Consumer credit data have been revised to incorporate the updating of seasonal factors and the benchmarking of the finance
company components to the June 1996 Survey of Finance Companies.

     In addition to the usual benchmark revisions, the revolving credit category has been expanded to include the revolving 
credit held by finance companies, and the "other" category has been reduced by the same amount.  Previously, revolving credit 
was not reported by finance companies separately but was carried as part of "other" consumer credit.  Thus, this change does 
not affect total consumer credit.

     This release includes revised data from the beginning of 1990.  A diskette containing complete historical data for all 
series shown in this release is available from the Federal Reserve Board's Publications Section, Mail Stop 127, Board of 
Governors of the Federal Reserve System, Washington, DC, 20551, (202) 452 - 3245.

G.19                                                        CONSUMER CREDIT                        For release at 3 p.m. (Eastern Time)
1                                                              June 1997                                                 August 7, 1997

The amount of consumer credit outstanding in June was unchanged from that in May.  Revolving credit grew a bit more rapidly than in 
May, while the level of motor vehicle credit was unchanged and that of "other" credit declined in June.  Data in this release have 
been revised from January 1990 to date.

CONSUMER CREDIT OUTSTANDING 1
Seasonally adjusted
---------------------------------------------------------------------------------------------------------------------------------------
                                                         1996                                                1997
                                _______________________________________________________ _______________________________________________

                                June r  July r  Aug. r  Sept. r Oct. r  Nov. r  Dec. r  Jan. r  Feb. r  Mar. r  Apr. r   May r  June p
---------------------------------------------------------------------------------------------------------------------------------------
Percent change at annual rate 2
  Total                             7.2    12.7     7.3     2.4     5.8     4.3     0.2    11.3     7.7     2.7     8.9     2.5     0.0
   Automobile                      14.4    13.1     1.5     2.2     4.9    -0.1     5.6     1.0     0.5    -1.1    11.7     0.4    -0.2
   Revolving                        5.8    15.1     7.3     5.6    13.5    13.3     5.5    17.7    12.6    -2.7     6.8     4.1     5.8
   Other 3                          0.2     8.1    14.6    -2.6    -5.4    -4.9   -15.4    14.2     8.9    16.7     8.8     2.5    -9.5

Amount: billions of dollars
  Total                         1,152.4 1,164.5 1,171.6 1,173.9 1,179.6 1,183.8 1,184.0 1,195.2 1,202.9 1,205.6 1,214.5 1,217.0 1,217.0
   Automobile                     381.6   385.7   386.2   386.9   388.5   388.5   390.3   390.6   390.8   390.4   394.3   394.4   394.3
   Revolving                      473.6   479.6   482.5   484.8   490.3   495.7   498.0   505.3   510.6   509.5   512.4   514.1   516.6
   Other 3                        297.2   299.2   302.8   302.2   300.8   299.6   295.7   299.2   301.4   305.6   307.9   308.5   306.1
---------------------------------------------------------------------------------------------------------------------------------------

TERMS OF CREDIT AT COMMERCIAL BANKS AND FINANCE COMPANIES 4
Percent except as noted: not seasonally adjusted
---------------------------------------------------------------------------------------------------------------------------------------
Institution, terms, and type of loan
---------------------------------------------------------------------------------------------------------------------------------------
Commercial banks
  Interest rates
   48-mo. new car                  n.a.    n.a.    9.11    n.a.    n.a.    9.03    n.a.    n.a.    8.92    n.a.    n.a.    9.20    n.a.
   24-mo. personal                 n.a.    n.a.   13.37    n.a.    n.a.   13.62    n.a.    n.a.   13.46    n.a.    n.a.   13.81    n.a.
   Credit card plan
    All accounts                   n.a.    n.a.   15.65    n.a.    n.a.   15.62    n.a.    n.a.   15.88    n.a.    n.a.   15.75    n.a.
    Accounts assessed interest     n.a.    n.a.   15.64    n.a.    n.a.   15.52    n.a.    n.a.   15.13    n.a.    n.a.   15.72    n.a.

New car loans at auto finance companies
  Interest rates                   9.53    9.81   10.49   10.52   10.40   10.31    8.60    7.17    7.44    8.08    8.56    7.80    7.64
  Maturity (months)                50.4    50.5    51.4    51.9    52.5    52.3    52.3    55.1    54.6    53.5    52.8    53.2    53.3
  Loan-to-value ratio                91      91      92      91      89      90      90      92      92      90      91      93      93
  Amount financed (dollars)      16,854  16,926  16,927  17,182  17,435  17,719  17,670  17,090  16,837  17,198  17,620  18,060  18,171
---------------------------------------------------------------------------------------------------------------------------------------
This release is issued around the fifth business day of each month. The exact date and time may be obtained by calling (202) 452 - 3206.
Footnotes appear on reverse.

1
CONSUMER CREDIT OUTSTANDING
(Billions of dollars)
Not seasonally adjusted

---------------------------------------------------------------------------------------------------------------------------------------
                                                         1996                                                1997
                                _______________________________________________________ _______________________________________________

                                June r  July r  Aug. r  Sept. r Oct. r  Nov. r  Dec. r  Jan. r  Feb. r  Mar. r  Apr. r   May r  June p
---------------------------------------------------------------------------------------------------------------------------------------

Total                           1,146.9 1,157.6 1,171.6 1,177.3 1,180.2 1,190.3 1,214.9 1,204.8 1,197.2 1,194.0 1,202.6 1,206.9 1,211.4

Major holders
Commercial banks                  505.7   510.2   516.7   517.1   521.3   523.0   529.4   525.7   518.6   511.6   516.6   518.0   515.8
Finance companies                 153.9   155.8   154.7   154.6   151.4   151.0   152.4   153.5   153.3   153.0   151.9   154.2   156.5
Credit unions                     136.1   137.9   140.0   140.9   143.0   143.3   144.1   144.4   143.8   144.4   146.3   147.6   148.7
Savings institutions               42.1    43.0    44.0    44.9    44.9    44.8    44.7    45.1    45.5    45.9    46.2    46.6    47.0
Nonfinancial business              72.0    69.9    71.0    68.5    68.0    69.8    77.7    73.6    70.6    70.0    69.3    67.7    68.0
Pools of securitized assets 5     237.2   240.8   245.3   251.2   251.7   258.4   266.5   262.5   265.4   269.2   272.2   272.8   275.4

Major types of credit 6
Automobile                        380.7   385.6   388.4   390.4   392.7   392.1   393.2   389.5   387.5   386.7   389.8   391.3   393.4
 Commercial banks                 152.9   153.9   154.5   153.1   154.8   154.8   154.0   153.0   151.8   150.5   150.9   151.2   149.0
 Finance companies                 86.3    88.0    87.2    88.7    88.0    87.6    86.7    86.8    87.1    85.8    83.2    85.1    87.0
 Pools of securitized assets 5     46.8    47.8    48.8    49.5    49.2    49.3    52.4    49.5    48.2    49.3    53.5    51.5    52.7

Revolving                         470.3   474.7   480.7   483.3   487.5   497.8   522.9   513.4   508.6   502.9   504.9   509.2   513.4
 Commercial banks                 204.0   207.3   209.8   211.2   215.0   217.9   228.6   223.2   215.8   207.3   209.0   212.8   215.3
 Finance companies                 29.8    30.0    29.2    29.4    29.6    29.9    32.5    32.3    32.2    33.2    34.3    34.4    34.1
 Nonfinancial business             42.6    40.5    41.3    38.8    38.1    39.3    44.9    41.9    39.8    39.4    39.0    37.1    37.3
 Pools of securitized assets 5    169.2   171.6   174.6   178.0   178.6   184.0   188.7   187.9   192.3   194.5   193.8   195.8   196.9

Other                             295.8   297.3   302.6   303.5   299.9   300.4   298.8   301.9   301.1   304.4   307.9   306.4   304.6
 Commercial banks                 148.7   149.1   152.5   152.8   151.4   150.2   146.8   149.6   151.0   153.9   156.7   154.0   151.4
 Finance companies                 37.8    37.9    38.3    36.5    33.8    33.6    33.2    34.4    34.0    34.0    34.3    34.7    35.3
 Nonfinancial business             29.4    29.4    29.7    29.7    29.8    30.5    32.8    31.7    30.8    30.5    30.4    30.7    30.8
 Pools of securitized assets 5     21.2    21.4    21.8    23.7    23.9    25.1    25.4    25.1    24.9    25.3    24.9    25.5    25.8
---------------------------------------------------------------------------------------------------------------------------------------

1. Covers most short- and intermediate-term credit extended to individuals, excluding loans secured by real estate.
2. Percent changes calculated from unrounded data.
3. Comprises mobile home loans and all other loans not included in automobile or revolving credit, such as loans for education, boats,
trailers, or vacations. These loans may be secured or unsecured.
4. Interest rates are annual percentage rates (APR) as specified by the Federal Reserve's Regulation Z. Interest rates for new-car loans
and personal loans at commercial banks are simple unweighted averages of each bank's most common rate charged during the first calendar
week of the middle month of each quarter. For credit card accounts, the rate for all accounts is the stated APR averaged across all
credit card accounts at all reporting banks. The rate for accounts assessed interest is the annualized ratio of total finance charges at
all reporting banks to the total average daily balances against which the finance charges were assessed (excludes accounts for which no
finance charges were assessed). Finance company data are from the subsidiaries of the three major U.S. automobile manufacturers and are
volume-weighted averages covering all loans of each type purchased during the month.
5. Outstanding balances of pools upon which securities have been issued; these balances are no longer carried on the balance sheets of
the loan originators.
6. Includes estimates for holders that do not separately report consumer credit holding by type.
r=revised.  p=preliminary.

