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: Remained Basically Unchanged
ALLQ74B4RBUNR • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
11.00
Year-over-Year Change
-8.33%
Date Range
10/1/2011 - 1/1/2025
Summary
This economic indicator tracks changes in funding terms for consumer asset-backed securities over a three-month period. It provides insight into the financing conditions for credit card and auto loan receivables from the perspective of 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 collateral spreads over relevant benchmark effective financing rates for consumer asset-backed securities. Economists use this metric to understand credit market dynamics and the relative cost of funding for financial institutions.
Methodology
Data is collected through surveys and financial reporting from major financial institutions, tracking changes in funding terms and spreads.
Historical Context
This indicator is used by policymakers and financial analysts to assess credit market conditions and potential shifts in lending practices.
Key Facts
- Tracks funding terms for consumer asset-backed securities
- Focuses on most favored clients' financing conditions
- Provides insight into credit market dynamics
FAQs
Q: What does this economic indicator measure?
A: It measures changes in funding terms for consumer asset-backed securities over a three-month period, specifically focusing on collateral spreads for most favored clients.
Q: Why are collateral spreads important?
A: Collateral spreads indicate the relative cost of financing and can reveal underlying trends in credit markets and lending conditions.
Q: How is this data collected?
A: The data is gathered through surveys and financial reporting from major financial institutions tracking changes in funding terms.
Q: Who uses this economic indicator?
A: Policymakers, financial analysts, and economists use this indicator to assess credit market conditions and potential shifts in lending practices.
Q: How often is this data updated?
A: The indicator is typically updated quarterly, providing a snapshot of recent changes in consumer asset-backed securities funding terms.
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ALLQ24ECNR
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 | 7. Less-Aggressive Competition from Other Institutions. | Answer Type: First in Importance
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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 | 4. Higher Internal Treasury Charges for Funding. | Answer Type: 2nd Most Important
ALLQ13A42MINR
37) To the Extent That the Price or Nonprice Terms Applied to Nonfinancial Corporations Have Tightened or Eased Over the Past Three Months (as Reflected in Your Responses to Questions 35 and 36), What Are the Most Important Reasons for the Change?| A. Possible Reasons for Tightening | 3. Adoption of More-Stringent Market Conventions (That Is, Collateral Terms and Agreements, ISDA Protocols). | Answer Type: 3rd Most Important
CTQ37A33MINR
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?| B. Possible Reasons for Easing | 6. Improvement in General Market Liquidity and Functioning. | Answer Type: 3rd Most Important
CTQ19B63MINR
55) Over the Past Three Months, How Have Liquidity and Functioning in the High-Grade Corporate Bond Market Changed?| Answer Type: Deteriorated Somewhat
SFQ55EONR
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 | 4. Collateral Spreads over Relevant Benchmark (Effective Financing Rates). | Answer Type: Remained Basically Unchanged [ALLQ74B4RBUNR], retrieved from FRED.
Last Checked: 8/1/2025