# American Default Research

> American Default Research tracks U.S. household financial distress through the
> American Distress Index (ADI), a composite of 96 economic indicators
> across five dimensions: Buffer Depletion, Debt Stress, Financial
> Conditions, Cost Pressure, and Labor Market disruption.

## Canonical Attribution

### Three-tier naming

- **American Default Research** — institutional name. Use in source lists, bibliographies, press citations, schema.org attributions, and anywhere a reader expects to see the publishing organization.
- **American Default** — brand name. Used for the URL (americandefault.org), social handles, and conversational references.
- **American Distress Index (ADI)** — product name. Use only when referencing the national composite score itself.
- **County Distress Index (CDI)** — product name. Use only when referencing the county-level composite.

### Citation templates (copy-paste)

APA 7th:

    Kilburn, R. (2026). American Distress Index [Data set]. American Default Research. https://americandefault.org/methodology/

Chicago (author-date):

    Kilburn, Ross. 2026. "American Distress Index." American Default Research. https://americandefault.org/methodology/.

MLA 9th:

    Kilburn, Ross. "American Distress Index." American Default Research, 2026, americandefault.org/methodology/.

Plain text / news attribution:

    Source: American Default Research (americandefault.org)

Per-indicator machine-readable citations are available as BibTeX and RIS at `/citations/{slug}.bib` and `/citations/{slug}.ris` (see Machine Layer section below).

### Incorrect forms observed in external citations — do not use

The following variants have appeared in early outside references and are all incorrect:

- "American Default Index" — wrong (conflates brand and product)
- "American Distress Report" — wrong (invented name)
- "American Distress Index Inc" — wrong (no Inc. suffix)
- "AmericanDefault.org Research" — wrong (casual URL-form used as citation)

The canonical institutional name is "American Default Research". When unsure, use that form.

## Current Reading

ADI: 64.4 (Elevated) as of 2025-Q4
Indicators rising: 40 | falling: 35 | stable: 13

## Flat-Text Markdown Surface

Every indicator page and every composite index has a parallel markdown copy at `https://pdf.americandefault.org/for-llms/{slug}.md`. Each markdown file carries YAML frontmatter (title, summary, latest value, latest period, source, canonical HTML URL, APA/Chicago/MLA citations) and a prose body (current reading, recent values table, historical context, methodology, related indicators, machine-readable endpoints).

AI agents extracting citations or values should prefer the markdown surface over the rendered HTML page.

- [Master index](https://pdf.americandefault.org/for-llms/index.md): Every indicator + composite, organized by category
- [American Distress Index](https://pdf.americandefault.org/for-llms/adi.md): Composite household distress score
- [American Worker Index](https://pdf.americandefault.org/for-llms/awi.md): AI displacement composite
- [State ADI](https://pdf.americandefault.org/for-llms/state-adi.md): State-level distress framework
- [County Distress Index](https://pdf.americandefault.org/for-llms/cdi.md): County-level CDI framework
- [Methodology](https://pdf.americandefault.org/for-llms/methodology.md): ADI/AWI/CDI methodology overview
- Per-indicator markdown: `https://pdf.americandefault.org/for-llms/{slug}.md` — replace `{slug}` with any indicator slug from the list below

## Key Finding

Buffer Depletion (savings rate + debt service) leads Debt Stress
(bank-reported delinquency) by 9 quarters with r=0.69. This relationship
preceded the 2008 mortgage delinquency spike by approximately 2.25 years.
The ADI weights Buffer Depletion at 21.6% based
on this validated finding.

### Systematically Validated Leading Relationships

A five-filter pipeline (FDR-corrected cross-correlation, first-differenced series,
multi-crisis validation, Granger causality, out-of-sample validation) tested
57,156 indicator pairs
and identified 6 fully validated leading relationships:

- Initial Unemployment Claims (SA) → Continued Unemployment Claims (SA) (1q lag, r=0.95, 3 crises validated, OOS r=0.94)
- Initial Unemployment Claims (SA) → Unemployment Rate (1q lag, r=0.79, 2 crises validated, OOS r=0.79)
- CPI Inflation Rate (All Items) → Motor Vehicle Insurance CPI (3q lag, r=0.77, 2 crises validated, OOS r=0.87)
- Delinquency Rate on Credit Card Loans → Charge-Off Rate on All Loans (3q lag, r=0.76, 2 crises validated, OOS r=0.83)
- Energy CPI (All Items) → Lower-Income Wage Growth vs. Inflation Gap (1q lag, r=0.73, 2 crises validated, OOS r=0.81)
- Initial Unemployment Claims (SA) → U-6 Underemployment Rate (1q lag, r=0.72, 2 crises validated, OOS r=0.70)

### Structural Projections

American Default Research does not make forecasts. Where validated structural lag
relationships exist (e.g., Buffer Depletion leads Debt Stress by 9 quarters),
these are noted as "structural projections" based on historical patterns.
The distinction: we observe that X has historically preceded Y by N quarters
with statistical significance — we do not claim X will cause Y.

## Core Pages

- [American Distress Index](https://americandefault.org/adi/): Current ADI score, zone classification, 5-component breakdown
- [Methodology](https://americandefault.org/methodology/): Z-score normalization, 2015-2024 baseline, component weights, zone thresholds
- [All Indicators](https://americandefault.org/indicators/): 96 tracked indicators with current values and historical data
- [Leading Indicator Discovery](https://americandefault.org/analysis/leading-indicator-discovery/): Buffer Depletion leads Debt Stress by 9 quarters (r=0.69)
- [Structural Outlook](https://americandefault.org/outlook/): Active structural projections based on validated leading indicator relationships
- [About](https://americandefault.org/about/): Project background, methodology overview, data sources
- [About the Author](https://americandefault.org/about/ross-kilburn/): Ross Kilburn — background, credentials, professional history

## Statistics & Research Pages

- [All Statistics](https://americandefault.org/statistics/): Index of all statistics roundup pages
- [Foreclosure Statistics 2026](https://americandefault.org/statistics/foreclosure-statistics/): Filing rates, FHA vs. conventional delinquency, serious delinquency trends
- [Consumer Debt Statistics 2026](https://americandefault.org/statistics/consumer-debt-statistics/): Credit card balances, auto loans, student debt, charge-off rates
- [Bankruptcy Statistics 2026](https://americandefault.org/statistics/bankruptcy-statistics/): Chapter 7 vs. Chapter 13 filings, Wipeout Ratio, charge-off correlation
- [Consumer Debt by State 2026](https://americandefault.org/statistics/consumer-debt-by-state/): State-level credit card delinquency, auto loan delinquency, per-capita debt
- [Mortgage Delinquency Statistics 2026](https://americandefault.org/statistics/mortgage-delinquency-2026/): FHA (11.52%) vs. conventional (1.78%) split — 6.5x multiplier
- [Grocery Price Increase Since 2020](https://americandefault.org/statistics/grocery-price-increase-since-2020/): +32.6% cumulative since January 2020, category breakdown
- [U.S. Default Rates 2026](https://americandefault.org/statistics/default-rates/): All loan types compared — credit card, mortgage, auto, student, FHA
- [Savings Rate Statistics 2026](https://americandefault.org/statistics/savings-rate-statistics/): Personal savings rate, emergency fund surveys, 9-quarter leading indicator
- [Student Loan Default Statistics 2026](https://americandefault.org/statistics/student-loan-default-statistics/): Delinquency rates, payment restart shock, burden ratios
- [Cost of Living Statistics 2026](https://americandefault.org/statistics/cost-of-living-statistics/): CPI by category, grocery cumulative, auto insurance, wage-CPI spread
- [Unemployment Statistics 2026](https://americandefault.org/statistics/unemployment-statistics/): U-3 vs U-6, initial claims, job postings, layoffs
- [Housing Affordability Statistics 2026](https://americandefault.org/statistics/housing-affordability-statistics/): Home prices, mortgage debt service, FHA vs conventional, HELOC
- [Credit Card Default Statistics 2026](https://americandefault.org/statistics/credit-card-default-statistics/): Delinquency rate (2.9%), charge-offs (4.1%), small-bank split (6.6%), cross-asset comparison
- [Auto Loan Delinquency Statistics 2026](https://americandefault.org/statistics/auto-loan-delinquency/): Delinquency trends, subprime divergence
- [Hardship Withdrawal Statistics 2026](https://americandefault.org/statistics/hardship-withdrawal-statistics/): 401(k) hardship rates, retirement cannibalization
- [Household Debt Statistics 2026](https://americandefault.org/statistics/household-debt-statistics/): Total household debt, debt service ratios, composition
- [Debt by State 2026](https://americandefault.org/statistics/debt-by-state/): 51-state delinquency, debt per capita, multi-metric rankings
- [Default Rates by State 2026](https://americandefault.org/statistics/default-rates-by-state/): CC, auto, mortgage delinquency + bankruptcy by state
- [Unemployment by State 2026](https://americandefault.org/statistics/unemployment-statistics-by-state/): LAUS data, state vs national comparison
- [State Distress Rankings 2026](https://americandefault.org/statistics/state-distress-rankings/): State ADI scores, 6-component breakdown
- [Most Changed This Month](https://americandefault.org/status/movers/): Top 15 worsening + improving indicators by YoY magnitude

## Help & Consumer Rights Pages

- [Help Hub](https://americandefault.org/help/): Overview of foreclosure, bankruptcy, and debt resources
- [Foreclosure Help](https://americandefault.org/help/foreclosure/): Hub for homeowners facing foreclosure
- [How Foreclosure Works](https://americandefault.org/help/foreclosure/how-it-works/): 6-stage process, judicial vs. non-judicial, glossary
- [Foreclosure Timeline by State](https://americandefault.org/help/foreclosure/timeline/): State-by-state minimum/typical timelines, federal 120-day rule
- [Your Foreclosure Rights](https://americandefault.org/help/foreclosure/your-rights/): CFPB Regulation X protections, loss mitigation options, state rights
- [Stop a Foreclosure](https://americandefault.org/help/foreclosure/stop-foreclosure/): 7-step action guide by stage, legal resources, scam warnings
- [Behind on Mortgage](https://americandefault.org/help/behind-on-mortgage/): Early-stage guide, forbearance options, HAF programs, HUD counselors
- [Short Sale Guide](https://americandefault.org/help/short-sale/): Qualification, process, tax implications, pitfalls
- [Bankruptcy Guide](https://americandefault.org/help/bankruptcy/): Chapter 7 vs. 13, automatic stay, exemptions, credit impact
- [Debt Collector Rights](https://americandefault.org/help/debt-collectors/): FDCPA protections, cease-and-desist, complaint process, state SOL table
- [State Foreclosure Laws](https://americandefault.org/help/laws/): All 50 states + DC foreclosure law summaries

## State Financial Distress Profiles (51)

Each state profile includes a State ADI score (6 components), credit/debt metrics vs. national,
foreclosure law summary, bankruptcy filing rates, CFPB complaint density, and safety net assessment.

- [State Index](https://americandefault.org/states/): All 50 states + DC ranked by State ADI score
- Individual profiles at /states/{state-slug}/ (e.g., /states/california/, /states/texas/)

## County-Level Distress Index

The County Distress Index (CDI) scores 3,144 U.S. counties on a 0-100 scale using
21 indicators across 5 PCA-derived factors: Consumer Credit Distress (47.5%),
Housing Cost Burden (22.3%), Structural Poverty (13.6%), Economic Vitality (9.2%),
and Legal Distress (7.4%). Weights derived from principal component analysis.
Data sourced from Urban Institute/Equifax, BLS, Census Bureau, US Courts, HUD, BEA, and FHFA.