G.19                                                        CONSUMER CREDIT                        For release at 3 p.m. (Eastern Time)
1                                                            December 1996                                               August 7, 1997

CONSUMER CREDIT OUTSTANDING 1
Seasonally adjusted
---------------------------------------------------------------------------------------------------------------------------------------
                                 1995                                                1996
                                _______ _______________________________________________________________________________________________

                                Dec. r  Jan. r  Feb. r  Mar. r  Apr. r   May r  June r  July r  Aug. r  Sept. r Oct. r  Nov. r  Dec. r
---------------------------------------------------------------------------------------------------------------------------------------
Percent change at annual rate 2
  Total                             7.6     9.0    12.7    11.1     9.3     6.0     7.2    12.7     7.3     2.4     5.8     4.3     0.2
   Automobile                       9.1     7.0    10.2    12.1     9.5     9.9    14.4    13.1     1.5     2.2     4.9    -0.1     5.6
   Revolving                       13.8    14.5    21.4    15.3    16.1    10.7     5.8    15.1     7.3     5.6    13.5    13.3     5.5
   Other 3                         -3.1     3.1     2.8     3.2    -1.6    -6.1     0.2     8.1    14.6    -2.6    -5.4    -4.9   -15.4

Amount: billions of dollars
  Total                         1,100.7 1,109.0 1,120.7 1,131.0 1,139.8 1,145.5 1,152.4 1,164.5 1,171.6 1,173.9 1,179.6 1,183.8 1,184.0
   Automobile                     362.1   364.2   367.3   371.0   374.0   377.0   381.6   385.7   386.2   386.9   388.5   388.5   390.3
   Revolving                      441.9   447.2   455.2   461.0   467.2   471.4   473.6   479.6   482.5   484.8   490.3   495.7   498.0
   Other 3                        296.8   297.5   298.2   299.0   298.6   297.1   297.2   299.2   302.8   302.2   300.8   299.6   295.7
---------------------------------------------------------------------------------------------------------------------------------------

TERMS OF CREDIT AT COMMERCIAL BANKS AND FINANCE COMPANIES 4
Percent except as noted: not seasonally adjusted
---------------------------------------------------------------------------------------------------------------------------------------
Institution, terms, and type of loan
---------------------------------------------------------------------------------------------------------------------------------------
Commercial banks
  Interest rates
   48-mo. new car                  n.a.    n.a.    9.12    n.a.    n.a.    8.93    n.a.    n.a.    9.11    n.a.    n.a.    9.03    n.a.
   24-mo. personal                 n.a.    n.a.   13.63    n.a.    n.a.   13.52    n.a.    n.a.   13.37    n.a.    n.a.   13.62    n.a.
   Credit card plan
    All accounts                   n.a.    n.a.   15.82    n.a.    n.a.   15.44    n.a.    n.a.   15.65    n.a.    n.a.   15.62    n.a.
    Accounts assessed interest     n.a.    n.a.   15.41    n.a.    n.a.   15.41    n.a.    n.a.   15.64    n.a.    n.a.   15.52    n.a.

New car loans at auto finance companies
  Interest rates                  10.52    9.74    9.86    9.77    9.64    9.37    9.53    9.81   10.49   10.52   10.40   10.31    8.60
  Maturity (months)                53.6    51.8    52.3    51.8    51.5    50.8    50.4    50.5    51.4    51.9    52.5    52.3    52.3
  Loan-to-value ratio                92      92      91      91      91      91      91      91      92      91      89      90      90
  Amount financed (dollars)      17,034  16,698  16,627  16,520  16,605  16,686  16,854  16,926  16,927  17,182  17,435  17,719  17,670
---------------------------------------------------------------------------------------------------------------------------------------
This release is issued around the fifth business day of each month. The exact date and time may be obtained by calling (202) 452 - 3206.
Footnotes appear on reverse.

1
CONSUMER CREDIT OUTSTANDING
(Billions of dollars)
Not seasonally adjusted

---------------------------------------------------------------------------------------------------------------------------------------
                                 1995                                                1996
                                _______ _______________________________________________________________________________________________

                                Dec. r  Jan. r  Feb. r  Mar. r  Apr. r   May r  June r  July r  Aug. r  Sept. r Oct. r  Nov. r  Dec. r
---------------------------------------------------------------------------------------------------------------------------------------

Total                           1,128.6 1,117.9 1,115.8 1,120.5 1,129.0 1,135.9 1,146.9 1,157.6 1,171.6 1,177.3 1,180.2 1,190.3 1,214.9

Major holders
Commercial banks                  507.8   499.4   497.2   497.7   503.9   502.3   505.7   510.2   516.7   517.1   521.3   523.0   529.4
Finance companies                 152.1   152.1   153.9   152.5   154.3   156.1   153.9   155.8   154.7   154.6   151.4   151.0   152.4
Credit unions                     131.9   131.5   131.2   131.5   132.8   134.6   136.1   137.9   140.0   140.9   143.0   143.3   144.1
Savings institutions               40.1    40.2    40.4    40.7    41.1    41.6    42.1    43.0    44.0    44.9    44.9    44.8    44.7
Nonfinancial business              85.1    80.7    78.1    76.7    73.7    74.1    72.0    69.9    71.0    68.5    68.0    69.8    77.7
Pools of securitized assets 5     211.6   213.9   215.0   221.4   223.0   227.2   237.2   240.8   245.3   251.2   251.7   258.4   266.5

Major types of credit 6
Automobile                        364.7   363.1   364.3   367.6   369.9   374.1   380.7   385.6   388.4   390.4   392.7   392.1   393.2
 Commercial banks                 149.1   148.2   147.7   148.5   150.1   150.5   152.9   153.9   154.5   153.1   154.8   154.8   154.0
 Finance companies                 81.1    82.0    84.1    84.3    86.5    87.4    86.3    88.0    87.2    88.7    88.0    87.6    86.7
 Pools of securitized assets 5     44.6    42.6    41.8    43.5    41.2    42.6    46.8    47.8    48.8    49.5    49.2    49.3    52.4

Revolving                         464.1   454.7   453.5   455.1   460.5   466.6   470.3   474.7   480.7   483.3   487.5   497.8   522.9
 Commercial banks                 210.3   200.1   198.9   196.8   201.1   203.4   204.0   207.3   209.8   211.2   215.0   217.9   228.6
 Finance companies                 28.5    28.7    28.9    29.1    29.3    29.5    29.8    30.0    29.2    29.4    29.6    29.9    32.5
 Nonfinancial business             53.5    50.5    48.6    47.4    44.5    44.7    42.6    40.5    41.3    38.8    38.1    39.3    44.9
 Pools of securitized assets 5    147.9   151.6   153.4   157.9   161.4   164.5   169.2   171.6   174.6   178.0   178.6   184.0   188.7

Other                             299.8   300.1   298.0   297.8   298.6   295.2   295.8   297.3   302.6   303.5   299.9   300.4   298.8
 Commercial banks                 148.4   151.2   150.6   152.4   152.7   148.4   148.7   149.1   152.5   152.8   151.4   150.2   146.8
 Finance companies                 42.6    41.4    40.9    39.1    38.6    39.1    37.8    37.9    38.3    36.5    33.8    33.6    33.2
 Nonfinancial business             31.5    30.2    29.5    29.3    29.2    29.5    29.4    29.4    29.7    29.7    29.8    30.5    32.8
 Pools of securitized assets 5     19.1    19.6    19.8    20.0    20.4    20.1    21.2    21.4    21.8    23.7    23.9    25.1    25.4
---------------------------------------------------------------------------------------------------------------------------------------

1. Covers most short- and intermediate-term credit extended to individuals, excluding loans secured by real estate.
2. Percent changes calculated from unrounded data.
3. Comprises mobile home loans and all other loans not included in automobile or revolving credit, such as loans for education, boats,
trailers, or vacations. These loans may be secured or unsecured.
4. Interest rates are annual percentage rates (APR) as specified by the Federal Reserve's Regulation Z. Interest rates for new-car loans
and personal loans at commercial banks are simple unweighted averages of each bank's most common rate charged during the first calendar
week of the middle month of each quarter. For credit card accounts, the rate for all accounts is the stated APR averaged across all
credit card accounts at all reporting banks. The rate for accounts assessed interest is the annualized ratio of total finance charges at
all reporting banks to the total average daily balances against which the finance charges were assessed (excludes accounts for which no
finance charges were assessed). Finance company data are from the subsidiaries of the three major U.S. automobile manufacturers and are
volume-weighted averages covering all loans of each type purchased during the month.
5. Outstanding balances of pools upon which securities have been issued; these balances are no longer carried on the balance sheets of
the loan originators.
6. Includes estimates for holders that do not separately report consumer credit holding by type.
r=revised.  p=preliminary.

