Beware charts showing only the last bit of this chart that suggest consumer lending is accelerating.

I suggest you go back at least 5 years with any charts to put them in perspective, all of which looks to me like there is no ‘acceleration’, at least not yet. And corporate bond issuance and, recently, which may be contributing to some loan growth:

Consumer loans, all commercial banks:

Commercial and Industrial loans, All commercial banks, % change from a year ago: