Total Consumer Credit Securitized by Depository Institutions
DTCNLHDNM • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
14,461.79
Year-over-Year Change
-4.26%
Date Range
1/1/1989 - 6/1/2025
Summary
This economic indicator tracks the total value of consumer credit that has been securitized by depository institutions in the United States. It provides critical insight into lending practices, credit market dynamics, and the overall financial health of consumer credit markets.
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 trend represents the aggregate volume of consumer loans that have been packaged and sold as securities by banks and other depository institutions. Economists use this metric to assess credit market liquidity, risk transfer mechanisms, and potential shifts in lending strategies.
Methodology
Data is collected through regulatory reporting requirements from financial institutions and aggregated by the Federal Reserve using standardized measurement protocols.
Historical Context
This indicator is used by policymakers, investors, and financial analysts to understand credit market trends, assess economic risk, and inform monetary policy decisions.
Key Facts
- Represents the total value of consumer loans transformed into tradable securities
- Indicates the extent of credit market liquidity and risk management strategies
- Reflects banks' approaches to managing and distributing consumer credit risk
FAQs
Q: What does consumer credit securitization mean?
A: Securitization is the process of packaging individual loans into standardized financial instruments that can be bought and sold in financial markets.
Q: Why do banks securitize consumer credit?
A: Banks securitize loans to transfer risk, generate immediate liquidity, and create new investment products for financial markets.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data series on a quarterly or monthly basis, depending on reporting cycles.
Q: What types of consumer credit are typically securitized?
A: Common securitized consumer credits include auto loans, credit card receivables, and personal installment loans.
Q: How does securitization impact consumers?
A: Securitization can potentially lower borrowing costs and increase credit availability by creating more efficient lending markets.
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Related Trends
Nonrevolving Consumer Credit Owned and Securitized by Nonfinancial Business, Flow
DTCTLNHNXDFBANM
Revolving Consumer Credit Owned by Credit Unions
REVOLNCU
Nonrevolving Consumer Credit Securitized by Nonfinancial Business, Flow
DTCNLNHNXDFBANM
Nonrevolving Securitized Consumer Credit
NREVNSEC
Nonrevolving Consumer Credit Owned and Securitized
NONREVSL
Total Consumer Credit Owned and Securitized by Finance Companies
DTCTLHFNM
Citation
U.S. Federal Reserve, Total Consumer Credit Securitized by Depository Institutions [DTCNLHDNM], retrieved from FRED.
Last Checked: 8/1/2025