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?| B. Terms for Most Favored Clients, as a Consequence of Breadth, Duration And/or Extent of Relationship | 3. Haircuts. | Answer Type: Remained Basically Unchanged
ALLQ74B3RBUNR • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
12.00
Year-over-Year Change
-7.69%
Date Range
10/1/2011 - 1/1/2025
Summary
This economic indicator tracks the stability of funding terms for consumer asset-backed securities over a three-month period. It provides insight into the credit market's consistency and lending conditions for most favored clients.
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 trend measures the haircuts or risk adjustments applied to consumer asset-backed securities, particularly those related to credit card receivables and auto loans. Economists use this metric to assess the underlying stability and risk perception in consumer credit markets.
Methodology
Data is collected through surveys and reporting from financial institutions, tracking changes in funding terms for asset-backed securities.
Historical Context
This indicator helps policymakers and investors understand credit market dynamics and potential shifts in lending standards.
Key Facts
- Tracks funding terms for consumer asset-backed securities
- Focuses on most favored clients in the market
- Indicates stability in credit market conditions
FAQs
Q: What does this economic indicator measure?
A: It measures the stability of funding terms for consumer asset-backed securities over a three-month period, specifically focusing on haircuts for most favored clients.
Q: Why are asset-backed securities important?
A: Asset-backed securities are crucial for providing liquidity in credit markets and enabling financial institutions to manage risk and extend credit.
Q: How often is this data updated?
A: Typically, this type of economic indicator is updated quarterly, providing a snapshot of recent market conditions.
Q: What do unchanged terms suggest about the credit market?
A: Unchanged terms often indicate stability and consistent risk assessment in the consumer credit market.
Q: How do economists use this data?
A: Economists analyze this indicator to understand credit market trends, assess lending conditions, and inform policy decisions.
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Related Trends
62) Over the Past Three Months, How Have the Terms Under Which Agency Rmbs Are Funded Changed?| B. Terms for Most Favored Clients, as a Consequence of Breadth, Duration And/or Extent of Relationship | 2. Maximum Maturity. | Answer Type: Remained Basically Unchanged
ALLQ62B2RBUNR
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?| B. Terms for Most Favored Clients, as a Consequence of Breadth, Duration And/or Extent of Relationship | 4. Collateral Spreads over Relevant Benchmark (Effective Financing Rates). | Answer Type: Tightened Considerably
ALLQ74B4TCNR
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: Decreased Somewhat
ALLQ39FDSNR
34) How Has the Provision of Differential Terms by Your Institution to Separately Managed Accounts Established with Most-Favored (as a Function of Breadth, Duration, and Extent of Relationship) Investment Advisers Changed Over the Past Three Months?| Answer Type: Increased Somewhat
CTQ34ISNR
30) Over the Past Three Months, How Has Your Use of Nonprice Terms (for Example, Haircuts, Maximum Maturity, Covenants, Cure Periods, Cross-Default Provisions or Other Documentation Features) with Respect to Separately Managed Accounts Established with Investment Advisers Across the Entire Spectrum of Securities Financing and Otc Derivatives Transaction Types Changed, Regardless of Price Terms?| Answer Type: Eased Considerably
ALLQ30ECNR
32) How Has the Intensity of Efforts by Investment Advisers to Negotiate More-Favorable Price and Nonprice Terms on Behalf of Separately Managed Accounts Changed Over the Past Three Months?| Answer Type: Remained Basically Unchanged
CTQ32RBUNR
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?| B. Terms for Most Favored Clients, as a Consequence of Breadth, Duration And/or Extent of Relationship | 3. Haircuts. | Answer Type: Remained Basically Unchanged [ALLQ74B3RBUNR], retrieved from FRED.
Last Checked: 8/1/2025