{
  "meta": {
    "slug": "new-serious-delinquency-rate-borrowers-age-40-to-49",
    "name": "New Serious Delinquency Rate, Borrowers Age 40 to 49",
    "branded_name": null,
    "description": null,
    "source": "New York Fed Consumer Credit Panel / Equifax",
    "source_credit": null,
    "source_url": "https://www.newyorkfed.org/microeconomics/hhdc",
    "frequency": "quarterly",
    "units": "percent",
    "fred_series_id": null,
    "fred_edge_series_id": null,
    "bls_series_id": null,
    "series_id": null,
    "measurement_basis": "A flow measure for borrowers age 40 to 49: the dollars of their debt that became seriously late (90 or more days) over the latest four quarters, divided by the dollars that were not yet seriously late at the start, across every loan type. It is the New York Fed's 'Transition into Serious Delinquency (90+) by Age' series (Quarterly Report on Household Debt and Credit, Page 24 Data), a four-quarter moving sum. Balances, not people, are counted, so large mortgages weigh more than small card balances. Ages are from the Consumer Credit Panel, a 5 percent Equifax sample, without borrowers whose birth year is unknown. Readings are dated to the quarter's last day; the New York Fed revises prior quarters.",
    "door": 1,
    "trend": "falling",
    "trend_suppressed": null,
    "series_breaks": [],
    "direction": "higher_is_worse",
    "last_updated": "2026-10-29T17:24:17Z",
    "stale": false,
    "stale_reason": null,
    "data_status": "current",
    "page_url": "https://americandefault.org/indicators/new-serious-delinquency-rate-borrowers-age-40-to-49/",
    "attribution": "American Default (americandefault.org) — Our analysis is free to use with attribution to American Default Research. Source data stays under each publisher's terms; cite the source named here."
  },
  "current": {
    "value": 2.5275637332131122,
    "date": "2026-06-30"
  },
  "last_verified": null,
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      "date": "2000-12-31",
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      "date": "2001-03-31",
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}