G.19                                                        CONSUMER CREDIT                        For release at 3 p.m. (Eastern Time)
1                                                            December 1995                                               August 7, 1997

CONSUMER CREDIT OUTSTANDING 1
Seasonally adjusted
---------------------------------------------------------------------------------------------------------------------------------------
                                 1994                                                1995
                                _______ _______________________________________________________________________________________________

                                Dec. r  Jan. r  Feb. r  Mar. r  Apr. r   May r  June r  July r  Aug. r  Sept. r Oct. r  Nov. r  Dec. r
---------------------------------------------------------------------------------------------------------------------------------------
Percent change at annual rate 2
  Total                            13.6    15.3     8.4    17.8    13.5    14.8    13.6    11.0    13.8    19.2     9.3    15.1     7.6
   Automobile                       8.0    10.7     9.8    10.0     6.8    11.0     7.3    14.1     9.5     8.3    11.9    16.8     9.1
   Revolving                        5.5    24.4    22.9    23.4    12.8    22.5    20.7    11.0    24.3    33.3    16.5     7.1    13.8
   Other 3                         31.5     8.9   -12.8    19.5    22.5     8.7    11.2     7.0     3.9    12.1    -4.5    25.0    -3.1

Amount: billions of dollars
  Total                           964.6   976.9   983.7   998.3 1,009.5 1,022.0 1,033.6 1,043.0 1,055.0 1,071.9 1,080.2 1,093.7 1,100.7
   Automobile                     326.4   329.3   331.9   334.7   336.6   339.7   341.8   345.8   348.5   350.9   354.4   359.4   362.1
   Revolving                      364.6   372.0   379.1   386.5   390.6   398.0   404.9   408.6   416.8   428.4   434.3   436.9   441.9
   Other 3                        273.6   275.6   272.7   277.1   282.3   284.3   287.0   288.7   289.6   292.5   291.5   297.5   296.8
---------------------------------------------------------------------------------------------------------------------------------------

TERMS OF CREDIT AT COMMERCIAL BANKS AND FINANCE COMPANIES 4
Percent except as noted: not seasonally adjusted
---------------------------------------------------------------------------------------------------------------------------------------
Institution, terms, and type of loan
---------------------------------------------------------------------------------------------------------------------------------------
Commercial banks
  Interest rates
   48-mo. new car                  n.a.    n.a.    9.70    n.a.    n.a.    9.78    n.a.    n.a.    9.44    n.a.    n.a.    9.36    n.a.
   24-mo. personal                 n.a.    n.a.   14.10    n.a.    n.a.   14.03    n.a.    n.a.   13.84    n.a.    n.a.   13.80    n.a.
   Credit card plan
    All accounts                   n.a.    n.a.   16.14    n.a.    n.a.   16.15    n.a.    n.a.   15.98    n.a.    n.a.   15.81    n.a.
    Accounts assessed interest     n.a.    n.a.   15.27    n.a.    n.a.   16.23    n.a.    n.a.   15.94    n.a.    n.a.   15.71    n.a.

New car loans at auto finance companies
  Interest rates                  10.72   11.35   11.89   11.95   11.74   11.43   11.08   11.01   10.85   10.75   10.89   10.84   10.52
  Maturity (months)                53.9    53.9    54.1    54.5    54.6    54.4    53.9    54.1    53.5    53.4    54.6    54.5    53.6
  Loan-to-value ratio                92      92      92      92      92      92      92      92      92      92      92      92      92
  Amount financed (dollars)      16,187  16,068  15,774  15,826  16,029  16,155  16,083  16,086  16,056  16,402  16,430  16,583  17,034
---------------------------------------------------------------------------------------------------------------------------------------
This release is issued around the fifth business day of each month. The exact date and time may be obtained by calling (202) 452 - 3206.
Footnotes appear on reverse.

1
CONSUMER CREDIT OUTSTANDING
(Billions of dollars)
Not seasonally adjusted

---------------------------------------------------------------------------------------------------------------------------------------
                                 1994                                                1995
                                _______ _______________________________________________________________________________________________

                                Dec. r  Jan. r  Feb. r  Mar. r  Apr. r   May r  June r  July r  Aug. r  Sept. r Oct. r  Nov. r  Dec. r
---------------------------------------------------------------------------------------------------------------------------------------

Total                             988.1   984.6   979.6   989.5 1,000.4 1,013.6 1,028.5 1,036.6 1,054.9 1,074.9 1,080.7 1,099.7 1,128.6

Major holders
Commercial banks                  462.9   460.9   459.3   463.0   470.1   473.9   476.3   480.5   490.4   492.4   491.8   496.0   507.8
Finance companies                 134.4   137.1   134.3   135.4   137.4   139.2   141.3   141.7   145.1   145.7   148.2   148.3   152.1
Credit unions                     119.6   119.6   119.7   120.6   121.4   122.8   125.7   126.8   128.7   129.2   130.3   130.9   131.9
Savings institutions               38.5    38.2    37.8    37.5    37.8    38.2    38.5    38.9    39.3    39.7    40.1    40.5    40.1
Nonfinancial business              86.6    82.8    80.2    79.7    79.1    80.0    80.5    80.0    78.6    78.3    78.8    77.9    85.1
Pools of securitized assets 5     146.1   146.1   148.2   153.3   154.6   159.6   166.2   168.7   173.0   189.6   191.6   206.0   211.6

Major types of credit 6
Automobile                        328.6   328.2   329.4   331.9   333.2   337.2   341.0   345.4   350.3   354.1   358.2   362.6   364.7
 Commercial banks                 141.9   141.5   141.6   141.6   141.4   141.7   143.0   145.5   147.2   146.9   150.1   148.0   149.1
 Finance companies                 70.2    71.0    69.9    70.3    71.6    73.0    74.7    75.5    78.1    78.8    80.9    79.7    81.1
 Pools of securitized assets 5     36.7    35.0    36.1    37.0    36.0    36.7    37.1    37.4    37.0    39.2    37.3    44.7    44.6

Revolving                         383.2   378.4   377.8   381.6   385.1   393.8   401.8   404.3   415.1   427.1   432.0   438.7   464.1
 Commercial banks                 182.0   178.7   179.0   180.9   182.1   185.9   187.3   187.4   195.4   195.0   195.9   197.1   210.3
 Finance companies                 25.9    26.1    26.3    26.5    26.7    27.0    27.2    27.4    27.6    27.8    28.0    28.2    28.5
 Nonfinancial business             56.8    53.8    52.0    51.6    50.9    51.7    52.1    51.7    49.8    49.6    50.0    48.5    53.5
 Pools of securitized assets 5     96.1    97.5    98.3   102.3   104.8   108.4   114.1   116.5   120.3   132.8   135.7   141.9   147.9

Other                             276.3   278.0   272.5   276.0   282.2   282.5   285.8   287.0   289.5   293.7   290.5   298.3   299.8
 Commercial banks                 139.0   140.8   138.7   140.5   146.6   146.3   146.0   147.7   147.7   150.5   145.7   150.9   148.4
 Finance companies                 38.4    39.9    38.1    38.6    39.0    39.2    39.5    38.8    39.4    39.1    39.2    40.3    42.6
 Nonfinancial business             29.8    28.9    28.2    28.1    28.1    28.3    28.4    28.4    28.7    28.7    28.8    29.4    31.5
 Pools of securitized assets 5     13.2    13.5    13.8    14.0    13.8    14.5    15.0    14.8    15.7    17.6    18.6    19.4    19.1
---------------------------------------------------------------------------------------------------------------------------------------

1. Covers most short- and intermediate-term credit extended to individuals, excluding loans secured by real estate.
2. Percent changes calculated from unrounded data.
3. Comprises mobile home loans and all other loans not included in automobile or revolving credit, such as loans for education, boats,
trailers, or vacations. These loans may be secured or unsecured.
4. Interest rates are annual percentage rates (APR) as specified by the Federal Reserve's Regulation Z. Interest rates for new-car loans
and personal loans at commercial banks are simple unweighted averages of each bank's most common rate charged during the first calendar
week of the middle month of each quarter. For credit card accounts, the rate for all accounts is the stated APR averaged across all
credit card accounts at all reporting banks. The rate for accounts assessed interest is the annualized ratio of total finance charges at
all reporting banks to the total average daily balances against which the finance charges were assessed (excludes accounts for which no
finance charges were assessed). Finance company data are from the subsidiaries of the three major U.S. automobile manufacturers and are
volume-weighted averages covering all loans of each type purchased during the month.
5. Outstanding balances of pools upon which securities have been issued; these balances are no longer carried on the balance sheets of
the loan originators.
6. Includes estimates for holders that do not separately report consumer credit holding by type.
r=revised.  p=preliminary.

