G.20 Finance Companies 

1

January 2024

Notes about the Data

The Federal Reserve Board announced on March 25, 2024 the following changes to the Finance Companies (G.20) statistical releas

G.20 Finance Companies release, scheduled to be published in June, data for the Finance Companies New and Used Car Loa

produced from Experian's Velocity Risk Report instead of Experian's Autocount Risk Report. The updated source data will affect only d

forward; previous data will not be affected. The type of measures shown will not change.
G.20 Finance Companies1 

January 2024 

Owned and Managed Receivables Outstanding2Seasonally adjusted. Billions of dollars except as noted.

2022 2023 

2019 2020 2021 2022 2023r Q4 Q1 Q2 Q3 Q4

Total percent change (annual rate)3 -0.6 -2.3 -4.1 0.7 5.8 3.3 -0.1 10.4 6.0 6.4 

 Consumer 0.1 0.6 1.1 -5.3 4.1 -2.4 1.7 7.4 3.8 3.4  Real estate 2.1 -6.1 -12.4 -3.3 -2.8 -1.6 -4.6 -1.5 -3.9 -1.1  Business -2.6 -6.7 -12.3 14.7 13.4 15.6 -0.2 22.2 14.6 14.7 Total flow (annual rate)4 -7.0 -28.8 -49.8 13.1 104.2 59.5 -1.9 188.2 110.0 120.4  Consumer 1.0 4.2 8.0 -49.2 36.6 -21.6 14.8 65.6 34.6 31.5  Real estate 2.4 -7.2 -13.6 -11.5 -9.5 -5.5 -15.8 -5.0 -13.2 -3.8  Business -10.4 -25.9 -44.3 73.7 77.0 86.7 -0.9 127.6 88.6 92.7 Total outstanding 1,233.1 1,204.3 1,789.5 1,802.6 1,906.8 1,802.6 1,802.1 1,849.2 1,876.7 1,906.8  Consumer 729.2 733.5 934.5 885.3 922.0 885.3 889.0 905.4 914.1 922.0  Real estate 117.2 110.0 352.6 341.1 331.6 341.1 337.1 335.9 332.6 331.6  Business 386.7 360.8 502.5 576.2 653.2 576.2 576.0 607.9 630.0 653.2 

Auto Loans: Terms of Credit5Not seasonally adjusted.New car loans Interest rates (percent) 6.4 5.2 4.6 5.2 6.7 6.1 6.4 6.6 6.7 7.0  Maturity (months) 67 69 67 67 66 67 66 65 65 65  Amount financed (dollars) 31,311 34,449 35,307 38,900 38,716 39,407 39,066 38,689 38,588 38,519 Used car loans Interest rates (percent) 14.7 13.6 13.5 14.2 15.7 14.8 15.7 16.0 15.4 15.9  Maturity (months) 63 64 65 66 66 66 66 66 66 66  Amount financed (dollars) 18,442 19,636 22,208 25,033 23,985 24,909 23,537 23,724 24,598 24,082 Footnotes appear on the third page.
Owned and Managed Receivables Outstanding (Levels)2

(Billions of dollars)Not seasonally adjusted

2022 2023 

2019 2020 2021 2022 2023r Q4 Q1 Q2 Q3 Q4

Total 1,233.1 1,204.3 1,789.5 1,802.6 1,906.8 1,802.6 1,799.5 1,846.1 1,872.6 1,906.8  Consumer 729.2 733.5 934.5 885.3 922.0 885.3 883.8 902.7 913.9 922.0  Motor vehicle loans 321.5 350.3 448.6 462.8 521.9 462.8 473.6 492.9 508.8 521.9  Motor vehicle leases 191.5 182.1 239.4 202.6 194.7 202.6 197.8 196.2 195.2 194.7 

Revolving6 21.9 17.1 24.7 22.3 20.8 22.3 20.6 20.8 20.4 20.8 Other7 194.4 184.0 221.8 197.7 184.5 197.7 191.8 192.8 189.5 184.5 

 Real estate 117.2 110.0 352.6 341.1 331.6 341.1 338.2 336.4 332.3 331.6  One-to-four family 85.4 77.1 310.6 300.7 296.2 300.7 298.2 297.3 295.1 296.2  Other 31.8 32.9 42.0 40.4 35.4 40.4 39.9 39.1 37.3 35.4  Business 386.7 360.8 502.5 576.2 653.2 576.2 577.5 607.0 626.3 653.2  Motor vehicles 113.7 92.3 90.1 121.4 151.4 121.4 118.4 124.6 131.1 151.4  Retail loans 18.3 19.6 27.0 31.1 38.7 31.1 33.1 34.9 36.8 38.7 

