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    Subprime Auto Credit: Navigating Risks on the Horizon

    Auto lending is following a natural and expected credit cycle. Subprime performance will get better as credit tightens. Nonbank auto financiers are facing the highest loss rates when lending to low-income, subprime borrowers. Residual value pressures should begin to abate but will likely increase for trucks and SUVs.

    Auto lending is following a natural and expected credit cycle. Subprime performance will get better as credit tightens. Nonbank auto financiers are facing the highest loss rates when lending to low-income, subprime borrowers. Residual value pressures should begin to abate but will likely increase for trucks and SUVs.

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    Webinar: Auto Lease Pricing Under Economic Uncertainty

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    Auto Finance Insights: How Vehicle Information Informs Credit Risk Measures

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    Wholesale Used-Car Price Report December 2017

    Wholesale used-vehicle auction sales waned in November, while the average transaction price fell by 0.53% from a year ago to $10,556. The surge in replacement demand after Hurricanes Harvey and Irma appears to be fading, resulting in prices and sales normalizing from the strong performance in October and September.

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    Electric Vehicle Residual Value Outlook

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    Auto Finance Insights - October 2017

    Auto lending growth continues to slow. Despite higher pay and solid returns from equity markets, consumers are finding that new cars are losing luster as objects worth their hard-earned cash. The tightening of lending standards has obvious ramifications for the auto industry as a whole, where expansionary credit cycles typically support new vehicle sales.

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    Subprime Auto Credit: Navigating Risks on the Horizon Presentation Slides

    In this presentation; Auto lending is following a natural and expected credit cycle. Subprime performance will get better as credit tightens. Nonbank auto financiers are facing the highest loss rates when lending to low-income, subprime borrowers. Residual value pressures should begin to abate but will likely increase for trucks and SUVs.

    August 2017 Pdf Michael Vogan
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    How Will the Increase in Off-Lease Volume Affect Used Car Residuals?

    Increases in auto lease volumes are nothing new, yet the industry is rife with fear that used car prices are about to collapse. In this talk, we will explore the dynamics behind the trends and the speculation.

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    "How Will the Increase in Off-Lease Volume Affect Used Car Residuals?" Presentation Slides

    Increases in auto lease volumes are nothing new, yet the industry is rife with fear that used car prices are about to collapse. In this talk, we will explore the dynamics behind the trends and the speculation. The abundance of vehicles in the US that are older than 10 years will soon need to be replaced, and together with continuing demand from ex-lessees, this demand will ensure that prices remain supported under baseline macroeconomic conditions.

    February 2017 Pdf Dr. Tony Hughes, Michael Vogan
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