G.19                                                        CONSUMER CREDIT                        For release at 3 p.m. (Eastern Time)
1                                                            December 1994                                               August 7, 1997

CONSUMER CREDIT OUTSTANDING 1
Seasonally adjusted
---------------------------------------------------------------------------------------------------------------------------------------
                                 1993                                                1994
                                _______ _______________________________________________________________________________________________

                                Dec. r  Jan. r  Feb. r  Mar. r  Apr. r   May r  June r  July r  Aug. r  Sept. r Oct. r  Nov. r  Dec. r
---------------------------------------------------------------------------------------------------------------------------------------
Percent change at annual rate 2
  Total                            13.3     8.8    10.2    14.4    14.2    14.6    14.4     9.5    17.6    16.0    16.4    12.9    13.6
   Automobile                       8.0    10.5     6.7    16.7    17.5    17.2    16.6     3.5    17.0    20.0     7.0    14.0     8.0
   Revolving                        8.8    13.6    13.5    16.7    19.6    12.2    18.4    19.9    26.5     9.2    12.7    32.4     5.5
   Other 3                         25.4     0.8    10.1     9.0     3.3    14.7     6.6     3.3     6.8    20.4    32.8   -14.0    31.5

Amount: billions of dollars
  Total                           842.9   849.1   856.3   866.6   876.8   887.5   898.2   905.3   918.6   930.9   943.6   953.8   964.6
   Automobile                     287.1   289.7   291.3   295.3   299.6   303.9   308.1   309.0   313.4   318.6   320.5   324.2   326.4
   Revolving                      309.1   312.6   316.1   320.5   325.7   329.0   334.0   339.6   347.1   349.7   353.4   363.0   364.6
   Other 3                        246.7   246.9   249.0   250.8   251.5   254.6   256.0   256.7   258.2   262.6   269.7   266.6   273.6
---------------------------------------------------------------------------------------------------------------------------------------

TERMS OF CREDIT AT COMMERCIAL BANKS AND FINANCE COMPANIES 4
Percent except as noted: not seasonally adjusted
---------------------------------------------------------------------------------------------------------------------------------------
Institution, terms, and type of loan
---------------------------------------------------------------------------------------------------------------------------------------
Commercial banks
  Interest rates
   48-mo. new car                  n.a.    n.a.    7.54    n.a.    n.a.    7.76    n.a.    n.a.    8.41    n.a.    n.a.    8.75    n.a.
   24-mo. personal                 n.a.    n.a.   12.89    n.a.    n.a.   12.96    n.a.    n.a.   13.33    n.a.    n.a.   13.59    n.a.
   Credit card plan
    All accounts                   n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.   15.69    n.a.
    Accounts assessed interest     n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.   15.77    n.a.

New car loans at auto finance companies
  Interest rates                   8.80    7.55    8.93    9.13    9.71    9.92    9.96   10.17   10.32   10.13   10.39   10.53   10.72
  Maturity (months)                54.0    52.9    54.4    54.0    53.8    53.5    53.3    53.9    54.2    54.3    54.9    54.6    53.9
  Loan-to-value ratio                90      91      91      92      92      93      94      93      93      93      92      93      92
  Amount financed (dollars)      15,097  15,330  14,904  14,821  15,067  15,194  15,180  15,319  15,283  15,419  15,827  15,971  16,187
---------------------------------------------------------------------------------------------------------------------------------------
This release is issued around the fifth business day of each month. The exact date and time may be obtained by calling (202) 452 - 3206.
Footnotes appear on reverse.

1
CONSUMER CREDIT OUTSTANDING
(Billions of dollars)
Not seasonally adjusted

---------------------------------------------------------------------------------------------------------------------------------------
                                 1993                                                1994
                                _______ _______________________________________________________________________________________________

                                Dec. r  Jan. r  Feb. r  Mar. r  Apr. r   May r  June r  July r  Aug. r  Sept. r Oct. r  Nov. r  Dec. r
---------------------------------------------------------------------------------------------------------------------------------------

Total                             863.0   855.8   853.0   859.3   869.3   880.3   893.5   899.7   918.6   933.6   944.3   958.8   988.1

Major holders
Commercial banks                  399.7   398.6   398.4   401.1   408.4   411.7   417.4   423.9   432.7   438.2   443.0   449.0   462.9
Finance companies                 116.1   117.2   117.7   119.8   122.5   121.8   124.0   122.8   124.8   130.0   131.2   132.5   134.4
Credit unions                     101.6   100.2   100.3   101.6   102.7   105.7   108.2   109.7   112.9   114.3   116.0   117.5   119.6
Savings institutions               37.9    37.6    37.4    37.1    37.5    37.8    38.1    38.1    38.0    38.4    38.1    38.3    38.5
Nonfinancial business              77.2    74.1    71.8    71.7    72.2    73.0    73.3    73.9    75.0    74.7    75.0    78.1    86.6
Pools of securitized assets 5     130.5   128.1   127.5   128.0   126.0   130.2   132.6   131.3   135.2   137.9   141.0   143.3   146.1

Major types of credit 6
Automobile                        288.9   288.8   289.3   293.2   296.9   301.9   307.3   308.4   314.9   321.5   323.8   326.9   328.6
 Commercial banks                 122.0   122.4   122.2   124.2   126.9   129.4   132.0   134.4   137.5   138.8   140.3   141.6   141.9
 Finance companies                 62.7    64.3    65.2    66.1    67.9    66.8    67.4    65.9    66.5    68.6    69.0    69.8    70.2
 Pools of securitized assets 5     40.2    38.0    37.4    37.3    35.4    36.7    36.7    35.7    35.8    37.4    36.6    36.5    36.7

Revolving                         325.0   318.1   315.0   316.4   321.0   325.4   331.2   335.9   345.6   348.6   351.5   364.5   383.2
 Commercial banks                 149.9   146.2   144.9   146.5   150.2   151.0   154.2   158.2   162.9   166.3   164.8   172.3   182.0
 Finance companies                 23.3    23.5    23.7    23.9    24.2    24.4    24.6    24.8    25.0    25.2    25.5    25.7    25.9
 Nonfinancial business             50.1    47.9    46.3    46.1    46.6    47.2    47.4    47.9    48.6    48.2    48.3    50.6    56.8
 Pools of securitized assets 5     79.8    79.3    79.5    79.7    79.8    82.2    84.3    84.2    88.1    87.8    91.5    94.1    96.1

Other                             249.1   248.9   248.8   249.7   251.3   253.0   255.0   255.3   258.1   263.5   268.9   267.3   276.3
 Commercial banks                 127.8   130.0   131.3   130.4   131.3   131.4   131.3   131.2   132.4   133.1   137.8   135.1   139.0
 Finance companies                 30.1    29.4    28.8    29.7    30.4    30.6    32.0    32.2    33.3    36.2    36.7    37.0    38.4
 Nonfinancial business             27.1    26.2    25.6    25.6    25.6    25.8    25.9    26.0    26.4    26.5    26.7    27.5    29.8
 Pools of securitized assets 5     10.5    10.8    10.6    11.1    10.7    11.3    11.6    11.4    11.2    12.7    12.9    12.7    13.2
---------------------------------------------------------------------------------------------------------------------------------------

1. Covers most short- and intermediate-term credit extended to individuals, excluding loans secured by real estate.
2. Percent changes calculated from unrounded data.
3. Comprises mobile home loans and all other loans not included in automobile or revolving credit, such as loans for education, boats,
trailers, or vacations. These loans may be secured or unsecured.
4. Interest rates are annual percentage rates (APR) as specified by the Federal Reserve's Regulation Z. Interest rates for new-car loans
and personal loans at commercial banks are simple unweighted averages of each bank's most common rate charged during the first calendar
week of the middle month of each quarter. For credit card accounts, the rate for all accounts is the stated APR averaged across all
credit card accounts at all reporting banks. The rate for accounts assessed interest is the annualized ratio of total finance charges at
all reporting banks to the total average daily balances against which the finance charges were assessed (excludes accounts for which no
finance charges were assessed). Finance company data are from the subsidiaries of the three major U.S. automobile manufacturers and are
volume-weighted averages covering all loans of each type purchased during the month.
5. Outstanding balances of pools upon which securities have been issued; these balances are no longer carried on the balance sheets of
the loan originators.
6. Includes estimates for holders that do not separately report consumer credit holding by type.
r=revised.  p=preliminary.

