Consumer Loans: Other Consumer Loans, All Commercial Banks
H8B3248NCBCAG • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
-1.20
Year-over-Year Change
-157.14%
Date Range
1/1/2001 - 1/1/2024
Summary
This economic indicator tracks the total volume of consumer loans outside of specific categories like credit cards or auto loans across all U.S. commercial banks. It provides insight into broader consumer borrowing trends and potential 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 series represents miscellaneous consumer lending activities, including personal loans, debt consolidation, and other unclassified consumer credit instruments. Economists use this metric to understand consumer financial behavior and potential economic stress or expansion.
Methodology
Data is collected through mandatory reporting by commercial banks to the Federal Reserve, aggregating loan volumes across different financial institutions.
Historical Context
Policymakers and financial analysts use this trend to assess consumer spending capacity, credit market conditions, and potential economic momentum.
Key Facts
- Represents non-standard consumer lending across U.S. commercial banks
- Provides supplementary insight into consumer financial behavior
- Tracked as part of broader economic and credit market analysis
FAQs
Q: What types of loans are included in 'Other Consumer Loans'?
A: This category includes personal loans, debt consolidation loans, and other consumer credit not classified under specific loan types like mortgages or auto loans.
Q: How often is this data updated?
A: The Federal Reserve typically updates this series weekly or monthly, providing near-real-time insights into consumer lending trends.
Q: Why do economists track this specific loan category?
A: It offers a nuanced view of consumer borrowing beyond standard loan types, helping to assess overall economic health and consumer financial strategies.
Q: How does this trend relate to economic cycles?
A: Changes in other consumer loans can indicate economic expansion or contraction, reflecting consumer confidence and financial institutions' lending practices.
Q: What are the limitations of this data series?
A: The series does not capture all consumer lending and may not include non-bank lending sources, providing a partial but important economic snapshot.
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Citation
U.S. Federal Reserve, Consumer Loans: Other Consumer Loans, All Commercial Banks [H8B3248NCBCAG], retrieved from FRED.
Last Checked: 8/1/2025