Q3 2024, 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)

	Number of Respondents
Name	Q3 2024	Q2 2024	Q3 2023
A. Terms for Average Client
1. Maximum amount of funding
Tightened Considerably	0	0	0
Tightened Somewhat	0	1	0
Remained Basically Unchanged	15	14	13
Eased Somewhat	0	0	0
Eased Considerably	0	0	0
2. Maximum maturity
Tightened Considerably	0	0	0
Tightened Somewhat	0	1	1
Remained Basically Unchanged	15	14	12
Eased Somewhat	0	0	0
Eased Considerably	0	0	0
3. Haircuts
Tightened Considerably	0	0	0
Tightened Somewhat	0	1	1
Remained Basically Unchanged	14	12	10
Eased Somewhat	1	2	2
Eased Considerably	0	0	0
4. Collateral spreads over relevant benchmark (effective financing rates)
Tightened Considerably	0	0	0
Tightened Somewhat	0	1	1
Remained Basically Unchanged	13	11	10
Eased Somewhat	2	3	2
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	1	0
Remained Basically Unchanged	15	14	12
Eased Somewhat	0	0	1
Eased Considerably	0	0	0
2. Maximum maturity
Tightened Considerably	0	0	0
Tightened Somewhat	0	1	0
Remained Basically Unchanged	15	14	13
Eased Somewhat	0	0	0
Eased Considerably	0	0	0
3. Haircuts
Tightened Considerably	0	0	0
Tightened Somewhat	0	1	1
Remained Basically Unchanged	14	12	10
Eased Somewhat	1	2	2
Eased Considerably	0	0	0
4. Collateral spreads over relevant benchmark (effective financing rates)
Tightened Considerably	0	0	0
Tightened Somewhat	0	1	1
Remained Basically Unchanged	14	11	10
Eased Somewhat	1	3	2
Eased Considerably	0	0	0