Revolving Consumer Credit Securitized by Depository Institutions
DTCNLRHDNM • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
77.56
Year-over-Year Change
-23.24%
Date Range
1/1/1989 - 6/1/2025
Summary
This economic indicator tracks the total value of revolving consumer credit that has been securitized by depository institutions in the United States. It provides critical insight into consumer borrowing patterns and the financial sector's credit transformation strategies.
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 volume of consumer credit lines (like credit cards) that have been packaged and sold as securities by banks and other financial institutions. Economists use this metric to understand consumer financial behavior, credit market dynamics, and potential economic risk indicators.
Methodology
Data is collected through regulatory reporting by financial institutions and aggregated by the Federal Reserve using standardized measurement protocols.
Historical Context
This indicator is used in macroeconomic analysis to assess consumer spending capacity, financial market liquidity, and potential credit market stress.
Key Facts
- Represents the total value of securitized revolving consumer credit
- Indicates financial institutions' credit packaging strategies
- Provides insights into consumer borrowing and financial market trends
FAQs
Q: What does revolving consumer credit mean?
A: Revolving credit is a type of credit that allows consumers to borrow repeatedly up to a certain limit, with the most common example being credit cards.
Q: Why do banks securitize consumer credit?
A: Securitization allows banks to transfer credit 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 monthly or quarterly basis, depending on reporting cycles.
Q: What does this trend indicate about the economy?
A: Changes in revolving credit securitization can signal consumer confidence, lending practices, and potential economic expansion or contraction.
Q: Are there limitations to this economic indicator?
A: The data represents a snapshot of credit markets and should be analyzed alongside other economic indicators for comprehensive insights.
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Related Trends
Nonrevolving Consumer Credit Owned by Depository Institutions
NREVNDI
Nonrevolving Securitized Consumer Credit, Flow
FLNREVNSEC
Total Consumer Credit Securitized by Depository Institutions, Flow
DTCNLHDXDFBANM
Total Consumer Credit Owned by Nonprofit and Educational Institutions, Flow
FLTOTALNEI
Nonrevolving Consumer Credit Owned by Nonprofit and Educational Institutions
NREVNEI
Total Consumer Credit Securitized by Nonfinancial Business, Flow
DTCNLHNXDFBANM
Citation
U.S. Federal Reserve, Revolving Consumer Credit Securitized by Depository Institutions [DTCNLRHDNM], retrieved from FRED.
Last Checked: 8/1/2025