient than anticipated with the U.S. leading on consistent consumer spending and tech investment, and CFO Mark Mason noted U.S. cards delinquencies and NCOs are in line with expectations (source: C CEO Jane Fraser and CFO Mark Mason via @StockMarketNerd, Oct 15, 2025). WFC CFO Mike Santomassimo reported credit performance remained strong and continued to improve, with commercial NCOs stable versus Q2 as lower C&I losses were offset by higher CRE losses, and consumers remained resilient as income growth kept pace with inflation and debt levels (source: WFC CFO Mike Santomassimo via @StockMarketNerd, Oct 15, 2025). Collectively, these updates describe resilient consumer credit, stable or improving NCOs, and contained criticized/NPL levels across major U.S. banks this week—a calmer credit backdrop that crypto traders often track when assessing risk in BTC and ETH (source: @StockMarketNerd compilation of big-bank credit commentary, Oct 15, 2025).

According to The Kobeissi Letter, US auto repossessions have increased by 16% in 2024, reaching 1.73 million, the highest since 2009. Over the past three years, vehicle seizures surged by 600,000 or 53%. This trend correlates with a sharp rise in consumer auto delinquencies, impacting the auto loan market significantly.