Revolving Securitized Consumer Credit
REVOLNSEC • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
77.56
Year-over-Year Change
-23.24%
Date Range
1/1/1989 - 6/1/2025
Summary
Revolving Securitized Consumer Credit tracks the total value of consumer credit card debt that has been packaged and sold as securities to investors. This metric provides critical insight into consumer financial behavior, credit market liquidity, and potential economic risk.
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
This economic indicator represents the volume of credit card debt transformed into tradable financial instruments through securitization processes. Economists analyze this trend to understand consumer spending patterns, credit market dynamics, and potential systemic financial risks.
Methodology
Data is collected by the Federal Reserve through comprehensive financial reporting from banks, credit card companies, and financial institutions that participate in credit securitization.
Historical Context
Policymakers and financial analysts use this metric to assess consumer financial health, credit market conditions, and potential indicators of economic stress or consumer confidence.
Key Facts
- Represents the total value of credit card debt packaged into securities
- Indicates consumer borrowing and financial market liquidity
- Provides insights into potential economic risk and consumer spending trends
FAQs
Q: What does revolving securitized consumer credit mean?
A: It refers to credit card debt that has been bundled and sold as investment securities to financial market participants. This process allows banks to transfer credit risk and generate additional capital.
Q: How does securitization impact consumer credit?
A: Securitization enables banks to free up capital and continue lending by selling packaged debt to investors. This can potentially lower borrowing costs and increase credit availability.
Q: How is this data collected?
A: The Federal Reserve collects this data through mandatory financial reporting from banks, credit card companies, and financial institutions involved in credit securitization.
Q: Why do economists track this metric?
A: This indicator helps economists understand consumer financial behavior, assess credit market health, and identify potential economic risks or opportunities.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of credit market conditions and consumer borrowing trends.
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Related Trends
Total Securitized Consumer Credit, Flow
FLTOTALSEC
Revolving Consumer Credit Owned by Depository Institutions
REVOLNDI
Percent Change of Total Revolving Consumer Credit
REVOLSLAR
Total Consumer Credit Securitized by Nonfinancial Business
DTCNLHNNM
Revolving Consumer Credit Owned and Securitized by Depository Institutions
DTCTLRHDNM
Total Consumer Credit Securitized by Depository Institutions, Flow
DTCNLHDXDFBANM
Citation
U.S. Federal Reserve, Revolving Securitized Consumer Credit [REVOLNSEC], retrieved from FRED.
Last Checked: 8/1/2025