Our Data Sources

American Default tracks indicators using data from U.S. Bureau of Labor Statistics, including CPI Inflation Rate (All Items), Energy Price Inflation (CPI), and Food Price Inflation (CPI). This page links to the indicators and the source website.

U.S. Bureau of Labor Statistics data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly, quarterly, annual.

The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.

U.S. Bureau of Labor Statistics data feeds into Labor. 1 indicator from this source is in the ADI composite calculation.

American Default tracks indicators using data from Board of Governors of the Federal Reserve System, including Bottom-Half Share of Household Wealth, Charge-Off Rate on All Loans, and Charge-Off Rate on Credit Card Loans. This page links to the indicators and the source website.

Board of Governors of the Federal Reserve System data is updated automatically by our daily pipeline. Observation frequency varies by indicator: quarterly, annual, monthly.

The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.

Board of Governors of the Federal Reserve System data feeds into Default & Legal, Delinquency, Debt Burden. 6 indicators from this source are in the ADI composite calculation.

American Default tracks indicators using data from Federal Housing Finance Agency, including Fannie Mae and Freddie Mac Loans in Forbearance, Foreclosure Prevention Actions Completed, Fannie Mae and Freddie Mac Loans, and Foreclosure Starts, Fannie Mae and Freddie Mac Loans. This page links to the indicators and the source website.

Federal Housing Finance Agency data is parsed from the source's published reports via the Claude API for some indicators and updated automatically by our daily pipeline for the others. Observation frequency varies by indicator: monthly, quarterly.

The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions. This product uses FHFA data but is neither endorsed nor certified by FHFA.

Federal Housing Finance Agency indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks indicators using data from U.S. Census Bureau, including Business AI Adoption Rate, Difficulty Paying Usual Household Expenses, and Family Income Inequality (Gini). This page links to the indicators and the source website.

U.S. Census Bureau data is updated automatically by our daily pipeline. Observation frequency varies by indicator: biweekly, annual, quarterly.

The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.

U.S. Census Bureau indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks indicators using data from Administrative Office of the U.S. Courts, including Bankruptcy Chapter 7 to Chapter 13 Filing Ratio, Bankruptcy Filings YoY Change, and Chapter 13 Bankruptcy Filings (YoY % Change). This page links to the indicators and the source website.

Administrative Office of the U.S. Courts data is updated automatically by our daily pipeline. Observation frequency varies by indicator: quarterly.

The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.

Administrative Office of the U.S. Courts indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks indicators using data from U.S. Department of Labor, including Continued Unemployment Claims (SA) and Initial Unemployment Claims (SA). This page links to the indicators and the source website.

U.S. Department of Labor data is updated automatically by our daily pipeline. Observation frequency varies by indicator: weekly.

The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.

U.S. Department of Labor data feeds into Labor. 1 indicator from this source is in the ADI composite calculation.

American Default tracks indicators using data from Consumer Financial Protection Bureau, including Buy Now Pay Later Lending Volume and CFPB Consumer Complaint Volume. This page links to the indicators and the source website.

Consumer Financial Protection Bureau data is updated automatically by our daily pipeline. Observation frequency varies by indicator: annual, monthly.

The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.

Consumer Financial Protection Bureau indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks indicators using data from U.S. Department of Housing and Urban Development, including Homelessness: HUD Point-in-Time Count and Monthly FHA Loan Endorsements. This page links to the indicators and the source website.

U.S. Department of Housing and Urban Development data is updated automatically by our daily pipeline. Observation frequency varies by indicator: annual, monthly.

The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.

U.S. Department of Housing and Urban Development indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks Personal Saving Rate using data from U.S. Bureau of Economic Analysis. This page links to the indicator and the source website.

U.S. Bureau of Economic Analysis data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly.

The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.

U.S. Bureau of Economic Analysis data feeds into Safety Net & Buffer. 1 indicator from this source is in the ADI composite calculation.

