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.
Related Trends
39) Over the Past Three Months, How Has the Volume of Mark and Collateral Disputes with Clients of Each of the Following Types Changed?| B. Hedge Funds. | Answer Type: Decreased Somewhat
ALLQ39BDSNR
52) Over the Past Three Months, How Have the Terms Under Which High-Grade Corporate Bonds 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
ALLQ52B2RBUNR
70) Over the Past Three Months, How Have the Terms Under Which Cmbs Are Funded Changed?| A. Terms for Average Clients | 1. Maximum Amount of Funding. | Answer Type: Remained Basically Unchanged
ALLQ70A1RBUNR
13) To the Extent That the Price or Nonprice Terms Applied to Trading Reits Have Tightened or Eased over the Past Three Months (as Reflected in Your Responses to Questions 11 and 12), What Are the Most Important Reasons for the Change?| A. Possible Reasons for Tightening | 2. Reduced Willingness of Your Institution to Take on Risk. | Answer Type: 2nd Most Important
ALLQ13A22MINR
6) To the Extent That the Price or Nonprice Terms Applied to Hedge Funds Have Tightened or Eased over the Past Three Months (as Reflected in Your Responses to Questions 4 and 5), What Are the Most Important Reasons for the Change?| B. Possible Reasons for Easing | 2. Increased Willingness of Your Institution to Take on Risk. | Answer Type: First in Importance
ALLQ06B2MINR
51) Over the Past Three Months, How Has the Duration and Persistence of Mark and Collateral Disputes Relating to Contracts of Each of the Following Types Changed?| G. Trs Referencing Non-Securities (Such as Bank Loans, Including, for Example, Commercial and Industrial Loans and Mortgage Whole Loans). | Answer Type: Decreased Considerably
ALLQ51GDCNR
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