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 Considerably
SFQ74A3ECNR • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.00
Year-over-Year Change
N/A%
Date Range
10/1/2011 - 4/1/2025
Summary
Measures changes in haircut terms for average clients in consumer asset-backed securities markets. Provides insights into lending risk assessment practices.
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 adjustments for average-tier clients in consumer asset-backed securities. Reflects lending market risk perceptions.
Methodology
Collected through quarterly surveys of financial institutions reporting lending terms.
Historical Context
Used by policymakers to understand credit market risk and lending standards.
Key Facts
- Quarterly assessment of lending haircuts
- Focuses on average client segments
- Indicates credit market risk perception
FAQs
Q: What are haircuts in financial markets?
A: Discounts applied to asset values when used as collateral. Reflect perceived lending risk.
Q: Why do haircut terms change?
A: Reflect changes in market risk, economic conditions, and lender risk assessment strategies.
Q: How often is this data updated?
A: Typically updated quarterly through financial institution surveys.
Q: Who interprets these haircut changes?
A: Economists, investors, and risk managers use this to understand lending market conditions.
Q: What does 'eased considerably' indicate?
A: Suggests significantly reduced risk perception and more favorable lending terms.
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Citation
U.S. Federal Reserve, Consumer ABS Funding Terms (SFQ74A3ECNR), retrieved from FRED.