easy · Asset-Backed Securities

An Auto ABS trust is structured with $40 million of Overcollateralization (OC). This month, the pool experiences $15 million in realized defaults, and the reserve account has already been depleted.

What is the immediate impact on the AAA rated Class A bondholders?

  1. They remain unimpaired as the loss is absorbed by the OC
  2. The interest coupon for Class A is deferred until the OC is rebuilt
  3. The Servicer must repurchase the $15 million of defaulted loans
  4. They suffer a $15 million principal write-down

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