Revolving Consumer Credit Owned and Securitized by Depository Institutions
DTCTLRHDNM • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,151,020.25
Year-over-Year Change
-2.88%
Date Range
1/1/1968 - 6/1/2025
Summary
This economic indicator tracks the total value of revolving consumer credit held by U.S. depository institutions, including credit card balances and lines of credit. It provides critical insight into consumer borrowing behavior 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
The trend represents the aggregate amount of short-term, revolving credit managed by banks and credit unions, reflecting consumer spending patterns and credit accessibility. Economists use this metric to assess consumer confidence, potential economic stress, and potential shifts in household financial strategies.
Methodology
Data is collected through comprehensive reporting by financial institutions to the Federal Reserve, aggregating credit balances across different types of revolving credit instruments.
Historical Context
This indicator is crucial for monetary policy makers, helping them understand consumer credit dynamics and potential economic stimulus or contraction.
Key Facts
- Represents total revolving credit balances held by depository institutions
- Includes credit card and personal line of credit balances
- Serves as a leading indicator of consumer financial health and spending potential
FAQs
Q: What does revolving credit mean?
A: Revolving credit allows consumers to borrow repeatedly up to a set limit, with flexible repayment options. Credit cards are the most common form of revolving credit.
Q: How does this indicator relate to economic health?
A: Rising revolving credit can indicate consumer confidence and spending power, while sharp increases might signal potential financial stress or economic uncertainty.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data monthly, providing a near real-time view of consumer credit trends.
Q: Why do policymakers care about revolving credit?
A: This metric helps policymakers understand consumer spending potential, credit market conditions, and potential economic stimulus or contraction.
Q: What are the limitations of this data?
A: The indicator represents aggregate data and doesn't show individual credit behaviors or specific demographic variations in credit usage.
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Related Trends
Total Consumer Credit Owned and Securitized, Flow
FLTOTALSL
Nonrevolving Securitized Consumer Credit, Flow
FLNREVNSEC
Total Consumer Credit Owned and Securitized by Finance Companies
DTCTLHFNM
Revolving Consumer Credit Owned by Nonfinancial Business
REVOLNNFC
Total Consumer Credit Owned and Securitized by Nonfinancial Business, Flow
DTCTLHNXDFBANM
Total Consumer Credit Securitized by Nonfinancial Business
DTCNLHNNM
Citation
U.S. Federal Reserve, Revolving Consumer Credit Owned and Securitized by Depository Institutions [DTCTLRHDNM], retrieved from FRED.
Last Checked: 8/1/2025