{
  "meta": {
    "slug": "the-risk-reset",
    "name": "TransUnion Credit Card Borrower Delinquency",
    "branded_name": "The Risk Reset",
    "description": null,
    "source": "TransUnion Quarterly Press Release",
    "source_credit": null,
    "source_url": "https://newsroom.transunion.com/Q2-2026-CIIR/",
    "frequency": "quarterly",
    "units": "percent",
    "fred_series_id": null,
    "fred_edge_series_id": null,
    "bls_series_id": null,
    "series_id": null,
    "measurement_basis": "Borrower-level share of consumers with a bankcard account 90 or more days past due",
    "door": 1,
    "trend": "rising",
    "trend_suppressed": null,
    "series_breaks": [],
    "direction": "higher_is_worse",
    "last_updated": "2026-08-21T13:19:08Z",
    "stale": false,
    "stale_reason": null,
    "data_status": "current",
    "page_url": "https://americandefault.org/indicators/the-risk-reset/",
    "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": 2.26,
    "date": "2026-06-30"
  },
  "last_verified": null,
  "data": [
    {
      "date": "2022-06-30",
      "value": 1.57
    },
    {
      "date": "2022-09-30",
      "value": 1.94
    },
    {
      "date": "2022-12-31",
      "value": 2.26
    },
    {
      "date": "2023-03-31",
      "value": 2.26
    },
    {
      "date": "2023-06-30",
      "value": 2.06
    },
    {
      "date": "2023-09-30",
      "value": 2.34
    },
    {
      "date": "2023-12-31",
      "value": 2.59
    },
    {
      "date": "2024-03-31",
      "value": 2.55
    },
    {
      "date": "2024-06-30",
      "value": 2.26
    },
    {
      "date": "2024-09-30",
      "value": 2.43
    },
    {
      "date": "2024-12-31",
      "value": 2.56
    },
    {
      "date": "2025-03-31",
      "value": 2.43
    },
    {
      "date": "2025-06-30",
      "value": 2.17
    },
    {
      "date": "2025-09-30",
      "value": 2.37
    },
    {
      "date": "2025-12-31",
      "value": 2.58
    },
    {
      "date": "2026-03-31",
      "value": 2.53
    },
    {
      "date": "2026-06-30",
      "value": 2.26
    }
  ]
}