Net Percentage of Other Domestic Banks Increasing the Minimum Required Down Payment on Auto Loans
SUBLPDCLATDOTHNQ • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.90
Year-over-Year Change
-70.10%
Date Range
4/1/2011 - 7/1/2025
Summary
Tracks changes in minimum down payment requirements for auto loans across domestic banks. Provides insight into lending standards and credit market conditions.
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 reflects banks' risk assessment strategies in the auto lending market. It indicates potential shifts in credit accessibility for consumers.
Methodology
Surveyed banks report percentage changes in down payment requirements quarterly.
Historical Context
Used by policymakers to assess credit market tightening or loosening trends.
Key Facts
- Indicates bank lending risk perception
- Quarterly survey-based metric
- Reflects broader economic conditions
FAQs
Q: What does this metric tell us about auto lending?
A: It shows how banks are adjusting down payment requirements, reflecting their risk assessment of auto loans.
Q: How often is this data updated?
A: The data is typically updated on a quarterly basis through bank surveys.
Q: Why do banks change down payment requirements?
A: Banks adjust requirements based on economic conditions, default risks, and overall market stability.
Q: How can this data impact consumers?
A: Changes in down payment requirements can affect loan accessibility and borrowing costs for auto purchases.
Q: What limitations exist in this data?
A: The metric represents a survey of banks and may not capture all lending institutions' practices.
Related Trends
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Net Percentage of Other Domestic Banks Tightening Standards for GSE-Eligible Mortgage Loans
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Number of Foreign Banks That Tightened and Reported That Deterioration in Current or Expected Capital Position Was Not an Important Reason
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Number of Large Domestic Banks That Eased and Reported That Increased Liquidity in the Secondary Market for These (Commercial and Industrial) Loans Was a Very Important Reason
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Citation
U.S. Federal Reserve, Net Percentage of Other Domestic Banks Increasing the Minimum Required Down Payment on Auto Loans (SUBLPDCLATDOTHNQ), retrieved from FRED.