Wholesale loans8 86.2 64.1 52.4 80.4 103.0 80.4 75.6 80.0 84.6 103.0 

 Leases 9.2 8.6 10.7 9.9 9.7 9.9 9.7 9.7 9.6 9.7  Equipment 196.9 187.7 276.2 305.1 333.8 305.1 307.4 321.6 329.9 333.8  Loans 120.9 118.8 141.0 158.7 179.9 158.7 163.3 173.7 178.5 179.9  Leases 76.0 68.9 135.2 146.4 153.8 146.4 144.1 147.9 151.4 153.8 

Other business receivables9 76.1 80.9 136.2 149.7 168.1 149.7 151.7 160.8 165.3 168.1 

Footnotes appear on the third page.
Owned and Managed Receivables Outstanding (Flows)2,4

(Billions of dollars, annual rate)Not seasonally adjusted

2022 2023 

2019 2020 2021 2022 2023r Q4 Q1 Q2 Q3 Q4

Total -7.0 -28.8 -49.8 13.1 104.2 76.0 -12.3 186.3 105.8 136.9  Consumer 1.0 4.2 8.0 -49.2 36.6 -21.0 -6.1 75.7 44.8 32.1  Motor vehicle loans 9.9 28.9 20.4 14.2 59.2 42.7 43.4 77.1 63.6 52.5  Motor vehicle leases -2.4 -9.4 -9.8 -36.8 -7.9 -33.3 -19.4 -6.2 -4.0 -2.2 

Revolving6 -1.9 -4.8 -5.6 -2.5 -1.4 2.2 -6.5 0.6 -1.4 1.7 Other7 -4.7 -10.4 3.1 -24.1 -13.2 -32.5 -23.6 4.2 -13.4 -19.9 

 Real estate 2.4 -7.2 -13.6 -11.5 -9.5 -4.6 -11.7 -7.2 -16.1 -2.8  One-to-four family -1.7 -8.2 -12.0 -9.9 -4.5 -1.0 -9.8 -3.7 -8.9 4.6  Other 4.1 1.1 -1.6 -1.5 -5.0 -3.6 -1.9 -3.5 -7.2 -7.4  Business -10.4 -25.9 -44.3 73.7 77.0 101.6 5.5 117.8 77.1 107.7  Motor vehicles -2.0 -21.4 -24.2 31.3 29.9 68.1 -11.9 24.8 25.7 81.2  Retail loans 0.7 1.4 2.2 4.1 7.6 8.3 7.9 7.3 7.8 7.5 

Wholesale loans8 -2.7 -22.2 -25.6 28.0 22.5 60.6 -19.3 17.6 18.2 73.6 

 Leases 0.0 -0.6 -0.8 -0.8 -0.2 -0.8 -0.6 -0.1 -0.3 0.1  Equipment -2.8 -9.2 -13.4 28.9 28.7 22.1 9.2 56.8 33.3 15.5  Loans -4.9 -2.1 8.4 17.7 21.2 15.2 18.2 41.5 19.1 5.9  Leases 2.1 -7.1 -21.8 11.2 7.5 6.9 -9.0 15.3 14.1 9.6 

Other business receivables9 -5.6 4.7 -6.6 13.5 18.4 11.5 8.3 36.2 18.1 11.0 

Footnotes

1. Includes finance company subsidiaries of bank holding companies, but not of retailers and banks.2. Owned receivables are those carried on the balance sheet of the institution. Managed receivables include outstanding balances of pools upon which se

are no longer carried on the balance sheets of the loan originator. Data are shown before deductions for unearned income and losses. Components ma

3. The series may contain breaks that result from discontinuities in source data. Growth rates are adjusted to exclude the effect of such breaks. In addition

rate and are calculated from unrounded data.

4. Flow data represent changes in the level of credit due to economic and financial activity, and exclude breaks in the data series due to changes in metho

aspects of the estimation that could affect the level of credit.

5. Covers most of the captive and non-captive finance companies. The series of finance company car loan terms included in previous releases are discon

Data Download Program.

6. Excludes revolving credit reported as held by depository institutions that are subsidiaries of finance companies.7. Includes student loans, personal cash loans, mobile home loans, and loans to purchase other types of consumer goods such as appliances, apparel, bo8. Credit arising from transactions between manufacturers and dealers, that is, floor plan financing.9. Includes loans on commercial accounts receivable, factored commercial accounts, and receivable dealer capital; small loans used primarily for business 

lease paper for mobile homes, recreation vehicles, and travel trailers.

 r=revised. p=preliminary. n.a.=not available.