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.
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Citation
U.S. Federal Reserve, Consumer ABS Funding Terms (ALLQ74B3TCNR), retrieved from FRED.