Household debt in the context of "Consumer leverage ratio"

The consumer leverage ratio (CLR) is the ratio of total household debt to disposable personal income. In the United States these are reported, respectively, by the Federal Reserve (as the household debt service ratio (DSR)) and the Bureau of Economic Analysis of the US Department of Commerce.

${\displaystyle {\mbox{Consumer leverage ratio}}={{\mbox{Total household debt}} \over {\mbox{Disposable personal income}}}}$