Core Insights - Despite declining interest rates and more competitive pricing for new cars, the automotive financing leasing business is expected to remain stable in the second half of 2025 due to cautious lending strategies by financial institutions, weak consumer purchasing power, oversupply in the used car market, and limited demand for trucks [1] Summary by Categories Automotive Financing Leasing - The financing leasing business for various types of vehicles has shown a downward trend throughout 2024 and the first half of 2025 [1] - Factors contributing to this trend include cautious lending strategies, weak consumer purchasing power, and an oversupply in the used car market [1] Market Trends - There are signs of recovery in the passenger car financing leasing business, driven by competitive pricing in the used car market and a growing demand for hybrid electric vehicles as consumers shift towards more environmentally friendly transportation options [1]

Core Viewpoint - The statement from FHFA Director Mark Calabria highlights a disconnect between Federal Reserve Chair Jerome Powell and hardworking Americans who are spending on auto loans, credit cards, and mortgages [1] Group 1 - The FHFA Director criticizes Powell for being out of touch with the financial struggles of average Americans [1] - The focus is on the financial burdens faced by consumers in relation to their spending habits on loans and mortgages [1]