Total Consumer Credit Owned and Securitized by Depository Institutions
DTCTLHDNM • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,997,466.79
Year-over-Year Change
-4.58%
Date Range
1/1/1943 - 6/1/2025
Summary
This economic indicator tracks the total consumer credit held by depository institutions, reflecting the volume of consumer lending in the U.S. financial system. It provides critical insight into consumer borrowing patterns, credit availability, and potential economic 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 trend represents the aggregate consumer credit portfolio managed by banks and similar financial institutions, including personal loans, credit cards, and other consumer credit instruments. Economists use this metric to assess consumer financial behavior, credit market conditions, and potential economic expansion or contraction.
Methodology
Data is collected through regulatory reporting requirements from financial institutions, aggregated and reported by the Federal Reserve.
Historical Context
Policymakers and financial analysts use this trend to evaluate consumer spending capacity, credit market dynamics, and potential monetary policy interventions.
Key Facts
- Represents total consumer credit across depository institutions
- Includes various consumer lending instruments
- Provides insight into broader economic financial health
FAQs
Q: What types of credit are included in this metric?
A: The metric includes personal loans, credit cards, and other consumer credit instruments held by depository institutions.
Q: How does this trend relate to economic health?
A: Higher consumer credit can indicate economic confidence and spending capacity, while significant changes might signal broader economic shifts.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data on a monthly or quarterly basis, providing current insights into consumer credit markets.
Q: Why do economists track this trend?
A: It helps assess consumer financial behavior, credit market conditions, and potential economic expansion or contraction.
Q: What are potential limitations of this data?
A: The trend represents a snapshot of credit markets and may not capture all nuanced financial behaviors or emerging credit trends.
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Total Securitized Consumer Credit, Flow
FLTOTALSEC
Nonrevolving Consumer Credit Owned by Nonfinancial Business, Flow
FLNREVNNFC
Revolving Consumer Credit Owned and Securitized by Finance Companies, Flow
G19DTCTLRHFXDFBANM
Total Consumer Credit Securitized by Finance Companies
DTCNLHFNM
Nonrevolving Consumer Credit Securitized by Depository Institutions
DTCNLNHDNM
Total Consumer Credit Owned by Finance Companies
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Citation
U.S. Federal Reserve, Total Consumer Credit Owned and Securitized by Depository Institutions [DTCTLHDNM], retrieved from FRED.
Last Checked: 8/1/2025