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.
Related Trends
3) To What Extent Have Changes in the Practices of Central Counterparties, Including Margin Requirements and Haircuts, Influenced the Credit Terms Your Institution Applies to Clients on Bilateral Transactions Which Are Not Cleared?| Answer Type: To A Considerable Extent
CTQ03TACENR
73) Over the Past Three Months, How Have Liquidity and Functioning in the Cmbs Market Changed?| Answer Type: Deteriorated Somewhat
ALLQ73EONR
33) Considering the Entire Range of Transactions Facilitated by Your Institution for Such Clients, How Has the Use of Financial Leverage by Separately Managed Accounts Established with Investment Advisers Changed Over the Past Three Months?| Answer Type: Remained Basically Unchanged
CTQ33RBUNR
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?| A. Possible Reasons for Tightening | 1. Deterioration in Current or Expected Financial Strength of Counterparties. | Answer Type: First in Importance
ALLQ25A1MINR
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?| A. Terms for Average Clients | 3. Haircuts. | Answer Type: Eased Somewhat
SFQ74A3ESNR
36) Over the Past Three Months, How Has Your Use of Nonprice Terms (for Example, Haircuts, Maximum Maturity, Covenants, Cure Periods, Cross-Default Provisions or Other Documentation Features) with Respect to Nonfinancial Corporations Across the Entire Spectrum of Securities Financing and OTC Derivatives Transaction Types Changed, Regardless of Price Terms?| Answer Type: Tightened Considerably
CTQ36TCNR
Citation
U.S. Federal Reserve, Consumer ABS Funding Terms (ALLQ74B4TCNR), retrieved from FRED.