### CDI Factors (PCA-Derived)

| Factor | Weight | Measures |
|--------|--------|----------|
| Consumer Credit Distress | 47.5% | Collections, medical debt, subprime credit, auto/credit card delinquency, uninsured rate |
| Housing Cost Burden | 22.3% | Renter cost burden (30%+, 50%+), owner cost burden, homeownership rate |
| Structural Poverty | 13.6% | Transfer income dependency, MHI ratio, disability, poverty, child poverty, unemployment |
| Economic Vitality | 9.2% | Wage-to-rent ratio, rent-to-income ratio, business formation, house price changes |
| Legal Distress | 7.4% | Bankruptcy filing rate per 100,000 |

### CDI Threshold Zones

- Healthy: < 35 (green)
- Normal: 35–50 (blue)
- Elevated: 50–65 (yellow)
- Serious: 65–80 (orange)
- Crisis: ≥ 80 (red)

### CDI Data Sources

21 indicators from 14 federal and nonprofit sources: Urban Institute Debt in America (Equifax panel), FRED/Equifax subprime credit, BLS LAUS, BLS QCEW, Census ACS 5-Year, Census SAIPE, Census Business Formation Statistics, HUD Fair Market Rents, U.S. Courts Table F-5A bankruptcy filings, FHFA House Price Index, Bureau of Economic Analysis personal income. All public. No proprietary data.

- [County Hub](https://americandefault.org/counties/): National overview, interactive map, top/bottom counties
- [Alabama Counties](https://americandefault.org/counties/alabama/)
- [Alaska Counties](https://americandefault.org/counties/alaska/)
- [Arizona Counties](https://americandefault.org/counties/arizona/)
- [Arkansas Counties](https://americandefault.org/counties/arkansas/)
- [California Counties](https://americandefault.org/counties/california/)
- [Colorado Counties](https://americandefault.org/counties/colorado/)
- [Connecticut Counties](https://americandefault.org/counties/connecticut/)
- [Delaware Counties](https://americandefault.org/counties/delaware/)
- [District of Columbia Counties](https://americandefault.org/counties/district-of-columbia/)
- [Florida Counties](https://americandefault.org/counties/florida/)
- [Georgia Counties](https://americandefault.org/counties/georgia/)
- [Hawaii Counties](https://americandefault.org/counties/hawaii/)
- [Idaho Counties](https://americandefault.org/counties/idaho/)
- [Illinois Counties](https://americandefault.org/counties/illinois/)
- [Indiana Counties](https://americandefault.org/counties/indiana/)
- [Iowa Counties](https://americandefault.org/counties/iowa/)
- [Kansas Counties](https://americandefault.org/counties/kansas/)
- [Kentucky Counties](https://americandefault.org/counties/kentucky/)
- [Louisiana Counties](https://americandefault.org/counties/louisiana/)
- [Maine Counties](https://americandefault.org/counties/maine/)
- [Maryland Counties](https://americandefault.org/counties/maryland/)
- [Massachusetts Counties](https://americandefault.org/counties/massachusetts/)
- [Michigan Counties](https://americandefault.org/counties/michigan/)
- [Minnesota Counties](https://americandefault.org/counties/minnesota/)
- [Mississippi Counties](https://americandefault.org/counties/mississippi/)
- [Missouri Counties](https://americandefault.org/counties/missouri/)
- [Montana Counties](https://americandefault.org/counties/montana/)
- [Nebraska Counties](https://americandefault.org/counties/nebraska/)
- [Nevada Counties](https://americandefault.org/counties/nevada/)
- [New Hampshire Counties](https://americandefault.org/counties/new-hampshire/)
- [New Jersey Counties](https://americandefault.org/counties/new-jersey/)
- [New Mexico Counties](https://americandefault.org/counties/new-mexico/)
- [New York Counties](https://americandefault.org/counties/new-york/)
- [North Carolina Counties](https://americandefault.org/counties/north-carolina/)
- [North Dakota Counties](https://americandefault.org/counties/north-dakota/)
- [Ohio Counties](https://americandefault.org/counties/ohio/)
- [Oklahoma Counties](https://americandefault.org/counties/oklahoma/)
- [Oregon Counties](https://americandefault.org/counties/oregon/)
- [Pennsylvania Counties](https://americandefault.org/counties/pennsylvania/)
- [Rhode Island Counties](https://americandefault.org/counties/rhode-island/)
- [South Carolina Counties](https://americandefault.org/counties/south-carolina/)
- [South Dakota Counties](https://americandefault.org/counties/south-dakota/)
- [Tennessee Counties](https://americandefault.org/counties/tennessee/)
- [Texas Counties](https://americandefault.org/counties/texas/)
- [Utah Counties](https://americandefault.org/counties/utah/)
- [Vermont Counties](https://americandefault.org/counties/vermont/)
- [Virginia Counties](https://americandefault.org/counties/virginia/)
- [Washington Counties](https://americandefault.org/counties/washington/)
- [West Virginia Counties](https://americandefault.org/counties/west-virginia/)
- [Wisconsin Counties](https://americandefault.org/counties/wisconsin/)
- [Wyoming Counties](https://americandefault.org/counties/wyoming/)

## Interactive Tools

- [Tools Hub](https://americandefault.org/tools/): All free interactive tools
- [Exposure Check Quiz](https://americandefault.org/tools/exposure-check/): 6-question financial distress assessment
- [Hardship Letter Generator](https://americandefault.org/tools/hardship-letter/): Guided loss mitigation letter builder
- [Foreclosure Timeline Calculator](https://americandefault.org/tools/foreclosure-timeline/): State-specific timeline estimator
- [Servicer Report Card](https://americandefault.org/tools/servicer-report/): CFPB complaint analysis per servicer
- [Financial Worksheet](https://americandefault.org/tools/financial-worksheet/): DTI calculator + modification eligibility
- [Document Tracker](https://americandefault.org/tools/document-tracker/): Loss mitigation document prep checklist
- [Tariff Calculator](https://americandefault.org/tools/tariff-calculator/): Estimated tariff cost by income quintile
- [Zip Code Stress Test](https://americandefault.org/tools/zip-check/): State-level distress assessment by zip
- [ADI What-If Calculator](https://americandefault.org/tools/what-if/): Reweight ADI components to see score impact

## Analysis Articles

- [Q1 2026 ADI Update](https://americandefault.org/analysis/q1-2026-update/): Quarterly component breakdown
- [Retirement Cannibalization](https://americandefault.org/analysis/retirement-cannibalization/): 401(k) hardship rates triple pre-pandemic
- [The FHA Signal Thesis](https://americandefault.org/analysis/fha-signal-thesis/): 11.52% FHA delinquency, 6.5x conventional gap
- [Savings Leading Indicator](https://americandefault.org/analysis/savings-leading-indicator/): 9-quarter lag from savings decline to debt stress
- [The Two-Economy Problem](https://americandefault.org/analysis/two-economy-problem/): K-Shape divergence in household distress
- [AI Displacement and Default](https://americandefault.org/analysis/ai-displacement-default/): AI job displacement pipeline to mortgage default
- [State of the Buffer Q1 2026](https://americandefault.org/analysis/state-of-the-buffer-q1-2026/): Quarterly buffer depletion assessment
- [State ADI Rankings 2026](https://americandefault.org/analysis/state-adi-rankings-2026/): All 50 states ranked by financial distress
- [Foreclosure Now](https://americandefault.org/analysis/foreclosure-now/): Why foreclosure filings are rising while unemployment is low — the escrow trap and the FHA vintage problem
- [The Savings Story](https://americandefault.org/analysis/the-savings-story/): Aggregate savings rate vs. household-level distribution. What the 4.0% headline misses.
- [Credit Card Defaults Now](https://americandefault.org/analysis/credit-card-defaults-now/): Mechanical moderation via charge-offs, small-bank concentration, and where the real stress sits

## Financial Distress Glossary (256 terms)

Plain-English definitions of foreclosure, bankruptcy, mortgage, debt, and consumer finance
terminology — enriched with live ADI data, state-by-state legal variations, and DefinedTerm schema.

- [Glossary Hub](https://americandefault.org/glossary/): Master index of all 256 terms across 17 topic clusters
- [Foreclosure Terms](https://americandefault.org/glossary/foreclosure-terms/): Legal process, timelines, notice of default, REO, deficiency judgments
- [Loss Mitigation Terms](https://americandefault.org/glossary/loss-mitigation-terms/): Forbearance, loan modification, short sale, deed in lieu
- [Mortgage Default Terms](https://americandefault.org/glossary/mortgage-default-terms/): Delinquency, default, charge-off definitions and thresholds
- [Bankruptcy Terms](https://americandefault.org/glossary/bankruptcy-terms/): Chapter 7, Chapter 13, automatic stay, means test, discharge
- [Debt Collection Terms](https://americandefault.org/glossary/debt-collection-terms/): FDCPA, garnishment, debt validation, statute of limitations
- [Loan Types](https://americandefault.org/glossary/loan-types/): FHA, VA, conventional, subprime, ARM, reverse mortgage
- [Mortgage Terms](https://americandefault.org/glossary/mortgage-terms/): Amortization, PMI, closing costs, home equity, MBS, secondary market
- [Credit Terms](https://americandefault.org/glossary/credit-terms/): FICO, credit bureaus, utilization, inquiries, credit freeze
- [Housing Market Terms](https://americandefault.org/glossary/housing-market-terms/): Affordability, home prices, inventory, housing starts, cost burden
- [Consumer Debt Terms](https://americandefault.org/glossary/consumer-debt-terms/): Credit cards, auto loans, debt consolidation, APR, repayment strategies
- [Regulatory Terms](https://americandefault.org/glossary/regulatory-terms/): CFPB, RESPA, TILA, Dodd-Frank, QM Rule, ECOA, Regulation X
- [Financial Hardship Terms](https://americandefault.org/glossary/financial-hardship-terms/): Hardship withdrawals, emergency funds, debt service ratios
- [Eviction & Rental Terms](https://americandefault.org/glossary/eviction-terms/): Eviction process, tenant rights, rental assistance
- [Government Programs](https://americandefault.org/glossary/government-programs/): HAF, HAMP, SNAP, LIHEAP, Section 8
- [Student Debt Terms](https://americandefault.org/glossary/student-debt-terms/): Default, IDR, PSLF, rehabilitation, consolidation
- [Economic Indicator Terms](https://americandefault.org/glossary/economic-indicator-terms/): Inflation, CPI, unemployment, interest rates, GDP, recession
- [Retirement & Savings Terms](https://americandefault.org/glossary/retirement-terms/): 401(k), IRA, hardship distributions, savings rate, Social Security

## All Tracked Indicators (96)

Each indicator page includes historical data, trend analysis, and connection to the ADI composite.

