Consumer Credit Outstanding 1 Seaso

Consumer Credit Outstanding 1
Seasonally adjusted. Billions of dollars except as noted.
Year Quarter Month
2014 2015
2010 2011 2012 2013 2014 Q3 Q4 Q1 Q2r Q3r Augr Sepr Octp
Total percent change (annual rate)2 -1.0 4.1 6.1 6.0 7.0 6.9 6.1 5.6 8.5 7.2 5.1 9.9 5.5
Revolving -7.6 0.2 0.6 1.4 3.7 3.5 3.0 0.4 8.7 5.8 4.1 8.7 0.2
Nonrevolving 3 2.7 5.9 8.6 7.9 8.3 8.2 7.3 7.5 8.4 7.7 5.4 10.3 7.4
Total flow (annual rate)2,4 -25.3 108.6 169.4 175.9 218.4 222.8 199.0 184.8 285.8 246.3 175.4 342.8 191.8
Revolving -69.9 1.8 4.7 12.3 31.8 30.6 26.2 3.4 77.7 52.7 37.2 79.8 2.1
Nonrevolving 3 44.5 106.8 164.8 163.7 186.6 192.2 172.9 181.5 208.1 193.6 138.2 263.0 189.6
Total outstanding 2,646.9 2,755.4 2,922.9 3,098.8 3,317.2 3,267.5 3,317.2 3,363.4 3,434.9 3,496.4 3,467.9 3,496.4 3,512.4
Revolving 839.5 841.2 845.9 858.2 890.0 883.4 890.0 890.8 910.2 923.4 916.8 923.4 923.6
Nonrevolving 3 1,807.4 1,914.2 2,077.0 2,240.6 2,427.2 2,384.0 2,427.2 2,472.6 2,524.6 2,573.0 2,551.1 2,573.0 2,588.8

Terms of Credit Not seasonally adjusted. Percent except as noted.
Commercial bank interest rates 5
New car loans
48-month new car 6.21 5.73 4.91 4.43 4.24 4.16 4.06 4.53 4.31 4.11 4.11 n.a. n.a.
60-month new car 6.28 5.70 4.82 4.46 4.25 4.11 4.07 4.27 4.21 4.27 4.27 n.a. n.a.
Credit card plans
All accounts 13.78 12.74 12.06 11.91 11.87 11.82 11.99 11.98 12.04 12.10 12.10 n.a. n.a.
Accounts assessed interest 14.26 13.09 12.96 12.95 13.19 13.18 13.68 13.53 13.49 13.93 13.93 n.a. n.a.
Personal loans
24-month 10.87 10.88 10.71 10.20 10.22 10.73 10.47 9.85 9.69 9.98 9.98 n.a. n.a.

Finance companies (new car loans)6
Interest rates 4.7 4.4 4.6 4.7 4.9 4.7 4.8 5.2 5.4 4.9 n.a. 4.9 n.a.
Maturity (months) 61 61 62 63 64 64 65 65 65 66 n.a. 66 n.a.
Amount financed (dollars) 25,477 25,121 25,341 25,586 26,288 26,371 26,755 27,272 26,932 27,698 n.a. 27,698 n.a.

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Consumer Credit Outstanding (Levels) 1
(Billions of dollars)
Not seasonally adjusted
Year Quarter Month
2014 2015
2010 2011 2012 2013 2014 Q3 Q4 Q1 Q2r Q3r Augr Sepr Octp
Total 2,646.9 2,755.4 2,922.9 3,098.8 3,317.2 3,249.0 3,317.2 3,321.1 3,395.0 3,478.0 3,448.7 3,478.0 3,488.8

Major holders
Depository institutions 1,185.5 1,192.6 1,218.6 1,271.6 1,343.1 1,305.4 1,343.1 1,312.1 1,349.6 1,383.6 1,374.1 1,383.6 1,389.3
Finance companies 705.0 687.6 679.8 679.1 684.1 676.6 684.1 677.5 682.1 689.3 684.9 689.3 688.4
Credit unions 226.5 223.0 243.6 265.6 302.8 293.3 302.8 307.7 322.7 333.4 330.2 333.4 335.5
Federal government 7 356.2 484.7 616.8 729.8 840.9 825.9 840.9 881.8 896.0 931.6 918.0 931.6 938.1
Nonprofit and educational institutions 8 78.4 74.5 65.6 59.3 53.6 55.2 53.6 51.9 50.1 48.6 49.3 48.6 48.1
Nonfinancial business 45.0 46.9 48.4 44.3 43.0 43.5 43.0 41.9 43.3 43.6 43.6 43.6 41.5
Pools of securitized assets 9,10 50.3 46.2 50.0 49.1 49.8 49.1 49.8 48.2 51.2 48.0 48.6 48.0 47.9

