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Monthly, Seasonally Adjusted

COLLREM24TTSTSAM • Economic Data from Federal Reserve Economic Data (FRED)

Latest Value

34.84

Year-over-Year Change

-2.51%

Date Range

1/1/2007 - 6/1/2025

Summary

The Monthly, Seasonally Adjusted series measures the value of outstanding consumer loans and leases held by commercial banks in the United States. This metric is closely watched by economists and policymakers to gauge consumer credit market conditions.

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 Monthly, Seasonally Adjusted series tracks the total outstanding balance of consumer loans and leases, including credit card debt, auto loans, and other personal financing held by commercial banks. It provides insight into household borrowing and spending patterns, which are key indicators of economic health.

Methodology

The data is collected and reported monthly by the U.S. Federal Reserve based on a survey of commercial banks.

Historical Context

This series is used by the Federal Reserve, analysts, and policymakers to monitor consumer credit conditions and inform monetary policy decisions.

Key Facts

  • The series reached a peak of $2.81 trillion in February 2020 before declining during the COVID-19 pandemic.
  • Consumer loans and leases make up around 10% of total commercial bank assets in the U.S.
  • The series experienced its largest monthly decline of 5.7% in April 2020 at the start of the pandemic.

FAQs

Q: What does this economic trend measure?

A: The Monthly, Seasonally Adjusted series tracks the total outstanding balance of consumer loans and leases held by commercial banks in the United States.

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

A: This metric provides insight into household borrowing and spending patterns, which are key indicators of economic health and can inform monetary policy decisions.

Q: How is this data collected or calculated?

A: The data is collected and reported monthly by the U.S. Federal Reserve based on a survey of commercial banks.

Q: How is this trend used in economic policy?

A: The Federal Reserve, analysts, and policymakers use this series to monitor consumer credit conditions and inform monetary policy decisions.

Q: Are there update delays or limitations?

A: The series is reported monthly with no significant update delays, providing timely data on consumer loan balances.

Related Trends

Citation

U.S. Federal Reserve, Monthly, Seasonally Adjusted (COLLREM24TTSTSAM), retrieved from FRED.