RCFD3815: Unused Commitments - Credit Card Lines
RCFD3815 is the call report code for unused commitments - credit card lines, reported on Schedule RC-L, Derivatives and Off-Balance-Sheet Items. For Q2 2026, 80 banks reported it, totaling $4.59T; the median among the 40 with a nonzero amount was $6.80B. The largest value reported for Q2 2026 was $1.12T, by JPMorgan Chase Bank, N.A.
Definition
Includes the unused portions of all commitments to extend credit both to individuals for household, family, and other personal expenditures and to commercial or industrial enterprises through credit cards. Excludes home equity lines accessible through credit cards. Banks or bank holding companies may report unused credit card lines as of the end of their customers' last monthly billing cycle prior to the report date or as of the report date.
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCFD3815 sits on the call report
| Code | RCFD3815 (prefix RCFD, item 3815) |
|---|---|
| Prefix RCFD | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices). |
| Schedule | RC-L, Derivatives and Off-Balance-Sheet Items |
| Reported on | FFIEC 031 |
| Value | Dollar amount, reported in thousands, as of the quarter end |
| In the MDRM since | 1990 |
The same item under other prefixes
Item 3815 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCON3815 | Domestic offices. Banks without foreign offices (FFIEC 041 and 051 filers) report their whole balance sheet in RCON items | 4,217 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCFD3815 |
|---|---|---|
| JPMorgan Chase Bank, N.A. | Columbus, OH | $1.12T |
| Citibank, N.A. | Sioux Falls, SD | $707.43B |
| Capital One, N.A. | McLean, VA | $700.81B |
| Bank of America, N.A. | Charlotte, NC | $489.43B |
| Synchrony Bank | Draper, UT | $452.51B |
| American Express National Bank | Sandy, UT | $399.98B |
| Wells Fargo Bank, N.A. | Sioux Falls, SD | $210.69B |
| U.S. Bank N.A. | Cincinnati, OH | $186.81B |
| Goldman Sachs Bank USA | New York, NY | $74.52B |
| USAA Federal Savings Bank | Phoenix, AZ | $64.07B |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 80 | $4.59T |
| March 31, 2026 | 80 | $4.51T |
| December 31, 2025 | 80 | $4.43T |
| September 30, 2025 | 80 | $4.40T |
| June 30, 2025 | 80 | $4.36T |
| March 31, 2025 | 82 | $4.32T |
| December 31, 2024 | 82 | $4.23T |
| September 30, 2024 | 82 | $4.21T |
Related
All codes on Schedule RC-L · All call report schedules · Find the code for a loan type · What a call report is