Major types of credit, by holder
Revolving 839.5 841.2 845.9 858.2 890.0 849.7 890.0 848.1 874.1 889.7 887.6 889.7 890.3
Depository institutions 664.7 663.9 676.5 693.5 731.6 693.4 731.6 696.8 719.9 737.0 734.0 737.0 739.9
Finance companies 81.5 82.9 71.4 67.1 60.3 60.8 60.3 56.8 57.5 57.6 57.3 57.6 57.3
Credit unions 36.3 37.9 38.9 43.4 46.8 44.5 46.8 45.2 46.1 47.5 47.5 47.5 47.6
Federal government 7 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonprofit and educational institutions 8 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonfinancial business 25.5 26.7 28.0 23.7 22.4 22.8 22.4 21.3 22.8 22.9 23.0 22.9 20.9
Pools of securitized assets 9,10 31.4 29.8 31.2 30.5 28.9 28.2 28.9 28.0 27.8 24.7 25.7 24.7 24.7
Nonrevolving 1,807.4 1,914.2 2,077.0 2,240.6 2,427.2 2,399.3 2,427.2 2,473.1 2,520.9 2,588.3 2,561.1 2,588.3 2,598.5
Depository institutions 520.8 528.7 542.2 578.1 611.6 612.0 611.6 615.3 629.7 646.6 640.0 646.6 649.5
Finance companies 623.5 604.6 608.4 612.1 623.8 615.9 623.8 620.7 624.6 631.6 627.7 631.6 631.1
Credit unions 190.1 185.1 204.8 222.2 256.0 248.7 256.0 262.5 276.6 285.8 282.6 285.8 287.9
Federal government 7 356.2 484.7 616.8 729.8 840.9 825.9 840.9 881.8 896.0 931.6 918.0 931.6 938.1
Nonprofit and educational institutions 8 78.4 74.5 65.6 59.3 53.6 55.2 53.6 51.9 50.1 48.6 49.3 48.6 48.1
Nonfinancial business 19.4 20.3 20.4 20.5 20.5 20.7 20.5 20.6 20.5 20.7 20.6 20.7 20.6
Pools of securitized assets 9,10 19.0 16.4 18.8 18.6 20.9 20.9 20.9 20.2 23.4 23.3 22.8 23.3 23.2

Memo
Student Loans 11 843.9 943.0 1,050.7 1,141.5 1,230.1 1,221.1 1,230.1 1,265.1 1,272.9 1,303.0 n.a. 1,303.0 n.a.
Motor Vehicle Loans 12 713.5 751.2 809.2 878.8 957.8 943.4 957.8 972.2 998.3 1,030.1 n.a. 1,030.1 n.a.


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Consumer Credit Outstanding (Flows) 1
(Billions of dollars; annual rate)
Not seasonally adjusted
Year Quarter Month
2014 2015
2010 2011 2012 2013 2014 Q3 Q4 Q1 Q2r Q3r Augr Sepr Octp
Total -25.3 108.6 169.4 175.9 218.4 308.4 272.7 15.6 295.7 331.9 437.4 351.9 129.2

Major holders
Depository institutions -70.3 7.1 28.1 52.9 71.5 84.7 150.8 -123.9 149.8 136.1 171.7 114.5 68.7
Finance companies -22.2 -17.4 -7.8 -0.6 5.0 19.8 29.8 -26.5 18.4 28.7 20.4 51.8 -10.0
Credit unions -10.7 -3.4 20.6 21.9 37.2 39.2 38.1 19.8 60.0 42.6 35.3 38.7 25.6
Federal government 7 133.1 128.5 132.1 113.1 111.1 159.6 60.0 163.7 56.7 142.4 226.9 162.8 77.8
Nonprofit and educational institutions 8 -10.4 -3.9 -8.8 -6.3 -5.7 -7.3 -6.4 -6.7 -7.1 -6.3 -4.3 -8.7 -6.1
Nonfinancial business -2.5 2.0 1.5 -4.2 -1.3 1.1 -2.3 -4.3 5.7 1.1 4.0 -0.7 -24.6
Pools of securitized assets 9,10 -42.3 -4.1 3.8 -0.8 0.6 11.3 2.8 -6.5 12.2 -12.7 -16.7 -6.4 -2.2

