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    Federal Reserve | Consumer Credit - G.19 Data

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    The G.19 Statistical Release, "Consumer Credit," reports outstanding credit extended to individuals for household, family, and other personal expenditures, excluding loans secured by real estate.

    Overview

    The source code outlining how this product gathers, transforms, revises and publishes its datasets is available at https://github.com/rearc-data/federal-reserve-consumer-credit .

    Main Overview

    The G.19 Statistical Release, "Consumer Credit," reports outstanding credit extended to individuals for household, family, and other personal expenditures, excluding loans secured by real estate.

    Total consumer credit comprises two major types: revolving and nonrevolving. Revolving credit plans may be unsecured or secured by collateral and allow a consumer to borrow up to a prearranged limit and repay the debt in one or more installments. Credit card loans comprise most of revolving consumer credit measured in the G.19, but other types, such as prearranged overdraft plans, are also included. Nonrevolving credit is closed-end credit extended to consumers that is repaid on a prearranged repayment schedule and may be secured or unsecured. To borrow additional funds, the consumer must enter into an additional contract with the lender. Consumer motor vehicle and education loans comprise the majority of nonrevolving credit, but other loan types, such as boat loans, recreational vehicle loans, and personal loans, are also included.

    The G.19 also reports selected terms of credit, including interest rates on new car loans, personal loans, and credit card plans at commercial banks. Historically, the G.19 also included series that measure the terms of credit for motor vehicle loans at finance companies.

    To learn about this data, please visit the About  webpage for this release on the Federal Reserve Board's website.

    Data Source

    The dataset included with this resource is presented in CSV, XLS and XML formats. The data files include the following data fields:

