Revolving Consumer Credit Owned and Securitized
REVOLSL • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,297,032.02
Year-over-Year Change
-2.53%
Date Range
1/1/1968 - 6/1/2025
Summary
Revolving Consumer Credit Owned and Securitized tracks the total outstanding credit card and revolving credit balances held by financial institutions. This metric provides critical insight into consumer spending patterns, financial health, and potential economic stress.
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 the aggregate value of revolving credit instruments that have been retained by lenders or packaged into securities for investment. Economists use this indicator to assess consumer borrowing behavior, credit market liquidity, and potential leading signals of economic expansion or contraction.
Methodology
Data is collected through comprehensive reporting by financial institutions to the Federal Reserve, aggregating credit balances across banks, credit unions, and other lending entities.
Historical Context
Policymakers and financial analysts use this trend to inform monetary policy decisions, assess consumer financial resilience, and predict potential economic shifts.
Key Facts
- Represents total revolving credit balances in the U.S. financial system
- Includes credit card and other revolving credit instruments
- Provides real-time insight into consumer borrowing and spending patterns
FAQs
Q: What does revolving consumer credit include?
A: Revolving consumer credit primarily includes credit card balances and lines of credit that can be repeatedly borrowed and repaid.
Q: How does this metric relate to economic health?
A: Rising revolving credit can indicate consumer confidence and spending, while sharp increases might signal potential financial stress or economic uncertainty.
Q: How often is this data updated?
A: The Federal Reserve typically updates this series monthly, providing a current snapshot of consumer credit trends.
Q: Why do economists track this metric?
A: It serves as a leading indicator of consumer behavior, potential economic growth, and overall financial market conditions.
Q: What are the limitations of this data?
A: The metric does not distinguish between different types of revolving credit or individual consumer circumstances, providing an aggregate view.
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Related Trends
Nonrevolving Consumer Credit Owned and Securitized by Nonfinancial Business
DTCTLNHNNM
Revolving Consumer Credit Owned by Credit Unions
REVOLNCU
Total Consumer Credit Owned by Nonfinancial Business
TOTALNFC
Total Consumer Credit Owned by Finance Companies, Flow
FLTOTALFC
Revolving Consumer Credit Securitized by Finance Companies
G19DTCNLRHFNM
Nonrevolving Consumer Credit Owned and Securitized by Finance Companies, Flow
DTCTLNHFXDFBANM
Citation
U.S. Federal Reserve, Revolving Consumer Credit Owned and Securitized [REVOLSL], retrieved from FRED.
Last Checked: 8/1/2025