Major types of credit, by holder
Revolving -69.9 1.8 4.7 12.3 31.8 40.3 161.0 -167.6 104.2 62.4 102.8 25.9 7.4
Depository institutions -34.4 -0.8 12.6 17.0 38.1 40.1 152.4 -139.0 92.3 68.5 100.5 35.6 34.2
Finance companies 0.5 1.4 -11.6 -4.3 -6.8 -4.4 -1.9 -14.0 2.8 0.4 -0.2 4.1 -3.8
Credit unions 0.9 1.6 0.9 4.5 3.4 4.8 9.1 -6.4 3.7 5.7 13.8 0.3 0.7
Federal government 7 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonprofit and educational institutions 8 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonfinancial business -5.0 1.1 1.3 -4.3 -1.3 0.3 -1.7 -4.4 6.0 0.3 1.8 -1.4 -23.8
Pools of securitized assets 9,10 -31.9 -1.6 1.4 -0.7 -1.6 -0.6 3.1 -3.8 -0.6 -12.6 -13.1 -12.6 0.0
Nonrevolving 44.5 106.8 164.8 163.7 186.6 268.1 111.7 183.3 191.5 269.6 334.5 326.0 121.8
Depository institutions -36.0 7.8 15.5 35.9 33.5 44.6 -1.7 15.1 57.5 67.5 71.2 78.9 34.4
Finance companies -22.7 -18.8 3.8 3.6 11.7 24.2 31.8 -12.6 15.6 28.3 20.7 47.7 -6.2
Credit unions -11.6 -5.0 19.7 17.4 33.8 34.4 28.9 26.3 56.3 37.0 21.5 38.4 24.9
Federal government 7 133.1 128.5 132.1 113.1 111.1 159.6 60.0 163.7 56.7 142.4 226.9 162.8 77.8
Nonprofit and educational institutions 8 -10.4 -3.9 -8.8 -6.3 -5.7 -7.3 -6.4 -6.7 -7.1 -6.3 -4.3 -8.7 -6.1
Nonfinancial business 2.5 0.9 0.2 0.1 0.0 0.8 -0.6 0.1 -0.2 0.8 2.2 0.7 -0.8
Pools of securitized assets 9,10 -10.4 -2.5 2.4 -0.2 2.2 11.8 -0.3 -2.6 12.7 -0.2 -3.6 6.2 -2.2

Memo
Student Loans 11 83.9 99.1 107.7 90.7 88.6 136.5 35.7 140.1 31.1 120.7 n.a. 120.7 n.a.
Motor Vehicle Loans 12 -40.6 17.1 60.0 69.6 79.0 100.6 57.7 57.4 104.5 127.1 n.a. 127.1 n.a.


*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 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 whic

ผลลัพธ์ (ไทย) 1:

