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      "text": "Ford Credit has been originating retail installment sales contracts since 1959 and securitizing its retail contracts since 1988\nFord Credit has had an active publicly-registered securitization program for retail contracts since 1989 and has issued asset-backed securities in more than 90 transactions under this program\nFord Credit offers retail asset-backed securities through various channels:\nPublicly-registered transactions\nRule 144A transactions\nOther private transactions\nCollateral composition has trended in line with the industry and Ford Credit's strategy\nSecuritized pools selected randomly from Ford Credit's eligible portfolio\nReceivables with original terms up to 84 months have been included in widely-distributed retail transactions since 2020\nStructural elements have remained consistent – minimal adjustments over the past 15 years",
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