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 | 4. Collateral Spreads Over Relevant Benchmark (Effective Financing Rates). | Answer Type: Remained Basically Unchanged
SFQ74A4RBUNR • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
11.00
Year-over-Year Change
10.00%
Date Range
10/1/2011 - 4/1/2025
Summary
This economic trend measures changes in collateral spreads over relevant benchmarks for consumer asset-backed securities (ABS), such as those backed by credit card receivables or auto loans. It provides insights into the funding terms for average 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 'Terms for Average Clients: Collateral Spreads Over Relevant Benchmark (Effective Financing Rates)' series tracks changes in the spreads between ABS collateral and relevant financing benchmarks. This metric is used to assess funding conditions in the consumer ABS market.
Methodology
The data is collected through surveys of market participants.
Historical Context
This trend is relevant for monitoring the state of consumer credit markets and informing economic and policy decisions.
Key Facts
- The series tracks changes in collateral spreads for consumer ABS.
- This metric provides insights into funding conditions in the consumer ABS market.
- The data is collected through surveys of market participants.
FAQs
Q: What does this economic trend measure?
A: This trend measures changes in the collateral spreads over relevant benchmarks for consumer asset-backed securities (ABS), such as those backed by credit card receivables or auto loans.
Q: Why is this trend relevant for users or analysts?
A: This trend provides insights into the funding terms for average clients in the consumer ABS market, which is important for monitoring the state of consumer credit markets and informing economic and policy decisions.
Q: How is this data collected or calculated?
A: The data is collected through surveys of market participants.
Q: How is this trend used in economic policy?
A: This trend is relevant for monitoring the consumer credit market and can inform economic and policy decisions.
Q: Are there update delays or limitations?
A: The data is subject to the survey collection schedule and may have update delays.
Related Trends
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 | 3. Haircuts. | Answer Type: Eased Somewhat
SFQ74B3ESNR
44) Over the Past Three Months, How Have Initial Margin Requirements Set by Your Institution with Respect to OTC Equity Derivatives Changed?| B. Initial Margin Requirements for Most Favored Clients, as a Consequence of Breadth, Duration, And/or Extent of Relationship. | Answer Type: Remained Basically Unchanged
OTCDQ44BRBUNR
79) Over the Past Three Months, How Has the Duration and Persistence of Mark and Collateral Disputes Relating to Lending Against Each of the Following Collateral Types Changed?| B. High-Yield Corporate Bonds. | Answer Type: Decreased Considerably
ALLQ79BDCNR
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 | 2. Reduced Willingness of Your Institution to Take on Risk. | Answer Type: 3rd Most Important
CTQ37A23MINR
79) Over the Past Three Months, How Has the Duration and Persistence of Mark and Collateral Disputes Relating to Lending Against Each of the Following Collateral Types Changed?| E. Non-Agency RMBS. | Answer Type: Decreased Considerably
SFQ79EDCNR
31) To the Extent That the Price or Nonprice Terms Applied to Separately Managed Accounts Established with Investment Advisers Have Tightened or Eased Over the Past Three Months (as Reflected in Your Responses to Questions 29 and 30), 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: First In Importance
CTQ31A3MINR
Citation
U.S. Federal Reserve, '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 | 4. Collateral Spreads Over Relevant Benchmark (Effective Financing Rates). | Answer Type: Remained Basically Unchanged' (SFQ74A4RBUNR), retrieved from FRED.