Seasonally Adjusted
This dataset tracks seasonally adjusted over time.
Latest Value
939622.00
Year-over-Year Change
1.17%
Date Range
6/1/1985 - 5/1/2025
Summary
The Seasonally Adjusted series measures total consumer credit outstanding, adjusting for normal seasonal patterns. It is a key indicator of consumer demand and credit market health.
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 Seasonally Adjusted series for Total Consumer Credit Outstanding provides a more accurate picture of long-term trends by removing predictable seasonal fluctuations. It is a widely followed metric for assessing consumer borrowing and spending behavior.
Methodology
The data is calculated by the Federal Reserve using Census Bureau survey information and other sources.
Historical Context
Economists and policymakers monitor this series to gauge the state of consumer finances and its implications for the broader economy.
Key Facts
- Consumer credit reached a record high of $4.45 trillion in 2022.
- Revolving credit (credit cards) accounts for around one-third of total consumer credit.
- Consumer credit growth is closely watched as a sign of economic confidence and spending.
FAQs
Q: What does this economic trend measure?
A: The Seasonally Adjusted series measures the total amount of outstanding consumer credit in the United States, adjusted to remove predictable seasonal patterns.
Q: Why is this trend relevant for users or analysts?
A: Consumer credit is a key indicator of consumer demand and economic health, as it reflects households' willingness to borrow and spend.
Q: How is this data collected or calculated?
A: The Federal Reserve calculates this series using survey data from the Census Bureau and other sources.
Q: How is this trend used in economic policy?
A: Economists and policymakers monitor consumer credit data to assess the state of consumer finances and its implications for the broader economy, informing policy decisions.
Q: Are there update delays or limitations?
A: The Seasonally Adjusted series is released monthly with a typical lag of around 6-8 weeks from the end of the reference period.
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Citation
U.S. Federal Reserve, Seasonally Adjusted (DTCTHFM), retrieved from FRED.