medium · Asset-Backed Securities

In the event of a lessee default in an operating lease ABS, why is repossession typically faster than in a secured auto loan transaction?

  1. Equipment leases usually include a 'speed-of-recovery' clause mandated by the SEC.
  2. The lessor (trust) already retains legal title to the equipment in a true lease structure.
  3. Lessees of commercial equipment are not protected by bankruptcy stay provisions.
  4. Federal maritime laws allow for 'self-help' repossession of all commercial equipment.

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