UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 10-D

ASSET-BACKED ISSUER
DISTRIBUTION REPORT PURSUANT TO SECTION 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934

For the monthly distribution period from
April 1, 2022 to April 30, 2022

Harley-Davidson Motorcycle Trust 2020-A
(Exact name of issuing entity as specified in its charter)
(Commission File Number: 333-230733-02)
(Central Index Key: 0001793612)

Harley-Davidson Customer Funding Corp.
(Exact name of depositor as specified in its charter)
(Commission File Number: 333-230733)
(Central Index Key: 0001114926)

Harley-Davidson Credit Corp.
(Exact name of sponsor specified in its charter)
(Central Index Key: 0001033232)


William S. Jue, General Counsel, (312) 368-9501
(Name and telephone number, including area code, of the person to contact in connection with this filing)

Delaware
(State of other jurisdiction of incorporation or organization of the issuing entity)

38-7234931
(I.R.S. Employer Identification No.)

c/o Wilmington Trust, National Association
1100 North Market Street
Wilmington, Delaware
        

19890-1605
(Address of principal executive offices of the issuing entity)
 (Zip Code)
(302) 636-6000
(Telephone number, including area code)





Registered/reporting pursuant to (check one)Name of exchange (If Section 12(b))
Title of classSection 12(b)Section 12(g)Section 15(d)
Class A-1 Notesx
Class A-2a Notesx
Class A-2b Notesx
Class A-3 Notesx
Class A-4 Notesx

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes x No ¨






PART I – DISTRIBUTION INFORMATION

Item 1.        Distribution and Pool Performance Information.

The attached Monthly Report contains the distribution and pool performance information for the distribution period commencing on April 1, 2022 and ending on April 30, 2022 and with respect to the motorcycle contracts which comprise the assets of Harley-Davidson Motorcycle Trust 2020-A.

Item 1A.    Asset-Level Information.

The Asset Data File and Asset Related Document filed as Exhibit 102 and Exhibit 103, respectively, to the Form ABS-EE filed by the issuing entity, Harley-Davidson Motorcycle Trust 2020-A, on May 23, 2022 are hereby incorporated by reference into this Form 10-D.

Item 1121(c) of Regulation AB.     Repurchases and Replacements.

There is no activity to report relating to the repurchase or replacement of underlying assets as required by Item 1121(c) of Regulation AB. The most recent Form ABS-15G relating thereto was filed on January 27, 2022 (Commission File Number: 025-00396) by Harley-Davidson Customer Funding Corp. (Commission File Number: 333-230733; CIK: 0001114926), as securitizer, with respect to all asset-backed securities sponsored thereby.




PART II – OTHER INFORMATION

Item 10.    Exhibits.

Exhibit No.   Document
99.1
102
103

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

                    HARLEY-DAVIDSON MOTORCYCLE TRUST 2020-A
                    (Issuing entity)

By: Harley-Davidson Credit Corp.,
    as Servicer

By: /s/ Susan Paskvan     
Susan Paskvan, Vice President
and Chief Financial Officer


Date: May 23, 2022

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Document

Harley-Davidson Motorcycle Trust 2020-AExhibit 99.1
$107,000,000.00 1.72625% Motorcycle Contract Backed Notes, Class A-1
$174,000,000.00 1.83% Motorcycle Contract Backed Notes, Class A-2a
$21,000,000.00 LIBOR + 0.15% Motorcycle Contract Backed Notes, Class A-2b
$195,000,000.00 1.87% Motorcycle Contract Backed Notes, Class A-3
$55,640,000.00 1.93% Motorcycle Contract Backed Notes, Class A-4
Monthly Report
For the May 16, 2022 Distribution Date

Capitalized terms are defined in the Sale and Servicing Agreement dated as of January 1, 2020, as filed with the Securities and Exchange Commission as Exhibit 10.2 to the Current Report on Form 8-K filed on January 29, 2020
Beginning of Due Period04/01/2022
End of Due Period04/30/2022
Determination Date05/05/2022
Record Date05/13/2022
Distribution Date05/16/2022
LIBOR Determination Date04/13/2022
LIBOR as of the LIBOR Determination Date0.55414 %
Number of days in Interest Period (ACT/360 basis)31 
Number of days in Interest Period (30/360 basis)30 

Purchases
Number of
Contracts
Cut-Off
Date

Closing Date
Initial
Pool Balance
Initial Contracts36,29312/31/201901/29/2020$580,198,692.86
Subsequent ContractsN/AN/AN/AN/A
Total36,293$580,198,692.86
 I. POOL BALANCE CALCULATION
Aggregate Principal Balance at beginning of Due Period$162,333,903.68 
Monthly principal amounts
Principal collections on Contracts9,862,297.58 
Balance of Contracts liquidated during Due Period125,381.75 
Balance of Contracts purchased by Seller or Servicer during Due Period— 
Other adjustments356.87 
Decline in Aggregate Principal Balance9,988,036.20 
Aggregate Principal Balance at end of Due Period$152,345,867.48 
Pool factor0.2625753 



