In this episode, Vadim takes a deep dive into the auto finance market—from the recent headlines surrounding Tricolor’s bankruptcy to the broader trends shaping credit performance and origination behavior. The conversation begins with Tricolor as a case study in data integrity and verification failures, not credit weakness, before widening to examine insights from the CFPB and Experian’s State of the Auto Market Report. Vadim explores how auto originations are skewing toward older, higher-cred...
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In this episode, Vadim takes a deep dive into the auto finance market—from the recent headlines surrounding Tricolor’s bankruptcy to the broader trends shaping credit performance and origination behavior. The conversation begins with Tricolor as a case study in data integrity and verification failures, not credit weakness, before widening to examine insights from the CFPB and Experian’s State of the Auto Market Report. Vadim explores how auto originations are skewing toward older, higher-cred...
Beneath the Headlines: What TransUnion & Fed Data Reveal About Household Health
In The Tranches of Structured Finance
40 minutes
2 months ago
Beneath the Headlines: What TransUnion & Fed Data Reveal About Household Health
In this episode, Vadim takes a wide-angle look at U.S. household finances, combining the latest TransUnion credit trends with the Federal Reserve’s Distribution of Financial Accounts ("DFA"). He unpacks how early 2024’s spike in delinquencies has given way to broad improvement, why certain regions like Utah, DC, and Texas are worth watching, and what’s really behind shifts in credit card balances and limits. Vadim also examines the Fed’s puzzling real estate valuations, the migration from ban...
In The Tranches of Structured Finance
In this episode, Vadim takes a deep dive into the auto finance market—from the recent headlines surrounding Tricolor’s bankruptcy to the broader trends shaping credit performance and origination behavior. The conversation begins with Tricolor as a case study in data integrity and verification failures, not credit weakness, before widening to examine insights from the CFPB and Experian’s State of the Auto Market Report. Vadim explores how auto originations are skewing toward older, higher-cred...
