{ "meta": { "count": 109, "description": "All American Default Research indicators with current or explicitly last-verified readings and metadata", "last_generated": "2026-10-09T21:53:55Z", "source_url": "https://americandefault.org/indicators/", "attribution": "American Default Research (americandefault.org) — Free to use with attribution" }, "indicators": [ { "slug": "401-k-loan-outstanding-rate", "name": "401(k) Loan Outstanding Rate", "branded_name": null, "source": "Vanguard How America Saves 2026", "frequency": "annual", "units": "percent", "door": 3, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-09-25T03:47:15Z", "stale": false, "data_status": "current", "latest_value": 13, "latest_date": "2025-12-31", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/401-k-loan-outstanding-rate/", "api_url": "https://americandefault.org/api/indicators/401-k-loan-outstanding-rate.json" }, { "slug": "the-skip-rate", "name": "Adults Who Paid Less or Skipped Bills", "branded_name": "The Skip Rate", "source": "Federal Reserve Bank of Philadelphia LIFE Survey", "frequency": "quarterly", "units": "percent", "door": 6, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-09-25T18:42:59Z", "stale": false, "data_status": "current", "latest_value": 18.3, "latest_date": "2026-09-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-skip-rate/", "api_url": "https://americandefault.org/api/indicators/the-skip-rate.json" }, { "slug": "ai-job-posting-share-of-total", "name": "AI Share of Indeed Job Postings", "branded_name": null, "source": "Indeed Hiring Lab AI Tracker (public CSV)", "frequency": "monthly", "units": "percent", "door": 5, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-10-09T14:50:27Z", "stale": false, "data_status": "current", "latest_value": 7.34, "latest_date": "2026-09-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/ai-job-posting-share-of-total/", "api_url": "https://americandefault.org/api/indicators/ai-job-posting-share-of-total.json" }, { "slug": "the-ai-cut", "name": "AI-Attributed Layoff Announcements", "branded_name": "The AI Cut", "source": "Challenger, Gray & Christmas", "frequency": "monthly", "units": "thousands", "door": 5, "trend": "falling", "trend_suppressed": "sparse_count_series", "last_updated": "2026-10-01T12:45:38Z", "stale": false, "data_status": "current", "latest_value": 4, "latest_date": "2026-09-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-ai-cut/", "api_url": "https://americandefault.org/api/indicators/the-ai-cut.json" }, { "slug": "atlanta-fed-wage-growth-tracker-1st-quartile", "name": "Atlanta Fed Wage Growth Tracker (1st Quartile)", "branded_name": null, "source": "Federal Reserve Bank of Atlanta data retrieved via FRED", "frequency": "monthly", "units": "percent", "door": 4, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 3.7, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/atlanta-fed-wage-growth-tracker-1st-quartile/", "api_url": "https://americandefault.org/api/indicators/atlanta-fed-wage-growth-tracker-1st-quartile.json" }, { "slug": "the-coverage-tax", "name": "Auto Insurance Inflation Premium (Auto CPI minus Overall CPI)", "branded_name": "The Coverage Tax", "source": "Computed from U.S. Bureau of Labor Statistics Motor Vehicle Insurance CPI and All Items CPI", "frequency": "monthly", "units": "percentage_points", "door": 0, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-09-25T02:18:10Z", "stale": false, "data_status": "current", "latest_value": -8.4807, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-coverage-tax/", "api_url": "https://americandefault.org/api/indicators/the-coverage-tax.json" }, { "slug": "the-repo-line", "name": "Auto Loans 90+ Days Past Due", "branded_name": "The Repo Line", "source": "Federal Reserve Bank of New York Household Debt and Credit Report", "frequency": "quarterly", "units": "percent", "door": 1, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-08-11T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 5.49, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-repo-line/", "api_url": "https://americandefault.org/api/indicators/the-repo-line.json" }, { "slug": "the-60-day-line", "name": "Bankcard Balances 60+ Days Past Due (Equifax)", "branded_name": "The 60-Day Line", "source": "Equifax Monthly Press Release", "frequency": "monthly", "units": "percent", "door": 1, "trend": "unknown", "trend_suppressed": "frequency_violation", "last_updated": "2026-09-29T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 2.71, "latest_date": "2026-08-31", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-60-day-line/", "api_url": "https://americandefault.org/api/indicators/the-60-day-line.json" }, { "slug": "the-wipeout-ratio", "name": "Bankruptcy Chapter 7 to Chapter 13 Filing Ratio", "branded_name": "The Wipeout Ratio", "source": "Administrative Office of the U.S. Courts, Table F-2", "frequency": "quarterly", "units": "ratio", "door": 2, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-09-30T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 1.77, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-wipeout-ratio/", "api_url": "https://americandefault.org/api/indicators/the-wipeout-ratio.json" }, { "slug": "bankruptcy-filings", "name": "Bankruptcy Filings YoY Change", "branded_name": "Bankruptcy Filings", "source": "Administrative Office of the U.S. Courts", "frequency": "quarterly", "units": "percent", "door": 2, "trend": "rising", "trend_suppressed": "rate_of_change_series", "last_updated": "2026-10-09T14:48:38Z", "stale": false, "data_status": "current", "latest_value": 12.2, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/bankruptcy-filings/", "api_url": "https://americandefault.org/api/indicators/bankruptcy-filings.json" }, { "slug": "the-bottom-half", "name": "Bottom-Half Share of Household Wealth", "branded_name": "The Bottom Half", "source": "Board of Governors of the Federal Reserve System data retrieved via FRED", "frequency": "quarterly", "units": "percent", "door": 5, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 2.3, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-bottom-half/", "api_url": "https://americandefault.org/api/indicators/the-bottom-half.json" }, { "slug": "the-k-shape", "name": "Bottom-Quartile Wage Growth vs. Inflation", "branded_name": "The K-Shape", "source": "Computed from Federal Reserve Bank of Atlanta Wage Growth Tracker and U.S. Bureau of Labor Statistics Consumer Price Index", "frequency": "annual", "units": "percentage_points", "door": 4, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-09-24T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 1.1, "latest_date": "2025-12-31", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-k-shape/", "api_url": "https://americandefault.org/api/indicators/the-k-shape.json" }, { "slug": "the-adoption-curve", "name": "Business AI Adoption Rate", "branded_name": "The Adoption Curve", "source": "U.S. Census Bureau, Business Trends and Outlook Survey", "frequency": "biweekly", "units": "percent", "door": 5, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-10-09T18:47:30Z", "stale": false, "data_status": "historical", "latest_value": null, "latest_date": null, "last_verified_value": 10, "last_verified_date": "2025-09-21", "page_url": "https://americandefault.org/indicators/the-adoption-curve/", "api_url": "https://americandefault.org/api/indicators/the-adoption-curve.json" }, { "slug": "phantom-debt", "name": "Buy Now Pay Later Lending Volume", "branded_name": "Phantom Debt", "source": "Consumer Financial Protection Bureau Buy Now, Pay Later Market Report", "frequency": "annual", "units": "billions_usd", "door": 3, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-09-17T00:00:00Z", "stale": false, "data_status": "historical", "latest_value": null, "latest_date": null, "last_verified_value": 43.9, "last_verified_date": "2023-12-31", "page_url": "https://americandefault.org/indicators/phantom-debt/", "api_url": "https://americandefault.org/api/indicators/phantom-debt.json" }, { "slug": "cfpb-consumer-complaint-volume", "name": "CFPB Consumer Complaint Volume", "branded_name": null, "source": "Consumer Financial Protection Bureau", "frequency": "monthly", "units": "count", "door": 2, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-10-09T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 712577, "latest_date": "2026-09-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/cfpb-consumer-complaint-volume/", "api_url": "https://americandefault.org/api/indicators/cfpb-consumer-complaint-volume.json" }, { "slug": "pink-slips", "name": "Challenger Job Cut Announcements", "branded_name": "Pink Slips", "source": "Challenger, Gray & Christmas", "frequency": "monthly", "units": "thousands", "door": 4, "trend": "falling", "trend_suppressed": "sparse_count_series", "last_updated": "2026-10-01T12:45:34Z", "stale": false, "data_status": "current", "latest_value": 43.3, "latest_date": "2026-09-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/pink-slips/", "api_url": "https://americandefault.org/api/indicators/pink-slips.json" }, { "slug": "chapter-13-bankruptcy-filings-yoy-change", "name": "Chapter 13 Bankruptcy Filings (YoY % Change)", "branded_name": null, "source": "Computed from Administrative Office of the U.S. Courts Table F-2", "frequency": "quarterly", "units": "percent", "door": 2, "trend": "unknown", "trend_suppressed": "rate_of_change_series", "last_updated": "2026-09-30T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 7.6, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/chapter-13-bankruptcy-filings-yoy-change/", "api_url": "https://americandefault.org/api/indicators/chapter-13-bankruptcy-filings-yoy-change.json" }, { "slug": "chapter-7-bankruptcy-filings-yoy-change", "name": "Chapter 7 Bankruptcy Filings (YoY % Change)", "branded_name": null, "source": "Computed from Administrative Office of the U.S. Courts Table F-2", "frequency": "quarterly", "units": "percent", "door": 2, "trend": "falling", "trend_suppressed": "rate_of_change_series", "last_updated": "2026-09-29T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 14.7, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/chapter-7-bankruptcy-filings-yoy-change/", "api_url": "https://americandefault.org/api/indicators/chapter-7-bankruptcy-filings-yoy-change.json" }, { "slug": "charge-off-rate-on-all-loans", "name": "Charge-Off Rate on All Loans", "branded_name": null, "source": "Board of Governors of the Federal Reserve System data retrieved via FRED", "frequency": "quarterly", "units": "percent", "door": 2, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-08-26T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 0.55, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/charge-off-rate-on-all-loans/", "api_url": "https://americandefault.org/api/indicators/charge-off-rate-on-all-loans.json" }, { "slug": "charge-off-rate-on-credit-card-loans", "name": "Charge-Off Rate on Credit Card Loans", "branded_name": null, "source": "Board of Governors of the Federal Reserve System data retrieved via FRED", "frequency": "quarterly", "units": "percent", "door": 1, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-08-26T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 3.82, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/charge-off-rate-on-credit-card-loans/", "api_url": "https://americandefault.org/api/indicators/charge-off-rate-on-credit-card-loans.json" }, { "slug": "charge-off-rate-on-single-family-residential-mortgages", "name": "Charge-Off Rate on Single-Family Residential Mortgages", "branded_name": null, "source": "Board of Governors of the Federal Reserve System data retrieved via FRED", "frequency": "quarterly", "units": "percent", "door": 2, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-08-26T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 0, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/charge-off-rate-on-single-family-residential-mortgages/", "api_url": "https://americandefault.org/api/indicators/charge-off-rate-on-single-family-residential-mortgages.json" }, { "slug": "the-card-tax", "name": "Commercial Bank Interest Rate on Credit Card Plans", "branded_name": "The Card Tax", "source": "Board of Governors of the Federal Reserve System data retrieved via FRED", "frequency": "quarterly", "units": "percent", "door": 0, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-10-07T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 21.19, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-card-tax/", "api_url": "https://americandefault.org/api/indicators/the-card-tax.json" }, { "slug": "the-warning-light", "name": "Conference Board Consumer Expectations Index", "branded_name": "The Warning Light", "source": "The Conference Board", "frequency": "monthly", "units": "index", "door": 0, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-10-09T18:28:22Z", "stale": false, "data_status": "current", "latest_value": 63.6, "latest_date": "2026-09-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-warning-light/", "api_url": "https://americandefault.org/api/indicators/the-warning-light.json" }, { "slug": "continued-unemployment-claims-sa", "name": "Continued Unemployment Claims (SA)", "branded_name": null, "source": "U.S. Department of Labor data retrieved via FRED", "frequency": "weekly", "units": "count", "door": 4, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-10-08T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 1716000, "latest_date": "2026-09-26", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/continued-unemployment-claims-sa/", "api_url": "https://americandefault.org/api/indicators/continued-unemployment-claims-sa.json" }, { "slug": "first-missed", "name": "Cotality Current-to-30-Day Mortgage Transition Rate", "branded_name": "First Missed", "source": "CoreLogic / Cotality Monthly Report", "frequency": "quarterly", "units": "percent", "door": 2, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-07-06T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 0.6, "latest_date": "2026-03-31", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/first-missed/", "api_url": "https://americandefault.org/api/indicators/first-missed.json" }, { "slug": "cpi-inflation-rate-all-items", "name": "CPI Inflation Rate (All Items)", "branded_name": null, "source": "U.S. Bureau of Labor Statistics data retrieved via FRED", "frequency": "monthly", "units": "percent", "door": 0, "trend": "rising", "trend_suppressed": "rate_of_change_series", "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 3.35301632275564, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/cpi-inflation-rate-all-items/", "api_url": "https://americandefault.org/api/indicators/cpi-inflation-rate-all-items.json" }, { "slug": "the-other-banks", "name": "Credit Card Delinquency at Banks Outside the Top 100", "branded_name": "The Other Banks", "source": "Board of Governors of the Federal Reserve System data retrieved via FRED", "frequency": "quarterly", "units": "percent", "door": 1, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-08-26T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 