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Quarterly, Seasonally Adjusted

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

Latest Value

35.75

Year-over-Year Change

-0.23%

Date Range

1/1/2007 - 4/1/2025

Summary

The Quarterly, Seasonally Adjusted series measures the value of consumer loans extended by commercial banks. This metric is closely watched by economists and policymakers as a gauge of consumer credit conditions and household spending.

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 series tracks the total dollar value of outstanding consumer loans held by commercial banks in the United States. This data series is used to analyze trends in consumer credit, which can provide insights into household finances and broader economic activity.

Methodology

The Federal Reserve collects this data directly from commercial banks and applies seasonal adjustments.

Historical Context

Policymakers and market analysts monitor this metric to assess the availability of consumer credit and its potential impact on spending and economic growth.

Key Facts

  • Consumer loans held by commercial banks totaled $1.85 trillion as of Q4 2022.
  • The Quarterly, Seasonally Adjusted series has shown steady growth since the 2008 financial crisis.
  • Consumer loans account for approximately 10% of total assets held by U.S. commercial banks.

FAQs

Q: What does this economic trend measure?

A: The Quarterly, Seasonally Adjusted series measures the total dollar value of outstanding consumer loans held by commercial banks in the United States.

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

A: This metric provides insights into consumer credit conditions and household spending, which are important indicators for economists, policymakers, and market analysts.

Q: How is this data collected or calculated?

A: The Federal Reserve collects this data directly from commercial banks and applies seasonal adjustments to the raw figures.

Q: How is this trend used in economic policy?

A: Policymakers monitor this series to assess the availability of consumer credit and its potential impact on spending and economic growth, which can inform policy decisions.

Q: Are there update delays or limitations?

A: The Quarterly, Seasonally Adjusted series is published by the Federal Reserve on a quarterly basis, with a typical release lag of around 2-3 months.

Related Trends

Citation

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