Revolving Consumer Credit Owned by Depository Institutions, Flow
FLREVOLNDI • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
8,644.64
Year-over-Year Change
-54.56%
Date Range
2/1/1968 - 5/1/2025
Summary
This economic indicator tracks the net change in revolving consumer credit held by U.S. depository institutions, reflecting consumer borrowing trends and financial health. It provides insights into consumer spending patterns, credit accessibility, 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
The metric represents the quarterly flow of revolving credit, primarily credit card balances, owned by banks and other financial institutions. Economists use this data to assess consumer financial behavior, credit market dynamics, and potential economic expansion or contraction.
Methodology
Data is collected through regulatory reporting by financial institutions and aggregated by the Federal Reserve using standardized reporting frameworks.
Historical Context
Policymakers and financial analysts use this trend to evaluate consumer confidence, credit market conditions, and potential monetary policy interventions.
Key Facts
- Measures net quarterly changes in revolving credit owned by depository institutions
- Indicates consumer borrowing and spending patterns
- Reflects broader economic health and consumer confidence
FAQs
Q: What does revolving credit mean?
A: Revolving credit allows consumers to borrow repeatedly up to a set credit limit, with the most common example being credit cards. Balances can be carried month-to-month with interest charges.
Q: How does this indicator relate to economic health?
A: Rising revolving credit can signal consumer confidence and economic expansion, while declining credit might indicate economic caution or financial stress.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of consumer credit trends.
Q: Why do economists track revolving credit?
A: Revolving credit provides insights into consumer spending behavior, credit market conditions, and potential economic momentum or potential slowdown.
Q: What are the limitations of this data?
A: The indicator represents aggregate trends and may not capture individual consumer experiences or specific demographic variations in credit usage.
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Related Trends
Revolving Consumer Credit Owned and Securitized, Flow
FLREVOLSL
Revolving Consumer Credit Owned by Credit Unions, Flow
FLREVOLNCU
Revolving Consumer Credit Owned by Finance Companies, Flow
FLREVOLNFC
Revolving Consumer Credit Owned and Securitized by Nonfinancial Business, Flow
DTCTLRHNXDFBANM
Total Consumer Credit Owned by Credit Unions, Flow
FLTOTALTCU
Total Consumer Credit Owned by Depository Institutions, Flow
FLTOTALDI
Citation
U.S. Federal Reserve, Revolving Consumer Credit Owned by Depository Institutions, Flow [FLREVOLNDI], retrieved from FRED.
Last Checked: 8/1/2025