74) Over the Past Three Months, How Have the Terms Under Which Consumer Abs (for Example, Backed by Credit Card Receivables or Auto Loans) Are Funded Changed?| A. Terms for Average Clients | 3. Haircuts. | Answer Type: Tightened Considerably
ALLQ74A3TCNR • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.00
Year-over-Year Change
N/A%
Date Range
10/1/2011 - 1/1/2025
Summary
Measures changes in consumer asset-backed securities funding terms through haircut analysis. Provides critical insights into credit market risk assessment.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
This indicator tracks how funding terms for consumer asset-backed securities have transformed, particularly focusing on haircut levels.
Methodology
Surveyed from financial institutions tracking consumer asset-backed security markets.
Historical Context
Used by credit market analysts to understand lending risk dynamics.
Key Facts
- Indicates significant tightening in consumer ABS funding
- Reflects increased caution in credit markets
- Important for understanding lending risk
FAQs
Q: What are haircuts in asset-backed securities?
A: Haircuts represent the difference between an asset's market value and its value as collateral, indicating risk.
Q: Why do haircuts matter?
A: They reflect lenders' perceived risk and can indicate tightening or loosening of credit conditions.
Q: What types of assets are typically involved?
A: Credit card receivables, auto loans, and other consumer credit instruments are common.
Q: How do tightened terms impact consumers?
A: Stricter terms can mean higher borrowing costs and more difficult credit access.
Q: What causes changes in haircuts?
A: Economic conditions, default risks, and market sentiment can influence haircut levels.
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Related Trends
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Citation
U.S. Federal Reserve, Consumer ABS Funding Terms (ALLQ74A3TCNR), retrieved from FRED.