Source
Open →Net Percentage of Domestic Banks Tightening Standards for Auto Loans
fred.stlouisfed.org
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Source
Open →Finance Rate on Consumer Installment Loans at Commercial Banks, New Autos, 60 Month
fred.stlouisfed.org
Evidence registrySource
Open →Cox Automotive / Manheim: Used Vehicle Value Index (January 2026)
www.coxautoinc.com
Evidence registryArticle
Open →Are Auto Sales Predicting a Recession? A 50-Year Regression and the 2026 Signal
Vehicle sales normally weaken before recession becomes obvious elsewhere. Pattern Nexus reconstructs every U.S. recession since 1976, builds auto-only and cross-channel recession models, audits prices, financing, delinquency and buyer concentration, and expla…
🧭Nexus ReportsArticle
Open →Half-Century Mortgages and Fantasy Car Loans: How Ultra-Long Debt Turns Households Into Cashflow Collateral
The Trump administration’s 50-year mortgage proposal, paired with viral rumors of 15-year car loans, is being sold as “affordability.” In reality, ultra-long debt structures double the interest burden, trap low-income households in lifetime payments, and weap…
Funding, Leverage & Debt (🏦📉)Article
Open →Subprime Autos, Buy-Now-Pay-Later, and Bank Stress: Cracks at the Edge of the Consumer Balance Sheet
As of December 4, 2025, subprime auto borrowers and Buy-Now-Pay-Later users are showing rising strain. This Pattern Nexus deep dive maps where the real risk sits, how much of it flows back into banks, and whether these “buy more, pay more later” rails are the…
System Stress Signals (🚨🩸)Article
Open →Port Alpha vs the Shipyard Graveyard: How a Three-Year-Old Startup Is Trying to Rebuild the U.S. Navy With Autonomous Warships
The U.S. Navy is collapsing under delays, cost overruns, and a shrinking shipbuilding workforce. Programs slip years, budgets balloon, and the fleet flatlines while China’s shipyards pump out steel like an industrial firehose. Into that mess steps Saronic, a …
U.S. Strategic Posture (🦅🇺🇸)Article
Open →DSCR Loans, Distressed Rentals, and Reality: A Field Guide for Small Investors
A deep, non-sugarcoated Pattern Nexus field guide explaining how small investors can use DSCR loans, distressed rentals, and targeted rehabs to scale a real-estate portfolio—and every major risk that can destroy the strategy if executed poorly.
Real Estate Strategy (📐🏠)Article
Open →Robot Builders of Artemis: How NASA’s Autonomous Construction Fleet Will Build the First Moon Base
NASA is preparing a robotic construction corps to build humanity’s first real Moon base — 3D-printing habitats from lunar regolith, deploying modular assembly robots, and laying down landing pads, power grids, and infrastructure before astronauts ever arrive.…
Systems Science (♾️🔍)Article
Open →The Two- (or Three-) Speed Economy: Automation Is Fracturing Growth — Why MMT-Style Tools Become Inevitable
Inflation cools, rents slip, unemployment edges up—yet productivity rises. Automation is splitting the economy into winners and the automated-away. Here’s why the social contract must evolve, why millions of robots are coming online, and how MMT-style policy …
System Stress Signals (🚨🩸)Source
Open →https://www.philadelphiafed.org/the-economy/education-and-data/who-provides-credit-in-times-of-crisis-evidence-from-the-auto-loan-market
www.philadelphiafed.org
Evidence registrySource
Open →https://libertystreeteconomics.newyorkfed.org/2025/02/breaking-down-auto-loan-performance/
libertystreeteconomics.newyorkfed.org
Evidence registry