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.
Related Trends
62) Over the Past Three Months, How Have the Terms Under Which Agency Rmbs Are Funded Changed?| B. Terms for Most Favored Clients, as a Consequence of Breadth, Duration And/or Extent of Relationship | 1. Maximum Amount of Funding. | Answer Type: Remained Basically Unchanged
ALLQ62B1RBUNR
77) Over the Past Three Months, How Have Liquidity and Functioning in the Consumer ABS Market Changed?| Answer Type: Improved Somewhat
SFQ77MONR
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
23) Over the Past Three Months, How Have the Price Terms (for Example, Financing Rates) Offered to Insurance Companies as Reflected Across the Entire Spectrum of Securities Financing and Otc Derivatives Transaction Types Changed, Regardless of Nonprice Terms?| Answer Type: Tightened Considerably
ALLQ23TCNR
26) How Has the Intensity of Efforts by Insurance Companies to Negotiate More Favorable Price and Nonprice Terms Changed over the Past Three Months?| Answer Type: Increased Considerably
ALLQ26ICNR
35) Over the Past Three Months, How Have the Price Terms (for Example, Financing Rates) Offered to Nonfinancial Corporations as Reflected Across the Entire Spectrum of Securities Financing and OTC Derivatives Transaction Types Changed, Regardless of Nonprice Terms?| Answer Type: Tightened Considerably
CTQ35TCNR
Citation
U.S. Federal Reserve, Consumer ABS Funding Terms (SFQ74A3RBUNR), retrieved from FRED.