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
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ALLQ66A4ESNR
2) Over the Past Three Months, How Has the Amount of Resources and Attention Your Firm Devotes to Management of Concentrated Credit Exposure to Central Counterparties and Other Financial Utilities Changed?| Answer Type: Increased Somewhat
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69) Over the Past Three Months, How Have Liquidity and Functioning in the Non-Agency Rmbs Market Changed?| Answer Type: Remained Basically Unchanged
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39) Over the Past Three Months, How Has the Volume of Mark and Collateral Disputes with Clients of Each of the Following Types Changed?| C. Trading REITs. | Answer Type: Increased Somewhat
CTQ39CISNR
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 | 1. Deterioration in Current or Expected Financial Strength of Counterparties. | Answer Type: 3rd Most Important
ALLQ31A13MINR
39) Over the Past Three Months, How Has the Volume of Mark and Collateral Disputes with Clients of Each of the Following Types Changed?| D. Mutual Funds, Etfs, Pension Plans, and Endowments. | Answer Type: Increased Somewhat
ALLQ39DISNR
Citation
U.S. Federal Reserve, Consumer ABS Funding Terms (ALLQ74B4TCNR), retrieved from FRED.