Consumer demand for car, home and other loans will rise in the next six months, say 61% of risk managers in a fourth-quarter survey sponsored by Fico. That's up from 48% who predicted an increase three months earlier. "With both the job market and real estate sector showing signs of life, American consumers may be willing to fund their lifestyles by taking on more debt. And it appears that banks are willing to oblige," said Andrew Jennings, Fico's chief analytics officer.

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