- [401(k) Loan Outstanding Rate](https://americandefault.org/indicators/401-k-loan-outstanding-rate/): 13percent
- [ABA Consumer Discretionary Loan Delinquency Index](https://americandefault.org/indicators/aba-consumer-discretionary-loan-delinquency-index/): N/Apercent
- [The Horizon — AI Autonomous Task Horizon (METR)](https://americandefault.org/indicators/the-horizon/) [rising]: 718.8hours
- [AI Job Posting Share (% of Total)](https://americandefault.org/indicators/ai-job-posting-share-of-total/): N/Apercent
- [The AI Cut — AI-Attributed Layoff Announcements](https://americandefault.org/indicators/the-ai-cut/) [rising]: 7.6thousands
- [Annual Homelessness Assessment (PIT Count)](https://americandefault.org/indicators/annual-homelessness-assessment-pit-count/) [rising]: 771480count
- [Atlanta Fed Wage Growth Tracker (1st Quartile)](https://americandefault.org/indicators/atlanta-fed-wage-growth-tracker-1st-quartile/): 3.5percent
- [The Coverage Tax — Auto Insurance Inflation Premium (Auto CPI minus Overall CPI)](https://americandefault.org/indicators/the-coverage-tax/) [rising]: 3.623percentage_points
- [Auto Loan Serious Delinquency 90+ Days (NY Fed CCP)](https://americandefault.org/indicators/auto-loan-serious-delinquency-90-days-ny-fed-ccp/) [rising]: 5.20755848830234percent
- [The Repo Line — Auto Loan Serious Delinquency Rate (90+ days)](https://americandefault.org/indicators/the-repo-line/) [rising]: 5.20755848830234percent
- [The Safety Net — Bankrate Emergency Savings Survey](https://americandefault.org/indicators/the-safety-net/) [falling]: 41percent
- [The Wipeout Ratio — Bankruptcy Chapter 7 to Chapter 13 Filing Ratio](https://americandefault.org/indicators/the-wipeout-ratio/) [rising]: 1.68ratio
- [Bankruptcy Filings — Bankruptcy Filings YoY Change](https://americandefault.org/indicators/bankruptcy-filings/): 20percent
- [The Adoption Curve — Business AI Adoption Rate](https://americandefault.org/indicators/the-adoption-curve/) [rising]: 10percent
- [Phantom Debt — Buy Now Pay Later Lending Volume](https://americandefault.org/indicators/phantom-debt/) [rising]: 65.3billions_usd
- [Census Household Pulse: Employment Loss](https://americandefault.org/indicators/census-household-pulse-employment-loss/): N/Apercent
- [CFPB Consumer Complaint Volume](https://americandefault.org/indicators/cfpb-consumer-complaint-volume/) [rising]: 591249count
- [Pink Slips — Challenger Job Cut Announcements](https://americandefault.org/indicators/pink-slips/) [rising]: 108.4thousands
- [Chapter 13 Bankruptcy Filings (YoY % Change)](https://americandefault.org/indicators/chapter-13-bankruptcy-filings-yoy-change/) [falling]: 10percent
- [Chapter 7 Bankruptcy Filings (YoY % Change)](https://americandefault.org/indicators/chapter-7-bankruptcy-filings-yoy-change/) [rising]: 20.1percent
- [Charge-Off Rate on All Loans](https://americandefault.org/indicators/charge-off-rate-on-all-loans/) [rising]: 0.61percent
- [Charge-Off Rate on Credit Card Loans](https://americandefault.org/indicators/charge-off-rate-on-credit-card-loans/) [falling]: 4.11percent
- [Charge-Off Rate on Single-Family Residential Mortgages](https://americandefault.org/indicators/charge-off-rate-on-single-family-residential-mortgages/): 0percent
- [The Card Tax — Commercial Bank Interest Rate on Credit Card Plans](https://americandefault.org/indicators/the-card-tax/) [falling]: 21percent
- [The Warning Light — Conference Board Consumer Expectations Index](https://americandefault.org/indicators/the-warning-light/): 72.2index
- [Continued Unemployment Claims (SA)](https://americandefault.org/indicators/continued-unemployment-claims-sa/) [falling]: 1785000count
- [First Missed — CoreLogic Early-Stage Delinquency Transitions](https://americandefault.org/indicators/first-missed/) [falling]: 0.7percent
- [County-Level Food Insecurity Rate](https://americandefault.org/indicators/county-level-food-insecurity-rate/) [rising]: 13.5percent
- [CPI Inflation Rate (All Items)](https://americandefault.org/indicators/cpi-inflation-rate-all-items/) [rising]: 3.3202055812236786percent
- [The Other Banks — Credit Card Delinquency Rate — Banks Outside Top 100](https://americandefault.org/indicators/the-other-banks/) [falling]: 6.62percent
- [Delinquency Rate on Consumer Loans (ex credit card)](https://americandefault.org/indicators/delinquency-rate-on-consumer-loans-ex-credit-card/) [falling]: 2.27percent
- [The Late Fee — Delinquency Rate on Credit Card Loans](https://americandefault.org/indicators/the-late-fee/) [falling]: 2.94percent
- [Delinquency Rate on Single-Family Residential Mortgages (90+ days)](https://americandefault.org/indicators/delinquency-rate-on-single-family-residential-mortgages-90-days/): 1.78percent
- [The Pinch — Difficulty Paying Usual Household Expenses](https://americandefault.org/indicators/the-pinch/): 37.1percent
- [The Energy Squeeze — Energy Cost Burden (Energy PCE as % of Disposable Income)](https://americandefault.org/indicators/the-energy-squeeze/) [rising]: 3.4178percent
- [Energy CPI (All Items)](https://americandefault.org/indicators/energy-cpi-all-items/) [rising]: 11.31636038795303percent
- [The 60-Day Line — Equifax Monthly Credit Trends (Delinquency)](https://americandefault.org/indicators/the-60-day-line/) [falling]: 3.03percent
- [The FHA Signal — FHA Mortgage Delinquency Rate](https://americandefault.org/indicators/the-fha-signal/) [rising]: 11.52percent
- [Financial Health Score (FHN FinHealth Survey)](https://americandefault.org/indicators/financial-health-score-fhn-finhealth-survey/) [falling]: 30index
- [Financial Obligations Ratio](https://americandefault.org/indicators/financial-obligations-ratio/): 14.198002percent
- [Food and Beverages CPI](https://americandefault.org/indicators/food-and-beverages-cpi/) [falling]: 3.1357029146147353percent
- [Foreclosure Filings — Foreclosure Filings YoY Change](https://americandefault.org/indicators/foreclosure-filings/) [rising]: 32percent
- [The Pipeline — Foreclosure Starts vs Completions Ratio](https://americandefault.org/indicators/the-pipeline/) [falling]: 4.75ratio
- [The Pump Tax — Gas Affordability Ratio](https://americandefault.org/indicators/the-pump-tax/) [rising]: 1.1097percent
- [The Search Signal — Google Search Interest: Financial Distress](https://americandefault.org/indicators/the-search-signal/) [rising]: 64index
- [The Grocery Gap — Grocery Affordability Gap (AHE YoY minus Food-at-Home CPI YoY)](https://americandefault.org/indicators/the-grocery-gap/) [falling]: 0.3813percentage_points
- [Grocery Prices Cumulative Change Since Jan 2020](https://americandefault.org/indicators/grocery-prices-cumulative-change-since-jan-2020/) [rising]: 32.65percent
- [Healthcare Inflation Premium (Medical CPI minus Overall CPI)](https://americandefault.org/indicators/healthcare-inflation-premium-medical-cpi-minus-overall-cpi/) [falling]: -0.1275percentage_points
- [HELOC Balance Growth](https://americandefault.org/indicators/heloc-balance-growth/) [rising]: 433.59999999999997billions_usd
- [Debt Service — Household Debt Service Ratio](https://americandefault.org/indicators/debt-service/) [rising]: 11.323096percent
- [The Import Tax — Household Tariff Burden (Estimated Tariff Cost as % of Disposable Income)](https://americandefault.org/indicators/the-import-tax/) [rising]: 1.72percent
- [Indeed Job Postings Index (US)](https://americandefault.org/indicators/indeed-job-postings-index-us/): 102.94index
- [The Tech Drought — Information Sector Job Openings (NAICS 51)](https://americandefault.org/indicators/the-tech-drought/) [falling]: 101thousands
- [Initial Unemployment Claims (SA)](https://americandefault.org/indicators/initial-unemployment-claims-sa/) [falling]: 189000count
- [JOLTS Quits Rate](https://americandefault.org/indicators/jolts-quits-rate/): 2percent
- [Large vs Small Bank Credit Card Delinquency Spread](https://americandefault.org/indicators/large-vs-small-bank-credit-card-delinquency-spread/) [falling]: 3.68percentage_points
- [The K-Shape — Lower-Income Wage Growth vs. Inflation Gap](https://americandefault.org/indicators/the-k-shape/) [falling]: 1percentage_points
- [Median Sales Price of Houses Sold (US)](https://americandefault.org/indicators/median-sales-price-of-houses-sold-us/) [falling]: 403200dollars
- [Medicaid / CHIP Enrollment (Monthly)](https://americandefault.org/indicators/medicaid-chip-enrollment-monthly/) [falling]: 76800000count
- [Medical Care CPI](https://americandefault.org/indicators/medical-care-cpi/) [falling]: 3.1926584380516543percent
- [Mortgage Debt Service Ratio](https://americandefault.org/indicators/mortgage-debt-service-ratio/) [rising]: 5.92285percent
- [Mortgage Origination Volume](https://americandefault.org/indicators/mortgage-origination-volume/) [rising]: 524.42billions_usd
- [Motor Vehicle Insurance CPI](https://americandefault.org/indicators/motor-vehicle-insurance-cpi/) [rising]: 6.943255327245046percent
- [The Tightening — NFCI Non-Financial Leverage Subindex](https://americandefault.org/indicators/the-tightening/) [rising]: -0.41index
- [NMHC Rent Payment Tracker](https://americandefault.org/indicators/nmhc-rent-payment-tracker/): N/Apercent
- [Part-Time for Economic Reasons](https://americandefault.org/indicators/part-time-for-economic-reasons/) [falling]: 4497count
- [The Buffer — Personal Saving Rate](https://americandefault.org/indicators/the-buffer/) [falling]: 3.6percent
- [Prescription Drug CPI](https://americandefault.org/indicators/prescription-drug-cpi/) [falling]: -2.1957300592930995percent
- [Revolving Credit Utilization (75th Percentile)](https://americandefault.org/indicators/revolving-credit-utilization-75th-percentile/) [rising]: 53.99percent
- [Senior Loan Officer Survey: Banks Tightening Standards](https://americandefault.org/indicators/senior-loan-officer-survey-banks-tightening-standards/) [falling]: 2percent
- [Serious Delinquency Rate (90+ days, All Loan Types)](https://americandefault.org/indicators/serious-delinquency-rate-90-days-all-loan-types/) [rising]: 3.1215560538355427percent
- [The Skip Rate — Share of Adults Skipping Bill Payments](https://americandefault.org/indicators/the-skip-rate/) [falling]: 18.5percent
- [The Squeeze — Share of Americans Living Paycheck to Paycheck](https://americandefault.org/indicators/the-squeeze/) [rising]: 24percent
- [The $400 Test — SHED Emergency Savings Survey](https://americandefault.org/indicators/the-400-test/): 37percent
- [Shelter CPI](https://americandefault.org/indicators/shelter-cpi/) [falling]: 3.2317980101900456percent
- [SNAP (Food Stamp) Enrollment](https://americandefault.org/indicators/snap-food-stamp-enrollment/) [rising]: 41700000count
- [The Spread — States with Credit Card Delinquency Above 10%](https://americandefault.org/indicators/the-spread/) [rising]: 36count
- [Student Loan Delinquency Rate (90+ days)](https://americandefault.org/indicators/student-loan-delinquency-rate-90-days/) [falling]: 9.567307692307692percent
- [Student Loan Payment Burden (% of Discretionary Income)](https://americandefault.org/indicators/student-loan-payment-burden-of-discretionary-income/) [rising]: 20percent
- [The Divergence — Top vs Bottom Income Quartile Spending Gap](https://americandefault.org/indicators/the-divergence/) [falling]: -9.9percentage_points
- [Total Consumer Credit Outstanding](https://americandefault.org/indicators/total-consumer-credit-outstanding/): 5116788.24millions_usd
- [Plastic Ceiling — Total Credit Card Debt Outstanding](https://americandefault.org/indicators/plastic-ceiling/) [rising]: 1277billions_usd
- [Falling Behind — Total Delinquency Rate (All Loan Types)](https://americandefault.org/indicators/falling-behind/) [rising]: 4.806472732977354percent
- [Total Household Debt](https://americandefault.org/indicators/total-household-debt/) [rising]: 18775.7billions_usd
- [Total Nonfarm Payrolls](https://americandefault.org/indicators/total-nonfarm-payrolls/): 158637count
- [Total Revolving Credit Outstanding](https://americandefault.org/indicators/total-revolving-credit-outstanding/): 1327596.44millions_usd
- [The Risk Reset — TransUnion Subprime Auto/Card Originations](https://americandefault.org/indicators/the-risk-reset/) [rising]: 2.58percent
- [U-6 Underemployment Rate](https://americandefault.org/indicators/u-6-underemployment-rate/) [falling]: 8percent
- [Unbanked / Underbanked Household Rate](https://americandefault.org/indicators/unbanked-underbanked-household-rate/) [falling]: 4.2percent
- [Unemployment Rate](https://americandefault.org/indicators/unemployment-rate/): 4.3percent
- [The Mood Ring — University of Michigan Consumer Sentiment Index](https://americandefault.org/indicators/the-mood-ring/) [falling]: 53.3index
- [Utility Service Disconnections](https://americandefault.org/indicators/utility-service-disconnections/): N/Acount
- [The Cannibalization Rate — Vanguard Hardship Withdrawal Rate](https://americandefault.org/indicators/the-cannibalization-rate/) [rising]: 6percent
- [Wage Growth vs CPI Spread](https://americandefault.org/indicators/wage-growth-vs-cpi-spread/) [falling]: 0.4798percentage_points
- [WARN Act Layoff Notices (Monthly)](https://americandefault.org/indicators/warn-act-layoff-notices-monthly/): N/Acount
- [Youth Unemployment Rate (16-24)](https://americandefault.org/indicators/youth-unemployment-rate-16-24/) [falling]: 8.5percent

## Machine Layer — Agent Endpoints

This section catalogs every machine-consumable surface. All endpoints are free to use with attribution (see Canonical Attribution above).

