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.
Related Trends
55) Over the Past Three Months, How Have Liquidity and Functioning in the High-Grade Corporate Bond Market Changed?| Answer Type: Deteriorated Considerably
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39) Over the Past Three Months, How Has the Volume of Mark and Collateral Disputes with Clients of Each of the Following Types Changed?| F. Separately Managed Accounts Established with Investment Advisers. | Answer Type: Remained Basically Unchanged
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66) Over the Past Three Months, How Have the Terms Under Which Non-Agency Rmbs Are Funded Changed?| A. Terms for Average Clients | 1. Maximum Amount of Funding. | Answer Type: Eased Considerably
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31) To the Extent That the Price or Nonprice Terms Applied to Separately Managed Accounts Established with Investment Advisers Have Tightened or Eased over the Past Three Months (as Reflected in Your Responses to Questions 29 and 30), What Are the Most Important Reasons for the Change?| A. Possible Reasons for Tightening | 5. Diminished Availability of Balance Sheet or Capital at Your Institution. | Answer Type: First in Importance
ALLQ31A5MINR
37) To the Extent That the Price or Nonprice Terms Applied to Nonfinancial Corporations Have Tightened or Eased over the Past Three Months (as Reflected in Your Responses to Questions 35 and 36), What Are the Most Important Reasons for the Change?| B. Possible Reasons for Easing | 3. Adoption of Less-Stringent Market Conventions (That is, Collateral Terms and Agreements, Isda Protocols). | Answer Type: First in Importance
ALLQ37B3MINR
56) Over the Past Three Months, How Have the Terms Under Which High-Yield Corporate Bonds Are Funded Changed?| A. Terms for Average Clients | 2. Maximum Maturity. | Answer Type: Tightened Considerably
ALLQ56A2TCNR
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