Consumer Credit Outstanding 1 Seasonally adjusted. Billions of dollars except as noted. Year Quarter Month 2014 2015 2010 2011 2012 2013 2014 Q3 Q4 Q1 Q2r Q3r Augr Sepr Octp Total percent change (annual rate)2 -1.0 4.1 6.1 6.0 7.0 6.9 6.1 5.6 8.5 7.2 5.1 9.9 5.5 Revolving -7.6 0.2 0.6 1.4 3.7 3.5 3.0 0.4 8.7 5.8 4.1 8.7 0.2 Nonrevolving 3 2.7 5.9 8.6 7.9 8.3 8.2 7.3 7.5 8.4 7.7 5.4 10.3 7.4 Total flow (annual rate)2,4 -25.3 108.6 169.4 175.9 218.4 222.8 199.0 184.8 285.8 246.3 175.4 342.8 191.8 Revolving -69.9 1.8 4.7 12.3 31.8 30.6 26.2 3.4 77.7 52.7 37.2 79.8 2.1 Nonrevolving 3 44.5 106.8 164.8 163.7 186.6 192.2 172.9 181.5 208.1 193.6 138.2 263.0 189.6 Total outstanding 2,646.9 2,755.4 2,922.9 3,098.8 3,317.2 3,267.5 3,317.2 3,363.4 3,434.9 3,496.4 3,467.9 3,496.4 3,512.4 Revolving 839.5 841.2 845.9 858.2 890.0 883.4 890.0 890.8 910.2 923.4 916.8 923.4 923.6 Nonrevolving 3 1,807.4 1,914.2 2,077.0 2,240.6 2,427.2 2,384.0 2,427.2 2,472.6 2,524.6 2,573.0 2,551.1 2,573.0 2,588.8 Terms of Credit Not seasonally adjusted. Percent except as noted. Commercial bank interest rates 5 New car loans 48-month new car 6.21 5.73 4.91 4.43 4.24 4.16 4.06 4.53 4.31 4.11 4.11 n.a. n.a. 60-month new car 6.28 5.70 4.82 4.46 4.25 4.11 4.07 4.27 4.21 4.27 4.27 n.a. n.a. Credit card plans All accounts 13.78 12.74 12.06 11.91 11.87 11.82 11.99 11.98 12.04 12.10 12.10 n.a. n.a. Accounts assessed interest 14.26 13.09 12.96 12.95 13.19 13.18 13.68 13.53 13.49 13.93 13.93 n.a. n.a. สินเชื่อบุคคล 24 เดือน 10.87 10.88 10.71 10.20 10.22 10.73 10.47 9.85 9.69 9.98 9.98 n.a. n.a. บริษัททางการเงิน (สินเชื่อรถยนต์ใหม่) 6 สนใจราคาพิเศษ 4.7 4.4 4.6 4.7 4.9 4.7 4.8 5.2 5.4 4.9 n.a. 4.9 n.a. ครบกำหนดอายุ (เดือน) 61 61 62 63 64 64 65 65 65 66 n.a. 66 n.a. จำนวนเงิน (ดอลลาร์) 25,477 25,121 25,341 25,586 26,288 26,371 26,755 27,272 26,932 27,698 n.a. 27,698 n.a. กลับไปด้านบนสินเชื่อผู้บริโภคดีเด่น (ระดับ) 1 (พันล้านดอลลาร์)ไม่ปรับปรุง seasonally ปีไตรมาสเดือน 2014 2015 2010 2011 2012 2013 2014 Q3 Q4 Q1 Q2r Q3r Augr Sepr Octp รวม 2,646.9 2,755.4 2,922.9 3,098.8 3,317.2 3,249.0 3,317.2 3,321.1 3,395.0 3,478.0 3,448.7 3,478.0 3,488.8 ผู้ถือหลัก ฝากสถาบัน 1,185.5 1,192.6 1,218.6 1,271.6 1,343.1 1,305.4 1,343.1 1,312.1 1,349.6 1,383.6 1,374.1 1,383.6 1,389.3 ทางบริษัท 705.0 687.6 679.8 679.1 684.1 676.6 684.1 677.5 682.1 689.3 684.9 689.3 688.4 เครดิตสหภาพ 226.5 223.0 243.6 265.6 302.8 293.3 302.8 307.7 322.7 333.4 330.2 333.4 335.5 รัฐบาล 7 356.2 484.7 616.8 729.8 840.9 825.9 840.9 881.8 896.0 931.6 918.0 931.6 938.1 สถาบันไม่แสวงผลกำไร และการศึกษา 8 78.4 74.5 65.6 59.3 53.6 55.2 53.6 51.9 50.1 48.6 49.3 48.6 48.1 สา ธุรกิจ nonfinancial 45.0 46.9 48.4 44.3 43.0 43.5 43.0 41.9 43.3 43.6 43.6 43.6 41.5 ประเภทของสินทรัพย์ securitized 50.3 สา 9,10 46.2 50.0 49.1 49.8 49.1 49.8 48.2 51.2 48.0 48.6 48.0 47.9 ชนิดหลักของสินเชื่อ โดยยึด Revolving 839.5 841.2 845.9 858.2 890.0 849.7 890.0 848.1 874.1 889.7 887.6 889.7 890.3 Depository institutions 664.7 663.9 676.5 693.5 731.6 693.4 731.6 696.8 719.9 737.0 734.0 737.0 739.9 Finance companies 81.5 82.9 71.4 67.1 60.3 60.8 60.3 56.8 57.5 57.6 57.3 57.6 57.3 Credit unions 36.3 37.9 38.9 43.4 46.8 44.5 46.8 45.2 46.1 47.5 47.5 47.5 47.6 Federal government 7 ... ... ... ... ... ... ... ... ... ... ... ... ... Nonprofit and educational institutions 8 ... ... ... ... ... ... ... ... ... ... ... ... ... Nonfinancial business 25.5 26.7 28.0 23.7 22.4 22.8 22.4 21.3 22.8 22.9 23.0 22.9 20.9 Pools of securitized assets 9,10 31.4 29.8 31.2 30.5 28.9 28.2 28.9 28.0 27.8 24.7 25.7 24.7 24.7 Nonrevolving 1,807.4 1,914.2 2,077.0 2,240.6 2,427.2 2,399.3 2,427.2 2,473.1 2,520.9 2,588.3 2,561.1 2,588.3 2,598.5 