    • Series Description (Time Period, e.g. "2017-07")
    • Finance rate on consumer installment loans at commercial banks, new autos 48 month loan; not seasonally adjusted (Percent)
    • Finance rate on consumer installment loans at commercial banks, new autos 60 month loan; not seasonally adjusted (Percent)
    • Finance rate on personal loans at commercial banks, 24 month loan; not seasonally adjusted (Percent)
    • Commercial bank interest rate on credit card plans, all accounts; not seasonally adjusted (Percent)
    • Commercial bank interest rate on credit card plans, accounts assessed interest; not seasonally adjusted (Percent)
    • New car average finance rate at auto finance companies, not seasonally adjusted (discontinued after January 2011) (Percent)
    • Weighted-average maturity of new car loans at auto finance companies, not seasonally adjusted (discontinued after January 2011) (Months)
    • Loan-to-value ratio of new car loans at auto finance companies, not seasonally adjusted (discontinued after January 2011) (Percent)
    • Average amount financed for new car loans at auto finance companies, not seasonally adjusted (discontinued after January 2011) (Currency - USD)
    • Average maturity of new car loans at finance companies, amount of finance weighted, not seasonally adjusted (Months)
    • Average finance rate of new car loans at finance companies, amount of finance weighted, not seasonally adjusted (Percent)
    • Average amount financed for new car loans at finance companies, not seasonally adjusted (Currency - USD)
    • Percent change of total consumer credit, seasonally adjusted at an annual rate (Percent)
    • Percent change of total revolving consumer credit, seasonally adjusted at an annual rate (Percent)
    • Percent change of total nonrevolving consumer credit, seasonally adjusted at an annual rate (Percent)
    • Total consumer credit owned and securitized, seasonally adjusted level (Currency - USD)
    • Revolving consumer credit owned and securitized, seasonally adjusted level (Currency - USD)
    • Nonrevolving consumer credit owned and securitized, seasonally adjusted level (Currency - USD)
    • Total consumer credit owned and securitized, not seasonally adjusted level (Currency - USD)
    • Total consumer loans owned by depository institutions, not seasonally adjusted level (Currency - USD)
    • Total consumer loans owned by commercial banks, not seasonally adjusted level (discontinued after February 2011) (Currency - USD)
    • Total consumer loans owned by savings institutions, not seasonally adjusted level (discontinued after February 2011) (Currency - USD)
    • Total consumer loans owned by finance companies, not seasonally adjusted level (Currency - USD)
    • Total consumer loans owned by credit unions, not seasonally adjusted level (Currency - USD)
    • Total consumer loans owned by federal government, not seasonally adjusted level (Currency - USD)
    • Total consumer loans owned by nonprofit and educational institutions, not seasonally adjusted level (Currency - USD)
    • Total consumer loans owned by nonfinancial business, not seasonally adjusted level (Currency - USD)
    • Securitized total consumer loans, not seasonally adjusted level (Currency - USD)
    • Revolving consumer credit owned and securitized, not seasonally adjusted level (Currency - USD)
    • Consumer revolving credit owned by depository institutions, not seasonally adjusted level (Currency - USD)
    • Consumer revolving credit owned by commercial banks, not seasonally adjusted level (discontinued after February 2011) (Currency - USD)
    • Consumer revolving credit owned by savings institutions, not seasonally adjusted level (discontinued after February 2011) (Currency - USD)
    • Consumer revolving credit owned by finance companies, not seasonally adjusted level (Currency - USD)
    • Consumer revolving credit owned by credit unions, not seasonally adjusted level (Currency - USD)
    • Consumer revolving credit owned by nonfinancial business, not seasonally adjusted level (Currency - USD)
    • Securitized consumer revolving credit, not seasonally adjusted level (Currency - USD)
    • Nonrevolving consumer credit owned and securitized, not seasonally adjusted level (Currency - USD)
    • Nonrevolving consumer loans owned by depository institutions, not seasonally adjusted level (Currency - USD)
    • Nonrevolving consumer loans owned by commercial banks, not seasonally adjusted level (discontinued after February 2011) (Currency - USD)
    • Nonrevolving consumer loans owned by savings institutions, not seasonally adjusted level (discontinued after February 2011) (Currency - USD)
    • Nonrevolving consumer loans owned by finance companies, not seasonally adjusted level (Currency - USD)
    • Nonrevolving consumer loans owned by credit unions, not seasonally adjusted level (Currency - USD)
    • Nonrevolving consumer loans owned by federal government, not seasonally adjusted level (Currency - USD)
    • Nonrevolving consumer loans owned by nonprofit and educational institutions, not seasonally adjusted level (Currency - USD)
    • Nonrevolving consumer loans owned by nonfinancial business, not seasonally adjusted level (Currency - USD)
    • Securitized consumer nonrevolving credit, not seasonally adjusted level (Currency - USD)
    • Student loans owned and securitized, not seasonally adjusted level (Currency - USD)
    • Motor vehicle loans owned and securitized, not seasonally adjusted level (Currency - USD)
    • Total consumer credit owned and securitized, seasonally adjusted flow, monthly rate (Currency - USD)
    • Revolving consumer credit owned and securitized, seasonally adjusted flow, monthly rate (Currency - USD)
    • Nonrevolving consumer credit owned and securitized, seasonally adjusted flow, monthly rate (Currency - USD)
    • Total consumer credit owned and securitized, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Total consumer loans owned by depository institutions, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Total consumer loans owned by commercial banks, not seasonally adjusted flow, monthly rate (discontinued after February 2011) (Currency - USD)
    • Total consumer loans owned by savings institutions, not seasonally adjusted flow, monthly rate (discontinued after February 2011) (Currency - USD)
    • Total consumer loans owned by finance companies, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Total consumer loans owned by credit unions, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Total consumer loans owned by federal government, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Total consumer loans owned by nonprofit and educational institutions, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Total consumer loans owned by nonfinancial business, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Securitized total consumer loans, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Revolving consumer credit owned and securitized, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Consumer revolving credit owned by depository institutions, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Consumer revolving credit owned by commercial banks, not seasonally adjusted flow, monthly rate (discontinued after February 2011) (Currency - USD)
    • Consumer revolving credit owned by savings institutions, not seasonally adjusted flow, monthly rate (discontinued after February 2011) (Currency - USD)
    • Consumer revolving credit owned by finance companies, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Consumer revolving credit owned by credit unions, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Consumer revolving credit owned by nonfinancial business, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Securitized consumer revolving credit, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Nonrevolving consumer credit owned and securitized, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Nonrevolving consumer loans owned by depository institutions, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Nonrevolving consumer loans owned by commercial banks, not seasonally adjusted flow, monthly rate (discontinued after February 2011) (Currency - USD)
    • Nonrevolving consumer loans owned by savings institutions, not seasonally adjusted flow, monthly rate (discontinued after February 2011) (Currency - USD)
    • Nonrevolving consumer loans owned by finance companies, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Nonrevolving consumer loans owned by credit unions, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Nonrevolving consumer loans owned by federal government, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Nonrevolving consumer loans owned by nonprofit and educational institutions, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Nonrevolving consumer loans owned by nonfinancial business, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Securitized consumer nonrevolving credit, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Student loans owned and securitized, not seasonally adjusted flow, monthly rate (Currency - USD)
    • Motor vehicle loans owned and securitized, not seasonally adjusted flow, monthly rate (Currency - USD)

    More Information

    Contact Details

    • If you find any issues with or have enhancement ideas for this product, open up a GitHub issue  and we will gladly take a look at it. Better yet, submit a pull request. Any contributions you make are greatly appreciated ❤️.
    • If you are looking for specific open datasets currently not available on ADX, please submit a request on our project board here .
    • If you have questions about the source data, please contact the Federal Reserve Board .
    • If you have any other questions or feedback, send us an email at data@rearc.io .

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    You will receive access to the following data sets.

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