Datasets:

FinzData
/

macro-consumer-credit

license: other
license_name: public-domain-source-us-government
pretty_name: 'US Macro Data: Consumer Credit'
language:
  - en
tags:
  - finance
  - economics
  - macroeconomics
  - time-series
  - fred
  - consumer-credit
  - quant
  - backtesting
size_categories:
  - 1K<n<10K
configs:
  - config_name: long
    data_files: data/long.parquet
    default: true
  - config_name: wide_weekly
    data_files: data/wide_weekly.parquet
  - config_name: wide_monthly
    data_files: data/wide_monthly.parquet
  - config_name: wide_quarterly
    data_files: data/wide_quarterly.parquet

US macro data: Consumer Credit (184 series)

184 consumer credit series from US government sources, cleaned into one consistent format and ready for pandas. This free package holds the last 12 months (2025-11-02 on) of each series' latest values. It is refreshed weekly.

import pandas as pd
df = pd.read_parquet("hf://datasets/FinzData/macro-consumer-credit/data/long.parquet")      # series_id, date, value
wide = pd.read_parquet("hf://datasets/FinzData/macro-consumer-credit/data/wide_weekly.parquet")  # one column per series

or datasets.load_dataset("FinzData/macro-consumer-credit"). Wide tables by frequency: wide_weekly (10 series), wide_monthly (21 series), wide_quarterly (153 series). series.csv lists every series with its title, units, frequency and how far back the full history goes.

The full history, point in time, through one API

The FinzData API serves every series back to its first observation, every revision (what was known on any past date, so backtests do not peek at later revisions), and daily updates, in the same format:

import finzdata as fz                     # pip install finzdata
c = fz.Client()                           # free API key: https://api.finzdata.com/
c.macro("DRCCLACBS")                        # full history, latest values
c.macro("DRCCLACBS", vintage="first")       # as first released
c.macro("DRCCLACBS", as_of="2020-03-01")    # exactly what was known on that date
c.macro_series(category="consumer_credit")          # the catalogue for this category

Most-watched series in this package

ID	Title	Units	Frequency	Full history from
`DRCCLACBS`	Delinquency Rate on Credit Card Loans, All Commercial Banks	Percent	Quarterly, End of Period	1991
`CCLACBW027SBOG`	Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks	Billions of U.S. Dollars	Weekly, Ending Wednesday	2000
`TERMCBCCALLNS`	Commercial Bank Interest Rate on Credit Card Plans, All Accounts	Percent	Monthly	1994
`CORCCACBS`	Charge-Off Rate on Credit Card Loans, All Commercial Banks	Percent	Quarterly	1985
`DRCCLOBS`	Delinquency Rate on Credit Card Loans, Banks Not Among the 100 Largest in Size by Assets	Percent	Quarterly, End of Period	1991
`DRTSCLCC`	Net Percentage of Domestic Banks Tightening Standards for Credit Card Loans	Percent	Quarterly	1996
`RCCCBBALTOT`	Large Bank Consumer Credit Card Balances: Total Balances	Billions of U.S. Dollars	Quarterly, End of Quarter	2012
`DRCCLT100S`	Delinquency Rate on Credit Card Loans, Banks Ranked 1st to 100th Largest in Size by Assets	Percent	Quarterly, End of Period	1991
`TERMCBCCINTNS`	Commercial Bank Interest Rate on Credit Card Plans, Accounts Assessed Interest	Percent	Monthly	1994
`CORCCACBN`	Charge-Off Rate on Credit Card Loans, All Commercial Banks	Percent	Quarterly	1985
`RCCCBACTDPD90P`	Large Bank Consumer Credit Card Balances: 90 or More Days Past Due Rates: Accounts Based	Percent	Quarterly, End of Quarter	2012
`DRCCLACBN`	Delinquency Rate on Credit Card Loans, All Commercial Banks	Percent	Quarterly, End of Period	1991
`CORCCT100S`	Charge-Off Rate on Credit Card Loans, Banks Ranked 1st to 100th Largest in Size by Assets	Percent	Quarterly	1985
`RCCCBBALDPD90P`	Large Bank Consumer Credit Card Balances: 90 or More Days Past Due Rates: Balances Based	Percent	Quarterly, End of Quarter	2012
`CCLACBM027SBOG`	Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks	Billions of U.S. Dollars	Monthly	2000
`STDSOTHCONS`	Net Percentage of Domestic Banks Tightening Standards for Consumer Loans Excluding Credit Card and Auto Loans	Percent	Quarterly	2011
`RCCCBACTDPD30P`	Large Bank Consumer Credit Card Balances: 30 or More Days Past Due Rates: Accounts Based	Percent	Quarterly, End of Quarter	2012
`CCLACBW027NBOG`	Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks	Billions of U.S. Dollars	Weekly, Ending Wednesday	2000
`H8B1247NCBCMG`	Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks	Percent Change at Annual Rate	Monthly	2000
`RCCCBBALREV`	Large Bank Consumer Credit Card Balances: Revolving Balances Only	Billions of U.S. Dollars	Quarterly, End of Quarter	2012
`RCCCBSCOREPCT50`	Large Bank Consumer Credit Card Balances: Current Credit Score: 50th Percentile	Credit Score	Quarterly, End of Quarter	2012
`RCCCBSCOREPCT25`	Large Bank Consumer Credit Card Balances: Current Credit Score: 25th Percentile	Credit Score	Quarterly, End of Quarter	2012
`RCCCBBALDPD30P`	Large Bank Consumer Credit Card Balances: 30 or More Days Past Due Rates: Balances Based	Percent	Quarterly, End of Quarter	2012
`RCCCOORG`	Large Bank Consumer Credit Card Originations: New Originations	Billions of U.S. Dollars	Quarterly, Sum	2012
`CORCCOBS`	Charge-Off Rate on Credit Card Loans, Banks Not Among the 100 Largest in Size by Assets	Percent	Quarterly	1985

All 184 series: series.csv. Browse them at https://finzdata.com/macro/category/consumer-credit.

US macro data: Consumer Credit (184 series)

The full history, point in time, through one API

Most-watched series in this package

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