{"ok":true,"table":"moat_intelligence","count":20,"last_refresh":"2026-05-10 06:00:00","entries":[{"category":"consumer_sentiment","title":"University of Michigan Consumer Sentiment — April 2026","summary":"UMich index at 47.6 (preliminary, April 2026 release) — lowest reading since 2022 peak-rate period.","source":"UMich consumer survey (historically released first Fri + last Fri each month)","as_of_date":"2026-05-10","updated_at":"2026-05-10 06:00:00"},{"category":"credit_environment","title":"Subprime auto delinquency hits record — Q1 2026","summary":"60+ day auto delinquency on subprime pools reached 6.9% — highest on record since Fitch began tracking.","source":"Fitch ABS index (Q1 2026 update)","as_of_date":"2026-05-10","updated_at":"2026-05-10 06:00:00"},{"category":"fuel_prices","title":"US national retail gas price — week ending April 14, 2026","summary":"National average regular gasoline $3.89/gal (EIA weekly survey, up ~$0.22 over 3 weeks on Iran geopolitical premium).","source":"EIA.gov weekly gasoline survey","as_of_date":"2026-05-10","updated_at":"2026-05-10 06:00:00"},{"category":"lender_environment","title":"Q2 2026 lender posture summary","summary":"Capital One tightening sub-540. Westlake holding. CAC steady. Santander raising DTI bar. GLS aggressive on rebuilders.","source":"dealer-track lender bulletins + RouteOne program notes","as_of_date":"2026-05-10","updated_at":"2026-05-10 06:00:00"},{"category":"inventory_supply","title":"Industry days-supply — April 2026","summary":"New vehicle days-supply at 67 days nationally (up from 58 in January). Used at 47 days (steady).","source":"Cox Automotive Dealer Insights","as_of_date":"2026-05-10","updated_at":"2026-05-10 06:00:00"},{"category":"fed_rate","title":"Federal Funds Rate — April 2026","summary":"Target range 4.25–4.50%. Fed signaled no cuts until Q3 2026.","source":"Federal Reserve March 2026 FOMC + dealer-track rate sheets","as_of_date":"2026-05-10","updated_at":"2026-05-10 06:00:00"},{"category":"dms_competitive","title":"CDK 2024 breach — ongoing reputational impact","summary":"CDK class-action settlements totaling ~$730M closed in Q1 2026. Dealer churn accelerating.","source":"NADA Q1 2026 dealer software sentiment survey","as_of_date":"2026-05-10","updated_at":"2026-05-10 06:00:00"},{"category":"fi_trends","title":"F&I PVR trend — YTD 2026","summary":"National avg PVR $2,424 YTD vs $1,995 Q4 2025 — F&I carrying water as front gross compresses.","source":"F&I Showroom + Automotive News quarterly","as_of_date":"2026-05-10","updated_at":"2026-05-10 06:00:00"},{"category":"cfpb_lender_alerts","title":"Exeter Finance — CFPB Complaints +23% (Apr 2026)","summary":"Exeter complaints 405 in 6 months, up 23% YoY. Approval pressure elevated.","source":"CFPB Consumer Complaint Database — live pull Apr 2026","as_of_date":"2026-04-30","updated_at":"2026-04-30 22:50:21"},{"category":"cfpb_lender_alerts","title":"Capital One — CFPB Complaints +23% (Apr 2026)","summary":"Capital One complaints 1,090 in 6 months, up 23% YoY. Pre-qual now mandatory.","source":"CFPB Consumer Complaint Database — live pull Apr 2026","as_of_date":"2026-04-30","updated_at":"2026-04-30 22:50:21"},{"category":"tariff_impact","title":"New Vehicle Tariff Premium — $5K to $9K (Apr 2026)","summary":"Tariffs adding $5,000-$8,900 to most imported new vehicles. Used car demand rising.","source":"NADA Industry Analysis, dealer wholesale reports, Apr 2026","as_of_date":"2026-04-30","updated_at":"2026-04-30 22:50:21"},{"category":"ev_wholesale","title":"Off-Lease EV Flood — 300K+ Units H2 2026","summary":"300,000+ off-lease EVs returning H2 2026. EV wholesale collateral risk elevated.","source":"Cox Automotive Market Insights, Manheim EV Index, Apr 2026","as_of_date":"2026-04-30","updated_at":"2026-04-30 22:50:21"},{"category":"rate_environment","title":"FRED Auto Rate Snapshot — Apr 30 2026","summary":"48-mo new auto 7.36%. 5-yr Treasury 4.05%. Prime 6.75%. Fed Funds 3.64%.","source":"FRED (Federal Reserve Economic Data) — live pull Apr 30 2026","as_of_date":"2026-04-30","updated_at":"2026-04-30 22:50:21"},{"category":"subprime_delinquency","title":"Subprime ABS Delinquency 6.9% 60+DPD — 32-Year Record","summary":"Subprime auto ABS 60-day delinquency at 6.9% — highest since 1994. Lenders tightening.","source":"Fitch Ratings Subprime Auto ABS Index, Jan 2026","as_of_date":"2026-04-30","updated_at":"2026-04-30 22:50:21"},{"category":"macro_live","title":"Federal Funds Rate (FEDFUNDS) — 2026-03-01","summary":"Federal Funds Rate: 3.64 % as of 2026-03-01 (source: FRED).","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=FEDFUNDS","as_of_date":"2026-03-01","updated_at":"2026-04-29 04:00:09"},{"category":"credit_environment_live","title":"Delinquency Rate on Consumer Loans, All Banks (DRCLACBS) — 2025-10-01","summary":"Delinquency Rate on Consumer Loans, All Banks: 2.62 % as of 2025-10-01 (source: FRED).","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=DRCLACBS","as_of_date":"2025-10-01","updated_at":"2026-04-29 04:00:09"},{"category":"auto_market_live","title":"Total Vehicle Sales (SAAR) (TOTALSA) — 2026-03-01","summary":"Total Vehicle Sales (SAAR): 16.686 M units, annualized as of 2026-03-01 (source: FRED).","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=TOTALSA","as_of_date":"2026-03-01","updated_at":"2026-04-29 04:00:09"},{"category":"consumer_sentiment_live","title":"University of Michigan Consumer Sentiment Index (UMCSENT) — 2026-03-01","summary":"University of Michigan Consumer Sentiment Index: 53.3 index as of 2026-03-01 (source: FRED).","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=UMCSENT","as_of_date":"2026-03-01","updated_at":"2026-04-29 04:00:09"},{"category":"macro_live","title":"10-Year Treasury Yield (DGS10) — 2026-04-27","summary":"10-Year Treasury Yield: 4.35 % as of 2026-04-27 (source: FRED).","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","as_of_date":"2026-04-27","updated_at":"2026-04-29 04:00:09"},{"category":"fuel_prices_live","title":"US Retail Gasoline Price (Regular, Weekly) (GASREGW) — 2026-04-27","summary":"US Retail Gasoline Price (Regular, Weekly): 4.123 $/gal as of 2026-04-27 (source: FRED).","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=GASREGW","as_of_date":"2026-04-27","updated_at":"2026-04-29 04:00:09"}]}