Call report code · Schedule RC-L
RCFDJ455: Credit Card Lines: Unused Consumer Credit Card Lines
RCFDJ455 is the call report code for credit card lines: unused consumer credit card lines, reported on Schedule RC-L, Derivatives and Off-Balance-Sheet Items. For Q2 2026, 73 banks reported it, totaling $4.16T; the median among the 37 with a nonzero amount was $5.18B. The largest value reported for Q2 2026 was $1.00T, by JPMorgan Chase Bank, N.A.
Definition
Y-9C Schedule HC-L Item 1.b.(1)
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCFDJ455 sits on the call report
| Code | RCFDJ455 (prefix RCFD, item J455) |
|---|---|
| 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 | 2010 |
The same item under other prefixes
Item J455 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCONJ455 | Domestic offices. Banks without foreign offices (FFIEC 041 and 051 filers) report their whole balance sheet in RCON items | 720 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCFDJ455 |
|---|---|---|
| JPMorgan Chase Bank, N.A. | Columbus, OH | $1.00T |
| Capital One, N.A. | McLean, VA | $676.67B |
| Citibank, N.A. | Sioux Falls, SD | $660.25B |
| Synchrony Bank | Draper, UT | $431.00B |
| Bank of America, N.A. | Charlotte, NC | $429.89B |
| American Express National Bank | Sandy, UT | $342.83B |
| Wells Fargo Bank, N.A. | Sioux Falls, SD | $192.19B |
| U.S. Bank N.A. | Cincinnati, OH | $150.27B |
| 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 | 73 | $4.16T |
| March 31, 2026 | 1 | $0 |
| December 31, 2025 | 72 | $4.00T |
| September 30, 2025 | 1 | $0 |
| June 30, 2025 | 72 | $3.94T |
| March 31, 2025 | 2 | $421.83B |
| December 31, 2024 | 72 | $3.83T |
| September 30, 2024 | 2 | $417.15B |
Related
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