Depository institutions 520.8 528.7 542.2 578.1 611.6 612.0 611.6 615.3 629.7 646.6 640.0 646.6 649.5 Finance companies 623.5 604.6 608.4 612.1 623.8 615.9 623.8 620.7 624.6 631.6 627.7 631.6 631.1 Credit unions 190.1 185.1 204.8 222.2 256.0 248.7 256.0 262.5 276.6 285.8 282.6 285.8 287.9 Federal government 7 356.2 484.7 616.8 729.8 840.9 825.9 840.9 881.8 896.0 931.6 918.0 931.6 938.1 Nonprofit and educational institutions 8 78.4 74.5 65.6 59.3 53.6 55.2 53.6 51.9 50.1 48.6 49.3 48.6 48.1 Nonfinancial business 19.4 20.3 20.4 20.5 20.5 20.7 20.5 20.6 20.5 20.7 20.6 20.7 20.6 Pools of securitized assets 9,10 19.0 16.4 18.8 18.6 20.9 20.9 20.9 20.2 23.4 23.3 22.8 23.3 23.2 Memo Student Loans 11 843.9 943.0 1,050.7 1,141.5 1,230.1 1,221.1 1,230.1 1,265.1 1,272.9 1,303.0 n.a. 1,303.0 n.a. Motor Vehicle Loans 12 713.5 751.2 809.2 878.8 957.8 943.4 957.8 972.2 998.3 1,030.1 n.a. 1,030.1 n.a. Back to topConsumer Credit Outstanding (Flows) 1 (Billions of dollars; annual rate)Not seasonally adjusted Year Quarter Month 2014 2015 2010 2011 2012 2013 2014 Q3 Q4 Q1 Q2r Q3r Augr Sepr Octp Total -25.3 108.6 169.4 175.9 218.4 308.4 272.7 15.6 295.7 331.9 437.4 351.9 129.2 Major holders Depository institutions -70.3 7.1 28.1 52.9 71.5 84.7 150.8 -123.9 149.8 136.1 171.7 114.5 68.7 Finance companies -22.2 -17.4 -7.8 -0.6 5.0 19.8 29.8 -26.5 18.4 28.7 20.4 51.8 -10.0 Credit unions -10.7 -3.4 20.6 21.9 37.2 39.2 38.1 19.8 60.0 42.6 35.3 38.7 25.6 Federal government 7 133.1 128.5 132.1 113.1 111.1 159.6 60.0 163.7 56.7 142.4 226.9 162.8 77.8 Nonprofit and educational institutions 8 -10.4 -3.9 -8.8 -6.3 -5.7 -7.3 -6.4 -6.7 -7.1 -6.3 -4.3 -8.7 -6.1 Nonfinancial business -2.5 2.0 1.5 -4.2 -1.3 1.1 -2.3 -4.3 5.7 1.1 4.0 -0.7 -24.6 Pools of securitized assets 9,10 -42.3 -4.1 3.8 -0.8 0.6 11.3 2.8 -6.5 12.2 -12.7 -16.7 -6.4 -2.2 Major types of credit, by holder Revolving -69.9 1.8 4.7 12.3 31.8 40.3 161.0 -167.6 104.2 62.4 102.8 25.9 7.4 Depository institutions -34.4 -0.8 12.6 17.0 38.1 40.1 152.4 -139.0 92.3 68.5 100.5 35.6 34.2 Finance companies 0.5 1.4 -11.6 -4.3 -6.8 -4.4 -1.9 -14.0 2.8 0.4 -0.2 4.1 -3.8 Credit unions 0.9 1.6 0.9 4.5 3.4 4.8 9.1 -6.4 3.7 5.7 13.8 0.3 0.7 Federal government 7 ... ... ... ... ... ... ... ... ... ... ... ... ... Nonprofit and educational institutions 8 ... ... ... ... ... ... ... ... ... ... ... ... ... Nonfinancial business -5.0 1.1 1.3 -4.3 -1.3 0.3 -1.7 -4.4 6.0 0.3 1.8 -1.4 -23.8 Pools of securitized assets 9,10 -31.9 -1.6 1.4 -0.7 -1.6 -0.6 3.1 -3.8 -0.6 -12.6 -13.1 -12.6 0.0 Nonrevolving 44.5 106.8 164.8 163.7 186.6 268.1 111.7 183.3 191.5 269.6 334.5 326.0 121.8 Depository institutions -36.0 7.8 15.5 35.9 33.5 44.6 -1.7 15.1 57.5 67.5 71.2 78.9 34.4 Finance companies -22.7 -18.8 3.8 3.6 11.7 24.2 31.8 -12.6 15.6 28.3 20.7 47.7 -6.2 Credit unions -11.6 -5.0 19.7 17.4 33.8 34.4 28.9 26.3 56.3 37.0 21.5 38.4 24.9 Federal government 7 133.1 128.5 132.1 113.1 111.1 159.6 60.0 163.7 56.7 142.4 226.9 162.8 77.8 Nonprofit and educational institutions 8 -10.4 -3.9 -8.8 -6.3 -5.7 -7.3 -6.4 -6.7 -7.1 -6.3 -4.3 -8.7 -6.1 Nonfinancial business 2.5 0.9 0.2 0.1 0.0 0.8 -0.6 0.1 -0.2 0.8 2.2 0.7 -0.8 Pools of securitized assets 9,10 -10.4 -2.5 2.4 -0.2 2.2 11.8 -0.3 -2.6 12.7 -0.2 -3.6 6.2 -2.2 Memo Student Loans 11 83.9 99.1 107.7 90.7 88.6 136.5 35.7 140.1 31.1 120.7 n.a. 120.7 n.a. Motor Vehicle Loans 12 -40.6 17.1 60.0 69.6 79.0 100.6 57.7 57.4 104.5 127.1 n.a. 127.1 n.a. *This release is generally issued on the fifth business day of each month. See the Statistical Release Schedule for more information.Footnotes1.Covers most 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 whic