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 II. NOTE PRINCIPAL BALANCE CALCULATION
Class A-1Class A-2aClass A-2bClass A-3Class A-4Total
Original Note balance$107,000,000.00$174,000,000.00$21,000,000.00$195,000,000.00$55,640,000.00$552,640,000.00
Note balance as of prior Distribution Date— — — 79,134,465.77 55,640,000.00 134,774,465.77 
Principal Distributable Amount *— — — 9,988,036.20 — 9,988,036.20 
Note balance at end of Due Period— — 0.00 69,146,429.57 55,640,000.00 124,786,429.57 
Note Pool Factor at beginning of Due Period0.0000000 0.0000000 0.0000000 0.4058178 1.0000000 
Note Pool Factor at end of Due Period0.0000000 0.0000000 0.0000000 0.3545971 1.0000000 
* Equals the aggregate Note balance as of prior Distribution Date minus (the Aggregate Principal Balance at end of Due Period less the Overcollateralization Target Amount)


 III. NOTE INTEREST DISTRIBUTABLE CALCULATION
ClassNote Balance at Beginning of Due PeriodNote Interest Carryover Shortfall at Beginning of Due PeriodInterest RateDaysInterest Accrual BasisNote Monthly Interest Distributable AmountNote Interest Carryover Shortfall at End of Due PeriodNote Interest Distributable Amount
A-1-— 1.72625 %31ACT/360— — — 
A-2a— — 1.83 %3030/360— — — 
A-2b— — 0.70414 %31ACT/360— — — 
A-379,134,465.77 — 1.87 %3030/360123,317.88 — 123,317.88 
A-455,640,000.00 — 1.93 %3030/36089,487.67 — 89,487.67 
Totals$134,774,465.77 — $212,805.55 — $212,805.55 

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 IV. CALCULATION OF AVAILABLE MONIES AND DISTRIBUTIONS
Available Monies:
Principal collections on Contracts during Due Period$9,802,360.89 
Interest collections on Contracts during Due Period1,036,200.29 
Net Liquidation Proceeds133,721.15 
Aggregate of Purchase Price for Contracts required to be purchased by Seller or Servicer— 
Advances made by Servicer18,415.74 
Amounts paid by Seller in connection with the optional repurchase of the Contracts— 
Investment Earnings - Collection Account1,070.92 
Total Available Monies$10,991,768.99 
Distribution of Available Monies in order of priority:
Reimbursement Amount for Advances previously made22,982.52 
Monthly Servicing Fee to the Servicer, including any unpaid Servicing Fees135,278.25 
Monthly Indenture Trustee Fee, including any unpaid Indenture Trustee Fees304.38 
Asset Representation Reviewer Fee— 
Note Interest Distributable Amount212,805.55 
Principal Distributable Amount9,988,036.20 
Total distribution of fees, interest and principal10,359,406.90 
Excess Amounts (Shortfall)632,362.09 
Amount withdrawn from Reserve Fund to cover Shortfall— 
Excess Amounts to the Reserve Fund up to the Specified Reserve Fund Balance— 
Unpaid fees, expenses and amounts to the Indenture Trustee— 
Unpaid fees, expenses and amounts to the Asset Representation Reviewer— 
Excess Amounts to Certificateholders632,362.09 
Total distribution of Available Monies$10,991,768.99 
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 V. ACCOUNT BALANCE INFORMATION
Specified Reserve Fund Balance (0.25% of Initial Pool Balance)$1,450,496.73 
Reserve Fund balance as of prior Distribution Date$1,450,496.73 
Additions to Reserve Fund:
Additional deposit - Excess Amounts to Reserve Fund— 
Investment earnings - Reserve Fund158.62 
Total additions158.62 
Withdrawals from Reserve Fund:
Amount withdrawn to cover Shortfall— 
Excess Reserve Fund balance to Certificateholders158.62 
Total withdrawals158.62 
Reserve Fund balance at current Distribution Date$1,450,496.73 
Calculation of Overcollateralization Target Amount:
Overcollateralization Target Amount for current Distribution Date (4.75% of the Initial Pool Balance)$27,559,437.91
AmountPercentage
Overcollateralization Amount at Cutoff Date27,558,692.864.75%
Overcollateralization Target Amount for current Distribution Date27,559,437.9118.09%
Overcollateralization Amount at current Distribution Date27,559,437.9118.09%