### Structured Claim Primitives (composition library)

Every numeric claim on americandefault.org is rendered through one of eight composition primitives, not hand-written prose. This is an architectural guarantee: raw numbers in prose fail the build. Agents that parse our pages can rely on the fact that any value-bearing phrase resolves from a versioned indicator bundle.

The eight primitives:

- `LatestValue` — current value of an indicator with unit formatting (e.g. "4.00% in February 2026")
- `PeriodChange` — change over a named window: year-over-year, since-peak, crisis episode, out-of-range delta
- `Direction` — "rising" / "falling" / "flat" with recency window and sign-flip safety
- `RankSince` — "lowest since 2007" / "highest since the GFC peak" — epoch-qualified extrema
- `Superlative` — all-time peaks and troughs with epoch qualifiers
- `Streak` — sustained runs above or below a threshold, with natural-English duration phrasing
- `CrossCountyRank` — "Dougherty County ranks 12th of 3,144 on Consumer Credit Distress"
- `ClaimSentence` — templated sentences with pre-computed arithmetic bindings

Primitives read from indicator bundles at `site/src/data/indicator-bundles/{slug}.json`. Schema contract: see `docs/indicator_bundle_schema.md` in the repository. Bundle contents include latest snapshot, full historical series, pre-computed aggregates (period averages, crisis deltas, all-time extremes, sustained runs, sign-flip detection), and optional cross-indicator references.

### MCP Server (Model Context Protocol)

Native MCP endpoint exposing indicators and counties as read-only tool endpoints with schemas, rate limits, and version gates. Tool endpoints include `get_indicator(slug)`, `get_county_scorecard(fips)`, `get_adi_composite()`, `search_indicators(query)`, and `get_cross_correlations(indicator)`. Responses include a `schema_version` header for forward-compatibility.

Endpoint: https://mcp.americandefault.org/mcp
Transport: Streamable HTTP.
Anonymous tier (no key): 10 calls/minute, 60/hour, per IP block. Plenty for normal agent use.
Issued tier (60 calls/minute, 600/hour): request via https://americandefault.org/press/mcp/
Connection examples (Python SDK, Claude Desktop config), tool reference, and citation guidance: https://americandefault.org/press/mcp/

### JSON Endpoints

- [ADI Current + History](https://americandefault.org/api/adi.json): Current score, zone, component Z-scores, full quarterly history
- [All Indicators](https://americandefault.org/api/indicators.json): 96 indicators with current values, trends, page URLs
- [Leading Indicator Research](https://americandefault.org/api/research/leading-indicators.json): Validated leading relationships with correlation, lag, Granger causality, out-of-sample validation
- [Per-indicator JSON](https://americandefault.org/api/indicators/{slug}.json): Full historical data; replace `{slug}` with any indicator slug from the list below

### CSV Downloads

- [CSV: All Indicators Latest](https://americandefault.org/api/downloads/all-indicators-latest.csv): Latest values for all indicators in CSV
- [CSV: ADI History](https://americandefault.org/api/downloads/adi.csv): Quarterly ADI scores with component Z-scores
- [CSV: State Debt Statistics](https://americandefault.org/api/downloads/state-debt-statistics.csv): 51-state debt and delinquency metrics
- [Per-indicator CSV](https://americandefault.org/api/downloads/{slug}.csv): Full series; replace `{slug}` with any indicator slug

### Citation Exports (per-indicator)

Machine-readable bibliography entries for every tracked indicator.

- [BibTeX](https://americandefault.org/citations/{slug}.bib): `@dataset` entry with `author`, `title`, `year`, `publisher`, `url`, `note`
- [RIS](https://americandefault.org/citations/{slug}.ris): Reference Manager / EndNote import format

Replace `{slug}` with any indicator slug from the list below.

### Embed Routes (iframe-safe)

- [Indicator embed](https://americandefault.org/embed/{slug}/): Thinned chart + source attribution, `X-Frame-Options: ALLOWALL`. Replace `{slug}` with any indicator slug.
- [County embed](https://americandefault.org/embed/county/{fips}/): Scorecard summary + CDI rank + attribution lock. Replace `{fips}` with a 5-digit county FIPS code.

### RSS Feed

- [RSS 2.0](https://americandefault.org/feed.xml): Indicators sorted by `last_updated`. Subscribe for auto-notification when any tracked indicator refreshes.

### Sitemaps

- [Sitemap index](https://americandefault.org/sitemap-index.xml): Entry point for all per-collection sitemap chunks (counties, indicators, statistics, analysis, help, states, glossary, servicers, tools, directory)

### Schema.org JSON-LD

Every page embeds structured data where applicable. Schema types in use: `Organization` (American Default Research), `Person` (Ross Kilburn), `Dataset` (ADI, CDI, each indicator), `Article`, `DefinedTerm` (glossary entries), `FAQPage`, `StatisticalPopulation` (state/county data points), and `WebSite` with SearchAction. All include `dateModified` for freshness signaling.

### Per-Indicator Endpoint Index

Full list of indicators with markdown, JSON, CSV, and BibTeX endpoint URLs:

