Total Consumer Credit Securitized by Depository Institutions, Flow
DTCNLHDXDFBANM • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.00
Year-over-Year Change
-100.00%
Date Range
2/1/1989 - 6/1/2025
Summary
This economic indicator tracks the flow of consumer credit securitized by depository institutions in the United States. It provides critical insight into consumer lending patterns and financial market dynamics.
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 metric represents the net change in consumer credit that has been packaged and sold as securities by banks and other depository institutions. Economists use this trend to understand credit market liquidity, consumer borrowing behavior, and potential financial system risks.
Methodology
Data is collected through regulatory reporting requirements from financial institutions and aggregated by the Federal Reserve.
Historical Context
This indicator is used by policymakers, investors, and financial analysts to assess credit market health and potential economic trends.
Key Facts
- Measures net new consumer credit securitized by banks
- Reflects broader trends in consumer lending and financial market liquidity
- Provides insights into potential economic expansion or contraction
FAQs
Q: What does consumer credit securitization mean?
A: Consumer credit securitization is the process of packaging consumer loans into tradable financial securities that can be sold to investors.
Q: Why is this trend important for investors?
A: It indicates the volume of consumer credit being transformed into marketable securities, which can signal lending market health and potential investment opportunities.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data on a quarterly or monthly basis, depending on reporting cycles.
Q: What can changes in this trend indicate?
A: Significant changes can suggest shifts in consumer borrowing, bank lending strategies, or broader economic conditions.
Q: Are there limitations to this data?
A: The metric only captures securitized credit and may not represent the entire consumer credit landscape, so it should be analyzed alongside other economic indicators.
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Related Trends
Revolving Consumer Credit Owned by Nonfinancial Business, Flow
FLREVOLNNFC
Percent Change of Total Nonrevolving Consumer Credit
NONREVSLAR
Nonrevolving Consumer Credit Owned by Credit Unions
NREVNCU
Revolving Consumer Credit Owned by Finance Companies
REVOLNFC
Nonrevolving Consumer Credit Securitized by Finance Companies
DTCNLNHFNM
Total Consumer Credit Owned by Federal Government
TOTALGOV
Citation
U.S. Federal Reserve, Total Consumer Credit Securitized by Depository Institutions, Flow [DTCNLHDXDFBANM], retrieved from FRED.
Last Checked: 8/1/2025