Nonrevolving Consumer Credit Owned and Securitized by Depository Institutions
DTCTLNHDNM • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
846,446.54
Year-over-Year Change
-6.80%
Date Range
1/1/1943 - 6/1/2025
Summary
This economic indicator tracks the total value of nonrevolving consumer credit held by U.S. depository institutions, including loans for automobiles, education, and personal expenses. It provides critical insight into consumer borrowing patterns and overall financial health of households.
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
Nonrevolving consumer credit represents long-term installment loans that are not routinely renewed like credit cards. Economists use this metric to assess consumer spending capacity, financial confidence, and potential economic growth trends.
Methodology
Data is collected through comprehensive reporting by banks, credit unions, and other financial institutions to the Federal Reserve.
Historical Context
Policymakers and financial analysts use this trend to evaluate consumer economic behavior, potential inflationary pressures, and overall economic momentum.
Key Facts
- Includes loans for automobiles, education, and personal expenses
- Reflects consumer borrowing capacity and financial confidence
- Tracked monthly by the Federal Reserve
FAQs
Q: What types of loans are included in nonrevolving consumer credit?
A: Nonrevolving credit includes auto loans, student loans, personal loans, and other installment loans with fixed repayment schedules.
Q: How does nonrevolving credit differ from revolving credit?
A: Nonrevolving credit has a fixed loan amount and repayment term, unlike credit cards which allow ongoing borrowing and repayment.
Q: How often is this data updated?
A: The Federal Reserve typically updates nonrevolving consumer credit data on a monthly basis.
Q: Why do economists track nonrevolving consumer credit?
A: This metric helps assess consumer spending power, economic confidence, and potential future economic growth.
Q: What can changes in nonrevolving credit indicate?
A: Increases may suggest economic optimism and consumer confidence, while decreases might signal economic uncertainty or reduced spending capacity.
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Related Trends
Nonrevolving Consumer Credit Securitized by Finance Companies
DTCNLNHFNM
Nonrevolving Consumer Credit Owned by Depository Institutions
NREVNDI
Nonrevolving Consumer Credit Securitized by Depository Institutions
DTCNLNHDNM
Total Consumer Credit Owned by Federal Government
TOTALGOV
Total Consumer Credit Owned and Securitized by Finance Companies
DTCTLHFNM
Revolving Consumer Credit Securitized by Nonfinancial Business
DTCNLRHNNM
Citation
U.S. Federal Reserve, Nonrevolving Consumer Credit Owned and Securitized by Depository Institutions [DTCTLNHDNM], retrieved from FRED.
Last Checked: 8/1/2025