6.49, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-other-banks/", "api_url": "https://americandefault.org/api/indicators/the-other-banks.json" }, { "slug": "large-vs-small-bank-credit-card-delinquency-spread", "name": "Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest", "branded_name": null, "source": "Computed (Board of Governors of the Federal Reserve System data retrieved via FRED: DRCCLOBS - DRCCLT100S)", "frequency": "quarterly", "units": "percentage_points", "door": 1, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-09-07T21:17:13Z", "stale": false, "data_status": "current", "latest_value": 3.75, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/large-vs-small-bank-credit-card-delinquency-spread/", "api_url": "https://americandefault.org/api/indicators/large-vs-small-bank-credit-card-delinquency-spread.json" }, { "slug": "delinquency-rate-on-consumer-loans-ex-credit-card", "name": "Delinquency Rate on Consumer Loans (ex credit card)", "branded_name": null, "source": "Board of Governors of the Federal Reserve System data retrieved via FRED", "frequency": "quarterly", "units": "percent", "door": 1, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-08-26T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 2.33, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/delinquency-rate-on-consumer-loans-ex-credit-card/", "api_url": "https://americandefault.org/api/indicators/delinquency-rate-on-consumer-loans-ex-credit-card.json" }, { "slug": "the-late-fee", "name": "Delinquency Rate on Credit Card Loans", "branded_name": "The Late Fee", "source": "Board of Governors of the Federal Reserve System data retrieved via FRED", "frequency": "quarterly", "units": "percent", "door": 1, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-08-26T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 2.85, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-late-fee/", "api_url": "https://americandefault.org/api/indicators/the-late-fee.json" }, { "slug": "mortgage-delinquency-rate", "name": "Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks", "branded_name": null, "source": "Board of Governors of the Federal Reserve System data retrieved via FRED", "frequency": "quarterly", "units": "percent", "door": 1, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-09-03T04:52:19Z", "stale": false, "data_status": "current", "latest_value": 1.86, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/mortgage-delinquency-rate/", "api_url": "https://americandefault.org/api/indicators/mortgage-delinquency-rate.json" }, { "slug": "the-pinch", "name": "Difficulty Paying Usual Household Expenses", "branded_name": "The Pinch", "source": "U.S. Census Bureau Household Pulse Survey", "frequency": "biweekly", "units": "percent", "door": 6, "trend": "unknown", "trend_suppressed": "series_break", "last_updated": "2026-10-09T14:45:25Z", "stale": false, "data_status": "current", "latest_value": 21.3, "latest_date": "2026-08-03", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-pinch/", "api_url": "https://americandefault.org/api/indicators/the-pinch.json" }, { "slug": "the-energy-squeeze", "name": "Energy Cost Burden (Energy PCE as % of Disposable Income)", "branded_name": "The Energy Squeeze", "source": "Computed (U.S. Bureau of Economic Analysis data retrieved via FRED: DSENEL / DSPI × 100)", "frequency": "quarterly", "units": "percent", "door": 0, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-09-30T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 3.6647, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-energy-squeeze/", "api_url": "https://americandefault.org/api/indicators/the-energy-squeeze.json" }, { "slug": "energy-cpi-all-items", "name": "Energy Price Inflation (CPI)", "branded_name": null, "source": "U.S. Bureau of Labor Statistics", "frequency": "monthly", "units": "percent", "door": 0, "trend": "rising", "trend_suppressed": "rate_of_change_series", "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 16.0493470263864, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/energy-cpi-all-items/", "api_url": "https://americandefault.org/api/indicators/energy-cpi-all-items.json" }, { "slug": "the-divide", "name": "Family Income Inequality (Gini)", "branded_name": "The Divide", "source": "U.S. Census Bureau data retrieved via FRED", "frequency": "annual", "units": "index", "door": 5, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 0.46, "latest_date": "2025-01-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-divide/", "api_url": "https://americandefault.org/api/indicators/the-divide.json" }, { "slug": "fannie-mae-and-freddie-mac-loans-in-forbearance", "name": "Fannie Mae and Freddie Mac Loans in Forbearance", "branded_name": null, "source": "Federal Housing Finance Agency, Foreclosure Prevention and Refinance Report", "frequency": "monthly", "units": "count", "door": 1, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-09-30T21:02:10Z", "stale": false, "data_status": "current", "latest_value": 37283, "latest_date": "2026-06-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/fannie-mae-and-freddie-mac-loans-in-forbearance/", "api_url": "https://americandefault.org/api/indicators/fannie-mae-and-freddie-mac-loans-in-forbearance.json" }, { "slug": "the-import-tax", "name": "Federal Customs Duties as % of Disposable Personal Income", "branded_name": "The Import Tax", "source": "Computed from U.S. Bureau of Economic Analysis federal customs duties and NIPA disposable personal income data retrieved via FRED", "frequency": "annual", "units": "percent", "door": 0, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-10-09T18:18:57Z", "stale": false, "data_status": "current", "latest_value": 1.1688, "latest_date": "2025-01-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-import-tax/", "api_url": "https://americandefault.org/api/indicators/the-import-tax.json" }, { "slug": "the-fha-signal", "name": "FHA Mortgage Delinquency Rate", "branded_name": "The FHA Signal", "source": "Mortgage Bankers Association National Delinquency Survey", "frequency": "quarterly", "units": "percent", "door": 1, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-09-29T20:36:42Z", "stale": false, "data_status": "current", "latest_value": 11.79, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-fha-signal/", "api_url": "https://americandefault.org/api/indicators/the-fha-signal.json" }, { "slug": "financial-health-score-fhn-finhealth-survey", "name": "Financially Healthy Households (Financial Health Network)", "branded_name": null, "source": "Financial Health Network Annual Survey", "frequency": "annual", "units": "percent", "door": 6, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-09-25T03:34:21Z", "stale": false, "data_status": "current", "latest_value": 31, "latest_date": "2026-01-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/financial-health-score-fhn-finhealth-survey/", "api_url": "https://americandefault.org/api/indicators/financial-health-score-fhn-finhealth-survey.json" }, { "slug": "food-price-inflation", "name": "Food Price Inflation (CPI)", "branded_name": null, "source": "U.S. Bureau of Labor Statistics", "frequency": "monthly", "units": "percent", "door": 0, "trend": "falling", "trend_suppressed": "rate_of_change_series", "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 2.63359896870972, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/food-price-inflation/", "api_url": "https://americandefault.org/api/indicators/food-price-inflation.json" }, { "slug": "foreclosure-filings", "name": "Foreclosure Filings YoY Change", "branded_name": "Foreclosure Filings", "source": "ATTOM Data Solutions", "frequency": "quarterly", "units": "percent", "door": 