US consumer credit outstanding, 1943 to 2026
US consumer credit outstanding stood at $5.2M in 2026, down 0.0% on the previous period.
The latest reading is $5.15 trillion, for May 2026, against $5.15 trillion in April 2026. The series is monthly (FRED series TOTALSL) and runs from January 1943.
How it is measured
Total consumer credit outstanding: credit cards, auto loans, student loans, and other household borrowing excluding mortgages, from the Federal Reserve's G.19 release, in millions of dollars. It is the stock of non-housing household debt, not the monthly flow of new borrowing. The data reaches us through FRED, the Federal Reserve Bank of St. Louis's data service, and originates with the Federal Reserve's G.19 release.
What the curve shows
Outstanding consumer credit stands at $5.15 trillion as of May 2026, from $6.58 billion at the window's start. The line rarely falls; the few flat or declining stretches mark households deleveraging after crises, most visibly around 2008-2010.
Are mortgages included?
Is rising consumer credit a warning sign?
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