Total Consumer Credit Securitized by Finance Companies, Flow
DTCNLHFXDFBANM • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.00
Year-over-Year Change
N/A%
Date Range
2/1/1989 - 6/1/2025
Summary
This economic indicator tracks the flow of consumer credit securitized by finance companies, representing the volume of consumer loans packaged and sold as financial securities. It provides insight into credit market dynamics and consumer lending trends.
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 reflects the securitization process where consumer loans are bundled and transformed into tradable financial instruments by finance companies. Economists use this data to understand credit market liquidity, risk transfer, and consumer financial behavior.
Methodology
Data is collected through regulatory reporting by finance companies and aggregated by the Federal Reserve using standardized financial reporting protocols.
Historical Context
This trend is crucial for assessing credit market health, monetary policy effectiveness, and potential systemic financial risks.
Key Facts
- Represents the volume of consumer loans converted into tradable securities
- Indicates financial market liquidity and lending practices
- Provides insights into consumer borrowing and credit market dynamics
FAQs
Q: What does consumer credit securitization mean?
A: Securitization is the process of packaging individual loans into a single financial instrument that can be traded in financial markets.
Q: Why do finance companies securitize consumer credit?
A: Securitization allows finance companies to transfer loan risk, generate immediate capital, and create new investment products.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data series on a monthly or quarterly basis, depending on reporting cycles.
Q: How does this trend impact consumers?
A: Securitization can potentially lower borrowing costs and increase credit availability by creating more liquidity in lending markets.
Q: What are the limitations of this data?
A: The metric may not capture all lending activities and can be influenced by complex financial market conditions and regulatory changes.
Related Trends
Total Securitized Consumer Credit, Flow
FLTOTALSEC
Revolving Consumer Credit Owned by Nonfinancial Business, Flow
FLREVOLNNFC
Percent Change of Total Revolving Consumer Credit
REVOLSLAR
Total Consumer Credit Owned by Nonfinancial Business
TOTALNFC
Nonrevolving Consumer Credit Owned by Nonfinancial Business
NREVNNFC
Revolving Consumer Credit Owned by Depository Institutions, Flow
FLREVOLNDI
Citation
U.S. Federal Reserve, Total Consumer Credit Securitized by Finance Companies, Flow [DTCNLHFXDFBANM], retrieved from FRED.
Last Checked: 8/1/2025