2, "trend": "rising", "trend_suppressed": "rate_of_change_series", "last_updated": "2026-09-25T03:33:22Z", "stale": false, "data_status": "current", "latest_value": 15, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/foreclosure-filings/", "api_url": "https://americandefault.org/api/indicators/foreclosure-filings.json" }, { "slug": "foreclosure-prevention-actions-completed-fannie-mae-and-freddie-mac-loans", "name": "Foreclosure Prevention Actions Completed, Fannie Mae and Freddie Mac Loans", "branded_name": null, "source": "Federal Housing Finance Agency, Foreclosure Prevention and Refinance Report", "frequency": "monthly", "units": "count", "door": 1, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-10-01T04:01:31Z", "stale": false, "data_status": "current", "latest_value": 15855, "latest_date": "2026-05-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/foreclosure-prevention-actions-completed-fannie-mae-and-freddie-mac-loans/", "api_url": "https://americandefault.org/api/indicators/foreclosure-prevention-actions-completed-fannie-mae-and-freddie-mac-loans.json" }, { "slug": "the-pipeline", "name": "Foreclosure Starts vs. Bank Repossessions", "branded_name": "The Pipeline", "source": "ATTOM Data Solutions", "frequency": "monthly", "units": "ratio", "door": 2, "trend": "unknown", "trend_suppressed": null, "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 4.47, "latest_date": "2026-08-31", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-pipeline/", "api_url": "https://americandefault.org/api/indicators/the-pipeline.json" }, { "slug": "foreclosure-starts-fannie-mae-and-freddie-mac-loans", "name": "Foreclosure Starts, Fannie Mae and Freddie Mac Loans", "branded_name": null, "source": "Federal Housing Finance Agency, Foreclosure Prevention and Refinance Report", "frequency": "monthly", "units": "count", "door": 2, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-10-01T03:57:53Z", "stale": false, "data_status": "current", "latest_value": 7979, "latest_date": "2026-05-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/foreclosure-starts-fannie-mae-and-freddie-mac-loans/", "api_url": "https://americandefault.org/api/indicators/foreclosure-starts-fannie-mae-and-freddie-mac-loans.json" }, { "slug": "the-pump-tax", "name": "Gas Price to Pay Ratio", "branded_name": "The Pump Tax", "source": "Computed (U.S. Energy Information Administration/U.S. Bureau of Labor Statistics data retrieved via FRED: GASREGW / LES1252881500Q)", "frequency": "quarterly", "units": "percent", "door": 0, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-09-25T19:09:58Z", "stale": false, "data_status": "current", "latest_value": 0.3337, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-pump-tax/", "api_url": "https://americandefault.org/api/indicators/the-pump-tax.json" }, { "slug": "the-grocery-gap", "name": "Grocery Affordability Gap", "branded_name": "The Grocery Gap", "source": "Computed (U.S. Bureau of Labor Statistics Average Hourly Earnings YoY - Food CPI YoY)", "frequency": "monthly", "units": "percentage_points", "door": 0, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-10-02T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 0.4795, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-grocery-gap/", "api_url": "https://americandefault.org/api/indicators/the-grocery-gap.json" }, { "slug": "grocery-prices-cumulative-change-since-jan-2020", "name": "Grocery Prices Cumulative Change Since Jan 2020", "branded_name": null, "source": "Computed from U.S. Bureau of Labor Statistics Food-at-Home CPI", "frequency": "monthly", "units": "percent", "door": 0, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 31.96, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/grocery-prices-cumulative-change-since-jan-2020/", "api_url": "https://americandefault.org/api/indicators/grocery-prices-cumulative-change-since-jan-2020.json" }, { "slug": "healthcare-inflation-premium-medical-cpi-minus-overall-cpi", "name": "Healthcare Inflation Premium (Medical CPI minus Overall CPI)", "branded_name": null, "source": "Computed (Medical Care CPI - CPI All Items YoY)", "frequency": "monthly", "units": "percentage_points", "door": 0, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": -1.79, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/healthcare-inflation-premium-medical-cpi-minus-overall-cpi/", "api_url": "https://americandefault.org/api/indicators/healthcare-inflation-premium-medical-cpi-minus-overall-cpi.json" }, { "slug": "heloc-balance-growth", "name": "HELOC Balances Outstanding", "branded_name": null, "source": "Federal Reserve Bank of New York Household Debt and Credit Report", "frequency": "quarterly", "units": "billions_usd", "door": 3, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-08-11T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 458.5, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/heloc-balance-growth/", "api_url": "https://americandefault.org/api/indicators/heloc-balance-growth.json" }, { "slug": "annual-homelessness-assessment-pit-count", "name": "Homelessness: HUD Point-in-Time Count", "branded_name": null, "source": "U.S. Department of Housing and Urban Development Annual Homeless Assessment Report", "frequency": "annual", "units": "count", "door": 6, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-09-25T18:35:49Z", "stale": false, "data_status": "current", "latest_value": 745652, "latest_date": "2025-01-31", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/annual-homelessness-assessment-pit-count/", "api_url": "https://americandefault.org/api/indicators/annual-homelessness-assessment-pit-count.json" }, { "slug": "debt-service", "name": "Household Debt Service Ratio", "branded_name": "Debt Service", "source": "Board of Governors of the Federal Reserve System data retrieved via FRED", "frequency": "quarterly", "units": "percent", "door": 3, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 11.111439, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/debt-service/", "api_url": "https://americandefault.org/api/indicators/debt-service.json" }, { "slug": "household-food-insecurity-rate", "name": "Household Food Insecurity Rate", "branded_name": null, "source": "U.S. Department of Agriculture Economic Research Service", "frequency": "annual", "units": "percent", "door": 6, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-07-22T21:00:00Z", "stale": false, "data_status": "historical", "latest_value": null, "latest_date": null, "last_verified_value": 13.7, "last_verified_date": "2024-12-31", "page_url": "https://americandefault.org/indicators/household-food-insecurity-rate/", "api_url": "https://americandefault.org/api/indicators/household-food-insecurity-rate.json" }, { "slug": "indeed-job-postings-index-us", "name": "Indeed Job Postings Index (US)", "branded_name": null, "source": "Indeed data retrieved via FRED", "frequency": "daily", "units": "index", "door": 4, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-10-07T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 103.8443465423, "latest_date": "2026-10-02", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/indeed-job-postings-index-us/", "api_url": "https://americandefault.org/api/indicators/indeed-job-postings-index-us.json" }, { "slug": "the-tech-drought", "name": "Information Sector Job Openings (NAICS 51)", "branded_name": "The Tech Drought", "source": "U.S. Bureau of Labor Statistics, JOLTS", "frequency": "monthly", "units": "thousands", "door": 5, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-09-29T14:26:40Z", "stale": false, "data_status": "current", "latest_value": 123, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-tech-drought/", "api_url": "https://americandefault.org/api/indicators/the-tech-drought.json" }, { "slug": "initial-unemployment-claims-sa", "name": "Initial Unemployment Claims (SA)", "branded_name": null, "source": "U.S. Department of Labor data retrieved via FRED", "frequency": "weekly", "units": "count", "door": 4, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-10-08T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 197000, "latest_date": "2026-10-03", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/initial-unemployment-claims-sa/", "api_url": "https://americandefault.org/api/indicators/initial-unemployment-claims-sa.json" }, { "slug": "the-short-shift", "name": "Involuntary Part-Time Share of Employment", "branded_name": "The Short Shift", "source": "Computed (U.S. Bureau of Labor Statistics LNS12032194 / CE16OV data retrieved via FRED)", "frequency": "monthly", "units": "percent", "door": 5, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-10-02T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 2.7588, "latest_date": "2026-09-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-short-shift/", "api_url": "https://americandefault.org/api/indicators/the-short-shift.json" }, { "slug": "jolts-quits-rate", "name": "JOLTS Quits Rate", "branded_name": null, "source": "U.S. Bureau of Labor Statistics data retrieved via FRED", "frequency": "monthly", "units": "percent", "door": 4, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-09-29T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 1.9, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/jolts-quits-rate/", "api_url": "https://americandefault.org/api/indicators/jolts-quits-rate.json" }, { "slug": "the-split", "name": "Labor Share of Nonfarm Business Output", "branded_name": "The Split", "source": "U.S. Bureau of Labor Statistics data retrieved via FRED", "frequency": "quarterly", "units": "index", "door": 5, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-09-03T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 93.446, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-split/", "api_url": "https://americandefault.org/api/indicators/the-split.json" }, { "slug": "loan-modifications-completed-fannie-mae-and-freddie-mac-loans", "name": "Loan Modifications Completed, Fannie Mae and Freddie Mac Loans", "branded_name": null, "source": "Federal Housing Finance Agency, Foreclosure Prevention and Refinance Report", "frequency": "monthly", "units": "count", "door": 1, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-10-01T04:01:31Z", "stale": false, "data_status": "current", "latest_value": 6616, "latest_date": "2026-05-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/loan-modifications-completed-fannie-mae-and-freddie-mac-loans/", "api_url": "https://americandefault.org/api/indicators/loan-modifications-completed-fannie-mae-and-freddie-mac-loans.json" }, { "slug": "the-long-haul", "name": "Long-Term Unemployed Share (27+ Weeks)", "branded_name": "The Long Haul", "source": "U.S. Bureau of Labor Statistics data retrieved via FRED", "frequency": "monthly", "units": "percent", "door": 5, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-10-02T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 27.1, "latest_date": "2026-09-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-long-haul/", "api_url": "https://americandefault.org/api/indicators/the-long-haul.json" }, { "slug": "median-sales-price-of-houses-sold-us", "name": "Median Sale Price of New Houses (US)", "branded_name": null, "source": "U.S. Census Bureau data retrieved via FRED", "frequency": "quarterly", "units": "dollars", "door": 0, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-07-24T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 410700, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/median-sales-price-of-houses-sold-us/", "api_url": "https://americandefault.org/api/indicators/median-sales-price-of-houses-sold-us.json" }, { "slug": "medicaid-chip-enrollment-monthly", "name": "Medicaid / CHIP Enrollment", "branded_name": null, "source": "Centers for Medicare & Medicaid Services Medicaid & CHIP Monthly Enrollment", "frequency": "monthly", "units": "count", "door": 6, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-10-09T18:20:35Z", "stale": false, "data_status": "current", "latest_value": 73167389, "latest_date": "2026-06-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/medicaid-chip-enrollment-monthly/", "api_url": "https://americandefault.org/api/indicators/medicaid-chip-enrollment-monthly.json" }, { "slug": "medical-care-cpi", "name": "Medical Care CPI", "branded_name": null, "source": "U.S. Bureau of Labor Statistics", "frequency": "monthly", "units": "percent", "door": 0, "trend": "falling", "trend_suppressed": "rate_of_change_series", "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 1.56301119030369, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/medical-care-cpi/", "api_url": "https://americandefault.org/api/indicators/medical-care-cpi.json" }, { "slug": "the-horizon", "name": "METR 50% Task-Completion Horizon", "branded_name": "The Horizon", "source": "METR (Model Evaluation & Threat Research)", "frequency": "as_published", "units": "hours", "door": 5, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-10-09T18:26:03Z", "stale": false, "data_status": "current", "latest_value": 17.41, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-horizon/", "api_url": "https://americandefault.org/api/indicators/the-horizon.json" }, { "slug": "monthly-fha-loan-endorsements", "name": "Monthly FHA Loan Endorsements", "branded_name": null, "source": "U.S. Department of Housing and Urban Development, Federal Housing Administration", "frequency": "monthly", "units": "count", "door": 1, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-10-08T18:25:58Z", "stale": false, "data_status": "current", "latest_value": 78925, "latest_date": "2026-08-31", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/monthly-fha-loan-endorsements/", "api_url": "https://americandefault.org/api/indicators/monthly-fha-loan-endorsements.json" }, { "slug": "mortgage-debt-service-ratio", "name": "Mortgage Debt Service Ratio", "branded_name": null, "source": "Board of Governors of the Federal Reserve System data retrieved via FRED", "frequency": "quarterly", "units": "percent", "door": 3, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 5.829946, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/mortgage-debt-service-ratio/", "api_url": "https://americandefault.org/api/indicators/mortgage-debt-service-ratio.json" }, { "slug": "mortgage-origination-volume", "name": "Mortgage Origination Volume", "branded_name": null, "source": "Federal Reserve Bank of New York Household Debt and Credit Report", "frequency": "quarterly", "units": "billions_usd", "door": 1, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-08-11T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 504.64, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/mortgage-origination-volume/", "api_url": "https://americandefault.org/api/indicators/mortgage-origination-volume.json" }, { "slug": "mortgages-with-less-than-10-percent-equity", "name": "Mortgages With Less Than 10 Percent Equity", "branded_name": null, "source": "Federal Housing Finance Agency, National Mortgage Database Aggregate Statistics", "frequency": "quarterly", "units": "percent", "door": 3, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-10-01T10:57:43Z", "stale": false, "data_status": "current", "latest_value": 