Total Consumer Credit Owned and Securitized, Flow
FLTOTALNS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
9,823.91
Year-over-Year Change
130.69%
Date Range
2/1/1943 - 6/1/2025
Summary
Total Consumer Credit Owned and Securitized, Flow tracks the net change in consumer credit across the United States in a given period. This metric provides critical insight 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 represents the quarterly or annual net flow of consumer credit, encompassing revolving and non-revolving credit instruments like credit cards, auto loans, and personal loans. Economists use this indicator to assess consumer financial behavior, spending capacity, and potential economic momentum.
Methodology
Data is collected through comprehensive surveys and reporting from financial institutions, aggregated and standardized by the Federal Reserve.
Historical Context
Policymakers and financial analysts use this trend to inform monetary policy decisions, assess consumer financial resilience, and predict potential economic shifts.
Key Facts
- Measures net changes in consumer credit across different loan types
- Reflects consumer confidence and economic conditions
- Includes both revolving and non-revolving credit instruments
FAQs
Q: What does this economic indicator measure?
A: It tracks the net change in total consumer credit, including credit cards, auto loans, and personal loans, showing how much consumers are borrowing.
Q: Why is consumer credit flow important?
A: It provides insights into consumer financial health, spending capacity, and potential economic momentum by revealing borrowing trends.
Q: How often is this data updated?
A: Typically, the data is updated quarterly by the Federal Reserve, providing a current snapshot of consumer credit dynamics.
Q: How do policymakers use this information?
A: Central banks and economic policymakers use this trend to assess economic conditions and potentially adjust monetary policy.
Q: What are the limitations of this indicator?
A: While informative, the data represents aggregate trends and may not capture individual consumer experiences or regional variations.
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Revolving Consumer Credit Securitized by Finance Companies, Flow
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Nonrevolving Consumer Credit Owned by Finance Companies
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Nonrevolving Consumer Credit Securitized by Nonfinancial Business
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Student Loans Owned and Securitized, Flow
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Nonrevolving Securitized Consumer Credit, Flow
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Citation
U.S. Federal Reserve, Total Consumer Credit Owned and Securitized, Flow [FLTOTALNS], retrieved from FRED.
Last Checked: 8/1/2025