Total Securitized Consumer Credit
TOTALSEC • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
14,461.79
Year-over-Year Change
-4.26%
Date Range
1/1/1989 - 6/1/2025
Summary
Total Securitized Consumer Credit tracks the aggregate value of consumer loans that have been packaged and sold as investment securities. This metric provides critical insight into credit market dynamics, lending practices, and potential economic risk levels.
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 volume of consumer debt transformed into tradable financial instruments, including credit card debt, auto loans, and personal loans. Economists analyze this metric to understand credit market liquidity, investor appetite for consumer debt, and potential systemic financial risks.
Methodology
Data is collected and aggregated by the Federal Reserve through comprehensive financial institution reporting and securities market tracking.
Historical Context
Policymakers and financial regulators use this trend to assess credit market health, potential economic vulnerabilities, and potential monetary policy interventions.
Key Facts
- Represents the total value of consumer loans converted into tradable securities
- Indicates credit market liquidity and investor risk appetite
- Provides insights into broader economic lending conditions
FAQs
Q: What does securitized consumer credit mean?
A: Securitized consumer credit refers to consumer loans bundled together and sold as investment securities to investors. This process allows banks to transfer loan risk and generate additional capital.
Q: Why do lenders securitize consumer credit?
A: Lenders securitize consumer credit to free up capital, reduce risk exposure, and generate additional revenue by selling loan packages to institutional investors.
Q: How is TOTALSEC calculated?
A: TOTALSEC is calculated by aggregating the total value of consumer loans that have been packaged and sold as securities across various financial institutions.
Q: What does this trend indicate about the economy?
A: Rising TOTALSEC can indicate strong consumer confidence and lending activity, while declining values might suggest tightening credit markets or economic uncertainty.
Q: How often is this data updated?
A: The Federal Reserve typically updates Total Securitized Consumer Credit data quarterly, providing a current snapshot of credit market conditions.
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Nonrevolving Consumer Credit Securitized by Finance Companies
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Total Consumer Credit Securitized by Finance Companies, Flow
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Revolving Consumer Credit Owned by Depository Institutions, Flow
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Total Consumer Credit Owned and Securitized, Flow
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Total Consumer Credit Owned by Nonfinancial Business, Flow
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Total Consumer Credit Securitized by Finance Companies
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Citation
U.S. Federal Reserve, Total Securitized Consumer Credit [TOTALSEC], retrieved from FRED.
Last Checked: 8/1/2025