G.19                                                        CONSUMER CREDIT                        For release at 3 p.m. (Eastern Time)
1                                                            December 1993                                               August 7, 1997

CONSUMER CREDIT OUTSTANDING 1
Seasonally adjusted
---------------------------------------------------------------------------------------------------------------------------------------
                                 1992                                                1993
                                _______ _______________________________________________________________________________________________

                                Dec. r  Jan. r  Feb. r  Mar. r  Apr. r   May r  June r  July r  Aug. r  Sept. r Oct. r  Nov. r  Dec. r
---------------------------------------------------------------------------------------------------------------------------------------
Percent change at annual rate 2
  Total                             2.6     9.0     7.1    -0.8     9.5    -1.0     5.3     8.7     6.6     9.3    12.1    10.1    13.3
   Automobile                       9.6     1.9    14.5     2.9     6.1     8.0    10.4     9.9    10.1     8.1    21.0     7.0     8.0
   Revolving                        8.7    15.3    12.5     6.1     9.1     3.5     4.4    18.6     7.3    14.2    11.8    18.4     8.8
   Other 3                        -11.8     9.5    -6.8   -12.9    13.7   -16.3     0.5    -4.6     1.6     4.7     2.3     3.2    25.4

Amount: billions of dollars
  Total                           782.8   788.7   793.4   792.8   799.1   798.4   801.9   807.7   812.1   818.5   826.7   833.7   842.9
   Automobile                     262.6   263.0   266.1   266.8   268.1   269.9   272.3   274.5   276.8   278.7   283.6   285.2   287.1
   Revolving                      277.5   281.0   284.0   285.4   287.6   288.4   289.5   294.0   295.7   299.2   302.2   306.8   309.1
   Other 3                        242.7   244.7   243.3   240.6   243.4   240.1   240.2   239.3   239.6   240.5   241.0   241.6   246.7
---------------------------------------------------------------------------------------------------------------------------------------

TERMS OF CREDIT AT COMMERCIAL BANKS AND FINANCE COMPANIES 4
Percent except as noted: not seasonally adjusted
---------------------------------------------------------------------------------------------------------------------------------------
Institution, terms, and type of loan
---------------------------------------------------------------------------------------------------------------------------------------
Commercial banks
  Interest rates
   48-mo. new car                  n.a.    n.a.    8.57    n.a.    n.a.    8.17    n.a.    n.a.    7.98    n.a.    n.a.    7.63    n.a.
   24-mo. personal                 n.a.    n.a.   13.57    n.a.    n.a.   13.63    n.a.    n.a.   13.45    n.a.    n.a.   13.22    n.a.
   Credit card plan
    All accounts                   n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.
    Accounts assessed interest     n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.

New car loans at auto finance companies
  Interest rates                   9.65   10.08   10.32    9.95    9.61    9.51    9.45    9.37    9.21    9.21    9.25    8.96    8.80
  Maturity (months)                53.6    53.9    54.3    54.6    54.5    54.4    54.6    54.7    54.9    54.7    55.0    54.5    54.0
  Loan-to-value ratio                90      90      91      90      90      91      91      91      91      91      90      91      90
  Amount financed (dollars)      14,315  13,975  13,849  14,013  14,021  14,146  14,296  14,430  14,324  14,348  14,650  14,839  15,097
---------------------------------------------------------------------------------------------------------------------------------------
This release is issued around the fifth business day of each month. The exact date and time may be obtained by calling (202) 452 - 3206.
Footnotes appear on reverse.

1
CONSUMER CREDIT OUTSTANDING
(Billions of dollars)
Not seasonally adjusted

---------------------------------------------------------------------------------------------------------------------------------------
                                 1992                                                1993
                                _______ _______________________________________________________________________________________________

                                Dec. r  Jan. r  Feb. r  Mar. r  Apr. r   May r  June r  July r  Aug. r  Sept. r Oct. r  Nov. r  Dec. r
---------------------------------------------------------------------------------------------------------------------------------------

Total                             801.0   795.1   790.6   786.4   792.7   791.9   797.6   802.7   812.2   820.9   827.2   837.7   863.0

Major holders
Commercial banks                  365.5   365.3   363.2   362.7   366.3   369.2   370.9   375.4   379.3   383.6   385.8   391.7   399.7
Finance companies                 118.1   116.8   113.4   112.4   112.9   108.3   110.3   111.9   110.7   110.7   111.3   113.4   116.1
Credit unions                      89.4    90.9    91.8    91.4    93.5    94.3    95.4    96.1    98.1    98.9    99.3   100.1   101.6
Savings institutions               37.4    37.1    37.0    36.8    37.0    37.2    37.4    37.3    37.3    37.2    37.4    37.6    37.9
Nonfinancial business              70.3    66.9    64.2    63.4    63.8    64.4    64.6    65.1    66.1    66.6    67.5    69.9    77.2
Pools of securitized assets 5     120.3   118.1   121.0   119.8   119.2   118.7   119.1   116.9   120.7   123.8   125.9   125.0   130.5

Major types of credit 6
Automobile                        263.8   262.3   264.5   265.1   266.1   268.3   271.4   273.8   278.1   281.2   286.4   287.3   288.9
 Commercial banks                 109.6   109.5   110.8   111.0   110.8   112.4   114.5   116.3   118.1   120.5   121.9   121.8   122.0
 Finance companies                 62.0    61.8    58.8    58.4    59.0    59.2    61.0    62.3    60.9    60.2    60.6    62.0    62.7
 Pools of securitized assets 5     34.7    33.5    37.2    37.4    37.6    37.9    36.3    35.2    37.8    38.7    41.0    39.9    40.2

Revolving                         292.0   286.2   283.1   281.8   283.5   285.1   286.9   290.8   294.6   298.3   300.5   308.1   325.0
 Commercial banks                 133.0   130.1   128.5   128.8   130.4   131.9   131.1   135.5   136.9   138.3   138.8   143.6   149.9
 Finance companies                 20.7    20.9    21.2    21.4    21.6    21.8    22.0    22.2    22.4    22.7    22.9    23.1    23.3
 Nonfinancial business             44.5    42.0    40.0    39.4    39.8    40.3    40.5    41.0    41.8    42.3    43.1    44.9    50.1
 Pools of securitized assets 5     74.6    73.8    73.9    72.7    71.7    70.8    72.5    71.5    72.8    74.6    74.8    75.2    79.8

Other                             245.2   246.7   243.0   239.6   243.2   238.6   239.3   238.1   239.5   241.4   240.3   242.2   249.1
 Commercial banks                 122.9   125.7   123.9   122.8   125.0   125.0   125.3   123.5   124.4   124.8   125.1   126.3   127.8
 Finance companies                 35.3    34.1    33.4    32.7    32.3    27.3    27.3    27.4    27.4    27.9    27.9    28.3    30.1
 Nonfinancial business             25.8    24.9    24.2    23.9    23.9    24.1    24.0    24.1    24.3    24.3    24.4    25.1    27.1
 Pools of securitized assets 5     10.9    10.8     9.9     9.7     9.9    10.0    10.2    10.2    10.1    10.5    10.1     9.9    10.5
---------------------------------------------------------------------------------------------------------------------------------------

1. Covers most short- and intermediate-term credit extended to individuals, excluding loans secured by real estate.
2. Percent changes calculated from unrounded data.
3. Comprises mobile home loans and all other loans not included in automobile or revolving credit, such as loans for education, boats,
trailers, or vacations. These loans may be secured or unsecured.
4. Interest rates are annual percentage rates (APR) as specified by the Federal Reserve's Regulation Z. Interest rates for new-car loans
and personal loans at commercial banks are simple unweighted averages of each bank's most common rate charged during the first calendar
week of the middle month of each quarter. For credit card accounts, the rate for all accounts is the stated APR averaged across all
credit card accounts at all reporting banks. The rate for accounts assessed interest is the annualized ratio of total finance charges at
all reporting banks to the total average daily balances against which the finance charges were assessed (excludes accounts for which no
finance charges were assessed). Finance company data are from the subsidiaries of the three major U.S. automobile manufacturers and are
volume-weighted averages covering all loans of each type purchased during the month.
5. Outstanding balances of pools upon which securities have been issued; these balances are no longer carried on the balance sheets of
the loan originators.
6. Includes estimates for holders that do not separately report consumer credit holding by type.
r=revised.  p=preliminary.

