Transactional Records Access Clearinghouse: “The latest available data from the federal courts show that during September 2012 the government reported 723 new consumer credit civil filings, according to the case-by-case information analyzed by the Transactional Records Access Clearinghouse (TRAC). This number is down 8.8 percent over the previous month, when the number of civil filings of this type totaled 793. This year marks a drop in the volume of consumer credit suits after a period of steady increase since the start of the financial crisis. Consumer credit suits, which had averaged 268 per month during FY 2007, tripled to 819 during FY 2011. But for FY 2012, these filings are down 5.6 percent from the level seen in FY 2011. The full report, including a list of those districts in which lawsuits of this kind were filed with the greatest rates relative to population.”