Revolving Consumer Credit Owned and Securitized by Depository Institutions, Flow
DTCTLRHDXDFBANM • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2,278.61
Year-over-Year Change
-5.17%
Date Range
2/1/1968 - 6/1/2025
Summary
This economic indicator tracks the flow of revolving consumer credit owned and securitized by U.S. depository institutions, providing insight into consumer borrowing patterns and financial sector dynamics. The metric is crucial for understanding consumer spending capacity, credit market health, and potential economic trends.
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 series represents the net change in revolving credit held by banks and financial institutions, reflecting consumer credit card usage and short-term borrowing trends. Economists use this data to assess consumer financial behavior, potential economic stress, and overall economic sentiment.
Methodology
Data is collected through regulatory reporting by financial institutions and aggregated by the Federal Reserve using standardized reporting frameworks.
Historical Context
This indicator is used by policymakers, financial analysts, and economists to gauge consumer financial health, potential credit market risks, and broader economic conditions.
Key Facts
- Measures net changes in revolving credit owned by depository institutions
- Provides real-time insight into consumer borrowing patterns
- Reflects potential economic stress and consumer financial health
FAQs
Q: What does revolving consumer credit represent?
A: Revolving consumer credit represents flexible borrowing, typically through credit cards, where consumers can borrow up to a certain limit and carry balances month-to-month.
Q: Why is this economic indicator important?
A: This indicator helps economists and policymakers understand consumer spending capacity, credit market conditions, and potential economic trends.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this series monthly, providing current insights into consumer credit dynamics.
Q: What can rising revolving credit indicate?
A: Increasing revolving credit can suggest growing consumer confidence or potential financial stress, depending on broader economic context.
Q: Are there limitations to this data?
A: The indicator represents only depository institutions and may not capture the entire consumer credit landscape, including alternative lending sources.
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Related Trends
Revolving Consumer Credit Owned and Securitized by Finance Companies
G19DTCTLRHFNM
Nonrevolving Securitized Consumer Credit, Flow
FLNREVNSEC
Total Consumer Credit Owned and Securitized by Finance Companies
DTCTLHFNM
Total Consumer Credit Owned by Depository Institutions
TOTALDI
Nonrevolving Consumer Credit Owned and Securitized by Nonfinancial Business, Flow
DTCTLNHNXDFBANM
Nonrevolving Consumer Credit Owned by Finance Companies, Flow
FLNREVNFC
Citation
U.S. Federal Reserve, Revolving Consumer Credit Owned and Securitized by Depository Institutions, Flow [DTCTLRHDXDFBANM], retrieved from FRED.
Last Checked: 8/1/2025