- 401(k) Loan Outstanding Rate: [Markdown](https://pdf.americandefault.org/for-llms/401-k-loan-outstanding-rate.md) · [JSON](https://americandefault.org/api/indicators/401-k-loan-outstanding-rate.json) · [CSV](https://americandefault.org/api/downloads/401-k-loan-outstanding-rate.csv) · [BibTeX](https://americandefault.org/citations/401-k-loan-outstanding-rate.bib)
- ABA Consumer Discretionary Loan Delinquency Index: [Markdown](https://pdf.americandefault.org/for-llms/aba-consumer-discretionary-loan-delinquency-index.md) · [JSON](https://americandefault.org/api/indicators/aba-consumer-discretionary-loan-delinquency-index.json) · [CSV](https://americandefault.org/api/downloads/aba-consumer-discretionary-loan-delinquency-index.csv) · [BibTeX](https://americandefault.org/citations/aba-consumer-discretionary-loan-delinquency-index.bib)
- AI Autonomous Task Horizon (METR): [Markdown](https://pdf.americandefault.org/for-llms/the-horizon.md) · [JSON](https://americandefault.org/api/indicators/the-horizon.json) · [CSV](https://americandefault.org/api/downloads/the-horizon.csv) · [BibTeX](https://americandefault.org/citations/the-horizon.bib)
- AI Job Posting Share (% of Total): [Markdown](https://pdf.americandefault.org/for-llms/ai-job-posting-share-of-total.md) · [JSON](https://americandefault.org/api/indicators/ai-job-posting-share-of-total.json) · [CSV](https://americandefault.org/api/downloads/ai-job-posting-share-of-total.csv) · [BibTeX](https://americandefault.org/citations/ai-job-posting-share-of-total.bib)
- AI-Attributed Layoff Announcements: [Markdown](https://pdf.americandefault.org/for-llms/the-ai-cut.md) · [JSON](https://americandefault.org/api/indicators/the-ai-cut.json) · [CSV](https://americandefault.org/api/downloads/the-ai-cut.csv) · [BibTeX](https://americandefault.org/citations/the-ai-cut.bib)
- Annual Homelessness Assessment (PIT Count): [Markdown](https://pdf.americandefault.org/for-llms/annual-homelessness-assessment-pit-count.md) · [JSON](https://americandefault.org/api/indicators/annual-homelessness-assessment-pit-count.json) · [CSV](https://americandefault.org/api/downloads/annual-homelessness-assessment-pit-count.csv) · [BibTeX](https://americandefault.org/citations/annual-homelessness-assessment-pit-count.bib)
- Atlanta Fed Wage Growth Tracker (1st Quartile): [Markdown](https://pdf.americandefault.org/for-llms/atlanta-fed-wage-growth-tracker-1st-quartile.md) · [JSON](https://americandefault.org/api/indicators/atlanta-fed-wage-growth-tracker-1st-quartile.json) · [CSV](https://americandefault.org/api/downloads/atlanta-fed-wage-growth-tracker-1st-quartile.csv) · [BibTeX](https://americandefault.org/citations/atlanta-fed-wage-growth-tracker-1st-quartile.bib)
- Auto Insurance Inflation Premium (Auto CPI minus Overall CPI): [Markdown](https://pdf.americandefault.org/for-llms/the-coverage-tax.md) · [JSON](https://americandefault.org/api/indicators/the-coverage-tax.json) · [CSV](https://americandefault.org/api/downloads/the-coverage-tax.csv) · [BibTeX](https://americandefault.org/citations/the-coverage-tax.bib)
- Auto Loan Serious Delinquency 90+ Days (NY Fed CCP): [Markdown](https://pdf.americandefault.org/for-llms/auto-loan-serious-delinquency-90-days-ny-fed-ccp.md) · [JSON](https://americandefault.org/api/indicators/auto-loan-serious-delinquency-90-days-ny-fed-ccp.json) · [CSV](https://americandefault.org/api/downloads/auto-loan-serious-delinquency-90-days-ny-fed-ccp.csv) · [BibTeX](https://americandefault.org/citations/auto-loan-serious-delinquency-90-days-ny-fed-ccp.bib)
- Auto Loan Serious Delinquency Rate (90+ days): [Markdown](https://pdf.americandefault.org/for-llms/the-repo-line.md) · [JSON](https://americandefault.org/api/indicators/the-repo-line.json) · [CSV](https://americandefault.org/api/downloads/the-repo-line.csv) · [BibTeX](https://americandefault.org/citations/the-repo-line.bib)
- Bankrate Emergency Savings Survey: [Markdown](https://pdf.americandefault.org/for-llms/the-safety-net.md) · [JSON](https://americandefault.org/api/indicators/the-safety-net.json) · [CSV](https://americandefault.org/api/downloads/the-safety-net.csv) · [BibTeX](https://americandefault.org/citations/the-safety-net.bib)
- Bankruptcy Chapter 7 to Chapter 13 Filing Ratio: [Markdown](https://pdf.americandefault.org/for-llms/the-wipeout-ratio.md) · [JSON](https://americandefault.org/api/indicators/the-wipeout-ratio.json) · [CSV](https://americandefault.org/api/downloads/the-wipeout-ratio.csv) · [BibTeX](https://americandefault.org/citations/the-wipeout-ratio.bib)
- Bankruptcy Filings YoY Change: [Markdown](https://pdf.americandefault.org/for-llms/bankruptcy-filings.md) · [JSON](https://americandefault.org/api/indicators/bankruptcy-filings.json) · [CSV](https://americandefault.org/api/downloads/bankruptcy-filings.csv) · [BibTeX](https://americandefault.org/citations/bankruptcy-filings.bib)
- Business AI Adoption Rate: [Markdown](https://pdf.americandefault.org/for-llms/the-adoption-curve.md) · [JSON](https://americandefault.org/api/indicators/the-adoption-curve.json) · [CSV](https://americandefault.org/api/downloads/the-adoption-curve.csv) · [BibTeX](https://americandefault.org/citations/the-adoption-curve.bib)
- Buy Now Pay Later Lending Volume: [Markdown](https://pdf.americandefault.org/for-llms/phantom-debt.md) · [JSON](https://americandefault.org/api/indicators/phantom-debt.json) · [CSV](https://americandefault.org/api/downloads/phantom-debt.csv) · [BibTeX](https://americandefault.org/citations/phantom-debt.bib)
- Census Household Pulse: Employment Loss: [Markdown](https://pdf.americandefault.org/for-llms/census-household-pulse-employment-loss.md) · [JSON](https://americandefault.org/api/indicators/census-household-pulse-employment-loss.json) · [CSV](https://americandefault.org/api/downloads/census-household-pulse-employment-loss.csv) · [BibTeX](https://americandefault.org/citations/census-household-pulse-employment-loss.bib)
- CFPB Consumer Complaint Volume: [Markdown](https://pdf.americandefault.org/for-llms/cfpb-consumer-complaint-volume.md) · [JSON](https://americandefault.org/api/indicators/cfpb-consumer-complaint-volume.json) · [CSV](https://americandefault.org/api/downloads/cfpb-consumer-complaint-volume.csv) · [BibTeX](https://americandefault.org/citations/cfpb-consumer-complaint-volume.bib)
- Challenger Job Cut Announcements: [Markdown](https://pdf.americandefault.org/for-llms/pink-slips.md) · [JSON](https://americandefault.org/api/indicators/pink-slips.json) · [CSV](https://americandefault.org/api/downloads/pink-slips.csv) · [BibTeX](https://americandefault.org/citations/pink-slips.bib)
- Chapter 13 Bankruptcy Filings (YoY % Change): [Markdown](https://pdf.americandefault.org/for-llms/chapter-13-bankruptcy-filings-yoy-change.md) · [JSON](https://americandefault.org/api/indicators/chapter-13-bankruptcy-filings-yoy-change.json) · [CSV](https://americandefault.org/api/downloads/chapter-13-bankruptcy-filings-yoy-change.csv) · [BibTeX](https://americandefault.org/citations/chapter-13-bankruptcy-filings-yoy-change.bib)
- Chapter 7 Bankruptcy Filings (YoY % Change): [Markdown](https://pdf.americandefault.org/for-llms/chapter-7-bankruptcy-filings-yoy-change.md) · [JSON](https://americandefault.org/api/indicators/chapter-7-bankruptcy-filings-yoy-change.json) · [CSV](https://americandefault.org/api/downloads/chapter-7-bankruptcy-filings-yoy-change.csv) · [BibTeX](https://americandefault.org/citations/chapter-7-bankruptcy-filings-yoy-change.bib)
- Charge-Off Rate on All Loans: [Markdown](https://pdf.americandefault.org/for-llms/charge-off-rate-on-all-loans.md) · [JSON](https://americandefault.org/api/indicators/charge-off-rate-on-all-loans.json) · [CSV](https://americandefault.org/api/downloads/charge-off-rate-on-all-loans.csv) · [BibTeX](https://americandefault.org/citations/charge-off-rate-on-all-loans.bib)
- Charge-Off Rate on Credit Card Loans: [Markdown](https://pdf.americandefault.org/for-llms/charge-off-rate-on-credit-card-loans.md) · [JSON](https://americandefault.org/api/indicators/charge-off-rate-on-credit-card-loans.json) · [CSV](https://americandefault.org/api/downloads/charge-off-rate-on-credit-card-loans.csv) · [BibTeX](https://americandefault.org/citations/charge-off-rate-on-credit-card-loans.bib)
- Charge-Off Rate on Single-Family Residential Mortgages: [Markdown](https://pdf.americandefault.org/for-llms/charge-off-rate-on-single-family-residential-mortgages.md) · [JSON](https://americandefault.org/api/indicators/charge-off-rate-on-single-family-residential-mortgages.json) · [CSV](https://americandefault.org/api/downloads/charge-off-rate-on-single-family-residential-mortgages.csv) · [BibTeX](https://americandefault.org/citations/charge-off-rate-on-single-family-residential-mortgages.bib)
- Commercial Bank Interest Rate on Credit Card Plans: [Markdown](https://pdf.americandefault.org/for-llms/the-card-tax.md) · [JSON](https://americandefault.org/api/indicators/the-card-tax.json) · [CSV](https://americandefault.org/api/downloads/the-card-tax.csv) · [BibTeX](https://americandefault.org/citations/the-card-tax.bib)
- Conference Board Consumer Expectations Index: [Markdown](https://pdf.americandefault.org/for-llms/the-warning-light.md) · [JSON](https://americandefault.org/api/indicators/the-warning-light.json) · [CSV](https://americandefault.org/api/downloads/the-warning-light.csv) · [BibTeX](https://americandefault.org/citations/the-warning-light.bib)
- Continued Unemployment Claims (SA): [Markdown](https://pdf.americandefault.org/for-llms/continued-unemployment-claims-sa.md) · [JSON](https://americandefault.org/api/indicators/continued-unemployment-claims-sa.json) · [CSV](https://americandefault.org/api/downloads/continued-unemployment-claims-sa.csv) · [BibTeX](https://americandefault.org/citations/continued-unemployment-claims-sa.bib)
- CoreLogic Early-Stage Delinquency Transitions: [Markdown](https://pdf.americandefault.org/for-llms/first-missed.md) · [JSON](https://americandefault.org/api/indicators/first-missed.json) · [CSV](https://americandefault.org/api/downloads/first-missed.csv) · [BibTeX](https://americandefault.org/citations/first-missed.bib)
- County-Level Food Insecurity Rate: [Markdown](https://pdf.americandefault.org/for-llms/county-level-food-insecurity-rate.md) · [JSON](https://americandefault.org/api/indicators/county-level-food-insecurity-rate.json) · [CSV](https://americandefault.org/api/downloads/county-level-food-insecurity-rate.csv) · [BibTeX](https://americandefault.org/citations/county-level-food-insecurity-rate.bib)
- CPI Inflation Rate (All Items): [Markdown](https://pdf.americandefault.org/for-llms/cpi-inflation-rate-all-items.md) · [JSON](https://americandefault.org/api/indicators/cpi-inflation-rate-all-items.json) · [CSV](https://americandefault.org/api/downloads/cpi-inflation-rate-all-items.csv) · [BibTeX](https://americandefault.org/citations/cpi-inflation-rate-all-items.bib)
- Credit Card Delinquency Rate — Banks Outside Top 100: [Markdown](https://pdf.americandefault.org/for-llms/the-other-banks.md) · [JSON](https://americandefault.org/api/indicators/the-other-banks.json) · [CSV](https://americandefault.org/api/downloads/the-other-banks.csv) · [BibTeX](https://americandefault.org/citations/the-other-banks.bib)
- Delinquency Rate on Consumer Loans (ex credit card): [Markdown](https://pdf.americandefault.org/for-llms/delinquency-rate-on-consumer-loans-ex-credit-card.md) · [JSON](https://americandefault.org/api/indicators/delinquency-rate-on-consumer-loans-ex-credit-card.json) · [CSV](https://americandefault.org/api/downloads/delinquency-rate-on-consumer-loans-ex-credit-card.csv) · [BibTeX](https://americandefault.org/citations/delinquency-rate-on-consumer-loans-ex-credit-card.bib)
