Annual

F4.3.t Consumer credit


The Financial Accounts (formerly known as the Flow of Funds accounts) are a set of financial accounts used to track the sources and uses of funds by sector. They are a component of a system of macroeconomic accounts including the National Income and Product accounts (NIPA) and balance of payments accounts, all of which serve as a comprehensive set of information on the economy’s performance.(1) Some important inferences that can be drawn from the Financial accounts are the financial strength of a given sector, new economic trends, changes in the composition of wealth, and development of new financial instruments over time.(1)
Sectors are compiled into three categories: households, nonfinancial businesses, and banks. The sources of funds for a sector are its internal funds (savings from income after consumption) and external funds (loans from banks and other financial intermediaries). (1) Funds for a given sector are used for its investments in physical and financial assets. Dividing sources and uses of funds into two categories helps the staff of the Federal Reserve System pay particular attention to external sources of funds and financial uses of funds.(2) One example is whether households are borrowing more from banks—or in other words, whether household debt is rising. Another example might be whether banks are using more of their funds to provide loans to consumers. Transactions within a sector are not shown in the accounts; however, transactions between sectors are.(2) Monitoring the external flows of funds provides insights into a sector’s health and the performance of the economy as a whole.
Data for the Financial accounts are compiled from a large number of reports and publications, including regulatory reports such as those submitted by banks, tax filings, and surveys conducted by the Federal Reserve System.(2) The Financial accounts are published quarterly as a set of tables in the Federal Reserve’s Z.1 statistical release.
(1) Teplin, Albert M. “The U.S. Flow of Funds Accounts and Their Uses.” Federal Reserve Bulletin, July 2001; http://www.federalreserve.gov/pubs/bulletin/2001/0701lead.pdf.
(2) Board of Governors of the Federal Reserve System. “Guide to the Flow of Funds Accounts.” 2000, http://www.federalreserve.gov/apps/fof/.

For questions on the data, please contact the data source: https://www.federalreserve.gov/apps/ContactUs/feedback.aspx?refurl=/releases/z1/%
For questions on FRED functionality, please contact: https://fred.stlouisfed.org/contactus/


   

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    1946    
 
 
    2025
Millions of U.S. Dollars
Line Name 2025 Preceding
Period
Year Ago
from Period
line 1
Net change in liabilities (Households)
106,950 98,869 98,869
line 2
Net change in assets
106,950 98,869 98,869
line 3
Nonprofit organizations
-3,050 -3,195 -3,195
line 4
Nonfinancial corporate business
0 0 0
line 5
Nonfinancial noncorporate business
0 0 0
line 6
Federal government
60,062 55,784 55,784
line 7
U.S.-chartered depository institutions
74,729 47,264 47,264
line 8
Credit unions
936 -12,574 -12,574
line 9
Government-sponsored enterprises
0 0 0
line 10
ABS issuers
100 -554 -554
line 11
Finance companies
-25,827 12,144 12,144
Memo:
line 12
Credit card loans
39,953 52,932 52,932
line 13
Auto loans
-2,130 13,590 13,590
line 14
Student loans
60,024 49,238 49,238
line 15
Other consumer credit
9,103 -16,891 -16,891
   

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