Revolving Consumer Credit Owned by Finance Companies, Flow
FLREVOLNFC • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
-259.19
Year-over-Year Change
96.74%
Date Range
1/1/1985 - 6/1/2025
Summary
This economic indicator tracks the net change in revolving consumer credit held by finance companies over a specific period. It provides insights into consumer borrowing behavior 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 flow of revolving credit, primarily credit card debt, owned by non-bank financial institutions. Economists use this metric to gauge consumer financial health, spending patterns, and potential economic pressures.
Methodology
Data is collected through regulatory reporting and survey methods by the Federal Reserve, tracking changes in revolving credit balances.
Historical Context
Policymakers and financial analysts use this trend to assess consumer spending capacity, credit market conditions, and potential economic stimulus needs.
Key Facts
- Measures net changes in revolving credit owned by finance companies
- Reflects consumer borrowing and spending patterns
- Important indicator of economic consumer sentiment
FAQs
Q: What does revolving credit mean?
A: Revolving credit is a type of loan that allows repeated borrowing up to a credit limit, with the most common example being credit cards.
Q: Why are finance companies important in this metric?
A: Finance companies provide specialized lending services outside traditional banks, offering unique insights into consumer credit markets.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this series monthly, providing current snapshots of consumer credit trends.
Q: How does this trend relate to economic health?
A: Rising revolving credit can indicate consumer confidence, while sharp increases might signal economic stress or potential overextension.
Q: What are the limitations of this data?
A: The series only captures finance company-owned credit and doesn't represent the entire consumer credit landscape.
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Citation
U.S. Federal Reserve, Revolving Consumer Credit Owned by Finance Companies, Flow [FLREVOLNFC], retrieved from FRED.
Last Checked: 8/1/2025