Category Archives: Market Structure and Dynamics

Consumers across the credit spectrum are struggling to make car payments. Delinquencies for subprime auto loan borrowers climbed to nearly 6.5 percent in January and remained elevated throughout 2025. Additionally, 2 percent of all auto loans were significantly...

After a series of bankruptcies and fraud cases, regional banks have been writing off bad loans over the course of the last two weeks, which was followed by increased use of the Federal Reserve’s repo...

The Canadian government, in response to a weakening business environment and U.S. tariffs, wants to make changes to facilitate greater Canadian pension investments into Canadian markets. This follows the “Buy Canada” initiative meant to promote...

Pulling from the National Association for Business Economics (NABE) quarterly surveys, Reuters reports that the U.S. economic outlook has improved slightly even under geopolitical pressures. Projected economic growth for 2025 increased from 1.3 percent to 1.8 percent; Year-end...

In a speech on October 14, Federal Reserve Chair Jerome Powell stated that employment and inflation expectations have not differed from September’s evaluations. While recent expectations have caused the Fed to increase its preferred inflation...

Investor demand for investment grade corporate bonds is increasing, resulting in tighter credit spreads to treasuries, as expectations about downgrades and defaults fall. As the market begins to forecast a lower federal funds rate for...

The Trump administration has reapproached the idea of selling a portion of the federal student loan portfolio to the private market and has engaged with financial professionals and other federal agencies on the matter. The...

Following the bankruptcy of Tricolor Holdings, rating agencies are closely watching the cash flow to bondholders, while investors are more concerned about how loose underwriting practices may impact outstanding securitizations. Tricolor Asset Securitization Trust has...

Federal Reserve Board Vice Chair for Supervision Michelle Bowman, in a speech to the Kentucky Bankers Association, noted that the labor market is fragile and may be “on the cusp of deteriorating” given the recent...

The BLS released the CPI report for August, which disclosed that inflation increased by 0.4 percent for the month of August, resulting in an annual inflation rate of 2.9 percent, .2 percent higher than the annual rate...

The Bureau of Labor Statistics (BLS) revised down by 911,000 the number of jobs created from March 2024 through March 2025. According to Reuters, economists had expected revisions to be between 400,000 and 1 million. This follows recent significant...