Confidence surveys suggest consumer borrowing might be stabilizing as the economy shows signs of recovery, but it remains unlikely to increase in the short run, according to a Moody's Analytics conference call on the outlook for consumer finance.

“According to confidence surveys…consumers aren't yet ready to do much more” in terms of borrowing or saving, said Cristian deRitis, a director at Moody's Analytics who also has worked for Fannie Mae.

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