With an expanding product suite and an increasing number of global accolades, Moody’s Investors Service is well-positioned to provide valuable products and services to its customers
overview
In a world where data is increasingly abundant, credible insight is rare. Moody’s capabilities enable informed decisions that promote progress.
Products and services
Moody’s Investors Service's (MIS) core business provides credit ratings that are publicly available serving the public debt capital markets. A credit rating is an opinion from MIS regarding the creditworthiness of an entity, a debt or financial obligation, debt security, preferred share or other financial instrument, issued using an established and defined ranking system of rating categories. MIS also offers other products and services, including unpublished / private credit ratings.

Lastly, MIS offers Other Permissible Service (OPS) products which are non-credit rating products such as Rating Assessment Service (RAS), fund ratings and other assessment products. The categorization and availability of the products may vary in different jurisdictions and depend on transaction-specific details.
Moody's Ratings Symbols and Definitions
Please refer to Moody’s Rating Symbols and Definitions (RSD) for the latest full description of the respective products and services.
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Credit rating products
Public Credit Rating Products

Public Credit Rating

A monitored credit rating that is made publicly available on moodys.com
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Unpublished Credit Rating Products

Unpublished Monitored Loan Rating (UMLR)

A monitored credit rating of a loan which is distributed on an unpublished basis via an electronic platform to lenders
Available in specific jurisdictions only

Unpublished Monitored Private Placement Rating (UMPPR)

A monitored credit rating of a private placement debt instrument which is distributed on an unpublished basis via an electronic platform to investors.
Available in specific jurisdictions only
Private Credit Rating Products*
*MIS’ Private Credit Ratings may not be used for regulatory purposes in certain jurisdictions, including in the European Union

Private Monitored Rating (PMR)

A private, monitored entity-level credit rating made available on a private basis through a secure dataroom to the requesting issuer

Private Monitored Loan Rating (PMLR)

A monitored credit rating of a loan which is distributed on a private basis via an electronic platform to lenders
Available in specific jurisdictions only; European Union.

Private Monitored Private Placement Rating (PMPPR)

A monitored credit rating of a private placement debt instrument which is distributed on a private basis via an electronic platform to investors
Available in specific jurisdictions only. Only for private placements issued into European private placement markets.

Private Rating for Investors (PRI)

A private, monitored credit rating made available to requesting investors on a confidential basis
Other permissible services
Prospective Financing Products

Rating Assessment Service (RAS)

An unmonitored, point-in-time assessment of potential credit rating, or potential impact on current credit rating, from customer-provided hypothetical scenarios and provided to rated or unrated organizations
Note: Moody's Investors Service (MIS) ability and willingness to perform a RAS, or the extent of feedback MIS can provide in a RAS, is subject to various factors. The rating outcome on announcement or execution of a transaction may be different from a RAS outcome due to differences between the scenarios analyzed and the actual transaction or market conditions. Please discuss with a RAS Coordinator for further information.

Indicative Rating

A confidential, unpublished, unmonitored, point-in-time opinion of the potential credit rating(s) of an issuer or a proposed debt issuance by an issuer contemplating such a debt issuance at some future date
Indicative Ratings are not equivalent to and do not represent traditional MIS Credit Ratings. However, Indicative Ratings are expressed on MIS’s traditional rating scale.
Managed Investments Products

Bond Fund Rating

An opinion of the maturity-adjusted credit quality of investments within mutual funds and similar investment vehicles that principally invest in fixed income obligations.

Money Market Fund Rating

An opinion of the investment quality of shares in mutual funds and similar investment vehicles which principally invest in short-term fixed income obligations

Investment Manager Quality Assessment

A forward-looking opinion of the relative investment expertise and service quality of asset managers
The MQ assessment is not intended to consider the prospective performance of a portfolio, mutual fund or other investment vehicle with respect to appreciation, volatility of net asset value, or yield.
Servicer and Originator
Assessment Products

Servicer Quality Assessment

A general insight into the the operational quality of servicers’ loan servicing practices, relative to other servicers performing the same servicing role within a given country
The Servicer Quality Assessment for Residential Mortgage Servicers is only available in the following jurisdictions: US, Mexico, Argentina, Brazil and Argentina.

Originator Assessment

A general insight into the operational quality of originators’ loan origination practices, relative to other originators of the same type of loans within a given country
Other Assessments

Trustee Quality Assessment

An opinion regarding an organization’s ability to manage the entrusted assets for the benefit of investors, relative to other trustees within a given country

Common Representative Quality Assessment

An opinion regarding an organization’s ability to represent the interests of investors, relative to other common representatives within a given country
Moody's currently maintains common representative assessments for Mexico.

Contract Enforceability Indicators for Mexican States

An opinion of the relative effectiveness of Mexican states in enforcing disputed commercial contracts and mortgages

Equity Fund Assessment

An opinion of the relative investment quality of investment funds which principally invest in common stock or in a combination of common stock and fixed-income securities
Available in specific Latin American regions only.