Total Consumer Credit Owned by Depository Institutions, Flow
FLTOTALDI • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
7,796.45
Year-over-Year Change
119.23%
Date Range
2/1/1943 - 6/1/2025
Summary
This economic indicator tracks the net change in consumer credit held by banks and other depository institutions. It provides insights into consumer borrowing patterns and potential economic activity levels.
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 flow of consumer credit represents the quarterly or annual changes in total credit extended to consumers by financial institutions. Economists use this metric to understand consumer spending capacity, financial health, and potential economic momentum.
Methodology
Data is collected through regulatory reporting requirements from banks and financial institutions, aggregated and reported by the Federal Reserve.
Historical Context
This trend is crucial for monetary policy makers, financial analysts, and investors to assess consumer financial behavior and potential economic expansion or contraction.
Key Facts
- Measures net changes in consumer credit across depository institutions
- Reflects consumer borrowing and spending potential
- Provides insights into broader economic health and consumer confidence
FAQs
Q: What does this economic indicator measure?
A: It tracks the net change in consumer credit held by banks and other depository institutions, showing how much credit is being extended to consumers.
Q: Why is consumer credit flow important?
A: It helps economists and policymakers understand consumer spending capacity, financial health, and potential economic momentum.
Q: How is this data collected?
A: The data is gathered through regulatory reporting requirements from financial institutions and compiled by the Federal Reserve.
Q: How can businesses use this information?
A: Companies can use this trend to assess consumer spending potential, adjust marketing strategies, and make financial planning decisions.
Q: How frequently is this data updated?
A: Typically, this economic indicator is updated quarterly, providing a current snapshot of consumer credit trends.
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Related Trends
Nonrevolving Consumer Credit Owned by Nonfinancial Business
NREVNNFC
Total Consumer Credit Owned by Credit Unions
TOTALTCU
Total Consumer Credit Owned and Securitized
TOTALSL
Nonrevolving Securitized Consumer Credit
NREVNSEC
Revolving Consumer Credit Owned and Securitized, Flow
FLREVOLSL
Total Securitized Consumer Credit, Flow
FLTOTALSEC
Citation
U.S. Federal Reserve, Total Consumer Credit Owned by Depository Institutions, Flow [FLTOTALDI], retrieved from FRED.
Last Checked: 8/1/2025