Total Consumer Credit Owned and Securitized by Finance Companies
DTCTLHFNM • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
726,439.25
Year-over-Year Change
-0.75%
Date Range
1/1/1943 - 6/1/2025
Summary
This economic indicator tracks the total consumer credit held by finance companies, including both owned and securitized debt. It provides insight into consumer borrowing patterns and the overall health of consumer credit markets.
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 aggregate value of consumer loans and credit extended by specialized finance companies across various sectors like auto loans, personal loans, and consumer credit. Economists use this trend to assess consumer financial behavior and potential economic pressures.
Methodology
Data is collected through comprehensive financial reporting by finance companies and aggregated by the Federal Reserve using standardized reporting frameworks.
Historical Context
Policymakers and financial analysts use this trend to understand consumer spending capacity, credit market dynamics, and potential economic expansion or contraction.
Key Facts
- Represents total consumer credit across multiple lending sectors
- Includes both owned and securitized debt instruments
- Provides critical insight into consumer financial health
FAQs
Q: What types of loans are included in this metric?
A: The metric includes auto loans, personal loans, credit card debt, and other consumer credit extended by finance companies.
Q: How does this trend relate to overall economic health?
A: Rising consumer credit can indicate economic confidence, while sharp increases might signal potential over-leveraging by consumers.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of consumer credit markets.
Q: Why do economists track this specific metric?
A: It offers a comprehensive view of consumer borrowing trends and potential economic pressures beyond traditional banking sector data.
Q: What are the limitations of this data?
A: The metric does not capture all consumer debt and may not immediately reflect rapid market changes or emerging lending platforms.
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Citation
U.S. Federal Reserve, Total Consumer Credit Owned and Securitized by Finance Companies [DTCTLHFNM], retrieved from FRED.
Last Checked: 8/1/2025