Binding thesis test
Criterion · Enumerate consecutive monthly Fitch YoY changes >=100 basis points (1.00 percentage point) with valid year-ago first prints. At the second qualifying Fitch publication, use the latest already-public NY Fed auto serious-delinquency flow >3.25%. A qualifying joint event in the preserved eligibility window latches fired. Complete eligible coverage with no event supports CONSUMER_NOT_FIRED_AT_CUTOFF; absent Fitch access/coverage or series mapping is UNKNOWN, never evidence of absence. No future NY Fed or July publication may leak backward. Complete definitions SHA256 af2398bcd5e5a7a5825e1a5ac9a489bee9d67352e3922b1a56c713e801d0b361 are sealed in the lock_requested transparency payload. Postponement: named issuer print missing at date +2 business days; log and roll to verified next print, maximum two then resolve-or-void; never extend either evidence cutoff. Registered machine cadence/grace and source mappings remain pending where unavailable; no invented grace or automatic adverse result.
Postponements · 0/2 · pending
- Source
- Original Fitch U.S. subprime auto ABS 60+ delinquency monthly first prints and NY Fed Household Debt and Credit auto-loan flow into serious delinquency (90+) quarterly first prints; all decisive publications available by June 30, 2027 ET.
FDX →
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