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Board of Governors of the Federal Reserve System

Consumer Credit - G.19

Current Release (PDF)

September 2013 Release Date*: November 7, 2013

Consumer credit increased at a seasonally adjusted annual rate of 5-1/4 percent during the third quarter. Revolving credit decreased at an annual rate of 2-1/4 percent, while nonrevolving credit increased at an annual rate of 8 percent. In September, consumer credit increased at a seasonally adjusted annual rate of 5-1/2 percent.

Consumer Credit Outstanding 1
Seasonally adjusted. Billions of dollars except as noted.
  Year Quarter Month
  2012 2013
  2008 2009 2010 2011r 2012r Q3 Q4 Q1 Q2 Q3p Julr Augr Sepp
Total percent change (annual rate)2 1.3 -3.9 -1.0 4.1 6.1 4.8 6.5 6.2 5.9 5.2 4.4 5.6 5.4
Revolving 0.2 -8.8 -7.6 0.2 0.4 0.4 0.3 1.5 1.2 -2.2 -2.6 -1.2 -2.9
Nonrevolving 3 2.0 -1.0 2.7 5.9 8.7 6.7 9.1 8.1 7.7 8.1 7.1 8.3 8.7
Total flow (annual rate)2,4 34.8 -103.7 -25.3 108.9 169.4 136.3 186.9 180.5 173.7 155.3 131.1 169.8 164.8
Revolving 2.3 -88.0 -69.4 1.8 3.3 3.3 2.7 13.1 10.3 -19.1 -21.8 -10.6 -24.7
Nonrevolving 3 32.5 -15.7 44.1 107.1 166.0 133.0 184.2 167.5 163.5 174.3 153.0 180.4 189.6
Total outstanding 2,651.4 2,553.5 2,648.1 2,757.0 2,924.3 2,877.6 2,924.3 2,969.5 3,012.9 3,051.7 3,023.8 3,038.0 3,051.7
Revolving 1,005.2 917.2 840.7 842.5 845.8 845.1 845.8 849.1 851.6 846.9 849.8 848.9 846.9
Nonrevolving 3 1,646.2 1,636.3 1,807.4 1,914.5 2,078.5 2,032.5 2,078.5 2,120.4 2,161.2 2,204.8 2,174.0 2,189.0 2,204.8
 
Terms of Credit 5
Not seasonally adjusted. Percent except as noted.
Commercial banks
Interest rates
48-mo. new car 7.02 6.72 6.21 5.73 4.91 4.88 4.82 4.69 4.13 4.46 n.a. 4.46 n.a.
24-mo. personal 11.37 11.10 10.87 10.88 10.71 10.37 10.64 10.12 10.34 10.13 n.a. 10.13 n.a.
Credit card plans
All accounts 12.08 13.40 13.78 12.74 12.06 11.95 11.88 11.93 11.95 11.88 n.a. 11.88 n.a.
Accounts assessed interest 13.57 14.31 14.26 13.09 12.96 13.21 12.81 13.01 12.76 13.11 n.a. 13.11 n.a.
 
Finance companies (new car loans)6
Interest rates 5.52 3.82 4.26 4.73 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a.
Maturity (months) 63.4 62.0 63.0 62.3 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a.
Loan-to-value ratio 91 90 86 80 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a.
Amount financed (dollars) 26,178 28,272 27,959 26,673 n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a. n.a.

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Consumer Credit Outstanding (Levels) 1
(Billions of dollars)
Not seasonally adjusted
  Year Quarter Month
  2012 2013
  2008 2009 2010 2011r 2012 Q3 Q4 Q1 Q2 Q3p Julr Augr Sepp
Total 2,651.4 2,553.5 2,648.1 2,757.0 2,924.3 2,859.4 2,924.3 2,924.4 2,968.3 3,033.5 2,980.0 3,017.2 3,033.5
 
Major holders
Depository institutions 965.0 906.3 1,185.5 1,192.6 1,218.6 1,186.1 1,218.6 1,191.3 1,211.5 1,222.5 1,214.2 1,224.6 1,222.5
Finance companies 554.3 471.9 705.0 687.6 679.8 676.6 679.8 671.3 674.6 678.5 675.5 676.7 678.5
Credit unions 236.2 237.1 226.5 223.0 243.6 236.7 243.6 245.5 253.8 262.5 256.5 259.9 262.5
Federal government 7 135.1 223.1 356.2 484.7 616.8 596.6 616.8 659.5 674.6 716.0 679.9 702.4 716.0
Nonprofit and educational institutions 8 94.6 88.8 78.4 74.5 67.1 67.5 67.1 65.0 63.8 62.6 63.4 62.9 62.6
Nonfinancial business 48.9 45.0 46.2 48.5 48.5 47.8 48.5 42.0 42.0 42.6 42.1 42.5 42.6
Pools of securitized assets 9,10 610.2 572.5 50.3 46.2 49.9 47.9 49.9 49.8 48.0 48.8 48.4 48.3 48.8
 
