Nonrevolving Consumer Credit Owned by Depository Institutions, Flow
FLNREVNDI • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
5,517.84
Year-over-Year Change
379.74%
Date Range
2/1/1943 - 6/1/2025
Summary
This economic indicator tracks the flow of nonrevolving consumer credit originated by depository institutions, representing the net change in consumer loans like auto loans and personal installment loans. It provides insight into consumer borrowing behavior and potential economic momentum.
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 reflects consumers' willingness to take on longer-term, fixed-payment loans for major purchases outside of credit cards. Economists analyze this trend to understand consumer confidence, spending patterns, and potential economic expansion or contraction.
Methodology
The data is collected through comprehensive reporting by financial institutions to the Federal Reserve, tracking new credit extensions and repayments in nonrevolving loan categories.
Historical Context
Policymakers and financial analysts use this metric to assess consumer financial health, predict potential economic trends, and inform monetary policy decisions.
Key Facts
- Represents net new credit in fixed-term consumer loan categories
- Excludes revolving credit like credit cards
- Provides insight into consumer spending and economic confidence
FAQs
Q: What types of loans are included in nonrevolving credit?
A: Nonrevolving credit typically includes auto loans, personal loans, and educational loans with fixed repayment terms.
Q: How does this indicator relate to economic health?
A: Increasing nonrevolving credit can signal consumer confidence and potential economic growth, while decreases might indicate economic caution.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data monthly, providing a current snapshot of consumer credit trends.
Q: Why do economists track this metric?
A: It helps predict consumer spending, assess financial institution lending practices, and understand broader economic dynamics.
Q: What are the limitations of this indicator?
A: The data represents aggregate trends and may not capture individual consumer experiences or regional variations precisely.
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Related Trends
Nonrevolving Consumer Credit Securitized by Finance Companies, Flow
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Total Consumer Credit Owned by Federal Government, Flow
FLTOTALGOV
Revolving Consumer Credit Owned by Nonfinancial Business, Flow
FLREVOLNNFC
Total Consumer Credit Owned by Finance Companies
TOTALFC
Revolving Consumer Credit Owned by Finance Companies, Flow
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Total Consumer Credit Owned by Nonprofit and Educational Institutions, Flow
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Citation
U.S. Federal Reserve, Nonrevolving Consumer Credit Owned by Depository Institutions, Flow [FLNREVNDI], retrieved from FRED.
Last Checked: 8/1/2025