Nonrevolving Consumer Credit Securitized by Depository Institutions
DTCNLNHDNM • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
14,384.24
Year-over-Year Change
-4.13%
Date Range
1/1/1989 - 6/1/2025
Summary
This economic indicator tracks the total value of nonrevolving consumer credit that has been securitized by depository institutions in the United States. It provides critical insight into consumer lending patterns and the financial sector's approach to managing 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
Nonrevolving consumer credit typically includes loans for automobiles, education, and personal expenses that are not credit card-based and have fixed repayment terms. Economists use this metric to understand consumer borrowing behavior, financial institution strategies, and potential economic stress points.
Methodology
The data is collected and reported by the Federal Reserve through comprehensive banking and financial institution surveys and reporting mechanisms.
Historical Context
This trend is used by policymakers, financial analysts, and economists to assess consumer financial health, lending market dynamics, and potential economic stimulus or contraction.
Key Facts
- Represents securitized nonrevolving credit from banks and financial institutions
- Includes loans for major purchases like vehicles and education
- Provides insight into consumer borrowing and financial institution lending strategies
FAQs
Q: What types of loans are included in nonrevolving consumer credit?
A: Nonrevolving consumer credit typically includes auto loans, student loans, personal loans, and other fixed-term installment loans with predetermined repayment schedules.
Q: Why do financial institutions securitize consumer loans?
A: Securitization allows financial institutions to package and sell loans as investment products, which helps manage risk and free up capital for additional lending.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data monthly, providing a near real-time view of consumer credit trends.
Q: What does an increase in this metric suggest?
A: An increase can indicate growing consumer confidence, expanded lending activity, or potential economic expansion.
Q: Are there limitations to this economic indicator?
A: While valuable, this metric doesn't capture all consumer credit and should be analyzed alongside other economic indicators for comprehensive insights.
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Nonrevolving Consumer Credit Securitized by Finance Companies, Flow
DTCNLNHFXDFBANM
Total Consumer Credit Owned and Securitized
TOTALSL
Nonrevolving Consumer Credit Owned and Securitized by Depository Institutions
DTCTLNHDNM
Nonrevolving Consumer Credit Securitized by Nonfinancial Business
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Total Consumer Credit Owned by Federal Government, Flow
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Total Consumer Credit Owned and Securitized by Depository Institutions, Flow
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Citation
U.S. Federal Reserve, Nonrevolving Consumer Credit Securitized by Depository Institutions [DTCNLNHDNM], retrieved from FRED.
Last Checked: 8/1/2025