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 VI. CONTRACT PERFORMANCE INFORMATION
Number of months since Closing Date28 
Monthly lossesNumber of ContractsAmount% of Principal Balance at beginning of Due Period
Beginning of period Principal Balance of Contracts liquidated in the Due Period12$185,318.44 0.114%
Less:
Net Liquidation Proceeds for the Due Period9133,721.15 0.082%
Net Liquidation Losses for the Due Period51,597.29 0.032%
Net Liquidation Loss ratio0.381%
Average loss ratioNet Liquidation Loss ratio - current Distribution Date0.381%
Net Liquidation Loss ratio - prior Distribution Date-0.659%
Net Liquidation Loss ratio - second prior Distribution Date 0.479%
     Three-month average loss ratio0.067%
Number of ContractsAmount% of Initial Principal Balance
Cumulative losses
Cumulative Liquidated Contracts394$6,662,083.96 1.148%
Cumulative Net Liquidation Proceeds3044,223,668.16 0.728%
Cumulative Net Liquidation Losses2,438,415.80 0.420%
Average net loss (amount of cumulative Net Liquidation Losses / number of cumulative Liquidated Contracts)$6,188.87 
Cumulative loss ratioCumulative loss ratio0.420%
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DelinquenciesDays DelinquentNumber of ContractsPrincipal BalanceDelinquent Interest Amount% of Principal Balance at Beginning of Due Period
30 - 5952$632,669.84 $8,486.30 0.390%
60 - 8914125,918.31 1,874.96 0.078%
90 - 11916180,886.58 4,612.73 0.111%
120+11115,596.10 3,441.75 0.071%
Totals93$1,055,070.83 $18,415.74 0.650%
60+ delinquency amount41$422,400.99 0.260%
Average 60+ day delinquency ratio60+ day delinquency ratio - current Distribution Date0.260%
60+ day delinquency ratio - prior Distribution Date0.312%
60+ day delinquency ratio - second prior Distribution Date0.367%
   Three-month average delinquency Ratio0.313%
Current 60+ day delinquency ratio meets or exceeds Delinquency Trigger (5.60%)? Yes or NoNo

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 VII. ADDITIONAL CONTRACT INFORMATION
Contract DataBeginning of Due PeriodEnd of Due Period
Number of Contracts16,454 15,794 
Principal Balance of Contracts162,333,903.68 152,345,867.48 
Weighted average original term74.02 74.16 
Weighted average remaining term36.79 36.01 
Weighted average age37.23 38.15 
One month prepayments (ABS)1.68 %1.59 %
Weighted average Contract Rate7.53 %7.55 %

Contract Rate
Principal Balance
of Contracts
% of Principal Balance at
End of Due Period
< 0.000%-— %
0.000% - 5.000%37,014,376.31 24.30 %
5.001% - 10.000%87,170,872.78 57.22 %
10.001% - 15.000%28,160,618.39 18.48 %
15.001% - 20.000%— — %
> 20.000%— — %
Advances made by Servicer in current Due Period$18,415.74 
Reimbursement Amount due to Servicer22,982.52 
Number of Contracts purchased by Seller or Servicer— 
Principal Balance of Contracts purchased by Seller or Servicer— 
Purchase Price of Contracts purchased by Seller or Servicer— 

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 VIII. OTHER INFORMATION FOR NOTEHOLDERS
1. Information regarding material changes to the definition or determination of delinquencies, charge-offs and uncollectible accounts:
     
       
None
2. Information regarding any material modifications, extensions or waivers to contract terms, fees, penalties or payments during the distribution period or that have cumulatively become material
     
       
 over time:
     
       
None


3. Information regarding material breaches of contract representations or warranties or transaction covenants:
     
    
None
4. Information regarding any new issuance of asset-backed securities backed by the same contracts:
     
None
5. Information regarding any contract changes (other than in connection with a contract converting into cash in accordance with its terms), such as additions or removals in connection with a
    prefunding period, including any material changes in the solicitation, credit-granting, underwriting, origination, acquisition or pool selection criteria or procedures, as applicable, used to
    originate, acquire or select the new pool of contracts:
Not applicable
6. During the pre-funding period, if applicable, information regarding originators, pool contracts or significant obligors pursuant to Item 1121(b) of Regulation AB:
Not applicable
7. Information regarding material changes to derivatives used within the transaction structure, including the counterparty, the operation and material terms of the derivatives instruments:
Not applicable

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HARLEY-DAVIDSON CREDIT CORP.

CERTIFICATE OF SERVICING OFFICER


The undersigned certifies that she is the Vice President and Chief Financial Officer of Harley-Davidson Credit Corp., a Nevada corporation (the "Servicer"), and that as such she is duly authorized to execute and deliver this certificate on behalf of the Servicer pursuant to Section 9.02 of the Sale and Servicing Agreement (the "Agreement") dated as of January 1, 2020 by and among Harley-Davidson Customer Funding Corp., as Trust Depositor, the Servicer and The Bank Of New York Mellon Trust Company, N.A., as Trustee of Harley-Davidson Motorcycle Trust 2020-A (all capitalized terms used herein without definition having the respective meanings specified in the Agreement), and further certifies that:


1. The Monthly Report for the period from April 1, 2022 to April 30, 2022 attached to this certificate is complete and accurate in accordance with the requirements of Sections 9.01 and 9.02 of the Agreement; and

2. As of the date hereof, no Event of Termination event that with notice or lapse of time or both would become an Event of Termination has occurred.

IN WITNESS WHEREOF, I have affixed hereunto my signature this 9th day of
May 2022.

HARLEY-DAVIDSON CREDIT CORP.


By: /s/ Susan Paskvan
                            Susan Paskvan, Vice President
and Chief Financial Officer

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