Skip to main content
Macro by MarkMacro by Mark
  • Home
  • News
  • Calendar
  • Indicators
  • Macro
  • About
Sign inSign up
Sign up
Macro by Mark

Global economic data, empirical models, and macro theory
All in one workspace

Public data from government agencies and multilateral statistical releases, anchored in official sources.

© 2026 Mark Jayson Nation

Product

  • Home
  • Indicators
  • News
  • Calendar
  • Pricing

Macro

  • Overview
  • World
  • Models
  • Labs
  • Glossary

Learn

  • Concepts
  • Schools
  • Policy
  • History
  • Simulators

Account

  • Create account
  • Sign in
  • Free Trial
  • Help
  • Trust and security

Contact

  • Feedback
  • Customer Support
  • FAQ
  • Buy me a coffee
AboutDocsPrivacy PolicyTerms of ServiceEthics and ComplianceEditorial process
Indicators/Topics/Consumer/Consumer credit/United States

United States

Consumer credit

Credit outstanding to households.

IndicatorsConsumerConsumer credit - United States
FRED
FrequencyquarterlyTransformlevel

Source: FRED · RCCCBPCTCLINC

Stored official data

Consumer credit - United States in United States was 3.72% on October 1, 2025, higher by 0.22% (+6.3%) from the prior observation. Charted from quarterly observations in %.

Latest3.72%
QoQ+6.29%
YoY+9.73%
10Y Avg3.38%
Latest observationOctober 1, 2025
Model surprise+0.14%

Timeframe

Value transform

Version overlay

Chart appearance

Overlays & outputNBER bandsAuto Y
Axis & export

Consumer credit - United States time series chart. Showing observations from 2012 07-01 to 2025 10-01. Latest value 3.72%.

Min1.09%
Mean3.04%
Max4.42%
Latest observationOctober 1, 2025

Source evidence

Tier 1 - criticalU.S. macro backbone via St. Louis Fed; revision/vintage capable.Action: deepen nowExpected coverage: 800,000 series.
Source noteProvider health
SourceFederal Reserve Bank of St. Louis (FRED)
FRED
Native keyProvider-native identifier used to reconcile this country/provider series.
RCCCBPCTCLINC
FreshnessDisplayed as stored official data.The provider-backed series is outside its expected freshness window, so this view should be refreshed before production use.Fetched: May 24, 2026.Latest observation flag: Preliminary.
Stored · 2025-10-01
HistoryPoint-in-time data via the FRED ALFRED endpoint. Each request returns the values as they were published on the supplied vintage date.Vintage history is derived from FRED ALFRED's realtime_start/realtime_end query parameters.
Source-native vintage
ReuseCommercial use: dataset specific.Redistribution: review required.Do not treat FRED as an automatically reusable commercial-display source. Prefer direct BEA, BLS, Census, FRB, Treasury, and EIA feeds where possible.Source: FRED, Federal Reserve Bank of St. Louis (RCCCBPCTCLINC). Accessed 2026-05-24. Underlying-source rights may differ.
Dataset exceptions

Research notes

80 · Acceptable
ComparabilityAggregator is not the statistical authority: Use the source agency, source code, and methodology link when citing or reconciling with official releases.Seasonal-adjustment status needs attention: Prefer same-adjustment comparisons, or transform to year-over-year changes before cross-series comparison.
2 notes
QualitySource authority: 82/100. Aggregator source: useful access layer, but official methodology remains with the originating agency.Methodology completeness: 100/100. 100% of core provider, geography, unit, frequency, citation, and revision fields are populated.Timeliness and freshness: 90/100. 54 observations available; latest observation 2025-10-01; platform fetch 2026-05-24T12:24:50.402Z; release status none; data status liveRevision and vintage depth: 100/100. Point-in-time data via the FRED ALFRED endpoint. Each request returns the values as they were published on the supplied vintage date.
3/6 strong
CitationConsumer credit - United States (FRED (St. Louis Fed): RCCCBPCTCLINC, United States, retrieved May 24, 2026)
Retrieved May 24, 2026

Continue browsing

Browse all Consumer indicatorsAdjacent concepts across providers and countries.View United States macro coverageEvery curated indicator for this country.View FRED catalogFilter the discovery catalog by this provider.
Series details, provenance, and revision toolsMetadata, release notes, revision history, and related series.

Series details

SourceFederal Reserve Bank of St. Louis (FRED)
CategoryConsumer
FrequencyQuarterly
Unit%
Latest observationOctober 1, 2025
Platform last fetchMay 24, 2026
Transformslevel, annualized, yoy, index 100
About this series

Large Bank Consumer Credit Card Balances: Percentage of Accounts with Credit Line Increase

Related measures

Adjacent and similar concepts available for United States.

Real consumer spendingDisposable incomeRetail salesPersonal saving rate
Open country pivot

The reading right now

As of October 2025, Consumer credit for United States stood at 3.72%. That is up 0.22 percentage points from the prior quarter. Over the trailing five years, the series has averaged 3.57%, ranging from a low of 2.34% in October 2020 to a high of 4.42% in October 2021. The current reading sits 0.36 percentage points above its trailing ten-year mean of 3.36%.

Computed from the observation series on this page. Numbers update when the underlying provider revises the data.