Total Consumer Credit Owned and Securitized, Flow
FLTOTALSL • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
7,371.38
Year-over-Year Change
308.16%
Date Range
2/1/1943 - 6/1/2025
Summary
Total Consumer Credit Owned and Securitized, Flow measures the net change in consumer credit across the U.S. economy during a specific period. This metric provides critical insight into consumer borrowing patterns, credit market dynamics, and potential economic health indicators.
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 monthly net additions to consumer credit, including revolving and non-revolving credit instruments like credit cards, auto loans, and personal loans. Economists analyze this data to understand consumer spending capacity, financial stress, and potential economic expansion or contraction.
Methodology
Data is collected through comprehensive reporting by financial institutions, aggregated and processed by the Federal Reserve using standardized statistical sampling and reporting protocols.
Historical Context
Policymakers and central bank officials use this trend to assess consumer financial behavior, potential inflationary pressures, and overall economic momentum.
Key Facts
- Tracks net changes in consumer credit across different loan categories
- Provides insights into consumer financial health and spending potential
- Reflects broader economic conditions and consumer confidence
FAQs
Q: What does this economic indicator measure?
A: It measures the net change in total consumer credit, including both revolving and non-revolving credit instruments across the U.S. economy.
Q: Why is consumer credit flow important?
A: It helps economists and policymakers understand consumer spending capacity, financial stress, and potential economic trends.
Q: How frequently is this data updated?
A: Typically updated monthly or quarterly by the Federal Reserve, providing near-real-time insights into credit market dynamics.
Q: What can rising consumer credit indicate?
A: Increasing consumer credit can suggest growing consumer confidence, economic expansion, or potential increased financial risk.
Q: Are there limitations to this economic indicator?
A: While informative, the metric doesn't capture individual credit quality or specific borrower characteristics, requiring complementary analysis.
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Related Trends
Total Consumer Credit Securitized by Nonfinancial Business, Flow
DTCNLHNXDFBANM
Revolving Consumer Credit Owned by Depository Institutions
REVOLNDI
Revolving Consumer Credit Securitized by Depository Institutions
DTCNLRHDNM
Nonrevolving Consumer Credit Owned and Securitized by Finance Companies, Flow
DTCTLNHFXDFBANM
Total Consumer Credit Owned by Federal Government
TOTALGOV
Nonrevolving Securitized Consumer Credit, Flow
FLNREVNSEC
Citation
U.S. Federal Reserve, Total Consumer Credit Owned and Securitized, Flow [FLTOTALSL], retrieved from FRED.
Last Checked: 8/1/2025