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 | 4. Collateral Spreads over Relevant Benchmark (Effective Financing Rates). | Answer Type: Eased Somewhat
ALLQ74A4ESNR • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
3.00
Year-over-Year Change
200.00%
Date Range
10/1/2011 - 1/1/2025
Summary
This economic indicator tracks changes in funding terms for consumer asset-backed securities, specifically focusing on collateral spreads over benchmark financing rates. The trend provides insights into credit market conditions and the relative cost of funding for financial institutions.
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
The metric represents the ease or tightness of funding terms for consumer asset-backed securities, including credit card and auto loan receivables. Economists use this indicator to assess credit market liquidity and potential shifts in lending conditions.
Methodology
Data is collected through surveys and financial market observations, tracking the spread between collateral rates and relevant benchmark financing rates.
Historical Context
This trend is used by policymakers and financial analysts to understand credit market dynamics and potential economic stress points.
Key Facts
- Tracks funding terms for consumer asset-backed securities
- Measures collateral spreads over benchmark financing rates
- Indicates potential changes in credit market conditions
FAQs
Q: What do collateral spreads indicate about the credit market?
A: Collateral spreads reflect the risk premium and funding costs for asset-backed securities. Wider spreads typically suggest increased market uncertainty or perceived risk.
Q: How do changes in these funding terms impact consumers?
A: Changes in funding terms can influence lending rates and credit availability for consumers, potentially affecting loan costs and accessibility.
Q: What types of assets are typically included in this metric?
A: The indicator primarily covers consumer asset-backed securities like credit card receivables and auto loans.
Q: How do policymakers use this information?
A: Central banks and regulators use this data to assess credit market health and potential needs for monetary policy intervention.
Q: How frequently is this data updated?
A: Typically, this metric is updated quarterly, providing a snapshot of recent credit market conditions.
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Citation
U.S. Federal Reserve, 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 | 4. Collateral Spreads over Relevant Benchmark (Effective Financing Rates). | Answer Type: Eased Somewhat [ALLQ74A4ESNR], retrieved from FRED.
Last Checked: 8/1/2025