U.S. FEDERAL SPENDING · FUNCTION 370
Commerce & Housing Credit
Credit, insurance & commerce. Follow the spending and understand what it includes.
Week starts Monday · YTD starts January 1 · UTC. All-time history is not yet available.
LATEST REPORTED NET OUTLAYS
-$15,465,292,146Net receipts and recoveries exceed outlays.
Published total for the source reporting period.
What does commerce & housing credit include?
BEHIND THE NUMBER
This function includes mortgage credit, deposit insurance, the Postal Service and other commerce activities. Recoveries and receipts can produce negative net outlays.
- Mortgage credit
- Deposit insurance
- Postal Service
- Other commerce activities
These topics describe the full budget category. Available breakdowns on this page cover only the programs and reporting periods identified alongside them.
Read the congressional category definitions ↗How to read this number
Spending and debt answer different questions. This page shows spending within one federal budget function. The national debt is the accumulated outstanding balance of federal borrowing, not a sum of these category counters.
Source, calculation & original data
Source: U.S. Treasury, Monthly Treasury Statement, Table 9. Retrieved 2026-10-26. Reported total: -$15,465,292,146.
Rate = reported amount ÷ 31,536,000 seconds in the reporting period. Estimated ranges apply this historical average to elapsed seconds since midnight today, Monday, the first of the month, or January 1 (UTC). These are modeled totals, not measured weekly, monthly or calendar-year outlays. The reported-period view shows the original published total. Estimates stop 45 days after the reporting period ends. Negative net outlays remain static.
Funds approved by law and actual outlays differ in timing and scope. This page does not claim to show a new congressional appropriation.
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