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 • 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
Tracks changes in collateral spreads for consumer asset-backed securities funding terms. Provides critical insight into credit market conditions and lending dynamics.
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 metric measures how funding terms for consumer asset-backed securities have tightened for most favored clients. Indicates credit market stress and lending environment.
Methodology
Collected through senior loan officer survey of financial institutions.
Historical Context
Used by Federal Reserve to assess credit market conditions and potential economic pressures.
Key Facts
- Reflects tightening in consumer asset-backed securities market
- Indicates potential credit market constraints
- Important indicator of financial sector health
FAQs
Q: What do collateral spreads indicate in asset-backed securities?
A: Collateral spreads reflect the risk premium and funding costs for securitized assets. Higher spreads suggest increased lending difficulty.
Q: How often are these funding terms measured?
A: Typically surveyed quarterly by Federal Reserve senior loan officers.
Q: Why are consumer ABS funding terms important?
A: They provide early signals of credit market stress and potential economic slowdown.
Q: What types of assets are typically included?
A: Credit card receivables, auto loans, and other consumer credit instruments.
Q: How do tightening terms impact consumers?
A: Tighter terms can lead to reduced credit availability and higher borrowing costs.
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Related Trends
35) Over the Past Three Months, How Have the Price Terms (for Example, Financing Rates) Offered to Nonfinancial Corporations as Reflected Across the Entire Spectrum of Securities Financing and OTC Derivatives Transaction Types Changed, Regardless of Nonprice Terms?| Answer Type: Eased Somewhat
CTQ35ESNR
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 | 7. Less-Aggressive Competition from Other Institutions. | Answer Type: First in Importance
ALLQ37A7MINR
56) Over the Past Three Months, How Have the Terms Under Which High-Yield Corporate Bonds 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: Eased Considerably
ALLQ56B4ECNR
56) Over the Past Three Months, How Have the Terms Under Which High-Yield Corporate Bonds Are Funded Changed?| B. Terms for Most Favored Clients, as a Consequence of Breadth, Duration And/or Extent of Relationship | 1. Maximum Amount of Funding. | Answer Type: Remained Basically Unchanged
SFQ56B1RBUNR
56) Over the Past Three Months, How Have the Terms Under Which High-Yield Corporate Bonds 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
SFQ56B3RBUNR
47) Over the Past Three Months, How Have Initial Margin Requirements Set by Your Institution with Respect to Otc Commodity Derivatives Changed?| A. Initial Margin Requirements for Average Clients. | Answer Type: Decreased Considerably
ALLQ47ADCNR
Citation
U.S. Federal Reserve, Consumer ABS Funding Terms (ALLQ74B4TCNR), retrieved from FRED.