G.19                                                        CONSUMER CREDIT                        For release at 3 p.m. (Eastern Time)
1                                                            December 1992                                               August 7, 1997

CONSUMER CREDIT OUTSTANDING 1
Seasonally adjusted
---------------------------------------------------------------------------------------------------------------------------------------
                                 1991                                                1992
                                _______ _______________________________________________________________________________________________

                                Dec. r  Jan. r  Feb. r  Mar. r  Apr. r   May r  June r  July r  Aug. r  Sept. r Oct. r  Nov. r  Dec. r
---------------------------------------------------------------------------------------------------------------------------------------
Percent change at annual rate 2
  Total                            -0.8     2.5     1.8    -0.5    -3.4    -1.5    -2.2     1.3     2.0    -0.1     0.6     2.5     2.6
   Automobile                       3.6    11.2    -8.2     0.2    -1.2    -4.0    -9.7     2.5     2.0     0.6    -7.5     1.4     9.6
   Revolving                        2.3    10.3     6.2     1.4     5.5     2.1     7.3     1.5     4.2     5.8    10.8     0.1     8.7
   Other 3                         -8.7   -14.7     7.7    -3.3   -15.4    -2.7    -4.7    -0.1    -0.6    -7.4    -2.1     6.3   -11.8

Amount: billions of dollars
  Total                           779.3   780.9   782.1   781.7   779.5   778.5   777.1   777.9   779.2   779.1   779.5   781.1   782.8
   Automobile                     263.3   265.7   263.9   263.9   263.7   262.8   260.7   261.2   261.7   261.8   260.2   260.5   262.6
   Revolving                      263.2   265.4   266.8   267.1   268.3   268.8   270.4   270.8   271.7   273.0   275.5   275.5   277.5
   Other 3                        252.9   249.8   251.4   250.7   247.5   246.9   246.0   245.9   245.8   244.3   243.9   245.1   242.7
---------------------------------------------------------------------------------------------------------------------------------------

TERMS OF CREDIT AT COMMERCIAL BANKS AND FINANCE COMPANIES 4
Percent except as noted: not seasonally adjusted
---------------------------------------------------------------------------------------------------------------------------------------
Institution, terms, and type of loan
---------------------------------------------------------------------------------------------------------------------------------------
Commercial banks
  Interest rates
   48-mo. new car                  n.a.    n.a.    9.89    n.a.    n.a.    9.52    n.a.    n.a.    9.15    n.a.    n.a.    8.60    n.a.
   24-mo. personal                 n.a.    n.a.   14.39    n.a.    n.a.   14.28    n.a.    n.a.   13.94    n.a.    n.a.   13.55    n.a.
   Credit card plan
    All accounts                   n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.
    Accounts assessed interest     n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.

New car loans at auto finance companies
  Interest rates                  10.41   10.04   10.19   10.92   10.84   10.67   10.24    9.94    8.88    8.65    9.51    9.65    9.65
  Maturity (months)                53.7    53.5    53.8    54.3    54.5    54.7    54.4    54.4    53.6    53.3    54.1    54.1    53.6
  Loan-to-value ratio                88      89      89      89      89      89      89      89      90      90      89      89      90
  Amount financed (dollars)      13,476  13,135  13,340  13,137  13,208  13,373  13,369  13,570  13,745  13,889  13,885  14,043  14,315
---------------------------------------------------------------------------------------------------------------------------------------
This release is issued around the fifth business day of each month. The exact date and time may be obtained by calling (202) 452 - 3206.
Footnotes appear on reverse.

1
CONSUMER CREDIT OUTSTANDING
(Billions of dollars)
Not seasonally adjusted

---------------------------------------------------------------------------------------------------------------------------------------
                                 1991                                                1992
                                _______ _______________________________________________________________________________________________

                                Dec. r  Jan. r  Feb. r  Mar. r  Apr. r   May r  June r  July r  Aug. r  Sept. r Oct. r  Nov. r  Dec. r
---------------------------------------------------------------------------------------------------------------------------------------

Total                             796.7   787.4   779.7   775.6   773.6   772.3   772.8   773.0   779.1   781.3   779.8   784.6   801.0

Major holders
Commercial banks                  372.4   369.1   364.2   361.3   361.3   359.8   359.1   360.1   360.8   360.4   359.3   360.2   365.5
Finance companies                 121.6   118.9   120.8   118.9   118.7   116.5   117.0   117.4   118.0   117.5   117.1   117.5   118.1
Credit unions                      90.3    89.6    89.3    89.5    88.7    88.8    88.3    89.2    90.1    90.7    90.9    91.9    89.4
Savings institutions               42.2    41.4    40.5    39.3    38.7    38.6    38.1    38.0    37.9    37.5    36.7    36.8    37.4
Nonfinancial business              67.3    63.5    60.9    59.9    60.3    60.7    60.7    60.7    61.7    61.7    63.2    64.0    70.3
Pools of securitized assets 5     103.0   104.9   104.0   106.7   106.0   108.0   109.5   107.7   110.7   113.5   112.7   114.3   120.3

Major types of credit 6
Automobile                        264.2   265.1   262.6   262.3   261.8   261.3   259.8   260.5   262.8   264.1   262.7   262.1   263.8
 Commercial banks                 112.7   112.0   111.4   111.6   110.9   110.8   109.2   110.5   111.0   111.6   110.4   109.4   109.6
 Finance companies                 65.1    64.1    64.1    63.0    64.3    62.2    63.0    63.6    63.8    63.4    63.1    62.5    62.0
 Pools of securitized assets 5     30.1    31.5    30.3    31.9    30.5    32.2    31.6    30.4    31.6    32.8    32.5    33.7    34.7

Revolving                         277.1   270.4   266.0   263.7   264.5   265.5   267.8   267.7   270.6   272.2   274.0   276.8   292.0
 Commercial banks                 138.0   133.9   130.7   128.4   128.4   127.8   127.7   127.6   127.1   127.0   127.1   127.7   133.0
 Finance companies                 18.1    18.4    18.6    18.8    19.0    19.2    19.4    19.6    19.9    20.1    20.3    20.5    20.7
 Nonfinancial business             41.7    38.9    37.1    36.4    36.9    37.3    37.5    37.6    38.4    38.6    39.9    40.2    44.5
 Pools of securitized assets 5     63.4    63.4    63.8    64.5    64.5    65.1    67.0    66.5    68.6    69.7    69.1    69.8    74.6

Other                             255.4   251.9   251.1   249.6   247.2   245.5   245.1   244.8   245.7   245.1   243.2   245.7   245.2
 Commercial banks                 121.8   123.2   122.1   121.4   122.0   121.1   122.2   122.1   122.7   121.8   121.8   123.1   122.9
 Finance companies                 38.3    36.5    38.2    37.1    35.4    35.1    34.5    34.2    34.3    34.0    33.6    34.5    35.3
 Nonfinancial business             25.7    24.6    23.8    23.4    23.4    23.4    23.2    23.1    23.2    23.1    23.3    23.7    25.8
 Pools of securitized assets 5      9.4    10.0     9.8    10.4    11.0    10.7    11.0    10.7    10.5    11.0    11.0    10.8    10.9
---------------------------------------------------------------------------------------------------------------------------------------

1. Covers most short- and intermediate-term credit extended to individuals, excluding loans secured by real estate.
2. Percent changes calculated from unrounded data.
3. Comprises mobile home loans and all other loans not included in automobile or revolving credit, such as loans for education, boats,
trailers, or vacations. These loans may be secured or unsecured.
4. Interest rates are annual percentage rates (APR) as specified by the Federal Reserve's Regulation Z. Interest rates for new-car loans
and personal loans at commercial banks are simple unweighted averages of each bank's most common rate charged during the first calendar
week of the middle month of each quarter. For credit card accounts, the rate for all accounts is the stated APR averaged across all
credit card accounts at all reporting banks. The rate for accounts assessed interest is the annualized ratio of total finance charges at
all reporting banks to the total average daily balances against which the finance charges were assessed (excludes accounts for which no
finance charges were assessed). Finance company data are from the subsidiaries of the three major U.S. automobile manufacturers and are
volume-weighted averages covering all loans of each type purchased during the month.
5. Outstanding balances of pools upon which securities have been issued; these balances are no longer carried on the balance sheets of
the loan originators.
6. Includes estimates for holders that do not separately report consumer credit holding by type.
r=revised.  p=preliminary.