Major types of credit, by holder
Revolving 1,005.2 917.2 840.7 842.5 845.8 813.0 845.8 804.9 814.8 814.7 814.9 819.9 814.7
Depository institutions 430.1 373.9 664.7 663.9 676.5 648.5 676.5 645.6 655.3 655.3 654.3 659.7 655.3
Finance companies 62.0 38.3 81.5 82.9 71.4 69.8 71.4 67.0 67.6 66.9 67.4 67.4 66.9
Credit unions 33.4 35.4 36.3 37.9 38.9 38.1 38.9 39.4 40.1 41.1 40.6 41.1 41.1
Federal government 7 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonprofit and educational institutions 8 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonfinancial business 29.7 27.6 26.8 27.9 27.9 26.9 27.9 21.4 21.6 21.7 21.6 21.8 21.7
Pools of securitized assets 9,10 450.0 441.9 31.4 29.8 31.2 29.6 31.2 31.6 30.1 29.8 31.0 30.0 29.8
Nonrevolving 1,646.2 1,636.3 1,807.4 1,914.5 2,078.5 2,046.3 2,078.5 2,119.5 2,153.6 2,218.7 2,165.1 2,197.3 2,218.7
Depository institutions 534.8 532.3 520.8 528.7 542.2 537.7 542.2 545.7 556.2 567.2 559.9 564.9 567.2
Finance companies 499.4 442.5 623.5 604.6 608.4 606.8 608.4 604.3 607.0 611.5 608.2 609.3 611.5
Credit unions 202.8 201.7 190.1 185.1 204.8 198.5 204.8 206.2 213.6 221.4 215.9 218.8 221.4
Federal government 7 135.1 223.1 356.2 484.7 616.8 596.6 616.8 659.5 674.6 716.0 679.9 702.4 716.0
Nonprofit and educational institutions 8 94.6 88.8 78.4 74.5 67.1 67.5 67.1 65.0 63.8 62.6 63.4 62.9 62.6
Nonfinancial business 19.2 17.3 19.4 20.6 20.6 20.9 20.6 20.6 20.5 20.9 20.4 20.8 20.9
Pools of securitized assets 9,10 160.2 130.5 19.0 16.4 18.7 18.3 18.7 18.3 17.9 19.0 17.4 18.3 19.0
 
Memo
Student Loans 11 730.7 831.6 912.4 1,012.3 1,131.3 1,114.8 1,131.3 1,168.9 1,178.6 1,214.0 n.a. n.a. 1,214.0
Motor Vehicle Loans 12 777.1 718.9 712.9 750.7 808.5 798.2 808.5 820.4 840.5 861.7 n.a. n.a. 861.7
 

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Consumer Credit Outstanding (Flows) 1
(Billions of dollars; annual rate)
Not seasonally adjusted
  Year Quarter Month
  2012 2013
  2008 2009 2010 2011r 2012 Q3 Q4 Q1 Q2 Q3p Julr Augr Sepp
Total 34.8 -103.7 -25.3 108.9 169.4 241.5 259.9 0.4 175.7 260.5 140.2 446.5 194.8
 
Major holders
Depository institutions 70.1 -64.5 -70.3 7.1 28.1 46.7 130.0 -109.5 80.9 44.0 32.9 123.8 -24.7
Finance companies -17.9 -82.4 -13.4 -17.4 -7.8 5.5 12.6 -34.0 13.2 15.5 11.6 13.5 21.4
Credit unions -0.4 0.9 -10.7 -3.4 20.6 22.0 27.9 7.6 32.9 35.0 32.8 40.2 31.9
Federal government 7 19.5 87.9 133.1 128.5 132.1 175.0 80.6 171.1 60.1 165.8 64.0 269.8 163.6
Nonprofit and educational institutions 8 7.1 -5.8 -10.4 -3.9 -7.4 -13.6 -1.8 -8.6 -4.5 -4.7 -5.2 -5.7 -3.3
Nonfinancial business -2.6 -3.9 -2.5 2.3 0.0 2.1 2.8 -26.1 0.3 2.0 0.1 5.9 0.1
Pools of securitized assets 9,10 -42.3 -37.8 -42.3 -4.2 3.7 3.9 7.8 -0.1 -7.2 2.9 3.9 -0.9 5.7
 
