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: Tightened Considerably
ALLQ74B3TCNR • 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
Measures changes in consumer asset-backed securities funding terms for most favored clients. Provides critical insights into credit market risk assessment.
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
This indicator tracks haircut changes for consumer asset-backed securities like credit card and auto loan receivables. It reflects lending risk perceptions.
Methodology
Collected through Federal Reserve senior loan officer survey quarterly.
Historical Context
Used by financial institutions to evaluate securitization market conditions.
Key Facts
- Indicates tightening of consumer asset-backed securities
- Reflects increased lending caution
- Signals potential changes in credit market risk
FAQs
Q: What are haircuts in asset-backed securities?
A: Haircuts represent the difference between an asset's market value and its loan value, indicating risk.
Q: Why do haircuts tighten?
A: Increased economic uncertainty or perceived higher credit risks can cause tighter haircuts.
Q: What types of assets are included?
A: Includes securities backed by credit card receivables and auto loans.
Q: How does this impact lending?
A: Tighter terms can reduce available credit and increase borrowing costs.
Q: Who monitors these changes?
A: Investors, risk managers, and financial policy makers track these indicators.
Related Trends
26) How Has the Intensity of Efforts by Insurance Companies to Negotiate More Favorable Price and Nonprice Terms Changed Over the Past Three Months?| Answer Type: Decreased Considerably
CTQ26DCNR
25) To the Extent That the Price or Nonprice Terms Applied to Insurance Companies Have Tightened or Eased Over the Past Three Months (as Reflected in Your Responses to Questions 23 and 24), What Are the Most Important Reasons for the Change?| B. Possible Reasons for Easing | 7. More-Aggressive Competition from Other Institutions. | Answer Type: First In Importance
CTQ25B7MINR
50) Over the Past Three Months, How Has the Volume of Mark and Collateral Disputes Relating to Contracts of Each of the Following Types Changed?| D. Credit Referencing Corporates. | Answer Type: Decreased Somewhat
ALLQ50DDSNR
26) How Has the Intensity of Efforts by Insurance Companies to Negotiate More Favorable Price and Nonprice Terms Changed Over the Past Three Months?| Answer Type: Decreased Somewhat
CTQ26DSNR
19) To the Extent That the Price or Nonprice Terms Applied to Mutual Funds, Etfs, Pension Plans, and Endowments Have Tightened or Eased over the Past Three Months (as Reflected in Your Responses to Questions 17 and 18), 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
ALLQ19A5MINR
19) To the Extent That the Price or Nonprice Terms Applied to Mutual Funds, Etfs, Pension Plans, and Endowments Have Tightened or Eased over the Past Three Months (as Reflected in Your Responses to Questions 17 and 18), What Are the Most Important Reasons for the Change?| A. Possible Reasons for Tightening | 1. Deterioration in Current or Expected Financial Strength of Counterparties. | Answer Type: 2nd Most Important
ALLQ19A12MINR
Citation
U.S. Federal Reserve, Consumer ABS Funding Terms (ALLQ74B3TCNR), retrieved from FRED.