What forms of credit are included in consumer lending?

The indicator consolidates credit card balances, motor vehicle loans, and personal installment loans.

Why are home purchase loans absent from this portfolio?

Residential mortgage loans feature large scales and extended terms, so they are tracked separately under the real estate segment.

At what time of year do consumer loan balances typically peak?

Balances usually peak during the year-end shopping season and tend to cool off in the early quarters of the following year.

US Consumer Loans by Commercial Banks

Name: US Consumer Loans by Commercial Banks
Creator: FRED (Federal Reserve Bank of St. Louis)
License: https://creativecommons.org/licenses/by/4.0/

US Consumer Loans by Commercial Banks stood at 1,927,043 USD million in Q2 2026, according to FRED (Federal Reserve Bank of St. Louis). It is one of the indicators in the Bank loans and delinquencies table (Value · Quarterly), with a complete series running from Q1 1985 to Q2 2026. The complete series with an interactive chart, free to download.

Source: FRED (Federal Reserve Bank of St. Louis)Last updated: Sep 21, 2026, 07:18 UTCCurated by Bui Thanh Phuc

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This indicator in the Bank loans and delinquencies table

Indicator	Q2-2026	Q1-2026	Q4-2025	Q3-2025	Q2-2025	Q1-2025	Q4-2024	Q3-2024	Q2-2024	Q1-2024
Consumer loans2	1,927,043	1,885,465	1,920,118	1,863,473	1,840,776	1,814,502	1,872,869	1,950,397	1,936,252	1,913,341
Credit cards	1,077,409	1,051,315	1,090,734	1,041,801	1,032,733	1,009,031	1,054,374	1,006,495	995,738	973,021
Other consumer loans	849,634	834,150	829,383	821,672	808,042	805,472	818,495	943,902	940,514	940,320

Understanding US Consumer Loans by Commercial Banks

United States consumer credit represents the total amount of money individuals owe the banking system for the purpose of personal and family consumption, published by the Federal Reserve. Segments included in this indicator are credit card debt, auto loans, and other personal installment loan contracts. The indicator entirely excludes residential real estate mortgages, helping to isolate the daily borrowing behavior of the population.

The report is tabulated at a quarterly frequency. Consumer debt tends to increase sharply in the final quarters of the year due to holiday shopping demand, then gradually decline in the early period of the following year. Therefore, comparing fluctuations year-on-year is the most accurate approach to identify actual purchasing power and household financial leverage.

Frequently asked questions

What forms of credit are included in consumer lending?: The indicator consolidates credit card balances, motor vehicle loans, and personal installment loans.
Why are home purchase loans absent from this portfolio?: Residential mortgage loans feature large scales and extended terms, so they are tracked separately under the real estate segment.
At what time of year do consumer loan balances typically peak?: Balances usually peak during the year-end shopping season and tend to cool off in the early quarters of the following year.