- Delinquency Rate on Credit Card Loans: [Markdown](https://pdf.americandefault.org/for-llms/the-late-fee.md) · [JSON](https://americandefault.org/api/indicators/the-late-fee.json) · [CSV](https://americandefault.org/api/downloads/the-late-fee.csv) · [BibTeX](https://americandefault.org/citations/the-late-fee.bib)
- Delinquency Rate on Single-Family Residential Mortgages (90+ days): [Markdown](https://pdf.americandefault.org/for-llms/delinquency-rate-on-single-family-residential-mortgages-90-days.md) · [JSON](https://americandefault.org/api/indicators/delinquency-rate-on-single-family-residential-mortgages-90-days.json) · [CSV](https://americandefault.org/api/downloads/delinquency-rate-on-single-family-residential-mortgages-90-days.csv) · [BibTeX](https://americandefault.org/citations/delinquency-rate-on-single-family-residential-mortgages-90-days.bib)
- Difficulty Paying Usual Household Expenses: [Markdown](https://pdf.americandefault.org/for-llms/the-pinch.md) · [JSON](https://americandefault.org/api/indicators/the-pinch.json) · [CSV](https://americandefault.org/api/downloads/the-pinch.csv) · [BibTeX](https://americandefault.org/citations/the-pinch.bib)
- Energy Cost Burden (Energy PCE as % of Disposable Income): [Markdown](https://pdf.americandefault.org/for-llms/the-energy-squeeze.md) · [JSON](https://americandefault.org/api/indicators/the-energy-squeeze.json) · [CSV](https://americandefault.org/api/downloads/the-energy-squeeze.csv) · [BibTeX](https://americandefault.org/citations/the-energy-squeeze.bib)
- Energy CPI (All Items): [Markdown](https://pdf.americandefault.org/for-llms/energy-cpi-all-items.md) · [JSON](https://americandefault.org/api/indicators/energy-cpi-all-items.json) · [CSV](https://americandefault.org/api/downloads/energy-cpi-all-items.csv) · [BibTeX](https://americandefault.org/citations/energy-cpi-all-items.bib)
- Equifax Monthly Credit Trends (Delinquency): [Markdown](https://pdf.americandefault.org/for-llms/the-60-day-line.md) · [JSON](https://americandefault.org/api/indicators/the-60-day-line.json) · [CSV](https://americandefault.org/api/downloads/the-60-day-line.csv) · [BibTeX](https://americandefault.org/citations/the-60-day-line.bib)
- FHA Mortgage Delinquency Rate: [Markdown](https://pdf.americandefault.org/for-llms/the-fha-signal.md) · [JSON](https://americandefault.org/api/indicators/the-fha-signal.json) · [CSV](https://americandefault.org/api/downloads/the-fha-signal.csv) · [BibTeX](https://americandefault.org/citations/the-fha-signal.bib)
- Financial Health Score (FHN FinHealth Survey): [Markdown](https://pdf.americandefault.org/for-llms/financial-health-score-fhn-finhealth-survey.md) · [JSON](https://americandefault.org/api/indicators/financial-health-score-fhn-finhealth-survey.json) · [CSV](https://americandefault.org/api/downloads/financial-health-score-fhn-finhealth-survey.csv) · [BibTeX](https://americandefault.org/citations/financial-health-score-fhn-finhealth-survey.bib)
- Financial Obligations Ratio: [Markdown](https://pdf.americandefault.org/for-llms/financial-obligations-ratio.md) · [JSON](https://americandefault.org/api/indicators/financial-obligations-ratio.json) · [CSV](https://americandefault.org/api/downloads/financial-obligations-ratio.csv) · [BibTeX](https://americandefault.org/citations/financial-obligations-ratio.bib)
- Food and Beverages CPI: [Markdown](https://pdf.americandefault.org/for-llms/food-and-beverages-cpi.md) · [JSON](https://americandefault.org/api/indicators/food-and-beverages-cpi.json) · [CSV](https://americandefault.org/api/downloads/food-and-beverages-cpi.csv) · [BibTeX](https://americandefault.org/citations/food-and-beverages-cpi.bib)
- Foreclosure Filings YoY Change: [Markdown](https://pdf.americandefault.org/for-llms/foreclosure-filings.md) · [JSON](https://americandefault.org/api/indicators/foreclosure-filings.json) · [CSV](https://americandefault.org/api/downloads/foreclosure-filings.csv) · [BibTeX](https://americandefault.org/citations/foreclosure-filings.bib)
- Foreclosure Starts vs Completions Ratio: [Markdown](https://pdf.americandefault.org/for-llms/the-pipeline.md) · [JSON](https://americandefault.org/api/indicators/the-pipeline.json) · [CSV](https://americandefault.org/api/downloads/the-pipeline.csv) · [BibTeX](https://americandefault.org/citations/the-pipeline.bib)
- Gas Affordability Ratio: [Markdown](https://pdf.americandefault.org/for-llms/the-pump-tax.md) · [JSON](https://americandefault.org/api/indicators/the-pump-tax.json) · [CSV](https://americandefault.org/api/downloads/the-pump-tax.csv) · [BibTeX](https://americandefault.org/citations/the-pump-tax.bib)
- Google Search Interest: Financial Distress: [Markdown](https://pdf.americandefault.org/for-llms/the-search-signal.md) · [JSON](https://americandefault.org/api/indicators/the-search-signal.json) · [CSV](https://americandefault.org/api/downloads/the-search-signal.csv) · [BibTeX](https://americandefault.org/citations/the-search-signal.bib)
- Grocery Affordability Gap (AHE YoY minus Food-at-Home CPI YoY): [Markdown](https://pdf.americandefault.org/for-llms/the-grocery-gap.md) · [JSON](https://americandefault.org/api/indicators/the-grocery-gap.json) · [CSV](https://americandefault.org/api/downloads/the-grocery-gap.csv) · [BibTeX](https://americandefault.org/citations/the-grocery-gap.bib)
- Grocery Prices Cumulative Change Since Jan 2020: [Markdown](https://pdf.americandefault.org/for-llms/grocery-prices-cumulative-change-since-jan-2020.md) · [JSON](https://americandefault.org/api/indicators/grocery-prices-cumulative-change-since-jan-2020.json) · [CSV](https://americandefault.org/api/downloads/grocery-prices-cumulative-change-since-jan-2020.csv) · [BibTeX](https://americandefault.org/citations/grocery-prices-cumulative-change-since-jan-2020.bib)
- Healthcare Inflation Premium (Medical CPI minus Overall CPI): [Markdown](https://pdf.americandefault.org/for-llms/healthcare-inflation-premium-medical-cpi-minus-overall-cpi.md) · [JSON](https://americandefault.org/api/indicators/healthcare-inflation-premium-medical-cpi-minus-overall-cpi.json) · [CSV](https://americandefault.org/api/downloads/healthcare-inflation-premium-medical-cpi-minus-overall-cpi.csv) · [BibTeX](https://americandefault.org/citations/healthcare-inflation-premium-medical-cpi-minus-overall-cpi.bib)
- HELOC Balance Growth: [Markdown](https://pdf.americandefault.org/for-llms/heloc-balance-growth.md) · [JSON](https://americandefault.org/api/indicators/heloc-balance-growth.json) · [CSV](https://americandefault.org/api/downloads/heloc-balance-growth.csv) · [BibTeX](https://americandefault.org/citations/heloc-balance-growth.bib)
- Household Debt Service Ratio: [Markdown](https://pdf.americandefault.org/for-llms/debt-service.md) · [JSON](https://americandefault.org/api/indicators/debt-service.json) · [CSV](https://americandefault.org/api/downloads/debt-service.csv) · [BibTeX](https://americandefault.org/citations/debt-service.bib)
- Household Tariff Burden (Estimated Tariff Cost as % of Disposable Income): [Markdown](https://pdf.americandefault.org/for-llms/the-import-tax.md) · [JSON](https://americandefault.org/api/indicators/the-import-tax.json) · [CSV](https://americandefault.org/api/downloads/the-import-tax.csv) · [BibTeX](https://americandefault.org/citations/the-import-tax.bib)
- Indeed Job Postings Index (US): [Markdown](https://pdf.americandefault.org/for-llms/indeed-job-postings-index-us.md) · [JSON](https://americandefault.org/api/indicators/indeed-job-postings-index-us.json) · [CSV](https://americandefault.org/api/downloads/indeed-job-postings-index-us.csv) · [BibTeX](https://americandefault.org/citations/indeed-job-postings-index-us.bib)
- Information Sector Job Openings (NAICS 51): [Markdown](https://pdf.americandefault.org/for-llms/the-tech-drought.md) · [JSON](https://americandefault.org/api/indicators/the-tech-drought.json) · [CSV](https://americandefault.org/api/downloads/the-tech-drought.csv) · [BibTeX](https://americandefault.org/citations/the-tech-drought.bib)
- Initial Unemployment Claims (SA): [Markdown](https://pdf.americandefault.org/for-llms/initial-unemployment-claims-sa.md) · [JSON](https://americandefault.org/api/indicators/initial-unemployment-claims-sa.json) · [CSV](https://americandefault.org/api/downloads/initial-unemployment-claims-sa.csv) · [BibTeX](https://americandefault.org/citations/initial-unemployment-claims-sa.bib)
- JOLTS Quits Rate: [Markdown](https://pdf.americandefault.org/for-llms/jolts-quits-rate.md) · [JSON](https://americandefault.org/api/indicators/jolts-quits-rate.json) · [CSV](https://americandefault.org/api/downloads/jolts-quits-rate.csv) · [BibTeX](https://americandefault.org/citations/jolts-quits-rate.bib)
- Large vs Small Bank Credit Card Delinquency Spread: [Markdown](https://pdf.americandefault.org/for-llms/large-vs-small-bank-credit-card-delinquency-spread.md) · [JSON](https://americandefault.org/api/indicators/large-vs-small-bank-credit-card-delinquency-spread.json) · [CSV](https://americandefault.org/api/downloads/large-vs-small-bank-credit-card-delinquency-spread.csv) · [BibTeX](https://americandefault.org/citations/large-vs-small-bank-credit-card-delinquency-spread.bib)
- Lower-Income Wage Growth vs. Inflation Gap: [Markdown](https://pdf.americandefault.org/for-llms/the-k-shape.md) · [JSON](https://americandefault.org/api/indicators/the-k-shape.json) · [CSV](https://americandefault.org/api/downloads/the-k-shape.csv) · [BibTeX](https://americandefault.org/citations/the-k-shape.bib)
- Median Sales Price of Houses Sold (US): [Markdown](https://pdf.americandefault.org/for-llms/median-sales-price-of-houses-sold-us.md) · [JSON](https://americandefault.org/api/indicators/median-sales-price-of-houses-sold-us.json) · [CSV](https://americandefault.org/api/downloads/median-sales-price-of-houses-sold-us.csv) · [BibTeX](https://americandefault.org/citations/median-sales-price-of-houses-sold-us.bib)
- Medicaid / CHIP Enrollment (Monthly): [Markdown](https://pdf.americandefault.org/for-llms/medicaid-chip-enrollment-monthly.md) · [JSON](https://americandefault.org/api/indicators/medicaid-chip-enrollment-monthly.json) · [CSV](https://americandefault.org/api/downloads/medicaid-chip-enrollment-monthly.csv) · [BibTeX](https://americandefault.org/citations/medicaid-chip-enrollment-monthly.bib)
- Medical Care CPI: [Markdown](https://pdf.americandefault.org/for-llms/medical-care-cpi.md) · [JSON](https://americandefault.org/api/indicators/medical-care-cpi.json) · [CSV](https://americandefault.org/api/downloads/medical-care-cpi.csv) · [BibTeX](https://americandefault.org/citations/medical-care-cpi.bib)
- Mortgage Debt Service Ratio: [Markdown](https://pdf.americandefault.org/for-llms/mortgage-debt-service-ratio.md) · [JSON](https://americandefault.org/api/indicators/mortgage-debt-service-ratio.json) · [CSV](https://americandefault.org/api/downloads/mortgage-debt-service-ratio.csv) · [BibTeX](https://americandefault.org/citations/mortgage-debt-service-ratio.bib)
- Mortgage Origination Volume: [Markdown](https://pdf.americandefault.org/for-llms/mortgage-origination-volume.md) · [JSON](https://americandefault.org/api/indicators/mortgage-origination-volume.json) · [CSV](https://americandefault.org/api/downloads/mortgage-origination-volume.csv) · [BibTeX](https://americandefault.org/citations/mortgage-origination-volume.bib)
- Motor Vehicle Insurance CPI: [Markdown](https://pdf.americandefault.org/for-llms/motor-vehicle-insurance-cpi.md) · [JSON](https://americandefault.org/api/indicators/motor-vehicle-insurance-cpi.json) · [CSV](https://americandefault.org/api/downloads/motor-vehicle-insurance-cpi.csv) · [BibTeX](https://americandefault.org/citations/motor-vehicle-insurance-cpi.bib)
