Total Consumer Credit Owned by Nonfinancial Business, Flow
FLTOTALNFC • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
309.54
Year-over-Year Change
-24.45%
Date Range
2/1/1943 - 12/1/2019
Summary
This economic indicator tracks the flow of consumer credit owned by nonfinancial businesses, representing the net change in credit extended to consumers. It provides critical insights into consumer borrowing patterns and overall economic health.
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 trend measures the total volume of consumer credit created by nonfinancial businesses, which includes credit from sources like retailers, auto dealers, and other non-bank financial entities. Economists use this metric to understand consumer spending capacity, credit market dynamics, and potential economic expansion or contraction.
Methodology
Data is collected through comprehensive financial surveys and reporting mechanisms by the Federal Reserve, tracking credit extensions and changes in consumer credit portfolios.
Historical Context
Policymakers and financial analysts use this trend to assess consumer financial health, potential economic stimulus, and credit market conditions.
Key Facts
- Reflects net changes in consumer credit outside traditional banking systems
- Indicates consumer borrowing capacity and economic sentiment
- Provides insights into potential consumer spending trends
FAQs
Q: What does this economic indicator measure?
A: It tracks the flow of consumer credit created by nonfinancial businesses, showing how much credit is being extended to consumers outside traditional banking systems.
Q: Why is this trend important?
A: The trend helps economists and policymakers understand consumer borrowing patterns, credit market health, and potential economic momentum.
Q: How is the data collected?
A: The Federal Reserve collects this data through comprehensive financial surveys and reporting mechanisms from various nonfinancial businesses.
Q: What can this trend tell us about the economy?
A: Rising credit flow can indicate consumer confidence and potential economic expansion, while declining flow might suggest economic caution or contraction.
Q: How frequently is this data updated?
A: The data is typically updated quarterly, providing a periodic snapshot of consumer credit market dynamics.
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Citation
U.S. Federal Reserve, Total Consumer Credit Owned by Nonfinancial Business, Flow [FLTOTALNFC], retrieved from FRED.
Last Checked: 8/1/2025