Q1 2025, Consumer Asset-Backed Securities (Questions 74-77): 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? | FRED

Consumer Asset-Backed Securities (Questions 74-77)

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Q4 2011

Q1 2025

	Number of Respondents
Name	Q1 2025	Q4 2024	Q1 2024
A. Terms for Average Client
1. Maximum amount of funding
Tightened Considerably	0	0	0
Tightened Somewhat	1	0	1
Remained Basically Unchanged	13	13	12
Eased Somewhat	0	1	0
Eased Considerably	0	0	0
2. Maximum maturity
Tightened Considerably	0	0	0
Tightened Somewhat	1	0	1
Remained Basically Unchanged	13	13	12
Eased Somewhat	0	1	0
Eased Considerably	0	0	0
3. Haircuts
Tightened Considerably	0	0	0
Tightened Somewhat	1	0	1
Remained Basically Unchanged	11	12	10
Eased Somewhat	2	2	2
Eased Considerably	0	0	0
4. Collateral spreads over relevant benchmark (effective financing rates)
Tightened Considerably	0	0	0
Tightened Somewhat	1	0	1
Remained Basically Unchanged	10	12	9
Eased Somewhat	3	2	3
Eased Considerably	0	0	0
B. Terms for most favored clients, as a consequence of breadth, duration and/or extent of relationship
1. Maximum amount of funding
Tightened Considerably	0	0	0
Tightened Somewhat	0	0	1
Remained Basically Unchanged	14	13	12
Eased Somewhat	0	1	0
Eased Considerably	0	0	0
2. Maximum maturity
Tightened Considerably	0	0	0
Tightened Somewhat	0	0	1
Remained Basically Unchanged	14	13	12
Eased Somewhat	0	1	0
Eased Considerably	0	0	0
3. Haircuts
Tightened Considerably	0	0	0
Tightened Somewhat	0	0	1
Remained Basically Unchanged	12	12	10
Eased Somewhat	2	2	2
Eased Considerably	0	0	0
4. Collateral spreads over relevant benchmark (effective financing rates)
Tightened Considerably	0	0	0
Tightened Somewhat	0	0	1
Remained Basically Unchanged	11	12	9
Eased Somewhat	3	2	3
Eased Considerably	0	0	0