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: Remained Basically Unchanged
ALLQ74B4RBUNR • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
11.00
Year-over-Year Change
-8.33%
Date Range
10/1/2011 - 1/1/2025
Summary
This economic indicator tracks changes in funding terms for consumer asset-backed securities over a three-month period. It provides insight into the financing conditions for credit card and auto loan receivables from the perspective of most favored 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 trend measures the collateral spreads over relevant benchmark effective financing rates for consumer asset-backed securities. Economists use this metric to understand credit market dynamics and the relative cost of funding for financial institutions.
Methodology
Data is collected through surveys and financial reporting from major financial institutions, tracking changes in funding terms and spreads.
Historical Context
This indicator is used by policymakers and financial analysts to assess credit market conditions and potential shifts in lending practices.
Key Facts
- Tracks funding terms for consumer asset-backed securities
- Focuses on most favored clients' financing conditions
- Provides insight into credit market dynamics
FAQs
Q: What does this economic indicator measure?
A: It measures changes in funding terms for consumer asset-backed securities over a three-month period, specifically focusing on collateral spreads for most favored clients.
Q: Why are collateral spreads important?
A: Collateral spreads indicate the relative cost of financing and can reveal underlying trends in credit markets and lending conditions.
Q: How is this data collected?
A: The data is gathered through surveys and financial reporting from major financial institutions tracking changes in funding terms.
Q: Who uses this economic indicator?
A: Policymakers, financial analysts, and economists use this indicator to assess credit market conditions and potential shifts in lending practices.
Q: How often is this data updated?
A: The indicator is typically updated quarterly, providing a snapshot of recent changes in consumer asset-backed securities funding terms.
Related Trends
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Citation
U.S. Federal Reserve, 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: Remained Basically Unchanged [ALLQ74B4RBUNR], retrieved from FRED.
Last Checked: 8/1/2025