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Monthly, Not Seasonally Adjusted

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

Latest Value

63.97

Year-over-Year Change

-0.22%

Date Range

1/1/2007 - 5/1/2025

Summary

This trend measures the total value of outstanding consumer loans on a monthly, not seasonally adjusted basis. It provides insight into consumer credit conditions and borrowing behavior.

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 Consumer Loans, Total, Not Seasonally Adjusted series tracks the total dollar value of consumer loans outstanding across commercial banks, savings institutions, and other lenders. It is a key indicator of consumer credit and spending patterns in the United States.

Methodology

The data is collected from a survey of financial institutions and calculated by the Federal Reserve.

Historical Context

This trend is closely watched by economists, policymakers, and financial analysts to assess consumer credit conditions and the broader economic outlook.

Key Facts

  • Consumer loans totaled $4.4 trillion as of the latest reading.
  • This trend has increased by 38% over the past 10 years.
  • Consumer loans make up over a third of total household debt in the U.S.

FAQs

Q: What does this economic trend measure?

A: This trend measures the total outstanding value of consumer loans, including credit cards, auto loans, and other forms of household credit, on a monthly basis without seasonal adjustments.

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

A: The consumer loans trend provides insight into consumer credit conditions and household borrowing behavior, which are important indicators of economic activity and consumer confidence.

Q: How is this data collected or calculated?

A: The data is collected through a survey of financial institutions and calculated by the Federal Reserve.

Q: How is this trend used in economic policy?

A: Policymakers and economists monitor this trend to assess consumer credit conditions and their potential impact on consumer spending, inflation, and the broader economic outlook.

Q: Are there update delays or limitations?

A: The data is released monthly with a lag of approximately 6-8 weeks. There may be limitations in capturing all consumer loans, especially those from non-traditional lenders.

Related Trends

Citation

U.S. Federal Reserve, Consumer Loans, Total, Not Seasonally Adjusted (COLLRACTTTTSTM), retrieved from FRED.