Total Consumer Credit Owned and Securitized
TOTALSL • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
5,054,679.45
Year-over-Year Change
0.51%
Date Range
1/1/1943 - 6/1/2025
Summary
Total Consumer Credit Owned and Securitized tracks the aggregate amount of consumer debt across the United States, including credit cards, auto loans, and personal loans. This metric provides critical insight into consumer financial health, spending patterns, and overall economic activity.
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 held by financial institutions and investors, reflecting consumer borrowing capacity and economic confidence. Economists use this indicator to assess consumer spending potential, credit market conditions, and potential economic expansion or contraction.
Methodology
Data is collected through comprehensive reporting from financial institutions, aggregated and verified by the Federal Reserve's statistical tracking systems.
Historical Context
Policymakers and central banks use this trend to inform monetary policy decisions, assess economic stimulus effectiveness, and predict potential financial system risks.
Key Facts
- Represents total consumer credit across multiple lending categories
- Provides real-time snapshot of consumer borrowing and financial health
- Crucial indicator for understanding economic momentum and consumer confidence
FAQs
Q: What types of credit are included in this metric?
A: The metric includes credit cards, auto loans, personal loans, and other consumer lending products held by financial institutions.
Q: How does consumer credit impact the broader economy?
A: Higher consumer credit can indicate economic growth and consumer confidence, while excessive levels might signal potential financial stress.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data monthly, providing a current view of consumer credit trends.
Q: What can changes in consumer credit indicate?
A: Significant increases or decreases can signal shifts in consumer spending, economic expectations, and overall financial market conditions.
Q: Are there limitations to this economic indicator?
A: While comprehensive, the metric doesn't capture all forms of consumer debt and should be analyzed alongside other economic indicators.
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Related Trends
Nonrevolving Consumer Credit Owned by Depository Institutions
NREVNDI
Revolving Consumer Credit Securitized by Depository Institutions
DTCNLRHDNM
Revolving Consumer Credit Owned by Finance Companies
REVOLNFC
Revolving Consumer Credit Owned and Securitized by Finance Companies
G19DTCTLRHFNM
Nonrevolving Consumer Credit Owned and Securitized, Flow
FLNONREVSL
Revolving Securitized Consumer Credit
REVOLNSEC
Citation
U.S. Federal Reserve, Total Consumer Credit Owned and Securitized [TOTALSL], retrieved from FRED.
Last Checked: 8/1/2025