Category Archives: Market Structure and Dynamics

The threat of increased vehicle prices due to tariffs has boosted March auto sales. With a 25% tariff announced last week that would affect up to 7 million vehicles, U.S. consumers got ahead of the...

Auto loan fraud grew over 16 percent in 2024. While fraud is still growing, risk premiums remain unchanged, indicating that investors in ABS backed by auto contracts are not concerned about these activities. According to Bloomberg, the rise...

Consumers are pulling back from spending as they try to understand how macroeconomic changes will impact their finances. Investors are also concerned that the economic and political uncertainty will hinder business growth and activity. According...

Credit card delinquencies fell by .06 percentage points from January 2025 to February 2025. Additional data illustrates that year-over-year delinquencies are falling as well. This data comes after consumer sentiment dropped and equity markets fell...

Venture capital (VC) companies are flooding investments into a small number of private technology companies ranging from fintechs to defense start-ups. While nascent companies have received funding, this most recent round of investments went to...

With recession expectations rising, the stocks of consumer lenders have fallen sharply as investors become more concerned about the consumers’ financial health and increasing credit stress. As inflation-adjusted household debt continues to increase beyond pre-pandemic...

The Consumer Price Index came in at 2.8% for the 12-months ending in February, rising by 0.2 percent on a monthly basis, lower than the 0.5 percent increase in January. February’s monthly and annual inflation rates were...

Recent economic policies and objectives have caused investors and consumers to pull back as confidence in the market falls and economic uncertainty grows. President Trump’s announcement of tariffs has been followed by weakening consumer economic...

President Trump announced that he would delay, by 1-month, the administration’s proposed 25 percent tariffs on autos from Mexico and Canada. Representatives from the automotive industry have indicated that tariffs would raise the manufacturing costs...

Tariffs on Chinese, Mexican, and Canadian goods have caused American stock prices to fall as markets weigh the potential economic impact of a trade war. According to Reuters, tariffs could cost the auto industry 25 percent of...