Revolving Consumer Credit Owned by Finance Companies, Flow
This dataset tracks revolving consumer credit owned by finance companies, flow over time.
Latest Value
99.99
Year-over-Year Change
-280.23%
Date Range
1/1/1985 - 5/1/2025
Summary
This trend measures the net change in revolving consumer credit owned by finance companies. It provides insights into consumer borrowing and spending habits, which are important indicators for policymakers and economists.
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
Revolving consumer credit represents open-ended credit accounts, such as credit cards, that allow consumers to borrow and repay on an ongoing basis. The flow data shows the monthly net change, capturing new borrowing and repayments by consumers.
Methodology
The Federal Reserve collects this data from finance companies and reports the seasonally adjusted net change.
Historical Context
This measure is used to monitor consumer behavior and the overall health of credit markets.
Key Facts
- Revolving credit is open-ended, unlike installment loans.
- Consumer credit owned by finance companies is distinct from banks or credit unions.
- The flow data captures net changes, not total outstanding credit.
FAQs
Q: What does this economic trend measure?
A: This trend measures the net change in revolving consumer credit owned by finance companies, providing insights into consumer borrowing and spending behavior.
Q: Why is this trend relevant for users or analysts?
A: This measure is an important indicator of consumer financial health and can inform economic policymaking and market analysis.
Q: How is this data collected or calculated?
A: The Federal Reserve collects this data from finance companies and reports the seasonally adjusted net change.
Q: How is this trend used in economic policy?
A: This measure is used by economists and policymakers to monitor consumer behavior and the overall health of credit markets.
Q: Are there update delays or limitations?
A: The data is reported monthly, with typical lags of a few weeks.
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Citation
U.S. Federal Reserve, Revolving Consumer Credit Owned by Finance Companies, Flow (DTCOLRHFXDFBANM), retrieved from FRED.