What is the 'G.19 Report'

The G.19 report is a monthly statistical report from the U.S. Federal Reserve that shows outstanding credit extended to individuals for household, family and other personal expenditures. Also known as the Consumer Credit Report, the G.19 contains a wealth of information pertaining to U.S. consumer credit.


The G.19 report is useful for two reasons:

  1. It provides valuable insights into consumer credit availability, which drives consumer spending accounting for 70% of the U.S. economy, and;
  2. It is a timely report on current credit conditions, being published just over a month after the end of the month for which the data is being reported.

What the G.19 Report Includes

The G.19 report includes information such as the annualized percent change in total credit, revolving and non-revolving, and changes in major holders of credit, selected terms of credit -- including interest rates and terms on new car loans and personal loans, and credit card plans at commercial banks. It's presented as seasonally adjusted and not seasonally adjusted. The report includes benchmarks and indicator data as well. 

The G.19 shows consumer credit in two major categories: revolving and non-revolving. Revolving credit plans may be unsecured or secured by collateral, and it allows a consumer to borrow up to a prearranged limit and repay the debt in one or more installments. Once part of the debt is repaid, the consumer can borrow additional funds up to the debt limit.

While most of the revolving credit measured in the G.19 is comprised of credit card loans, it also includes other types, such as overdraft plans. 

Non-Revolving Credit

Non-revolving credit shown in the G.19 is closed-end credit, which may be secured or unsecured, and is repaid on a set repayment schedule. Unlike revolving credit, the consumer cannot borrow additional funds with a non-revolving plan. Most non-revolving credit is comprised of consumer vehicle loans and education loans. This category also includes personal loans and recreational vehicle loans.

Since consumer credit is broadly defined as consumer loans not secured by real estate, the G.19 report does not include data on loans such as home equity loans or HELOCs (home equity lines of credit).

Rising Credit Card Use

Recent G.19 reports show rising consumer credit card debt. Given falling unemployment, rising wages and higher consumer confidence, consumers are taking on more debt. Still, that could be unfortunate for credit card companies, as an increase in credit card use could result in increased delinquency and charge-offs

  1. Revolver

    A revolver is a borrower who carries a balance from month to ...
  2. Nonrevolver

    A credit card holder who pays their balance in full each month ...
  3. Revolving Account

    A revolving account is a type of credit account which provides ...
  4. Evergreen Loan

    An evergreen loan is a loan that does not require the principal ...
  5. Consumer Interest

    Consumer interest is any interest charge on personal loans, including ...
  6. Open-End Credit

    Open end credit is a pre-approved loan between a financial institution ...
Related Articles
  1. Investing

    Revolving Credit vs. Line of Credit

    Revolving credit and a line of credit are arrangements made between a lending institution and a business or individual.
  2. Investing

    Investing in Credit Card Companies

    Find out why investing in credit card companies requires keeping an eye on consumer indexes and the overall health of the economy.
  3. Personal Finance

    Build Your Credit Score

    Here are four good ways to build your credit score when you're starting from scratch. Do it right and you'll end up with excellent credit.
  4. Personal Finance

    How to Establish Credit with No Credit History

    Even if you have no credit history, taking action to begin establishing your credit history today is a wise move. Learn more in this article.
  5. Small Business

    How To Increase Your Appeal To Prospective Lenders

    Making a business eligible for loans/credit cards at the best possible rates requires crafting an excellent credit profile through the smart use of credit.
  6. Personal Finance

    Time to Accept Credit Card Offers Again?

    How much you could get and whether to respond
  7. Personal Finance

    Consumer Credit Card Balances Are Down $19 Billion

    Rising balances and credit limits may be fine for now, but with household debt rising faster than GDP, there could be consequences in the next few years.
  8. Personal Finance

    Why Too Many Credit Cards Can Hurt Your Credit Score

    Find out why having too many credit card accounts can adversely impact your credit score if the cards are not managed properly.
  1. Revolving Credit vs Line of Credit

    Understand how to differentiate between a line of credit and a revolving credit account, their uses, and how both differ ... Read Answer >>
  2. What is the difference between a loan and a line of credit?

    Understand how to differentiate between lines of credit and standard loans. Then determine which works best for your borrowing ... Read Answer >>
  3. Revolving Credit vs Installment Credit: What is the Difference?

    Understand how to distinguish the difference between installment credit loans and revolving credit loans. Learn about the ... Read Answer >>
Trading Center