Q1 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	Q1 2024	Q4 2023	Q1 2023
A. Terms for Average Client
1. Maximum amount of funding
Tightened Considerably	0	0	0
Tightened Somewhat	1	0	0
Remained Basically Unchanged	12	14	13
Eased Somewhat	0	0	0
Eased Considerably	0	0	0
2. Maximum maturity
Tightened Considerably	0	0	0
Tightened Somewhat	1	1	1
Remained Basically Unchanged	12	13	12
Eased Somewhat	0	0	0
Eased Considerably	0	0	0
3. Haircuts
Tightened Considerably	0	0	0
Tightened Somewhat	1	1	2
Remained Basically Unchanged	10	12	8
Eased Somewhat	2	1	3
Eased Considerably	0	0	0
4. Collateral spreads over relevant benchmark (effective financing rates)
Tightened Considerably	0	0	0
Tightened Somewhat	1	2	3
Remained Basically Unchanged	9	10	6
Eased Somewhat	3	2	4
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	1	0	0
Remained Basically Unchanged	12	13	13
Eased Somewhat	0	1	0
Eased Considerably	0	0	0
2. Maximum maturity
Tightened Considerably	0	0	0
Tightened Somewhat	1	0	0
Remained Basically Unchanged	12	14	13
Eased Somewhat	0	0	0
Eased Considerably	0	0	0
3. Haircuts
Tightened Considerably	0	0	0
Tightened Somewhat	1	1	2
Remained Basically Unchanged	10	11	8
Eased Somewhat	2	2	3
Eased Considerably	0	0	0
4. Collateral spreads over relevant benchmark (effective financing rates)
Tightened Considerably	0	0	0
Tightened Somewhat	1	2	2
Remained Basically Unchanged	9	10	7
Eased Somewhat	3	2	4
Eased Considerably	0	0	0