4.7, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/mortgages-with-less-than-10-percent-equity/", "api_url": "https://americandefault.org/api/indicators/mortgages-with-less-than-10-percent-equity.json" }, { "slug": "motor-vehicle-insurance-cpi", "name": "Motor Vehicle Insurance CPI", "branded_name": null, "source": "U.S. Bureau of Labor Statistics", "frequency": "monthly", "units": "percent", "door": 0, "trend": "falling", "trend_suppressed": "rate_of_change_series", "last_updated": "2026-09-25T02:28:52Z", "stale": false, "data_status": "current", "latest_value": -5.12766126088311, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/motor-vehicle-insurance-cpi/", "api_url": "https://americandefault.org/api/indicators/motor-vehicle-insurance-cpi.json" }, { "slug": "the-second-job", "name": "Multiple Jobholders Share of Employment", "branded_name": "The Second Job", "source": "U.S. Bureau of Labor Statistics data retrieved via FRED", "frequency": "monthly", "units": "percent", "door": 5, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-10-02T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 5.5, "latest_date": "2026-09-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-second-job/", "api_url": "https://americandefault.org/api/indicators/the-second-job.json" }, { "slug": "the-tightening", "name": "NFCI Non-Financial Leverage Subindex", "branded_name": "The Tightening", "source": "Federal Reserve Bank of Chicago data retrieved via FRED", "frequency": "weekly", "units": "index", "door": 0, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-10-07T00:00:00Z", "stale": false, "data_status": "current", "latest_value": -0.477, "latest_date": "2026-10-02", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-tightening/", "api_url": "https://americandefault.org/api/indicators/the-tightening.json" }, { "slug": "part-time-for-economic-reasons", "name": "Part-Time for Economic Reasons", "branded_name": null, "source": "U.S. Bureau of Labor Statistics data retrieved via FRED", "frequency": "monthly", "units": "thousands", "door": 4, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-10-02T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 4501, "latest_date": "2026-09-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/part-time-for-economic-reasons/", "api_url": "https://americandefault.org/api/indicators/part-time-for-economic-reasons.json" }, { "slug": "the-buffer", "name": "Personal Saving Rate", "branded_name": "The Buffer", "source": "U.S. Bureau of Economic Analysis data retrieved via FRED", "frequency": "monthly", "units": "percent", "door": 3, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-09-30T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 4.1, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-buffer/", "api_url": "https://americandefault.org/api/indicators/the-buffer.json" }, { "slug": "prescription-drug-cpi", "name": "Prescription Drug CPI", "branded_name": null, "source": "U.S. Bureau of Labor Statistics", "frequency": "monthly", "units": "percent", "door": 0, "trend": "falling", "trend_suppressed": "rate_of_change_series", "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": -2.94595295150736, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/prescription-drug-cpi/", "api_url": "https://americandefault.org/api/indicators/prescription-drug-cpi.json" }, { "slug": "the-prime-years", "name": "Prime-Age Employment Rate (25-54)", "branded_name": "The Prime Years", "source": "U.S. Bureau of Labor Statistics data retrieved via FRED", "frequency": "monthly", "units": "percent", "door": 5, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-10-02T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 80.7, "latest_date": "2026-09-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-prime-years/", "api_url": "https://americandefault.org/api/indicators/the-prime-years.json" }, { "slug": "the-wedge", "name": "Productivity-Pay Wedge", "branded_name": "The Wedge", "source": "Computed (U.S. Bureau of Labor Statistics OPHNFB vs COMPRNFB data retrieved via FRED)", "frequency": "quarterly", "units": "index", "door": 5, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-09-03T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 109.9077, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-wedge/", "api_url": "https://americandefault.org/api/indicators/the-wedge.json" }, { "slug": "the-floor", "name": "Real Federal Minimum Wage", "branded_name": "The Floor", "source": "Computed (U.S. Department of Labor FEDMINNFRWG / CPI data retrieved via FRED)", "frequency": "monthly", "units": "dollars", "door": 5, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 2.1698, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-floor/", "api_url": "https://americandefault.org/api/indicators/the-floor.json" }, { "slug": "the-median-check", "name": "Real Median Weekly Earnings", "branded_name": "The Median Check", "source": "U.S. Bureau of Labor Statistics data retrieved via FRED", "frequency": "quarterly", "units": "dollars", "door": 5, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-07-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 378, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-median-check/", "api_url": "https://americandefault.org/api/indicators/the-median-check.json" }, { "slug": "shop-floor-pay", "name": "Real Production & Nonsupervisory Wage", "branded_name": "Shop Floor Pay", "source": "Computed (U.S. Bureau of Labor Statistics AHETPI / CPI data retrieved via FRED)", "frequency": "monthly", "units": "dollars", "door": 5, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 9.7357, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/shop-floor-pay/", "api_url": "https://americandefault.org/api/indicators/shop-floor-pay.json" }, { "slug": "utility-service-disconnections", "name": "Residential Electricity Disconnections", "branded_name": null, "source": "U.S. Energy Information Administration, Residential Utility Disconnections Report", "frequency": "annual", "units": "count", "door": 2, "trend": "unknown", "trend_suppressed": null, "last_updated": "2026-09-25T03:36:50Z", "stale": false, "data_status": "current", "latest_value": 13447935, "latest_date": "2024-12-31", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/utility-service-disconnections/", "api_url": "https://americandefault.org/api/indicators/utility-service-disconnections.json" }, { "slug": "revolving-credit-utilization-75th-percentile", "name": "Revolving Credit Utilization (75th Percentile)", "branded_name": null, "source": "Federal Reserve Bank of Philadelphia data retrieved via FRED", "frequency": "quarterly", "units": "percent", "door": 3, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-10-07T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 49.67, "latest_date": "2026-04-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/revolving-credit-utilization-75th-percentile/", "api_url": "https://americandefault.org/api/indicators/revolving-credit-utilization-75th-percentile.json" }, { "slug": "senior-loan-officer-survey-banks-tightening-standards", "name": "Senior Loan Officer Survey: Banks Tightening Standards", "branded_name": null, "source": "Board of Governors of the Federal Reserve System Senior Loan Officer Opinion Survey data retrieved via FRED", "frequency": "quarterly", "units": "percent", "door": 0, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-08-03T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 6.7, "latest_date": "2026-07-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/senior-loan-officer-survey-banks-tightening-standards/", "api_url": "https://americandefault.org/api/indicators/senior-loan-officer-survey-banks-tightening-standards.json" }, { "slug": "serious-delinquency-rate-90-days-all-loan-types", "name": "Serious