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

February 1, 2020 to February 29, 2020

Huntington Auto Trust 2016-1

(Exact name of issuing entity as specified in its charter)

Commission File Number of issuing entity: 333-214109-01

Central Index Key Number of issuing entity: 0001688281

Huntington Funding, LLC

(Exact name of depositor as specified in its charter)

Commission File Number of depositor: 333-214109

Central Index Key Number of depositor: 0001540483

The Huntington National Bank

(Exact name of sponsor as specified in its charter)

Central Index Key Number of sponsor: 0000049205

Kim Taylor, (614)-480-2265

(Name and telephone number, including area code, of the person to contact in connection with this filing)

DELAWARE

26-2764361

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

(I.R.S. Employer
Identification No.)

41 South High Street, Columbus, Ohio

43287

(Address of principle executive offices of the issuing entity)

(Zip Code)

(614) 480-2265

(Telephone number, including area code)

Registered / reporting pursuant to
(Check One)

Name of
Exchange
(If section 12(b))

Title of Class

Section 12(b)

Section 12(g)

Section 15(d)

Class A-1

Class A-2

Class A-3

Class A-4

Class B Notes

Class C Notes

Class D Notes

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 ý No ¨.

TABLE OF CONTENTS



PART I – DISTRIBUTION INFORMATION			3
Item 1. Distribution and Pool Performance Information			3
Item 1A. Asset-Level Information.			3
Item 1B. Asset Representations Reviewer and Investor Communication.			3
PART II – OTHER INFORMATION			3
Item 2. Legal Proceedings			3
Item 3. Sales of Securities and Use of Proceeds			3
Item 4. Defaults Upon Senior Securities			3
Item 5. Submission of Matters to a Vote of Security Holders			3
Item 6. Significant Obligors of Pool Assets			3
Item 7. Change in Sponsor Interest in the Securities			3
Item 8. Significant Enhancement Provider Information			3
Item 9. Other Information			3
Item 10. Exhibits			3
EXHIBIT INDEX			4
Signature			5

Monthly Statement to Securityholder for the Period from February 1, 2020 to February 29, 2020.

PART 1 – DISTRIBUTION INFORMATION

Item 1. Distribution and Pool Performance Information

Distribution and pool performance information of the asset pool of the issuing entity is set forth in the attached monthly Statement to Security Holder.

There is no activity to report under Rule 15Ga-1(a) under the Securities Exchange Act of 1934, as amended, with respect to Huntington Auto Trust 2016-1 for the distribution period commencing on February 1, 2020, and ending on February 29, 2020. Huntington Funding, LLC (CIK #0001540483), as securitizer, most recently filed a Form ABS-15G on February 14, 2020, with respect to all asset-backed securities sponsored by it, including those securities issued by Huntington Auto Trust 2016-1.

Item 1A. Asset-Level Information

None.

Item 1B. Asset Representations Reviewer and Investor Communication

None.

PART II – OTHER INFORMATION

Item 2. Legal Proceedings

None.

Item 3. Sales of Securities and Use of Proceeds

None.

Item 4. Defaults Upon Senior Securities

None.

Item 5. Submission of Matters to Vote of Security Holders

None.

Item 6. Significant Obligors of Pool Assets

None.

Item 7. Change in Sponsor Interest in the Securities

There have been no material change in the sponsor's, or affiliate's interest in the securities resulting from the purchase, sale or other acquisition or disposition of the securities by the sponsor, or an affiliate during the reporting period covered in this report.

Item 8. Significant Enhancement Provider Information

None.

Item 9. Other Information

None.

Item 10. Exhibits

EXHIBIT NO. DESCRIPTION

99.1 Monthly Statement to Security Holder for the Period from February 1, 2020 to February 29, 2020.

EXHIBIT INDEX

EXHIBIT NO.

DESCRIPTION

99.1

Monthly Statement to Security Holder for the Period from February 1, 2020 to February 29, 2020

Signature

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.

Huntington Auto Trust 2016-1

(Issuing Entity)

by:

The Huntington National Bank

(Servicer, not in its individual capacity but Solely as Servicer on behalf of Issuing Entity)

/s/ Kim Taylor

Kim Taylor,

Senior Vice President

Date: March 20, 2020

Huntington Auto Trust 2016-1 10-D