ผลลัพธ์ (ไทย) 2:

เครดิตของผู้บริโภคดีเด่น 1 Consumer Credit Outstanding 1
ตามฤดูกาล Seasonally adjusted. Billions of dollars except as noted.
Year Quarter Month
2014 2015
2010 2011 2012 2013 2014 Q3 Q4 Q1 Q2r Q3r Augr Sepr Octp
Total percent change (annual rate)2 -1.0 4.1 6.1 6.0 7.0 6.9 6.1 5.6 8.5 7.2 5.1 9.9 5.5
Revolving -7.6 0.2 0.6 1.4 3.7 3.5 3.0 0.4 8.7 5.8 4.1 8.7 0.2
Nonrevolving 3 2.7 5.9 8.6 7.9 8.3 8.2 7.3 7.5 8.4 7.7 5.4 10.3 7.4
Total flow (annual rate)2,4 -25.3 108.6 169.4 175.9 218.4 222.8 199.0 184.8 285.8 246.3 175.4 342.8 191.8
Revolving -69.9 1.8 4.7 12.3 31.8 30.6 26.2 3.4 77.7 52.7 37.2 79.8 2.1
Nonrevolving 3 44.5 106.8 164.8 163.7 186.6 192.2 172.9 181.5 208.1 193.6 138.2 263.0 189.6
Total outstanding 2,646.9 2,755.4 2,922.9 3,098.8 3,317.2 3,267.5 3,317.2 3,363.4 3,434.9 3,496.4 3,467.9 3,496.4 3,512.4
Revolving 839.5 841.2 845.9 858.2 890.0 883.4 890.0 890.8 910.2 923.4 916.8 923.4 923.6
Nonrevolving 3 1,807.4 1,914.2 2,077.0 2,240.6 2,427.2 2,384.0 2,427.2 2,472.6 2,524.6 2,573.0 2,551.1 2,573.0 2,588.8

Terms of Credit Not seasonally adjusted. Percent except as noted.
Commercial bank interest rates 5
New car loans
48-month new car 6.21 5.73 4.91 4.43 4.24 4.16 4.06 4.53 4.31 4.11 4.11 n.a. n.a.
60-month new car 6.28 5.70 4.82 4.46 4.25 4.11 4.07 4.27 4.21 4.27 4.27 n.a. n.a.
Credit card plans
All accounts 13.78 12.74 12.06 11.91 11.87 11.82 11.99 11.98 12.04 12.10 12.10 n.a. n.a.
Accounts assessed interest 14.26 13.09 12.96 12.95 13.19 13.18 13.68 13.53 13.49 13.93 13.93 n.a. n.a.
Personal loans
24-month 10.87 10.88 10.71 10.20 10.22 10.73 10.47 9.85 9.69 9.98 9.98 n.a. n.a.

Finance companies (new car loans)6
Interest rates 4.7 4.4 4.6 4.7 4.9 4.7 4.8 5.2 5.4 4.9 n.a. 4.9 n.a.
Maturity (months) 61 61 62 63 64 64 65 65 65 66 n.a. 66 n.a.
Amount financed (dollars) 25,477 25,121 25,341 25,586 26,288 26,371 26,755 27,272 26,932 27,698 n.a. 27,698 n.a.

