Kaulkin Ginsberg Consumer Finance Report
The Kaulkin Ginsberg Consumer Finance Report™ is a monthly publication that provides key consumer finance information correlating macroeconomic factors with consumer credit performance. The report analyzes how macro-level factors impact credit performance and provides a monthly gauge of their effects on the accounts receivable management (ARM) industry, and the broader financial services sector.
The report includes 13 tables, 7 graphs, and a bonus Excel™ spreadsheet displaying information in one easy-to-follow monthly document that can assist you in making decisions regarding your recovery and collections strategies.
Find the following consumer finance data all in this convenient monthly report:
- Consumer bankruptcy filings, in total, and by state and chapter
- Commercial bankruptcy filings
- National unemployment rate
- National underemployment rate
- Unemployment rates by state
- Amount of outstanding consumer credit (revolving and non-revolving)
- Amount of consumer Credit-At-Risk
- Average credit card charge-off, delinquency and recovery rates
- Total outstanding principal receivables, securitized debt, and credit card debt
- Total US credit card receivables
- Charge-off rates compared with other macroeconomic factors
- Projected charge-off rates based on a range of potential unemployment rates
- 30-plus day vs. 60-plus day delinquency rates
- Amount of defaulted credit card receivables
Tracking Risk in Consumer Finance
Created by Kaulkin Ginsberg, The Consumer Default Risk Index™ (CDRI) tracks risk within consumer finance by providing a monthly barometer of how bankruptcy and employment levels are likely to impact debt collection and bankruptcy account valuation. The indicator shows both a measure of risk and the associated dollar amount of outstanding credit that is at risk of non-contractual default due to bankruptcy.
Although many factors play a role in what eventually leads to bankruptcy, the effects of employment and labor market performance - unlike catastrophic injury, divorce, or other unforeseen influencers — have been tracked to show a decided cause and effect. Therefore unemployment provides a tangible gauge of potential bankruptcy default.
Purchase The Kaulkin Ginsberg Consumer Finance Report and Gain Access To:
- Timely information pertaining to bankruptcy levels at the national and state level that impacts outstanding consumer credit.
- The breakdown of Chapter-7 and Chapter-13 bankruptcy filings by state.
- Information needed to make business decisions regarding portfolio purchases and sales, collections strategies, and potential challenges on the horizon.
Impact of Credit Card Performance on Consumer Finance
Created by Kaulkin Ginsberg, The Credit Card Performance Index™ (CCPI) provides a monthly reporting of revolving credit performance — including levels of credit card charge-offs, delinquencies, and debt recovery rates — and its impact on consumer finance.
By tracking the performance variables of securitized credit card receivables for the largest credit card master trusts in the United States — comprised of aggregate outstanding credit card receivables representing nearly half of total U.S. credit card debt — this monthly consumer finance index provides industry observers with the most up-to-date performance information for the credit card sector.
Purchase The Kaulkin Ginsberg Consumer Finance Report and Gain Access To:
- The credit card performance variables that are directly impacting consumer finance and the accounts receivables management (ARM) industry.
- The impact of macro-economic factors on the overall performance of credit card receivables and the potential impact of further economic deterioration of the marketplace.
- The monthly performance of debt recovery efforts within the credit card sector and the necessary information to make sound decisions on collections strategy.
- Projected charge-off rates at varying levels of future unemployment.
The ARM Unemployment Rate
Created by Kaulkin Ginsberg, The Accounts Receivables Management (ARM) Unemployment Rate™ is a measure of unemployment that gauges the total impact of labor market weakness for the accounts receivable industry. By aggregating the levels of underemployment and unemployment among the demographic group most likely to fall within the industry's purview, the ARM Unemployment Rate more accurately measures the level of joblessness.
Purchase The Kaulkin Ginsberg Consumer Finance Report and Gain Access To:
- The more specific levels of unemployment used to assess joblessness for the financial services sector and accounts receivable management industry.
- The state-by-state breakdown of unemployment; assess where current “hotspots” exist.
- The potential budgetary pressures that would force households into financial duress due to unemployment.
- The impact of unemployment at the national level and how joblessness correlates to the monthly level of risk.
