Total Consumer Credit Owned by Depository Institutions
TOTALDI • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,983,005.00
Year-over-Year Change
-4.58%
Date Range
1/1/1943 - 6/1/2025
Summary
Total Consumer Credit Owned by Depository Institutions tracks the aggregate amount of consumer credit held by banks and similar financial institutions. This metric provides critical insight into consumer borrowing patterns and overall financial health of households.
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 trend represents the total outstanding consumer credit extended by depository institutions, including credit cards, personal loans, and other consumer lending products. Economists use this indicator to assess consumer spending capacity, credit market conditions, and potential economic momentum.
Methodology
Data is collected through regulatory reporting requirements from financial institutions and aggregated by the Federal Reserve.
Historical Context
Policymakers and financial analysts use this trend to evaluate consumer financial behavior, potential credit market risks, and broader economic stimulus indicators.
Key Facts
- Represents total consumer credit held by banks and financial institutions
- Reflects consumer borrowing capacity and economic sentiment
- Provides insights into potential consumer spending and economic growth
FAQs
Q: What does TOTALDI measure?
A: TOTALDI measures the total amount of consumer credit owned by depository institutions, including various types of consumer loans and credit products.
Q: Why is this metric important?
A: It helps economists and policymakers understand consumer financial health, borrowing trends, and potential economic momentum.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data monthly, providing a current snapshot of consumer credit markets.
Q: How does this trend relate to economic policy?
A: Policymakers use this metric to assess potential monetary interventions, credit market conditions, and consumer economic resilience.
Q: What are the limitations of this data?
A: The metric does not capture all forms of consumer credit and may not immediately reflect rapid market changes or emerging lending platforms.
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Related Trends
Revolving Consumer Credit Owned by Depository Institutions
REVOLNDI
Nonrevolving Consumer Credit Owned by Federal Government, Flow
FLNREVNGOV
Total Consumer Credit Owned by Credit Unions, Flow
FLTOTALTCU
Revolving Consumer Credit Owned by Nonfinancial Business, Flow
FLREVOLNNFC
Nonrevolving Consumer Credit Owned by Credit Unions, Flow
FLNREVNCU
Nonrevolving Consumer Credit Owned and Securitized by Depository Institutions, Flow
DTCTLNHDXDFBANM
Citation
U.S. Federal Reserve, Total Consumer Credit Owned by Depository Institutions [TOTALDI], retrieved from FRED.
Last Checked: 8/1/2025