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: Remained Basically Unchanged
SFQ74A3RBUNR • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
13.00
Year-over-Year Change
18.18%
Date Range
10/1/2011 - 4/1/2025
Summary
Measures changes in haircut terms for average clients in consumer asset-backed securities markets. Provides critical insights into lending 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 levels for average client segments in consumer asset-backed securities. Reflects underlying credit market risk perceptions.
Methodology
Collected through quarterly financial institution surveys on lending practices.
Historical Context
Helps regulators and investors understand credit market risk management strategies.
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 to account for potential market risks or liquidity concerns.
Q: Why do haircut terms matter?
A: Reflect lenders' risk assessments and overall confidence in specific market segments.
Q: How frequently do these terms change?
A: Typically reviewed and potentially adjusted on a quarterly basis by financial institutions.
Q: Who monitors these lending terms?
A: Federal Reserve, financial regulators, and market analysts track these indicators closely.
Q: What does 'remained basically unchanged' indicate?
A: Suggests stable risk perceptions and consistent lending standards during the reporting period.
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Related Trends
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Citation
U.S. Federal Reserve, Consumer ABS Funding Terms (SFQ74A3RBUNR), retrieved from FRED.