Total Consumer Credit Owned and Securitized by Depository Institutions, Flow
DTCTLHDXDFBANM • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
7,796.45
Year-over-Year Change
88.16%
Date Range
2/1/1943 - 6/1/2025
Summary
This economic indicator tracks the quarterly flow of consumer credit owned and securitized by U.S. depository institutions, reflecting consumer borrowing trends and financial system dynamics. It provides critical insights into consumer financial health and lending market conditions.
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 metric represents the net change in consumer credit portfolios held by banks and other depository institutions, capturing consumer lending activities across various credit products. Economists use this data to assess consumer spending capacity, credit market liquidity, and potential economic expansion or contraction.
Methodology
Data is collected through regulatory reporting requirements from financial institutions and aggregated by the Federal Reserve using standardized accounting methodologies.
Historical Context
Policymakers and financial analysts use this trend to inform monetary policy decisions, assess credit market health, and predict potential economic shifts.
Key Facts
- Measures quarterly net changes in consumer credit portfolios
- Includes various credit instruments like personal loans and credit cards
- Provides insights into consumer borrowing and financial system liquidity
FAQs
Q: What does this economic indicator measure?
A: It tracks the quarterly flow of consumer credit owned by depository institutions, showing changes in lending volumes and consumer borrowing patterns.
Q: Why is this data important?
A: The indicator helps economists and policymakers understand consumer financial health, credit market conditions, and potential economic trends.
Q: How is the data collected?
A: Financial institutions report lending data through standardized regulatory forms, which the Federal Reserve then aggregates and analyzes.
Q: How do policymakers use this information?
A: The data informs monetary policy decisions, helps assess credit market risks, and provides insights into potential economic expansions or contractions.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this indicator quarterly, providing a current snapshot of consumer credit market dynamics.
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Related Trends
Nonrevolving Consumer Credit Owned and Securitized by Nonfinancial Business, Flow
DTCTLNHNXDFBANM
Motor Vehicle Loans Owned and Securitized
MVLOASM
Revolving Consumer Credit Owned by Finance Companies, Flow
FLREVOLNFC
Revolving Consumer Credit Owned and Securitized by Finance Companies, Flow
G19DTCTLRHFXDFBANM
Percent Change of Total Nonrevolving Consumer Credit
NONREVSLAR
Nonrevolving Consumer Credit Securitized by Finance Companies
DTCNLNHFNM
Citation
U.S. Federal Reserve, Total Consumer Credit Owned and Securitized by Depository Institutions, Flow [DTCTLHDXDFBANM], retrieved from FRED.
Last Checked: 8/1/2025