About Securitization

Learn more about how structured finance contributes to industry, consumers and the economy.

Securitization and the real economy

Securitization provides $13.1 trillion in financing and funded more than 50% of U.S. household debt last year. At the end of the day, through securitization and structured finance, more families, individuals, and businesses have access to essential credit, seamlessly and at a lower price.

$13.1

trillion in financing provided by securitization

12%

auto debt funded by securitization

69%

residential mortgage debt funded by securitization

12%

credit card debt funded by securitization

Three things you should know about securitization

Securitization helps provide banks and other lenders with the capital needed to make loans to consumers buying homes and cars, financing student loans, businesses looking to grow, or even just using credit cards. Whether they know it or not, families and businesses rely on — and benefit from — this process.

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Our mission: Financing responsible lending

At their core, structured finance and securitization are about increasing the flow of global capital into the U.S. economy so that attaining your next car, your house, your retirement or your children’s education is within reach. At the Structured Finance Association, our mission is to make sure our industry can - and does - finance responsible lending and remains committed to the safety, soundness, and growing needs of the entire economy.

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