Major types of credit, by holder
Revolving 2.3 -88.0 -69.4 1.8 3.3 22.2 131.2 -163.7 39.5 -0.1 1.4 60.4 -62.0
Depository institutions 31.9 -56.2 -34.4 -0.8 12.6 11.6 111.9 -123.6 39.0 -0.3 -12.4 64.8 -53.3
Finance companies -15.3 -23.8 0.5 1.4 -11.6 3.9 6.2 -17.6 2.5 -2.7 -2.4 0.0 -5.7
Credit unions 2.4 2.0 0.9 1.6 0.9 3.1 3.0 2.0 3.0 3.9 5.6 5.7 0.4
Federal government 7 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonprofit and educational institutions 8 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonfinancial business -1.2 -2.1 -4.6 1.1 0.0 0.5 3.8 -26.1 0.8 0.4 0.5 1.8 -1.0
Pools of securitized assets 9,10 -15.5 -8.0 -31.9 -1.6 1.4 3.1 6.2 1.6 -5.8 -1.4 10.0 -11.9 -2.3
Nonrevolving 32.5 -15.7 44.1 107.1 166.0 219.3 128.7 164.0 136.2 260.6 138.8 386.1 256.8
Depository institutions 38.2 -8.3 -36.0 7.8 15.5 35.1 18.1 14.1 41.9 44.3 45.3 59.0 28.6
Finance companies -1.2 -56.9 -22.7 -18.8 3.8 1.6 6.3 -16.4 10.7 18.2 14.0 13.4 27.1
Credit unions -2.7 -1.1 -11.6 -5.0 19.7 18.9 24.9 5.6 29.9 31.1 27.3 34.5 31.6
Federal government 7 19.5 87.9 133.1 128.5 132.1 175.0 80.6 171.1 60.1 165.8 64.0 269.8 163.6
Nonprofit and educational institutions 8 7.1 -5.8 -10.4 -3.9 -7.4 -13.6 -1.8 -8.6 -4.5 -4.7 -5.2 -5.7 -3.3
Nonfinancial business -1.4 -1.9 2.1 1.2 0.0 1.6 -1.1 -0.1 -0.5 1.6 -0.4 4.0 1.2
Pools of securitized assets 9,10 -26.8 -29.7 -10.4 -2.6 2.3 0.8 1.6 -1.7 -1.4 4.3 -6.1 11.0 8.0
 
Memo
Student Loans 11 93.7 101.0 80.8 99.9 119.0 127.7 66.0 150.3 38.7 141.6 n.a. n.a. 141.6
Motor Vehicle Loans 12 -23.9 -58.2 -41.0 17.2 59.8 84.3 41.0 47.6 80.6 84.8 n.a. n.a. 84.8
 

*This release is generally issued on the fifth business day of each month. See the Statistical Release Schedule for more information.

Footnotes

  1. Covers most short- and intermediate-term credit extended to individuals, excluding loans secured by real estate.
  2. The series for consumer credit outstanding and its components may contain breaks that result from discontinuities in source data. Percent changes are adjusted to exclude the effect of such breaks. In addition, percent changes are at a simple annual rate and are calculated from unrounded data.
  3. Includes motor vehicle loans and all other loans not included in revolving credit, such as loans for mobile homes, education, boats, trailers, or vacations. These loans may be secured or unsecured.
  4. Flow data represent changes in the level of credit due to economic and financial activity, and exclude breaks in the data series due to changes in methodology, source data, and other technical aspects of the estimation that could affect the level of credit.
  5. Interest rates are annual percentage rates (APR) as specified by the Federal Reserve's Regulation Z. Interest rates for new-car loans and personal loans at commercial banks are simple unweighted averages of each bank's most common rate charged during the first calendar week of the middle month of each quarter. For credit card accounts, the rate for all accounts is the stated APR averaged across all credit card accounts at all reporting banks. The rate for accounts assessed interest is the annualized ratio of total finance charges at all reporting banks to the total average daily balances against which the finance charges were assessed (excludes accounts for which no finance charges were assessed).
  6. The statistical foundation for these series has deteriorated. Therefore, publication of these series is temporarily being suspended. The statistical foundation is in the process of being improved, and publication will resume as soon as possible.
  7. Includes student loans originated by the Department of Education under the Federal Direct Loan Program and the Perkins Loan Program, as well as Federal Family Education Program loans that the government purchased under the Ensuring Continued Access to Student Loans Act.
  8. Includes student loans originated under the Federal Family Education Loan Program and held by educational institutions and nonprofit organizations that are affiliated with state governments.
  9. Outstanding balances of pools upon which securities have been issued; these balances are no longer carried on the balance sheets of the loan originators.
  10. The shift of consumer credit from pools of securitized assets to other categories is largely due to financial institutions' implementation of the FAS 166/167 accounting rules.
  11. Includes student loans originated under the Federal Family Education Loan Program and the Direct Loan Program; Perkins loans; and private student loans without government guarantees. This memo item includes loan balances that are not included in the nonrevolving credit balances. For additional information, see public documentation. Data for this memo item are released for each quarter-end month.
  12. Includes motor vehicle loans owned and securitized by depository institutions, finance companies, credit unions, and nonfinancial business. Includes loans for passenger cars and other vehicles such as minivans, vans, sport-utility vehicles, pickup trucks, and similar light trucks for personal use. Loans for boats, motorcycles and recreational vehicles are not included. Data for this memo item are released for each quarter-end month.
r=revised. p=preliminary. n.a.=not available. ...=not applicable.

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Last update: November 7, 2013
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