G.19                                                        CONSUMER CREDIT                        For release at 3 p.m. (Eastern Time)
1                                                            December 1991                                               August 7, 1997

CONSUMER CREDIT OUTSTANDING 1
Seasonally adjusted
---------------------------------------------------------------------------------------------------------------------------------------
                                 1990                                                1991
                                _______ _______________________________________________________________________________________________

                                Dec. r  Jan. r  Feb. r  Mar. r  Apr. r   May r  June r  July r  Aug. r  Sept. r Oct. r  Nov. r  Dec. r
---------------------------------------------------------------------------------------------------------------------------------------
Percent change at annual rate 2
  Total                            -8.6    -3.8     0.3     0.2    -0.6     0.1    -3.3    -2.4    -3.3    -2.9    -2.8    -2.9    -0.8
   Automobile                      -7.7    -8.5    -9.9    -7.2   -10.3   -13.3    -7.6    -8.6    -8.0    -5.5    -3.0    -8.6     3.6
   Revolving                       -4.7     3.0    19.1    22.1    10.1     9.5     5.8     7.4     8.7    13.7    13.0     5.7     2.3
   Other 3                        -12.8    -4.9    -5.6   -12.0    -0.5     5.1    -7.5    -5.3    -9.8   -16.4   -18.5    -5.9    -8.7

Amount: billions of dollars
  Total                           793.9   791.4   791.6   791.7   791.3   791.4   789.2   787.6   785.5   783.6   781.8   779.9   779.3
   Automobile                     283.1   281.1   278.8   277.1   274.7   271.7   270.0   268.0   266.2   265.0   264.4   262.5   263.3
   Revolving                      238.2   238.7   242.5   247.0   249.1   251.1   252.3   253.8   255.7   258.6   261.4   262.7   263.2
   Other 3                        272.7   271.6   270.3   267.6   267.5   268.6   267.0   265.8   263.6   260.0   256.0   254.7   252.9
---------------------------------------------------------------------------------------------------------------------------------------

TERMS OF CREDIT AT COMMERCIAL BANKS AND FINANCE COMPANIES 4
Percent except as noted: not seasonally adjusted
---------------------------------------------------------------------------------------------------------------------------------------
Institution, terms, and type of loan
---------------------------------------------------------------------------------------------------------------------------------------
Commercial banks
  Interest rates
   48-mo. new car                  n.a.    n.a.   11.60    n.a.    n.a.   11.28    n.a.    n.a.   11.06    n.a.    n.a.   10.61    n.a.
   24-mo. personal                 n.a.    n.a.   15.42    n.a.    n.a.   15.16    n.a.    n.a.   15.24    n.a.    n.a.   14.88    n.a.
   Credit card plan
    All accounts                   n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.
    Accounts assessed interest     n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.

New car loans at auto finance companies
  Interest rates                  12.86   12.99   13.16   13.14   13.14   12.95   12.77   12.55   12.40   12.38   12.23   10.79   10.41
  Maturity (months)                54.7    54.9    55.2    55.2    55.4    55.4    55.5    55.5    55.4    55.4    55.4    54.1    53.7
  Loan-to-value ratio                85      88      88      87      87      87      88      88      88      87      88      88      88
  Amount financed (dollars)      12,140  12,229  12,081  12,121  11,993  12,204  12,343  12,572  12,518  12,460  12,684  13,245  13,476
---------------------------------------------------------------------------------------------------------------------------------------
This release is issued around the fifth business day of each month. The exact date and time may be obtained by calling (202) 452 - 3206.
Footnotes appear on reverse.

1
CONSUMER CREDIT OUTSTANDING
(Billions of dollars)
Not seasonally adjusted

---------------------------------------------------------------------------------------------------------------------------------------
                                 1990                                                1991
                                _______ _______________________________________________________________________________________________

                                Dec. r  Jan. r  Feb. r  Mar. r  Apr. r   May r  June r  July r  Aug. r  Sept. r Oct. r  Nov. r  Dec. r
---------------------------------------------------------------------------------------------------------------------------------------

Total                             810.2   797.7   789.4   785.7   785.7   785.2   784.9   782.9   785.5   785.8   782.0   783.0   796.7

Major holders
Commercial banks                  387.0   380.9   378.3   374.1   375.4   374.1   372.6   372.6   372.6   370.4   368.1   367.0   372.4
Finance companies                 133.4   131.2   128.8   126.9   127.5   127.8   127.5   127.3   128.9   124.4   123.3   122.4   121.6
Credit unions                      91.6    90.3    89.2    88.5    88.5    88.4    88.5    88.1    88.9    89.2    88.8    88.5    90.3
Savings institutions               49.6    49.4    49.4    49.7    48.5    47.4    46.5    45.6    44.4    43.4    43.9    43.4    42.2
Nonfinancial business              71.9    67.8    64.5    63.3    62.7    61.7    61.2    60.8    62.0    60.9    60.9    62.7    67.3
Pools of securitized assets 5      76.7    78.0    79.3    83.3    83.0    85.8    88.6    88.4    88.8    97.4    97.1    99.1   103.0

Major types of credit 6
Automobile                        283.9   280.6   277.5   275.4   272.9   270.2   269.1   267.4   267.4   267.4   266.8   263.8   264.2
 Commercial banks                 124.9   124.4   122.5   120.7   119.6   118.0   117.6   116.8   115.6   114.3   114.1   113.5   112.7
 Finance companies                 75.8    73.2    71.0    69.7    69.9    68.9    69.6    69.7    70.9    68.0    67.4    66.3    65.1
 Pools of securitized assets 5     24.2    24.8    26.3    27.2    26.2    26.4    25.3    25.2    24.8    28.8    28.9    27.8    30.1

Revolving                         250.9   243.4   241.8   243.9   245.6   247.9   249.7   250.9   254.6   257.8   260.0   263.9   277.1
 Commercial banks                 133.4   127.1   127.3   126.5   128.2   128.6   127.0   127.8   129.3   129.3   131.3   130.5   138.0
 Finance companies                 15.6    15.8    16.0    16.2    16.4    16.6    16.9    17.1    17.3    17.5    17.7    17.9    18.1
 Nonfinancial business             44.9    42.2    39.7    38.8    38.3    37.2    36.8    36.7    37.6    36.7    36.7    38.0    41.7
 Pools of securitized assets 5     44.6    45.2    45.0    47.7    48.1    50.9    54.6    54.8    55.6    59.1    58.9    61.9    63.4

Other                             275.4   273.7   270.1   266.4   267.1   267.2   266.1   264.6   263.5   260.7   255.3   255.3   255.4
 Commercial banks                 128.7   129.4   128.5   126.8   127.6   127.5   128.1   128.0   127.6   126.7   122.6   123.1   121.8
 Finance companies                 42.0    42.3    41.8    41.0    41.1    42.2    41.0    40.6    40.7    39.0    38.2    38.2    38.3
 Nonfinancial business             27.0    25.7    24.8    24.5    24.4    24.5    24.3    24.2    24.4    24.2    24.2    24.7    25.7
 Pools of securitized assets 5      7.9     8.0     8.0     8.3     8.7     8.5     8.7     8.5     8.4     9.5     9.3     9.3     9.4
---------------------------------------------------------------------------------------------------------------------------------------

1. Covers most short- and intermediate-term credit extended to individuals, excluding loans secured by real estate.
2. Percent changes calculated from unrounded data.
3. Comprises mobile home loans and all other loans not included in automobile or revolving credit, such as loans for education, boats,
trailers, or vacations. These loans may be secured or unsecured.
4. Interest rates are annual percentage rates (APR) as specified by the Federal Reserve's Regulation Z. Interest rates for new-car loans
and personal loans at commercial banks are simple unweighted averages of each bank's most common rate charged during the first calendar
week of the middle month of each quarter. For credit card accounts, the rate for all accounts is the stated APR averaged across all
credit card accounts at all reporting banks. The rate for accounts assessed interest is the annualized ratio of total finance charges at
all reporting banks to the total average daily balances against which the finance charges were assessed (excludes accounts for which no
finance charges were assessed). Finance company data are from the subsidiaries of the three major U.S. automobile manufacturers and are
volume-weighted averages covering all loans of each type purchased during the month.
5. Outstanding balances of pools upon which securities have been issued; these balances are no longer carried on the balance sheets of
the loan originators.
6. Includes estimates for holders that do not separately report consumer credit holding by type.
r=revised.  p=preliminary.

