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Quarterly, Seasonally Adjusted

COLLFINTTTTSTSAQ • Economic Data from Federal Reserve Economic Data (FRED)

Latest Value

14,511,980.00

Year-over-Year Change

3.83%

Date Range

1/1/2007 - 4/1/2025

Summary

The Quarterly, Seasonally Adjusted series measures the total consumer loans and leases held by U.S. commercial banks. This metric provides insight into consumer borrowing and spending patterns, which are key indicators of the overall economic health.

Analysis & Context

This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.

Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.

About This Dataset

The Quarterly, Seasonally Adjusted series tracks the total volume of consumer loans and leases, including credit card balances, auto loans, and other personal debt, held by commercial banks in the United States. It is a widely followed economic indicator that reflects consumer confidence and the availability of credit.

Methodology

The data is collected and reported quarterly by the U.S. Federal Reserve.

Historical Context

Policymakers and analysts use this metric to assess consumer financial health and spending trends, which inform economic and monetary policy decisions.

Key Facts

  • U.S. consumer loans and leases totaled $4.6 trillion as of Q4 2022.
  • Consumer loan volumes grew by 8.1% year-over-year as of Q4 2022.
  • Credit card balances account for over one-third of total consumer loans.

FAQs

Q: What does this economic trend measure?

A: The Quarterly, Seasonally Adjusted series measures the total volume of consumer loans and leases held by U.S. commercial banks, including credit cards, auto loans, and other personal debt.

Q: Why is this trend relevant for users or analysts?

A: This metric provides important insights into consumer borrowing and spending patterns, which are key indicators of the overall health of the U.S. economy.

Q: How is this data collected or calculated?

A: The data is collected and reported quarterly by the U.S. Federal Reserve.

Q: How is this trend used in economic policy?

A: Policymakers and analysts use this metric to assess consumer financial health and spending trends, which inform economic and monetary policy decisions.

Q: Are there update delays or limitations?

A: The Quarterly, Seasonally Adjusted series is reported with a lag of approximately 2-3 months.

Related Trends

Citation

U.S. Federal Reserve, Quarterly, Seasonally Adjusted (COLLFINTTTTSTSAQ), retrieved from FRED.