Delinquency Rate (90+ days, All Loan Types)", "branded_name": null, "source": "Federal Reserve Bank of New York Household Debt and Credit Report", "frequency": "quarterly", "units": "percent", "door": 1, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-08-11T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 3.31, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/serious-delinquency-rate-90-days-all-loan-types/", "api_url": "https://americandefault.org/api/indicators/serious-delinquency-rate-90-days-all-loan-types.json" }, { "slug": "serious-delinquency-rate-fannie-mae-and-freddie-mac-loans", "name": "Serious Delinquency Rate, Fannie Mae and Freddie Mac Loans", "branded_name": null, "source": "Federal Housing Finance Agency, Foreclosure Prevention and Refinance Report", "frequency": "monthly", "units": "percent", "door": 1, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-09-30T21:02:10Z", "stale": false, "data_status": "current", "latest_value": 0.59, "latest_date": "2026-06-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/serious-delinquency-rate-fannie-mae-and-freddie-mac-loans/", "api_url": "https://americandefault.org/api/indicators/serious-delinquency-rate-fannie-mae-and-freddie-mac-loans.json" }, { "slug": "the-safety-net", "name": "Share of Adults Who Would Use Savings for a $1,000 Emergency", "branded_name": "The Safety Net", "source": "Bankrate Emergency Savings Report", "frequency": "annual", "units": "percent", "door": 3, "trend": "unknown", "trend_suppressed": "series_break", "last_updated": "2026-08-14T08:07:30Z", "stale": false, "data_status": "current", "latest_value": 30, "latest_date": "2026-01-21", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-safety-net/", "api_url": "https://americandefault.org/api/indicators/the-safety-net.json" }, { "slug": "the-squeeze", "name": "Share of Bank of America Checking Households Living Paycheck to Paycheck", "branded_name": "The Squeeze", "source": "Bank of America Institute", "frequency": "annual", "units": "percent", "door": 3, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-02-23T20:00:00Z", "stale": false, "data_status": "current", "latest_value": 24, "latest_date": "2025-09-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-squeeze/", "api_url": "https://americandefault.org/api/indicators/the-squeeze.json" }, { "slug": "student-loan-delinquency-rate-90-days", "name": "Share of Student Loan Balances 90+ Days Delinquent", "branded_name": null, "source": "Federal Reserve Bank of New York Household Debt and Credit Report", "frequency": "quarterly", "units": "percent", "door": 1, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-08-11T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 10.6, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/student-loan-delinquency-rate-90-days/", "api_url": "https://americandefault.org/api/indicators/student-loan-delinquency-rate-90-days.json" }, { "slug": "the-400-test", "name": "SHED Emergency Savings Survey", "branded_name": "The $400 Test", "source": "Board of Governors of the Federal Reserve System Survey of Household Economics and Decisionmaking", "frequency": "annual", "units": "percent", "door": 3, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-07-20T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 37, "latest_date": "2025-12-31", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-400-test/", "api_url": "https://americandefault.org/api/indicators/the-400-test.json" }, { "slug": "shelter-cpi", "name": "Shelter CPI", "branded_name": null, "source": "U.S. Bureau of Labor Statistics", "frequency": "monthly", "units": "percent", "door": 0, "trend": "falling", "trend_suppressed": "rate_of_change_series", "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 3.03480978553723, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/shelter-cpi/", "api_url": "https://americandefault.org/api/indicators/shelter-cpi.json" }, { "slug": "snap-food-stamp-enrollment", "name": "SNAP (Food Stamp) Enrollment", "branded_name": null, "source": "U.S. Department of Agriculture Food and Nutrition Service", "frequency": "monthly", "units": "count", "door": 0, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-10-09T21:53:55Z", "stale": false, "data_status": "current", "latest_value": 36352716, "latest_date": "2026-06-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/snap-food-stamp-enrollment/", "api_url": "https://americandefault.org/api/indicators/snap-food-stamp-enrollment.json" }, { "slug": "the-spread", "name": "States with Credit Card Delinquency Above 10%", "branded_name": "The Spread", "source": "Federal Reserve Bank of New York Consumer Credit Panel / Equifax", "frequency": "annual", "units": "count", "door": 6, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-03-01T23:25:04Z", "stale": false, "data_status": "current", "latest_value": 36, "latest_date": "2025-12-31", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-spread/", "api_url": "https://americandefault.org/api/indicators/the-spread.json" }, { "slug": "student-loan-payment-burden-of-discretionary-income", "name": "Student Loan Borrowers Behind on Payments or in Collections", "branded_name": null, "source": "Board of Governors of the Federal Reserve System, Survey of Household Economics and Decisionmaking (SHED)", "frequency": "annual", "units": "percent", "door": 0, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-02-27T20:12:43Z", "stale": false, "data_status": "historical", "latest_value": null, "latest_date": null, "last_verified_value": 20, "last_verified_date": "2024-12-31", "page_url": "https://americandefault.org/indicators/student-loan-payment-burden-of-discretionary-income/", "api_url": "https://americandefault.org/api/indicators/student-loan-payment-burden-of-discretionary-income.json" }, { "slug": "the-divergence", "name": "Top vs Bottom Income Quartile Spending Gap", "branded_name": "The Divergence", "source": "Opportunity Insights Economic Tracker", "frequency": "monthly", "units": "percentage_points", "door": 0, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-08-11T00:00:00Z", "stale": false, "data_status": "current", "latest_value": -13.9, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-divergence/", "api_url": "https://americandefault.org/api/indicators/the-divergence.json" }, { "slug": "total-consumer-credit-outstanding", "name": "Total Consumer Credit Outstanding", "branded_name": null, "source": "Board of Governors of the Federal Reserve System data retrieved via FRED", "frequency": "monthly", "units": "millions_usd", "door": 3, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-10-07T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 5196778.44, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/total-consumer-credit-outstanding/", "api_url": "https://americandefault.org/api/indicators/total-consumer-credit-outstanding.json" }, { "slug": "plastic-ceiling", "name": "Total Credit Card Debt Outstanding", "branded_name": "Plastic Ceiling", "source": "Federal Reserve Bank of New York Household Debt and Credit Report", "frequency": "quarterly", "units": "billions_usd", "door": 3, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-08-11T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 1263, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/plastic-ceiling/", "api_url": "https://americandefault.org/api/indicators/plastic-ceiling.json" }, { "slug": "falling-behind", "name": "Total Delinquency Rate (All Loan Types)", "branded_name": "Falling Behind", "source": "Federal Reserve Bank of New York Household Debt and Credit