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Consumer Credit Outstanding (Levels) 1
(Billions of dollars)
Not seasonally adjusted
Year Quarter Month
2014 2015
2010 2011 2012 2013 2014 Q3 Q4 Q1 Q2r Q3r Augr Sepr Octp
Total 2,646.9 2,755.4 2,922.9 3,098.8 3,317.2 3,249.0 3,317.2 3,321.1 3,395.0 3,478.0 3,448.7 3,478.0 3,488.8

Major holders
Depository institutions 1,185.5 1,192.6 1,218.6 1,271.6 1,343.1 1,305.4 1,343.1 1,312.1 1,349.6 1,383.6 1,374.1 1,383.6 1,389.3
Finance companies 705.0 687.6 679.8 679.1 684.1 676.6 684.1 677.5 682.1 689.3 684.9 689.3 688.4
Credit unions 226.5 223.0 243.6 265.6 302.8 293.3 302.8 307.7 322.7 333.4 330.2 333.4 335.5
Federal government 7 356.2 484.7 616.8 729.8 840.9 825.9 840.9 881.8 896.0 931.6 918.0 931.6 938.1
Nonprofit and educational institutions 8 78.4 74.5 65.6 59.3 53.6 55.2 53.6 51.9 50.1 48.6 49.3 48.6 48.1
Nonfinancial business 45.0 46.9 48.4 44.3 43.0 43.5 43.0 41.9 43.3 43.6 43.6 43.6 41.5
Pools of securitized assets 9,10 50.3 46.2 50.0 49.1 49.8 49.1 49.8 48.2 51.2 48.0 48.6 48.0 47.9

Major types of credit, by holder
Revolving 839.5 841.2 845.9 858.2 890.0 849.7 890.0 848.1 874.1 889.7 887.6 889.7 890.3
Depository institutions 664.7 663.9 676.5 693.5 731.6 693.4 731.6 696.8 719.9 737.0 734.0 737.0 739.9
Finance companies 81.5 82.9 71.4 67.1 60.3 60.8 60.3 56.8 57.5 57.6 57.3 57.6 57.3
Credit unions 36.3 37.9 38.9 43.4 46.8 44.5 46.8 45.2 46.1 47.5 47.5 47.5 47.6
Federal government 7 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonprofit and educational institutions 8 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonfinancial business 25.5 26.7 28.0 23.7 22.4 22.8 22.4 21.3 22.8 22.9 23.0 22.9 20.9
Pools of securitized assets 9,10 31.4 29.8 31.2 30.5 28.9 28.2 28.9 28.0 27.8 24.7 25.7 24.7 24.7
Nonrevolving 1,807.4 1,914.2 2,077.0 2,240.6 2,427.2 2,399.3 2,427.2 2,473.1 2,520.9 2,588.3 2,561.1 2,588.3 2,598.5
Depository institutions 520.8 528.7 542.2 578.1 611.6 612.0 611.6 615.3 629.7 646.6 640.0 646.6 649.5
Finance companies 623.5 604.6 608.4 612.1 623.8 615.9 623.8 620.7 624.6 631.6 627.7 631.6 631.1
Credit unions 190.1 185.1 204.8 222.2 256.0 248.7 256.0 262.5 276.6 285.8 282.6 285.8 287.9
Federal government 7 356.2 484.7 616.8 729.8 840.9 825.9 840.9 881.8 896.0 931.6 918.0 931.6 938.1
Nonprofit and educational institutions 8 78.4 74.5 65.6 59.3 53.6 55.2 53.6 51.9 50.1 48.6 49.3 48.6 48.1
Nonfinancial business 19.4 20.3 20.4 20.5 20.5 20.7 20.5 20.6 20.5 20.7 20.6 20.7 20.6
Pools of securitized assets 9,10 19.0 16.4 18.8 18.6 20.9 20.9 20.9 20.2 23.4 23.3 22.8 23.3 23.2

Memo
Student Loans 11 843.9 943.0 1,050.7 1,141.5 1,230.1 1,221.1 1,230.1 1,265.1 1,272.9 1,303.0 n.a. 1,303.0 n.a.
Motor Vehicle Loans 12 713.5 751.2 809.2 878.8 957.8 943.4 957.8 972.2 998.3 1,030.1 n.a. 1,030.1 n.a.


