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: Tightened Considerably
ALLQ74A4TCNR • 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
This economic indicator tracks changes in collateral spreads for consumer asset-backed securities over a three-month period. It provides insight into the tightening of lending terms and credit market conditions for consumer loans.
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 reflects how financial institutions are adjusting the risk premium for funding consumer asset-backed securities, particularly in credit card and auto loan markets. Economists use this indicator to assess credit market stress and potential changes in lending standards.
Methodology
Data is collected through surveys and financial market observations, tracking the spread between benchmark rates and actual financing costs for consumer asset-backed securities.
Historical Context
Policymakers and financial analysts use this trend to understand credit market dynamics, potential economic constraints, and overall lending environment.
Key Facts
- Indicates tightening of lending terms for consumer asset-backed securities
- Reflects potential changes in credit market risk assessment
- Provides insight into financial institution lending strategies
FAQs
Q: What does this economic indicator measure?
A: It tracks changes in collateral spreads for consumer asset-backed securities, showing how lending terms are evolving over a three-month period.
Q: Why are collateral spreads important?
A: Collateral spreads indicate the risk premium lenders are charging, which can signal tightening or loosening of credit market conditions.
Q: How is this data collected?
A: The Federal Reserve collects this information through financial market surveys and direct observations of lending practices.
Q: What does a 'tightened considerably' rating mean?
A: It suggests that lenders are becoming more cautious, potentially increasing borrowing costs or reducing lending availability.
Q: How often is this data updated?
A: Typically, this indicator is updated quarterly, providing a snapshot of recent changes in consumer asset-backed securities markets.
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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: Tightened Considerably [ALLQ74A4TCNR], retrieved from FRED.
Last Checked: 8/1/2025