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Quarterly, Seasonally Adjusted

COLLFACTTFESTSAQ • Economic Data from Federal Reserve Economic Data (FRED)

Latest Value

11,058,390.00

Year-over-Year Change

4.53%

Date Range

1/1/2007 - 4/1/2025

Summary

This economic trend measures the total value of U.S. consumer debt balances on a quarterly, seasonally adjusted basis. It is a key indicator of consumer financial health and spending power.

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 Quarterly, Seasonally Adjusted consumer debt balance trend tracks the total outstanding balances across major consumer debt categories including credit cards, auto loans, and student loans. It provides insights into household deleveraging or increased borrowing over time.

Methodology

This data is collected and calculated by the U.S. Federal Reserve from consumer credit reports and other financial sources.

Historical Context

Policymakers and analysts use this data to assess consumer financial conditions and the broader economic outlook.

Key Facts

  • Consumer debt balances reached a record high of $16.5 trillion in Q4 2022.
  • Credit card debt accounts for over $1 trillion of total consumer debt.
  • Student loan debt makes up more than $1.7 trillion of consumer liabilities.

FAQs

Q: What does this economic trend measure?

A: This trend measures the total outstanding consumer debt balances in the United States on a quarterly, seasonally adjusted basis.

Q: Why is this trend relevant for users or analysts?

A: This data provides important insights into household financial health and consumer spending power, which are key factors in the broader economic outlook.

Q: How is this data collected or calculated?

A: The data is collected and calculated by the U.S. Federal Reserve from consumer credit reports and other financial sources.

Q: How is this trend used in economic policy?

A: Policymakers and analysts use this data to assess consumer financial conditions and make informed decisions about monetary and fiscal policies.

Q: Are there update delays or limitations?

A: The data is released on a quarterly basis with a lag of approximately 2-3 months.

Related Trends

Citation

U.S. Federal Reserve, Quarterly, Seasonally Adjusted (COLLFACTTFESTSAQ), retrieved from FRED.