- NFCI Non-Financial Leverage Subindex: [Markdown](https://pdf.americandefault.org/for-llms/the-tightening.md) · [JSON](https://americandefault.org/api/indicators/the-tightening.json) · [CSV](https://americandefault.org/api/downloads/the-tightening.csv) · [BibTeX](https://americandefault.org/citations/the-tightening.bib)
- NMHC Rent Payment Tracker: [Markdown](https://pdf.americandefault.org/for-llms/nmhc-rent-payment-tracker.md) · [JSON](https://americandefault.org/api/indicators/nmhc-rent-payment-tracker.json) · [CSV](https://americandefault.org/api/downloads/nmhc-rent-payment-tracker.csv) · [BibTeX](https://americandefault.org/citations/nmhc-rent-payment-tracker.bib)
- Part-Time for Economic Reasons: [Markdown](https://pdf.americandefault.org/for-llms/part-time-for-economic-reasons.md) · [JSON](https://americandefault.org/api/indicators/part-time-for-economic-reasons.json) · [CSV](https://americandefault.org/api/downloads/part-time-for-economic-reasons.csv) · [BibTeX](https://americandefault.org/citations/part-time-for-economic-reasons.bib)
- Personal Saving Rate: [Markdown](https://pdf.americandefault.org/for-llms/the-buffer.md) · [JSON](https://americandefault.org/api/indicators/the-buffer.json) · [CSV](https://americandefault.org/api/downloads/the-buffer.csv) · [BibTeX](https://americandefault.org/citations/the-buffer.bib)
- Prescription Drug CPI: [Markdown](https://pdf.americandefault.org/for-llms/prescription-drug-cpi.md) · [JSON](https://americandefault.org/api/indicators/prescription-drug-cpi.json) · [CSV](https://americandefault.org/api/downloads/prescription-drug-cpi.csv) · [BibTeX](https://americandefault.org/citations/prescription-drug-cpi.bib)
- Revolving Credit Utilization (75th Percentile): [Markdown](https://pdf.americandefault.org/for-llms/revolving-credit-utilization-75th-percentile.md) · [JSON](https://americandefault.org/api/indicators/revolving-credit-utilization-75th-percentile.json) · [CSV](https://americandefault.org/api/downloads/revolving-credit-utilization-75th-percentile.csv) · [BibTeX](https://americandefault.org/citations/revolving-credit-utilization-75th-percentile.bib)
- Senior Loan Officer Survey: Banks Tightening Standards: [Markdown](https://pdf.americandefault.org/for-llms/senior-loan-officer-survey-banks-tightening-standards.md) · [JSON](https://americandefault.org/api/indicators/senior-loan-officer-survey-banks-tightening-standards.json) · [CSV](https://americandefault.org/api/downloads/senior-loan-officer-survey-banks-tightening-standards.csv) · [BibTeX](https://americandefault.org/citations/senior-loan-officer-survey-banks-tightening-standards.bib)
- Serious Delinquency Rate (90+ days, All Loan Types): [Markdown](https://pdf.americandefault.org/for-llms/serious-delinquency-rate-90-days-all-loan-types.md) · [JSON](https://americandefault.org/api/indicators/serious-delinquency-rate-90-days-all-loan-types.json) · [CSV](https://americandefault.org/api/downloads/serious-delinquency-rate-90-days-all-loan-types.csv) · [BibTeX](https://americandefault.org/citations/serious-delinquency-rate-90-days-all-loan-types.bib)
- Share of Adults Skipping Bill Payments: [Markdown](https://pdf.americandefault.org/for-llms/the-skip-rate.md) · [JSON](https://americandefault.org/api/indicators/the-skip-rate.json) · [CSV](https://americandefault.org/api/downloads/the-skip-rate.csv) · [BibTeX](https://americandefault.org/citations/the-skip-rate.bib)
- Share of Americans Living Paycheck to Paycheck: [Markdown](https://pdf.americandefault.org/for-llms/the-squeeze.md) · [JSON](https://americandefault.org/api/indicators/the-squeeze.json) · [CSV](https://americandefault.org/api/downloads/the-squeeze.csv) · [BibTeX](https://americandefault.org/citations/the-squeeze.bib)
- SHED Emergency Savings Survey: [Markdown](https://pdf.americandefault.org/for-llms/the-400-test.md) · [JSON](https://americandefault.org/api/indicators/the-400-test.json) · [CSV](https://americandefault.org/api/downloads/the-400-test.csv) · [BibTeX](https://americandefault.org/citations/the-400-test.bib)
- Shelter CPI: [Markdown](https://pdf.americandefault.org/for-llms/shelter-cpi.md) · [JSON](https://americandefault.org/api/indicators/shelter-cpi.json) · [CSV](https://americandefault.org/api/downloads/shelter-cpi.csv) · [BibTeX](https://americandefault.org/citations/shelter-cpi.bib)
- SNAP (Food Stamp) Enrollment: [Markdown](https://pdf.americandefault.org/for-llms/snap-food-stamp-enrollment.md) · [JSON](https://americandefault.org/api/indicators/snap-food-stamp-enrollment.json) · [CSV](https://americandefault.org/api/downloads/snap-food-stamp-enrollment.csv) · [BibTeX](https://americandefault.org/citations/snap-food-stamp-enrollment.bib)
- States with Credit Card Delinquency Above 10%: [Markdown](https://pdf.americandefault.org/for-llms/the-spread.md) · [JSON](https://americandefault.org/api/indicators/the-spread.json) · [CSV](https://americandefault.org/api/downloads/the-spread.csv) · [BibTeX](https://americandefault.org/citations/the-spread.bib)
- Student Loan Delinquency Rate (90+ days): [Markdown](https://pdf.americandefault.org/for-llms/student-loan-delinquency-rate-90-days.md) · [JSON](https://americandefault.org/api/indicators/student-loan-delinquency-rate-90-days.json) · [CSV](https://americandefault.org/api/downloads/student-loan-delinquency-rate-90-days.csv) · [BibTeX](https://americandefault.org/citations/student-loan-delinquency-rate-90-days.bib)
- Student Loan Payment Burden (% of Discretionary Income): [Markdown](https://pdf.americandefault.org/for-llms/student-loan-payment-burden-of-discretionary-income.md) · [JSON](https://americandefault.org/api/indicators/student-loan-payment-burden-of-discretionary-income.json) · [CSV](https://americandefault.org/api/downloads/student-loan-payment-burden-of-discretionary-income.csv) · [BibTeX](https://americandefault.org/citations/student-loan-payment-burden-of-discretionary-income.bib)
- Top vs Bottom Income Quartile Spending Gap: [Markdown](https://pdf.americandefault.org/for-llms/the-divergence.md) · [JSON](https://americandefault.org/api/indicators/the-divergence.json) · [CSV](https://americandefault.org/api/downloads/the-divergence.csv) · [BibTeX](https://americandefault.org/citations/the-divergence.bib)
- Total Consumer Credit Outstanding: [Markdown](https://pdf.americandefault.org/for-llms/total-consumer-credit-outstanding.md) · [JSON](https://americandefault.org/api/indicators/total-consumer-credit-outstanding.json) · [CSV](https://americandefault.org/api/downloads/total-consumer-credit-outstanding.csv) · [BibTeX](https://americandefault.org/citations/total-consumer-credit-outstanding.bib)
- Total Credit Card Debt Outstanding: [Markdown](https://pdf.americandefault.org/for-llms/plastic-ceiling.md) · [JSON](https://americandefault.org/api/indicators/plastic-ceiling.json) · [CSV](https://americandefault.org/api/downloads/plastic-ceiling.csv) · [BibTeX](https://americandefault.org/citations/plastic-ceiling.bib)
- Total Delinquency Rate (All Loan Types): [Markdown](https://pdf.americandefault.org/for-llms/falling-behind.md) · [JSON](https://americandefault.org/api/indicators/falling-behind.json) · [CSV](https://americandefault.org/api/downloads/falling-behind.csv) · [BibTeX](https://americandefault.org/citations/falling-behind.bib)
- Total Household Debt: [Markdown](https://pdf.americandefault.org/for-llms/total-household-debt.md) · [JSON](https://americandefault.org/api/indicators/total-household-debt.json) · [CSV](https://americandefault.org/api/downloads/total-household-debt.csv) · [BibTeX](https://americandefault.org/citations/total-household-debt.bib)
- Total Nonfarm Payrolls: [Markdown](https://pdf.americandefault.org/for-llms/total-nonfarm-payrolls.md) · [JSON](https://americandefault.org/api/indicators/total-nonfarm-payrolls.json) · [CSV](https://americandefault.org/api/downloads/total-nonfarm-payrolls.csv) · [BibTeX](https://americandefault.org/citations/total-nonfarm-payrolls.bib)
- Total Revolving Credit Outstanding: [Markdown](https://pdf.americandefault.org/for-llms/total-revolving-credit-outstanding.md) · [JSON](https://americandefault.org/api/indicators/total-revolving-credit-outstanding.json) · [CSV](https://americandefault.org/api/downloads/total-revolving-credit-outstanding.csv) · [BibTeX](https://americandefault.org/citations/total-revolving-credit-outstanding.bib)
- TransUnion Subprime Auto/Card Originations: [Markdown](https://pdf.americandefault.org/for-llms/the-risk-reset.md) · [JSON](https://americandefault.org/api/indicators/the-risk-reset.json) · [CSV](https://americandefault.org/api/downloads/the-risk-reset.csv) · [BibTeX](https://americandefault.org/citations/the-risk-reset.bib)
- U-6 Underemployment Rate: [Markdown](https://pdf.americandefault.org/for-llms/u-6-underemployment-rate.md) · [JSON](https://americandefault.org/api/indicators/u-6-underemployment-rate.json) · [CSV](https://americandefault.org/api/downloads/u-6-underemployment-rate.csv) · [BibTeX](https://americandefault.org/citations/u-6-underemployment-rate.bib)
- Unbanked / Underbanked Household Rate: [Markdown](https://pdf.americandefault.org/for-llms/unbanked-underbanked-household-rate.md) · [JSON](https://americandefault.org/api/indicators/unbanked-underbanked-household-rate.json) · [CSV](https://americandefault.org/api/downloads/unbanked-underbanked-household-rate.csv) · [BibTeX](https://americandefault.org/citations/unbanked-underbanked-household-rate.bib)
- Unemployment Rate: [Markdown](https://pdf.americandefault.org/for-llms/unemployment-rate.md) · [JSON](https://americandefault.org/api/indicators/unemployment-rate.json) · [CSV](https://americandefault.org/api/downloads/unemployment-rate.csv) · [BibTeX](https://americandefault.org/citations/unemployment-rate.bib)
- University of Michigan Consumer Sentiment Index: [Markdown](https://pdf.americandefault.org/for-llms/the-mood-ring.md) · [JSON](https://americandefault.org/api/indicators/the-mood-ring.json) · [CSV](https://americandefault.org/api/downloads/the-mood-ring.csv) · [BibTeX](https://americandefault.org/citations/the-mood-ring.bib)
- Utility Service Disconnections: [Markdown](https://pdf.americandefault.org/for-llms/utility-service-disconnections.md) · [JSON](https://americandefault.org/api/indicators/utility-service-disconnections.json) · [CSV](https://americandefault.org/api/downloads/utility-service-disconnections.csv) · [BibTeX](https://americandefault.org/citations/utility-service-disconnections.bib)
- Vanguard Hardship Withdrawal Rate: [Markdown](https://pdf.americandefault.org/for-llms/the-cannibalization-rate.md) · [JSON](https://americandefault.org/api/indicators/the-cannibalization-rate.json) · [CSV](https://americandefault.org/api/downloads/the-cannibalization-rate.csv) · [BibTeX](https://americandefault.org/citations/the-cannibalization-rate.bib)
- Wage Growth vs CPI Spread: [Markdown](https://pdf.americandefault.org/for-llms/wage-growth-vs-cpi-spread.md) · [JSON](https://americandefault.org/api/indicators/wage-growth-vs-cpi-spread.json) · [CSV](https://americandefault.org/api/downloads/wage-growth-vs-cpi-spread.csv) · [BibTeX](https://americandefault.org/citations/wage-growth-vs-cpi-spread.bib)
- WARN Act Layoff Notices (Monthly): [Markdown](https://pdf.americandefault.org/for-llms/warn-act-layoff-notices-monthly.md) · [JSON](https://americandefault.org/api/indicators/warn-act-layoff-notices-monthly.json) · [CSV](https://americandefault.org/api/downloads/warn-act-layoff-notices-monthly.csv) · [BibTeX](https://americandefault.org/citations/warn-act-layoff-notices-monthly.bib)
- Youth Unemployment Rate (16-24): [Markdown](https://pdf.americandefault.org/for-llms/youth-unemployment-rate-16-24.md) · [JSON](https://americandefault.org/api/indicators/youth-unemployment-rate-16-24.json) · [CSV](https://americandefault.org/api/downloads/youth-unemployment-rate-16-24.csv) · [BibTeX](https://americandefault.org/citations/youth-unemployment-rate-16-24.bib)

