Revolving Consumer Credit Owned by Depository Institutions
REVOLNDI • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,150,942.70
Year-over-Year Change
-2.88%
Date Range
1/1/1968 - 6/1/2025
Summary
This economic indicator tracks the total amount of revolving credit held by U.S. depository institutions, primarily representing credit card balances. It provides critical insight into consumer borrowing behavior 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
Revolving consumer credit represents a key metric of consumer financial activity, reflecting household spending patterns and credit accessibility. Economists use this trend to assess consumer confidence, potential economic stress, and potential shifts in consumer spending behavior.
Methodology
The data is collected by the Federal Reserve through comprehensive reporting from financial institutions, tracking the total dollar value of revolving credit accounts.
Historical Context
This metric is crucial for monetary policy makers, financial analysts, and economic researchers in understanding consumer financial dynamics and potential economic trends.
Key Facts
- Represents credit card and similar revolving credit balances
- Indicates consumer borrowing and spending capacity
- Tracked monthly by the Federal Reserve
FAQs
Q: What does REVOLNDI specifically measure?
A: REVOLNDI measures the total revolving credit owned by U.S. depository institutions, primarily representing credit card balances held by banks and financial institutions.
Q: How does this indicator relate to economic health?
A: Rising REVOLNDI can indicate increased consumer confidence and spending, while sharp increases might signal potential economic stress or overextension.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data monthly, providing a current snapshot of consumer credit trends.
Q: Why do economists track this metric?
A: It provides insights into consumer behavior, potential economic momentum, and the overall health of consumer financial markets.
Q: What are the limitations of this data?
A: The metric only captures revolving credit from depository institutions and does not include all forms of consumer credit or alternative lending sources.
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Citation
U.S. Federal Reserve, Revolving Consumer Credit Owned by Depository Institutions [REVOLNDI], retrieved from FRED.
Last Checked: 8/1/2025