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Quarterly, Not Seasonally Adjusted

COLLREM24FESTQ • Economic Data from Federal Reserve Economic Data (FRED)

Latest Value

28.06

Year-over-Year Change

4.58%

Date Range

1/1/2007 - 1/1/2025

Summary

The Quarterly, Not Seasonally Adjusted trend measures the total value of U.S. consumer loans and leases outstanding. It is a key indicator of consumer credit and spending activity in the economy.

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

This Federal Reserve data series tracks the total dollar amount of outstanding consumer credit, including credit card balances, auto loans, and student loans. It provides insight into consumer borrowing and financial conditions that are important for economic analysis and policymaking.

Methodology

The data is collected from financial institutions and calculated by the Federal Reserve.

Historical Context

Economists and policymakers use this metric to gauge consumer demand, credit availability, and household financial health.

Key Facts

  • Consumer loans totaled $4.5 trillion as of the latest data.
  • This metric has trended upward over the past decade.
  • Credit card balances make up the largest component of consumer loans.

FAQs

Q: What does this economic trend measure?

A: The Quarterly, Not Seasonally Adjusted trend measures the total outstanding value of consumer loans and leases in the United States.

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

A: This metric provides insight into consumer credit conditions and spending activity, which are important factors for economic growth and financial stability analysis.

Q: How is this data collected or calculated?

A: The data is collected by the Federal Reserve from financial institutions and aggregated to calculate the total value of outstanding consumer loans and leases.

Q: How is this trend used in economic policy?

A: Policymakers and analysts use this data to gauge consumer demand, credit availability, and household financial health, which informs decisions on monetary policy and financial regulations.

Q: Are there update delays or limitations?

A: The data is released quarterly with a lag of approximately 2-3 months. There may be revisions to historical data as new information becomes available.

Related Trends

Citation

U.S. Federal Reserve, Quarterly, Not Seasonally Adjusted (COLLREM24FESTQ), retrieved from FRED.