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Take Notes - Consumers Facing Inflation And Affordability Challenges Despite Low Unemployment

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U.S. BSL CLO Obligors: Corporate Rating Actions Tracker 2025 (As Of June 20)

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Assessing The Evolving Third-Party Loan Origination Legal Risks For U.S. Consumer Loan ABS

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Navigating Tariffs' Credit Implications Across Asset Classes

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Global Tariff Tracker: Rating Actions As Of June 13, 2025

Listen: Take Notes - Consumers Facing Inflation And Affordability Challenges Despite Low Unemployment

Recent data regarding consumer credit--especially auto ABS collateral data--are showing signs of deteriorating performance. Moreover, we've seen some indication that consumer distress is spreading to higher credit score and income cohorts, despite a relatively low unemployment rate. An unforeseen increase in the unemployment rate over our base case could lead to further distress for consumers who are already facing a myriad of financial challenges. We deep dive into the data and detail more of our observations and what we’re attributing this to.

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