## Data Source Pages (39 sources)

Each source page lists all indicators drawn from that source, FRED/BLS series IDs, update automation, and attribution.

- [All Sources](https://americandefault.org/sources/): Index of all 39 data sources
- [Federal Reserve](https://americandefault.org/sources/federal-reserve/): 16 indicators — The Federal Reserve Board of Governors publishes bank supervision data, the Survey of Consumer Finances, the Senior Loan...
- [Bureau of Labor Statistics](https://americandefault.org/sources/bls/): 14 indicators — The BLS produces the Consumer Price Index, employment situation reports, JOLTS, and wage data that drive the ADI's Cost ...
- [U.S. Census Bureau](https://americandefault.org/sources/census/): 4 indicators — The Census Bureau conducts the Household Pulse Survey and Business Trends and Outlook Survey, providing real-time measur...
- [U.S. Courts](https://americandefault.org/sources/us-courts/): 4 indicators — The Administrative Office of the U.S. Courts publishes quarterly bankruptcy filing statistics — the foundation for the A...
- [Department of Labor](https://americandefault.org/sources/department-of-labor/): 2 indicators — The Department of Labor publishes initial and continuing unemployment claims — the ADI's primary measure of income disru...
- [Consumer Financial Protection Bureau](https://americandefault.org/sources/cfpb/): 2 indicators — The CFPB publishes consumer credit market reports, complaint data, and financial well-being indices used to track househ...
- [Bureau of Economic Analysis](https://americandefault.org/sources/bea/): 1 indicator — The BEA produces national income and product accounts including the personal savings rate and disposable personal income...
- [USDA](https://americandefault.org/sources/usda/): 1 indicator — The USDA Food and Nutrition Service administers SNAP (food stamps) and publishes enrollment data that tracks household f...
- [Department of Housing and Urban Development](https://americandefault.org/sources/hud/): 1 indicator — HUD publishes the Annual Homeless Assessment Report, providing point-in-time counts of homelessness — the most severe ou...
- [Energy Information Administration](https://americandefault.org/sources/eia/): 1 indicator — The EIA publishes energy price data and utility disconnection statistics that feed the ADI's Cost Pressure indicators.
- [Department of Education](https://americandefault.org/sources/department-of-education/): 1 indicator — The Department of Education's Federal Student Aid office publishes student loan portfolio data including delinquency and...
- [Centers for Medicare & Medicaid Services](https://americandefault.org/sources/cms/): 1 indicator — CMS publishes monthly Medicaid and CHIP enrollment data — a countercyclical indicator that rises as household financial ...
- [FDIC](https://americandefault.org/sources/fdic/): 1 indicator — The FDIC conducts the National Survey of Unbanked and Underbanked Households, measuring financial exclusion as an indica...
- [Federal Reserve Bank of New York](https://americandefault.org/sources/ny-fed/): 10 indicators — The NY Fed publishes the Quarterly Report on Household Debt and Credit, the Consumer Credit Panel (with Equifax), and co...
- [Federal Reserve Bank of Chicago](https://americandefault.org/sources/chicago-fed/): 1 indicator — The Chicago Fed publishes the National Financial Conditions Index (NFCI), whose leverage subindex measures credit market...
- [Federal Reserve Bank of Atlanta](https://americandefault.org/sources/atlanta-fed/): 1 indicator — The Atlanta Fed produces the Wage Growth Tracker, used in the ADI's Cost Pressure component to measure whether wages are...
- [Federal Reserve Bank of Philadelphia](https://americandefault.org/sources/philadelphia-fed/): 1 indicator — The Philadelphia Fed conducts the LIFE Survey (Labor, Income, Fiscal & Expectations), providing household-level data on ...
- [ATTOM Data Solutions](https://americandefault.org/sources/attom/): 2 indicators — ATTOM publishes monthly foreclosure filing data including pre-foreclosure notices, scheduled auctions, and bank reposses...
- [Vanguard](https://americandefault.org/sources/vanguard/): 2 indicators — Vanguard's annual How America Saves report and hardship withdrawal data track retirement account stress — a leading indi...
- [Challenger, Gray & Christmas](https://americandefault.org/sources/challenger/): 2 indicators — Challenger publishes monthly job cut announcements and tracks layoffs by industry — an early warning indicator for labor...
- [Bank of America Institute](https://americandefault.org/sources/bank-of-america-institute/): 2 indicators — The Bank of America Institute publishes anonymized transaction data on consumer spending and savings behavior, providing...
- [Indeed](https://americandefault.org/sources/indeed/): 2 indicators — Indeed publishes job posting data and hiring trends that provide real-time measures of labor market demand, complementin...
- [CoreLogic / Cotality](https://americandefault.org/sources/corelogic/): 1 indicator — CoreLogic (now Cotality) publishes monthly mortgage performance data including early-stage delinquency and home price in...
- [Mortgage Bankers Association](https://americandefault.org/sources/mba/): 1 indicator — The MBA publishes the National Delinquency Survey, the industry's primary quarterly measure of mortgage delinquency by l...
- [TransUnion](https://americandefault.org/sources/transunion/): 1 indicator — TransUnion publishes quarterly credit industry insights including delinquency rates by loan type from their consumer cre...
- [Equifax](https://americandefault.org/sources/equifax/): 1 indicator — Equifax publishes monthly consumer credit data and partners with the NY Fed on the Consumer Credit Panel, providing gran...
- [The Conference Board](https://americandefault.org/sources/conference-board/): 1 indicator — The Conference Board publishes the Consumer Confidence Index, measuring household expectations about business conditions...
- [Google Trends](https://americandefault.org/sources/google-trends/): 1 indicator — Google Trends data measures search interest in financial distress terms, providing a real-time behavioral signal of hous...
- [National Multifamily Housing Council](https://americandefault.org/sources/nmhc/): 1 indicator — NMHC publishes the Rent Payment Tracker, measuring the share of apartment households making full or partial rent payment...
- [Bankrate](https://americandefault.org/sources/bankrate/): 1 indicator — Bankrate's annual Emergency Savings Report tracks the share of Americans with adequate emergency savings — a direct meas...
- [American Bankers Association](https://americandefault.org/sources/aba/): 1 indicator — The ABA publishes quarterly reports on consumer credit delinquency across bank portfolios.
- [WARNTracker](https://americandefault.org/sources/warn-tracker/): 1 indicator — WARNTracker aggregates Worker Adjustment and Retraining Notification (WARN) Act filings from state departments of labor,...
- [University of Michigan](https://americandefault.org/sources/university-of-michigan/): 1 indicator — The University of Michigan's Surveys of Consumers produce the Consumer Sentiment Index, a long-running measure of househ...
- [METR](https://americandefault.org/sources/metr/): 1 indicator — METR (Model Evaluation & Threat Research) publishes AI capability benchmarks used in the American Worker Index to track ...
- [Feeding America](https://americandefault.org/sources/feeding-america/): 1 indicator — Feeding America's Map the Meal Gap study provides county-level food insecurity estimates, measuring how many households ...
- [Financial Health Network](https://americandefault.org/sources/financial-health-network/): 1 indicator — The Financial Health Network conducts an annual survey measuring household financial health across spending, saving, bor...
- [Opportunity Insights](https://americandefault.org/sources/opportunity-insights/): 1 indicator — Opportunity Insights (Harvard/Brown) publishes the Economic Tracker with high-frequency data on consumer spending, small...
- [Yale Budget Lab](https://americandefault.org/sources/yale-budget-lab/): 1 indicator — The Yale Budget Lab analyzes fiscal policy impacts including tariff burden estimates as a share of household disposable ...
- [Computed / Derived Indicators](https://americandefault.org/sources/computed-indicators/): 8 indicators — Several ADI indicators are computed from combinations of upstream data sources — for example, the real wage gap (BLS wag...

## Mortgage Servicer Profiles (76)

CFPB complaint records, enforcement history, litigation data, demand letter templates,
and contact information for the largest U.S. mortgage servicers.

- [All Servicers](https://americandefault.org/servicers/): Directory of 76 mortgage servicers
- [21st Mortgage](https://americandefault.org/servicers/21st-mortgage/)
- [AmeriHome Mortgage](https://americandefault.org/servicers/amerihome-mortgage/)
- [AmeriSave Mortgage](https://americandefault.org/servicers/amerisave-mortgage/)
- [Arvest Bank](https://americandefault.org/servicers/arvest-bank-group/)
- [Banco Popular de Puerto Rico](https://americandefault.org/servicers/banco-popular-de-puerto-rico/)
- [Bank of America](https://americandefault.org/servicers/bank-of-america-national-association/)
- [BB&T (Historical)](https://americandefault.org/servicers/bb-t/)
- [BBVA USA (Historical)](https://americandefault.org/servicers/bbva-financial/)
- [BMO Bank](https://americandefault.org/servicers/bmo-bank-n-a/)
- [BSI Financial](https://americandefault.org/servicers/bsi-financial-holdings/)
- [Caliber Home Loans (Historical)](https://americandefault.org/servicers/caliber-home-loans/)
- [Capital One](https://americandefault.org/servicers/capital-one-financial/)
- [Cardinal Financial](https://americandefault.org/servicers/cardinal-financial-company-limited-partnership/)
- [Carrington Mortgage](https://americandefault.org/servicers/carrington-mortgage-services/)
- [CIT Bank (Historical)](https://americandefault.org/servicers/cit-bank-national-association/)
- [Citibank](https://americandefault.org/servicers/citibank-n-a/)
- [Citizens Financial](https://americandefault.org/servicers/citizens-financial-group/)
- [CMG Financial](https://americandefault.org/servicers/cmg/)
- [Community Loan Servicing](https://americandefault.org/servicers/community-loan-servicing/)
- [CrossCountry Mortgage](https://americandefault.org/servicers/crosscountry-mortgage/)
- [Ditech Financial (Historical)](https://americandefault.org/servicers/ditech-financial/)
- [Dovenmuehle Mortgage](https://americandefault.org/servicers/dovenmuehle-mortgage/)
- [EverBank](https://americandefault.org/servicers/everbank-national-association/)
- [Fay Servicing](https://americandefault.org/servicers/fay-servicing/)
- [Fifth Third Bank](https://americandefault.org/servicers/fifth-third-financial/)
- [Flagstar Bank](https://americandefault.org/servicers/flagstar-bank-n-a/)
- [Freedom Mortgage](https://americandefault.org/servicers/freedom-mortgage/)
- [Guaranteed Rate](https://americandefault.org/servicers/guaranteed-rate/)
- [Guild Mortgage](https://americandefault.org/servicers/guild-holdings/)
- [Homepoint (Historical)](https://americandefault.org/servicers/home-point-financial/)
- [HSBC North America (Historical)](https://americandefault.org/servicers/hsbc-north-america-holdings/)
- [Huntington Bank](https://americandefault.org/servicers/huntington-national-bank-the/)
- [JPMorgan Chase](https://americandefault.org/servicers/jpmorgan-chase-co/)
- [KeyBank](https://americandefault.org/servicers/keycorp/)
- [Lakeview Loan Servicing](https://americandefault.org/servicers/lakeview-loan-servicing/)
- [LoanCare](https://americandefault.org/servicers/loancare/)
- [loanDepot](https://americandefault.org/servicers/ld-holdings-group/)
- [M&T Bank](https://americandefault.org/servicers/m-t-bank/)
- [MidFirst Bank](https://americandefault.org/servicers/midfirst-bank/)
- [Mr. Cooper](https://americandefault.org/servicers/mr-cooper-group/)
- [Nationstar Mortgage](https://americandefault.org/servicers/nationstar-mortgage/)
- [Navy Federal Credit Union](https://americandefault.org/servicers/navy-federal-credit-union/)
- [New American Funding](https://americandefault.org/servicers/broker-solutions/)
- [NYCB / Flagstar Financial (Historical)](https://americandefault.org/servicers/new-york-community-bancorp/)
- [Ocwen / Onity Group](https://americandefault.org/servicers/ocwen-financial/)
- [PenFed Credit Union](https://americandefault.org/servicers/pentagon-federal-credit-union/)
- [PennyMac](https://americandefault.org/servicers/pennymac-loan-services/)
- [PHH Mortgage](https://americandefault.org/servicers/phh-mortgage-services/)
- [Planet Home Lending](https://americandefault.org/servicers/planet-home-lending/)
- [PNC Bank](https://americandefault.org/servicers/pnc-bank-n-a/)
- [Real Time Resolutions](https://americandefault.org/servicers/real-time-group/)
- [Regions Bank](https://americandefault.org/servicers/regions-financial/)
- [Residential Credit Solutions (Historical)](https://americandefault.org/servicers/residential-credit-solutions/)
- [Reverse Mortgage Solutions](https://americandefault.org/servicers/reverse-mortgage-solutions/)
- [Rocket Mortgage](https://americandefault.org/servicers/rocket-mortgage/)
- [RoundPoint Mortgage](https://americandefault.org/servicers/roundpoint-mortgage-servicing/)
- [Rushmore Loan Management](https://americandefault.org/servicers/rushmore-loan-management-services/)
- [Santander Bank](https://americandefault.org/servicers/santander-bank-national-association/)
- [Select Portfolio Servicing](https://americandefault.org/servicers/select-portfolio-servicing/)
- [Selene Finance](https://americandefault.org/servicers/selene-finance/)
- [ServiceMac](https://americandefault.org/servicers/servis-one-inc-titusville-pa-branch/)
- [Seterus (Historical)](https://americandefault.org/servicers/seterus/)
- [Shellpoint / NewRez](https://americandefault.org/servicers/shellpoint-partners/)
- [SN Servicing](https://americandefault.org/servicers/sn-servicing/)
- [Specialized Loan Servicing](https://americandefault.org/servicers/specialized-loan-servicing-holdings/)
- [Statebridge Company](https://americandefault.org/servicers/statebridge/)
- [SunTrust Banks (Historical)](https://americandefault.org/servicers/suntrust-banks/)
- [TD Bank](https://americandefault.org/servicers/td-bank-us-holding/)
- [The Money Source (TMS)](https://americandefault.org/servicers/money-source-inc-the/)
- [Truist Financial](https://americandefault.org/servicers/truist-financial/)
- [U.S. Bank](https://americandefault.org/servicers/u-s-bancorp/)
- [United Wholesale Mortgage (UWM)](https://americandefault.org/servicers/united-shore/)
- [USAA](https://americandefault.org/servicers/united-services-automobile-association/)
- [Vanderbilt Mortgage](https://americandefault.org/servicers/vanderbilt-mortgage-finance/)
- [Village Capital](https://americandefault.org/servicers/village-capital-investment/)
- [Wells Fargo](https://americandefault.org/servicers/wells-fargo/)

## Contact

americandefault.org