Total Consumer Credit Securitized by Finance Companies
DTCNLHFNM • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.00
Year-over-Year Change
N/A%
Date Range
1/1/1989 - 6/1/2025
Summary
This economic indicator tracks the total amount of consumer credit that has been securitized by finance companies in the United States. It provides insight into consumer lending practices and the financial sector's approach to packaging and selling consumer debt.
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 value of consumer loans that have been transformed into tradable securities by finance companies, which allows these institutions to manage risk and generate additional liquidity. Economists use this metric to understand credit market dynamics and potential shifts in consumer borrowing and lending strategies.
Methodology
Data is collected and compiled by the Federal Reserve through comprehensive financial reporting from finance companies and securities market tracking.
Historical Context
This indicator is used in macroeconomic analysis to assess credit market health, consumer financial behavior, and potential economic risk indicators.
Key Facts
- Represents the total value of consumer loans converted into securities
- Indicates financial sector's risk management and liquidity strategies
- Provides insights into consumer borrowing trends
FAQs
Q: What does consumer credit securitization mean?
A: Consumer credit securitization is the process of pooling various consumer loans and transforming them into tradable financial securities that can be sold to investors.
Q: Why do finance companies securitize consumer credit?
A: Finance companies securitize consumer credit to manage risk, generate additional liquidity, and create new investment products for financial markets.
Q: How is the DTCNLHFNM data collected?
A: The data is collected through mandatory financial reporting by finance companies to regulatory bodies like the Federal Reserve.
Q: What does this trend tell economists?
A: This trend provides insights into consumer lending practices, credit market health, and potential economic risk indicators.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of consumer credit securitization trends.
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Related Trends
Total Securitized Consumer Credit
TOTALSEC
Revolving Consumer Credit Securitized by Finance Companies
G19DTCNLRHFNM
Total Consumer Credit Owned by Depository Institutions
TOTALDI
Nonrevolving Consumer Credit Securitized by Nonfinancial Business
DTCNLNHNNM
Nonrevolving Consumer Credit Owned and Securitized by Finance Companies, Flow
DTCTLNHFXDFBANM
Total Consumer Credit Owned by Federal Government, Flow
FLTOTALGOV
Citation
U.S. Federal Reserve, Total Consumer Credit Securitized by Finance Companies [DTCNLHFNM], retrieved from FRED.
Last Checked: 8/1/2025