Revolving Consumer Credit Owned and Securitized by Finance Companies
G19DTCTLRHFNM • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
16,116.11
Year-over-Year Change
-15.03%
Date Range
12/1/1984 - 6/1/2025
Summary
This economic indicator tracks the total amount of revolving consumer credit held by finance companies, including credit card balances and other short-term consumer loans. It provides critical insight into consumer borrowing behavior and potential economic stress or consumer confidence.
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 aggregate revolving credit extended by specialized financial institutions to consumers, reflecting broader patterns of consumer spending and financial health. Economists use this metric to assess consumer liquidity, credit market conditions, and potential leading indicators of economic expansion or contraction.
Methodology
Data is collected through comprehensive financial reporting by finance companies and aggregated by the Federal Reserve using standardized reporting frameworks.
Historical Context
This indicator is used by policymakers, financial analysts, and central banking officials to understand consumer credit dynamics and potential monetary policy interventions.
Key Facts
- Represents short-term, revolving credit extended by specialized financial institutions
- Includes credit card balances and similar consumer credit instruments
- Serves as a key indicator of consumer financial behavior and economic sentiment
FAQs
Q: What does 'revolving credit' mean?
A: Revolving credit is a type of loan that allows consumers to borrow repeatedly up to a specified credit limit, with the balance changing based on purchases and payments.
Q: How do finance companies differ from banks in consumer lending?
A: Finance companies specialize in consumer and business lending, often with more flexible credit requirements compared to traditional banks.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this series monthly, providing near-real-time insights into consumer credit trends.
Q: Why is this indicator important for economic analysis?
A: It helps economists and policymakers understand consumer spending capacity, financial stress, and potential economic momentum.
Q: What are the limitations of this data?
A: The indicator represents only finance company lending and does not capture the entire consumer credit market, which includes bank and credit union lending.
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Citation
U.S. Federal Reserve, Revolving Consumer Credit Owned and Securitized by Finance Companies [G19DTCTLRHFNM], retrieved from FRED.
Last Checked: 8/1/2025