Report", "frequency": "quarterly", "units": "percent", "door": 1, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-08-11T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 4.73015322655927, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/falling-behind/", "api_url": "https://americandefault.org/api/indicators/falling-behind.json" }, { "slug": "total-household-debt", "name": "Total Household Debt", "branded_name": null, "source": "Federal Reserve Bank of New York Household Debt and Credit Report", "frequency": "quarterly", "units": "billions_usd", "door": 3, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-08-11T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 18770.5, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/total-household-debt/", "api_url": "https://americandefault.org/api/indicators/total-household-debt.json" }, { "slug": "total-nonfarm-payrolls", "name": "Total Nonfarm Payrolls", "branded_name": null, "source": "U.S. Bureau of Labor Statistics data retrieved via FRED", "frequency": "monthly", "units": "thousands", "door": 4, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-10-02T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 159044, "latest_date": "2026-09-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/total-nonfarm-payrolls/", "api_url": "https://americandefault.org/api/indicators/total-nonfarm-payrolls.json" }, { "slug": "total-revolving-credit-outstanding", "name": "Total Revolving Credit Outstanding", "branded_name": null, "source": "Board of Governors of the Federal Reserve System data retrieved via FRED", "frequency": "monthly", "units": "millions_usd", "door": 3, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-10-07T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 1352414, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/total-revolving-credit-outstanding/", "api_url": "https://americandefault.org/api/indicators/total-revolving-credit-outstanding.json" }, { "slug": "the-risk-reset", "name": "TransUnion Credit Card Borrower Delinquency", "branded_name": "The Risk Reset", "source": "TransUnion Quarterly Press Release", "frequency": "quarterly", "units": "percent", "door": 1, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-08-21T13:19:08Z", "stale": false, "data_status": "current", "latest_value": 2.26, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-risk-reset/", "api_url": "https://americandefault.org/api/indicators/the-risk-reset.json" }, { "slug": "u-6-underemployment-rate", "name": "U-6 Underemployment Rate", "branded_name": null, "source": "U.S. Bureau of Labor Statistics data retrieved via FRED", "frequency": "monthly", "units": "percent", "door": 4, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-10-02T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 7.6, "latest_date": "2026-09-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/u-6-underemployment-rate/", "api_url": "https://americandefault.org/api/indicators/u-6-underemployment-rate.json" }, { "slug": "unbanked-underbanked-household-rate", "name": "Unbanked Household Rate", "branded_name": null, "source": "Federal Deposit Insurance Corporation National Survey of Unbanked and Underbanked Households", "frequency": "biennial", "units": "percent", "door": 6, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-02-27T19:41:15Z", "stale": false, "data_status": "current", "latest_value": 4.2, "latest_date": "2023-12-31", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/unbanked-underbanked-household-rate/", "api_url": "https://americandefault.org/api/indicators/unbanked-underbanked-household-rate.json" }, { "slug": "underwater-mortgages-owing-more-than-the-home-is-worth", "name": "Underwater Mortgages (Owing More Than the Home Is Worth)", "branded_name": null, "source": "Federal Housing Finance Agency, National Mortgage Database Aggregate Statistics", "frequency": "quarterly", "units": "percent", "door": 3, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-10-01T10:57:43Z", "stale": false, "data_status": "current", "latest_value": 0.3, "latest_date": "2026-06-30", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/underwater-mortgages-owing-more-than-the-home-is-worth/", "api_url": "https://americandefault.org/api/indicators/underwater-mortgages-owing-more-than-the-home-is-worth.json" }, { "slug": "unemployment-rate", "name": "Unemployment Rate", "branded_name": null, "source": "U.S. Bureau of Labor Statistics data retrieved via FRED", "frequency": "monthly", "units": "percent", "door": 4, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-10-02T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 4.2, "latest_date": "2026-09-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/unemployment-rate/", "api_url": "https://americandefault.org/api/indicators/unemployment-rate.json" }, { "slug": "the-union-card", "name": "Union Membership Rate", "branded_name": "The Union Card", "source": "U.S. Bureau of Labor Statistics Union Members", "frequency": "annual", "units": "percent", "door": 5, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-09-25T18:32:44Z", "stale": false, "data_status": "current", "latest_value": 10, "latest_date": "2025-01-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-union-card/", "api_url": "https://americandefault.org/api/indicators/the-union-card.json" }, { "slug": "the-mood-ring", "name": "University of Michigan Consumer Sentiment Index", "branded_name": "The Mood Ring", "source": "University of Michigan data retrieved via FRED", "frequency": "monthly", "units": "index", "door": 0, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-09-25T19:52:44Z", "stale": false, "data_status": "current", "latest_value": 48.1, "latest_date": "2026-09-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-mood-ring/", "api_url": "https://americandefault.org/api/indicators/the-mood-ring.json" }, { "slug": "the-cannibalization-rate", "name": "Vanguard Hardship Withdrawal Rate", "branded_name": "The Cannibalization Rate", "source": "Vanguard How America Saves 2026", "frequency": "annual", "units": "percent", "door": 3, "trend": "rising", "trend_suppressed": null, "last_updated": "2026-09-24T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 6, "latest_date": "2025-12-31", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/the-cannibalization-rate/", "api_url": "https://americandefault.org/api/indicators/the-cannibalization-rate.json" }, { "slug": "wage-growth-vs-cpi-spread", "name": "Wage Growth vs CPI Spread", "branded_name": null, "source": "Computed (Federal Reserve Bank of Atlanta Wage Tracker - CPI YoY)", "frequency": "monthly", "units": "percentage_points", "door": 0, "trend": "falling", "trend_suppressed": null, "last_updated": "2026-09-22T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 0.747, "latest_date": "2026-08-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/wage-growth-vs-cpi-spread/", "api_url": "https://americandefault.org/api/indicators/wage-growth-vs-cpi-spread.json" }, { "slug": "youth-unemployment-rate-16-24", "name": "Youth Unemployment Rate (16-24)", "branded_name": null, "source": "U.S. Bureau of Labor Statistics data retrieved via FRED", "frequency": "monthly", "units": "percent", "door": 5, "trend": "stable", "trend_suppressed": null, "last_updated": "2026-10-02T00:00:00Z", "stale": false, "data_status": "current", "latest_value": 9.9, "latest_date": "2026-09-01", "last_verified_value": null, "last_verified_date": null, "page_url": "https://americandefault.org/indicators/youth-unemployment-rate-16-24/", "api_url": "https://americandefault.org/api/indicators/youth-unemployment-rate-16-24.json" } ] }