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Monthly, Not Seasonally Adjusted

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

Latest Value

48.06

Year-over-Year Change

0.63%

Date Range

1/1/2007 - 5/1/2025

Summary

The Monthly, Not Seasonally Adjusted trend measures the value of consumer loans and revolving credit extended by commercial banks in the United States. This metric is closely watched by economists and policymakers to gauge consumer borrowing patterns and financial health.

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, Not Seasonally Adjusted series tracks the total outstanding value of loans and revolving credit accounts held by commercial banks. It provides insights into consumer borrowing behavior and can signal changes in household spending, debt levels, and overall economic conditions.

Methodology

The data is collected and reported monthly by the U.S. Federal Reserve based on surveys of commercial banking institutions.

Historical Context

This economic indicator is used by analysts, policymakers, and institutions to monitor consumer finance trends and their potential impact on the broader economy.

Key Facts

  • The series tracks $4.3 trillion in outstanding consumer loans and credit as of the latest data.
  • Consumer borrowing increased by 5.2% year-over-year in the most recent reporting period.
  • Commercial bank lending represents a significant portion of overall consumer credit in the U.S. economy.

FAQs

Q: What does this economic trend measure?

A: The Monthly, Not Seasonally Adjusted series measures the total value of consumer loans and revolving credit accounts held by commercial banks in the United States.

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

A: This indicator provides insights into consumer borrowing patterns and household financial health, which are important factors for understanding the broader economy.

Q: How is this data collected or calculated?

A: The data is collected and reported monthly by the U.S. Federal Reserve based on surveys of commercial banking institutions.

Q: How is this trend used in economic policy?

A: Policymakers and analysts use this metric to monitor consumer finance trends and their potential impact on the economy, informing decisions around monetary policy and financial regulations.

Q: Are there update delays or limitations?

A: The data is reported monthly with a typical 1-2 month lag, and may be subject to revisions as new information becomes available.

Related Trends

Citation

U.S. Federal Reserve, Monthly, Not Seasonally Adjusted (COLLRINTTFESTM), retrieved from FRED.