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Consumer Credit Outstanding (Flows) 1
(Billions of dollars; annual rate)
Not seasonally adjusted
Year Quarter Month
2014 2015
2010 2011 2012 2013 2014 Q3 Q4 Q1 Q2r Q3r Augr Sepr Octp
Total -25.3 108.6 169.4 175.9 218.4 308.4 272.7 15.6 295.7 331.9 437.4 351.9 129.2

Major holders
Depository institutions -70.3 7.1 28.1 52.9 71.5 84.7 150.8 -123.9 149.8 136.1 171.7 114.5 68.7
Finance companies -22.2 -17.4 -7.8 -0.6 5.0 19.8 29.8 -26.5 18.4 28.7 20.4 51.8 -10.0
Credit unions -10.7 -3.4 20.6 21.9 37.2 39.2 38.1 19.8 60.0 42.6 35.3 38.7 25.6
Federal government 7 133.1 128.5 132.1 113.1 111.1 159.6 60.0 163.7 56.7 142.4 226.9 162.8 77.8
Nonprofit and educational institutions 8 -10.4 -3.9 -8.8 -6.3 -5.7 -7.3 -6.4 -6.7 -7.1 -6.3 -4.3 -8.7 -6.1
Nonfinancial business -2.5 2.0 1.5 -4.2 -1.3 1.1 -2.3 -4.3 5.7 1.1 4.0 -0.7 -24.6
Pools of securitized assets 9,10 -42.3 -4.1 3.8 -0.8 0.6 11.3 2.8 -6.5 12.2 -12.7 -16.7 -6.4 -2.2

Major types of credit, by holder
Revolving -69.9 1.8 4.7 12.3 31.8 40.3 161.0 -167.6 104.2 62.4 102.8 25.9 7.4
Depository institutions -34.4 -0.8 12.6 17.0 38.1 40.1 152.4 -139.0 92.3 68.5 100.5 35.6 34.2
Finance companies 0.5 1.4 -11.6 -4.3 -6.8 -4.4 -1.9 -14.0 2.8 0.4 -0.2 4.1 -3.8
Credit unions 0.9 1.6 0.9 4.5 3.4 4.8 9.1 -6.4 3.7 5.7 13.8 0.3 0.7
Federal government 7 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonprofit and educational institutions 8 ... ... ... ... ... ... ... ... ... ... ... ... ...
Nonfinancial business -5.0 1.1 1.3 -4.3 -1.3 0.3 -1.7 -4.4 6.0 0.3 1.8 -1.4 -23.8
Pools of securitized assets 9,10 -31.9 -1.6 1.4 -0.7 -1.6 -0.6 3.1 -3.8 -0.6 -12.6 -13.1 -12.6 0.0
Nonrevolving 44.5 106.8 164.8 163.7 186.6 268.1 111.7 183.3 191.5 269.6 334.5 326.0 121.8
Depository institutions -36.0 7.8 15.5 35.9 33.5 44.6 -1.7 15.1 57.5 67.5 71.2 78.9 34.4
Finance companies -22.7 -18.8 3.8 3.6 11.7 24.2 31.8 -12.6 15.6 28.3 20.7 47.7 -6.2
Credit unions -11.6 -5.0 19.7 17.4 33.8 34.4 28.9 26.3 56.3 37.0 21.5 38.4 24.9
Federal government 7 133.1 128.5 132.1 113.1 111.1 159.6 60.0 163.7 56.7 142.4 226.9 162.8 77.8
Nonprofit and educational institutions 8 -10.4 -3.9 -8.8 -6.3 -5.7 -7.3 -6.4 -6.7 -7.1 -6.3 -4.3 -8.7 -6.1
Nonfinancial business 2.5 0.9 0.2 0.1 0.0 0.8 -0.6 0.1 -0.2 0.8 2.2 0.7 -0.8
Pools of securitized assets 9,10 -10.4 -2.5 2.4 -0.2 2.2 11.8 -0.3 -2.6 12.7 -0.2 -3.6 6.2 -2.2

Memo
Student Loans 11 83.9 99.1 107.7 90.7 88.6 136.5 35.7 140.1 31.1 120.7 n.a. 120.7 n.a.
Motor Vehicle Loans 12 -40.6 17.1 60.0 69.6 79.0 100.6 57.7 57.4 104.5 127.1 n.a. 127.1 n.a.


*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 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 whic

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2010 2011 2012 2013 2014 2015 2014 Q3 Q4 Q1 q2r q3r augr sepr octp
รวมร้อยละการเปลี่ยน ( 2 อัตรา ) - 1.0 4.1 6.1 6.0 7.0 6.9 6.1 5.6 8.5 7.2 - 7.6 5.1 9.9 5.5
( 0.2 0.6 1.4 3.7 3.5 3.0 0.4 8.7 5.8 4.1 8.7 0.2
nonrevolving 3 2.7 5.9 8.6 7.9 8.3 8.4 8.2 7.3 7.5 7.7 5.4 10