G.19                                                        CONSUMER CREDIT                        For release at 3 p.m. (Eastern Time)
1                                                            December 1990                                               August 7, 1997

CONSUMER CREDIT OUTSTANDING 1
Seasonally adjusted
---------------------------------------------------------------------------------------------------------------------------------------
                                 1989                                                1990
                                _______ _______________________________________________________________________________________________

                                 Dec.   Jan. r  Feb. r  Mar. r  Apr. r   May r  June r  July r  Aug. r  Sept. r Oct. r  Nov. r  Dec. r
---------------------------------------------------------------------------------------------------------------------------------------
Percent change at annual rate 2
  Total                             4.8     4.4     3.2     0.7     1.4     3.0     5.1     5.6     1.8     0.2     4.0    -0.2    -8.6
   Automobile                      -6.3     0.2    -1.7    -2.0    -0.2     2.4     2.9    -0.3    -7.7    -3.5    -6.6    -5.4    -7.7
   Revolving                       19.8    15.5    17.0     5.4    13.0    18.8    13.5    20.0    12.9    11.6     8.3    15.2    -4.7
   Other 3                          5.2     0.3    -2.2    -0.2    -6.0    -8.9     0.6     0.0     2.5    -5.4    11.5    -8.0   -12.8

Amount: billions of dollars
  Total                           780.4   783.3   785.4   785.8   786.7   788.7   792.0   795.7   796.9   797.1   799.8   799.7   793.9
   Automobile                     290.2   290.3   289.8   289.4   289.3   289.9   290.6   290.5   288.6   287.8   286.2   284.9   283.1
   Revolving                      210.9   213.7   216.7   217.7   220.0   223.5   226.0   229.7   232.2   234.5   236.1   239.1   238.2
   Other 3                        279.3   279.4   278.9   278.8   277.4   275.4   275.5   275.5   276.1   274.8   277.5   275.6   272.7
---------------------------------------------------------------------------------------------------------------------------------------

TERMS OF CREDIT AT COMMERCIAL BANKS AND FINANCE COMPANIES 4
Percent except as noted: not seasonally adjusted
---------------------------------------------------------------------------------------------------------------------------------------
Institution, terms, and type of loan
---------------------------------------------------------------------------------------------------------------------------------------
Commercial banks
  Interest rates
   48-mo. new car                  n.a.    n.a.   11.80    n.a.    n.a.   11.82    n.a.    n.a.   11.89    n.a.    n.a.   11.62    n.a.
   24-mo. personal                 n.a.    n.a.   15.27    n.a.    n.a.   15.41    n.a.    n.a.   15.46    n.a.    n.a.   15.69    n.a.
   Credit card plan
    All accounts                   n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.
    Accounts assessed interest     n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.    n.a.

New car loans at auto finance companies
  Interest rates                  13.27   12.64   12.67   12.31   12.21   12.23   12.58   12.68   12.62   12.34   12.57   12.74   12.86
  Maturity (months)                55.1    54.7    54.7    54.3    54.2    54.5    54.8    54.9    54.8    54.3    54.6    54.6    54.7
  Loan-to-value ratio                89      89      88      88      87      87      87      86      86      85      85      85      85
  Amount financed (dollars)      12,301  12,381  12,053  12,216  12,089  12,064  12,108  12,125  11,939  11,837  11,917  11,986  12,140
---------------------------------------------------------------------------------------------------------------------------------------
This release is issued around the fifth business day of each month. The exact date and time may be obtained by calling (202) 452 - 3206.
Footnotes appear on reverse.

1
CONSUMER CREDIT OUTSTANDING
(Billions of dollars)
Not seasonally adjusted

---------------------------------------------------------------------------------------------------------------------------------------
                                 1989                                                1990
                                _______ _______________________________________________________________________________________________

                                 Dec.   Jan. r  Feb. r  Mar. r  Apr. r   May r  June r  July r  Aug. r  Sept. r Oct. r  Nov. r  Dec. r
---------------------------------------------------------------------------------------------------------------------------------------

Total                             795.0   789.2   783.3   779.9   781.4   782.7   787.9   791.5   797.3   799.4   800.3   802.7   810.2

Major holders
Commercial banks                  385.1   385.1   380.8   377.1   379.5   379.5   378.8   379.2   382.7   384.4   385.6   385.6   387.0
Finance companies                 138.9   138.5   136.5   134.9   134.9   134.8   134.8   137.4   137.6   138.8   139.2   136.3   133.4
Credit unions                      91.7    91.1    90.5    90.0    90.1    90.3    90.4    90.8    91.7    91.6    91.8    91.6    91.6
Savings institutions               62.5    61.0    60.4    60.4    59.7    58.1    57.1    56.4    54.8    53.1    51.8    51.7    49.6
Nonfinancial business              69.6    66.5    63.8    63.5    63.3    63.6    63.9    63.6    64.8    64.3    63.7    65.3    71.9
Pools of securitized assets 5      47.3    47.1    51.3    53.9    54.0    56.3    63.0    64.1    65.7    67.2    68.1    72.1    76.7

Major types of credit 6
Automobile                        290.9   289.8   288.6   287.5   287.4   288.3   289.6   289.9   290.0   290.3   288.8   286.3   283.9
 Commercial banks                 126.3   126.9   126.8   125.8   126.2   126.8   126.9   126.5   127.6   128.3   127.2   125.6   124.9
 Finance companies                 84.1    83.3    81.6    81.0    80.8    80.5    79.8    80.3    79.5    80.4    80.5    77.2    75.8
 Pools of securitized assets 5     17.6    17.3    18.3    19.0    18.8    19.5    21.5    21.8    21.7    21.1    20.6    23.1    24.2

Revolving                         222.3   217.9   216.1   214.9   217.0   220.5   223.5   227.1   231.2   233.7   234.7   240.2   250.9
 Commercial banks                 130.8   128.5   125.2   122.3   124.3   125.6   122.5   125.2   126.7   127.4   127.4   129.8   133.4
 Finance companies                 13.0    13.2    13.4    13.6    13.8    14.1    14.3    14.5    14.7    14.9    15.1    15.3    15.6
 Nonfinancial business             43.5    41.3    39.4    39.2    38.9    39.1    39.5    39.2    40.2    39.8    39.2    40.2    44.9
 Pools of securitized assets 5     22.6    22.9    26.2    28.0    28.2    29.8    35.4    36.2    37.7    39.6    40.9    42.5    44.6

Other                             281.9   281.5   278.6   277.5   276.9   273.9   274.7   274.5   276.1   275.5   276.7   276.1   275.4
 Commercial banks                 128.0   129.7   128.9   129.0   129.0   127.2   129.3   127.4   128.4   128.8   131.0   130.2   128.7
 Finance companies                 41.8    41.9    41.4    40.3    40.3    40.3    40.7    42.6    43.4    43.5    43.5    43.8    42.0
 Nonfinancial business             26.1    25.2    24.4    24.3    24.4    24.5    24.4    24.4    24.6    24.5    24.5    25.1    27.0
 Pools of securitized assets 5      7.1     6.9     6.8     7.0     7.0     6.9     6.1     6.1     6.3     6.5     6.6     6.5     7.9
---------------------------------------------------------------------------------------------------------------------------------------

1. Covers most short- and intermediate-term credit extended to individuals, excluding loans secured by real estate.
2. Percent changes calculated from unrounded data.
3. Comprises mobile home loans and all other loans not included in automobile or revolving credit, such as loans for education, boats,
trailers, or vacations. These loans may be secured or unsecured.
4. Interest rates are annual percentage rates (APR) as specified by the Federal Reserve's Regulation Z. Interest rates for new-car loans
and personal loans at commercial banks are simple unweighted averages of each bank's most common rate charged during the first calendar
week of the middle month of each quarter. For credit card accounts, the rate for all accounts is the stated APR averaged across all
credit card accounts at all reporting banks. The rate for accounts assessed interest is the annualized ratio of total finance charges at
all reporting banks to the total average daily balances against which the finance charges were assessed (excludes accounts for which no
finance charges were assessed). Finance company data are from the subsidiaries of the three major U.S. automobile manufacturers and are
volume-weighted averages covering all loans of each type purchased during the month.
5. Outstanding balances of pools upon which securities have been issued; these balances are no longer carried on the balance sheets of
the loan originators.
6. Includes estimates for holders that do not separately report consumer credit holding by type.
r=revised.  p=preliminary.