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

Covered Bonds Uncovered: Tariffs, Bank Ratings, And The U.K. Regulator

COMMENTS

Inside Global ABCP 2025: A New Purpose Emerges

COMMENTS

European CMBS Break Through The Refinance Wall

COMMENTS

SF Credit Brief: CLO Insights 2025 U.S. BSL Index: Tariff-Related Rating Actions Begin To Weigh On CLO Metrics

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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