Financial Accounts of the United States - Z.1
L.222 Consumer credit
Billions of dollars; amounts outstanding end of period, not seasonally adjusted
| Line | Description | Series | 2023 | 2024 | 2025 | 2024:Q3 | 2024:Q4 | 2025:Q1 | 2025:Q2 | 2025:Q3 | 2025:Q4 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Line 1 | Total liabilities (Households) | FL153166000 | 4988.2 | 4948.1 | 5106.6 | 5027.8 | 4948.1 | 4963.4 | 4996.3 | 5042.3 | 5106.6 |
| Line 2 | Total assets | FL153166000 | 4988.2 | 4948.1 | 5106.6 | 5027.8 | 4948.1 | 4963.4 | 4996.3 | 5042.3 | 5106.6 |
| Line 3 | Nonprofit organizations1 | FL163066223 | 18.6 | 15.4 | 12.4 | 14.9 | 15.4 | 15.1 | 14.7 | 14.4 | 12.4 |
| Line 4 | Nonfinancial corporate business | FL103066003 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Line 5 | Nonfinancial noncorporate business | FL113066003 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Line 6 | Federal government2 | FL313066220 | 1462.2 | 1518.0 | 1581.1 | 1515.7 | 1518.0 | 1539.5 | 1545.3 | 1573.3 | 1581.1 |
| Line 7 | U.S.-chartered depository institutions | FL763066005 | 2101.3 | 2009.5 | 2058.6 | 2093.2 | 2009.5 | 1947.3 | 1973.6 | 1997.6 | 2058.6 |
| Line 8 | Credit unions | FL473066000 | 662.6 | 650.0 | 720.9 | 652.2 | 650.0 | 716.3 | 722.0 | 722.2 | 720.9 |
| Line 9 | Government-sponsored enterprises | FL403066005 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Line 10 | ABS issuers | FL673066000 | 16.3 | 15.7 | 15.8 | 16.0 | 15.7 | 14.4 | 15.9 | 15.9 | 15.8 |
| Line 11 | Finance companies | FL613066005 | 727.3 | 739.4 | 717.9 | 735.8 | 739.4 | 730.7 | 724.8 | 718.9 | 717.9 |
| Memo: | |||||||||||
| Line 12 | Credit card loans3 | FL153166100 | 1298.9 | 1297.0 | 1324.3 | 1298.0 | 1297.0 | 1232.0 | 1256.3 | 1267.4 | 1324.3 |
| Line 13 | Auto loans | FL153166400 | 1550.7 | 1564.3 | 1561.7 | 1562.3 | 1564.3 | 1555.2 | 1560.8 | 1560.8 | 1561.7 |
| Line 14 | Student loans4 | FL153166220 | 1729.1 | 1778.4 | 1841.7 | 1772.9 | 1778.4 | 1805.5 | 1802.6 | 1833.0 | 1841.7 |
| Line 15 | Other consumer credit5 | FL153166205 | 409.5 | 308.4 | 379.0 | 394.6 | 308.4 | 370.7 | 376.6 | 381.1 | 379.0 |
Notes:
- Student loans originated under the Federal Family Education Loan Program. Asset of the households and nonprofit organizations sector (tables L.101 and B.101).
- Includes loans originated by the Department of Education under the Federal Direct Loan Program and Perkins Loans, as well as Federal Family Education Loan Program loans that the government purchased from depository institutions, finance companies, and nonprofit and educational institutions, and loans in default.
- Revolving credit that also includes overdraft plans on checking accounts and other loans without a fixed repayment schedule.
- Includes student loans held by nonprofit organizations (line 3), the federal government (line 6), depository institutions (part of lines 7 and 8), and finance companies (part of line 11). Data begin in 2006:Q1.
- Includes student loans before 2006:Q1.
Last Update: 2026-03-19