bank of america institute

Consumer Checkpoint

Consumer Checkpoint aims to provide a holistic and real-time look at U.S. consumers' spending and financial well-being. A regular publication of Bank of America Institute, it leverages the depth and breadth of the bank's proprietary data to produce original perspectives.

Close up to a hand holding a mobile phone and credit card.
october 2025

Consumer Checkpoint: The tale of two wallets

Consumer spending has risen, but the gap between lower- and higher-income households remains pronounced.

Consumer Checkpoint archive

Review our analyses from prior months.

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