Nonrevolving Consumer Credit Owned and Securitized by Depository Institutions, Flow
DTCTLNHDXDFBANM • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
5,517.84
Year-over-Year Change
216.99%
Date Range
2/1/1943 - 6/1/2025
Summary
This economic indicator tracks the flow of nonrevolving consumer credit owned and securitized by depository institutions in the United States. It provides critical insight into consumer borrowing patterns for major purchases like automobiles, education, and personal loans.
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 net change in nonrevolving credit held by banks and financial institutions, reflecting consumer financial behavior and lending market dynamics. Economists use this metric to understand consumer spending capacity, credit market health, and potential economic momentum.
Methodology
Data is collected through comprehensive reporting by financial institutions to the Federal Reserve, tracking the quarterly net flow of nonrevolving credit instruments.
Historical Context
This indicator is used by policymakers, financial analysts, and central bank officials to assess consumer financial health, credit market trends, and potential economic stimulus requirements.
Key Facts
- Tracks net changes in nonrevolving credit owned by depository institutions
- Includes credit for major purchases like vehicles and education
- Provides insight into consumer financial behavior and lending trends
FAQs
Q: What types of loans are included in nonrevolving credit?
A: Nonrevolving credit typically includes auto loans, student loans, personal loans, and other fixed-term installment loans with predetermined repayment schedules.
Q: How does this indicator relate to economic health?
A: Rising nonrevolving credit can signal consumer confidence and economic expansion, while declining levels might indicate economic caution or reduced spending capacity.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of consumer credit market trends.
Q: Why do policymakers care about this metric?
A: This indicator helps policymakers understand consumer spending potential, credit market conditions, and potential needs for monetary or fiscal interventions.
Q: What are the limitations of this data?
A: The metric only captures credit from depository institutions and does not include all consumer credit sources, such as credit unions or private lenders.
Related News
Gen Z In the U.S. Shifts From Spending To Saving Habits
How Gen Z's Shift from Spending to Saving is Impacting the US Economy Recent trends indicate a significant shift in the spending habits of Gen Z, w...
S&P 500 Rises With Optimistic U.S. Inflation Report
S&P 500 Soars: Positive U.S. Inflation Developments The S&P 500, a primary stock index that tracks the performance of 500 major U.S. companies, has...
U.S. Stock Market Futures Rise On Inflation and Tariff News
US Stock Market Futures Rise Amid Inflation Data and Tariff News US stock market futures are on the rise, driven by significant updates in inflatio...
U.S. Treasury Yields Decline After Inflation Data Meet Expectations
US Treasury Yields Drop as Inflation Data Meets Expectations US Treasury yields have seen a noticeable decline recently, as the latest inflation da...
U.S. Stock Market Rises Amid PCE Inflation Report Analysis
U.S. Stock Market Climbs Amidst Insights from PCE Inflation Report Investors in the U.S. stock market are focusing on the most recent PCE Inflation...
U.S. Stock Futures Stagnant Despite Positive Jobless Claims and GDP
Why US Stock Futures Remain Stagnant Despite Positive Economic Indicators The current investment landscape is puzzling for many as US stock futures...
Related Trends
Revolving Consumer Credit Securitized by Nonfinancial Business
DTCNLRHNNM
Revolving Consumer Credit Owned and Securitized by Nonfinancial Business
DTCTLRHNNM
Nonrevolving Consumer Credit Owned by Federal Government, Flow
FLNREVNGOV
Motor Vehicle Loans Owned and Securitized
MVLOASM
Total Consumer Credit Owned by Credit Unions, Flow
FLTOTALTCU
Total Consumer Credit Owned by Depository Institutions
TOTALDI
Citation
U.S. Federal Reserve, Nonrevolving Consumer Credit Owned and Securitized by Depository Institutions, Flow [DTCTLNHDXDFBANM], retrieved from FRED.
Last Checked: 8/1/2025