Consumer Loans, All Commercial Banks
H8B1029NCBCMG • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
-1.80
Year-over-Year Change
-700.00%
Date Range
1/1/1958 - 6/1/2025
Summary
Consumer Loans, All Commercial Banks tracks the total volume of consumer lending across U.S. banks, providing critical insight into household borrowing trends and economic health. This metric reflects consumer confidence, credit availability, and potential economic expansion or contraction.
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 series represents aggregate consumer loan balances held by commercial banks, encompassing personal loans, credit card debt, and other consumer credit instruments. Economists use this indicator to assess consumer spending capacity, credit market conditions, and potential inflationary pressures.
Methodology
Data is collected through mandatory bank reporting to the Federal Reserve, aggregating loan balances from financial institutions nationwide.
Historical Context
Policymakers and financial analysts use this trend to evaluate monetary policy effectiveness, credit market dynamics, and potential economic stimulus requirements.
Key Facts
- Represents total consumer lending across U.S. commercial banking system
- Includes personal loans, credit cards, and other consumer credit instruments
- Serves as a leading indicator of consumer financial health and economic momentum
FAQs
Q: What types of loans are included in this metric?
A: The series includes personal loans, credit card debt, automobile loans, and other consumer credit products issued by commercial banks.
Q: How does this trend relate to economic growth?
A: Rising consumer loan volumes typically indicate increased consumer confidence and potential economic expansion, while declining volumes might suggest economic contraction.
Q: How frequently is this data updated?
A: The Federal Reserve updates this series regularly, typically on a monthly basis, providing near-real-time insights into consumer lending trends.
Q: Why do economists monitor this indicator?
A: This metric helps economists assess consumer spending potential, credit market health, and potential inflationary pressures in the broader economy.
Q: What are potential limitations of this data?
A: The series does not capture non-bank lending sources and may not fully represent alternative credit markets like fintech or peer-to-peer lending platforms.
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Citation
U.S. Federal Reserve, Consumer Loans, All Commercial Banks [H8B1029NCBCMG], retrieved from FRED.
Last Checked: 8/1/2025