American Default tracks SNAP (Food Stamp) Enrollment using data from U.S. Department of Agriculture. This page links to the indicator and the source website.

U.S. Department of Agriculture data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly.

The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.

U.S. Department of Agriculture indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks Household Food Insecurity Rate using data from U.S. Department of Agriculture Economic Research Service. This page links to the indicator and the source website.

U.S. Department of Agriculture Economic Research Service data is archived at its final reading, with no newer data from the source. Observation frequency varies by indicator: annual.

The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.

U.S. Department of Agriculture Economic Research Service indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks Residential Electricity Disconnections using data from U.S. Energy Information Administration. This page links to the indicator and the source website.

U.S. Energy Information Administration data is updated automatically by our daily pipeline. Observation frequency varies by indicator: annual.

The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.

U.S. Energy Information Administration indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks Medicaid / CHIP Enrollment using data from Centers for Medicare & Medicaid Services. This page links to the indicator and the source website.

Centers for Medicare & Medicaid Services data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly.

The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.

Centers for Medicare & Medicaid Services indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks Unbanked Household Rate using data from Federal Deposit Insurance Corporation. This page links to the indicator and the source website.

Federal Deposit Insurance Corporation data is updated automatically by our daily pipeline. Observation frequency varies by indicator: biennial.

The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.

Federal Deposit Insurance Corporation indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks indicators using data from Federal Reserve Bank of New York, including Auto Loans 90+ Days Past Due, HELOC Balances Outstanding, and Mortgage Origination Volume. This page links to the indicators and the source website.

Federal Reserve Bank of New York data is updated automatically by our daily pipeline. Observation frequency varies by indicator: quarterly, annual.

American Default publishes headline statistics from Federal Reserve Bank of New York with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

Federal Reserve Bank of New York data feeds into Delinquency. 1 indicator from this source is in the ADI composite calculation.

American Default tracks indicators using data from Federal Reserve Bank of Philadelphia, including Adults Who Paid Less or Skipped Bills and Revolving Credit Utilization (75th Percentile). This page links to the indicators and the source website.

Federal Reserve Bank of Philadelphia data is updated automatically by our daily pipeline. Observation frequency varies by indicator: quarterly.

American Default publishes headline statistics from Federal Reserve Bank of Philadelphia with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

Federal Reserve Bank of Philadelphia indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks NFCI Non-Financial Leverage Subindex using data from Federal Reserve Bank of Chicago. This page links to the indicator and the source website.

Federal Reserve Bank of Chicago data is updated automatically by our daily pipeline. Observation frequency varies by indicator: weekly.

American Default publishes headline statistics from Federal Reserve Bank of Chicago with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

Federal Reserve Bank of Chicago indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks Atlanta Fed Wage Growth Tracker (1st Quartile) using data from Federal Reserve Bank of Atlanta. This page links to the indicator and the source website.

Federal Reserve Bank of Atlanta data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly.

American Default publishes headline statistics from Federal Reserve Bank of Atlanta with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

Federal Reserve Bank of Atlanta indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks indicators using data from ATTOM Data Solutions, including Foreclosure Filings YoY Change and Foreclosure Starts vs. Bank Repossessions. This page links to the indicators and the source website.

ATTOM Data Solutions data is parsed from the source's published data via the Claude API. Observation frequency varies by indicator: quarterly, monthly.

American Default publishes headline statistics from ATTOM Data Solutions with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

ATTOM Data Solutions indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks indicators using data from Vanguard, including 401(k) Loan Outstanding Rate and Vanguard Hardship Withdrawal Rate. This page links to the indicators and the source website.

Vanguard data is parsed from the source's published reports via the Claude API. Observation frequency varies by indicator: annual.

American Default publishes headline statistics from Vanguard with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

Vanguard indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks indicators using data from Challenger, Gray & Christmas, including AI-Attributed Layoff Announcements and Challenger Job Cut Announcements. This page links to the indicators and the source website.

Challenger, Gray & Christmas data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly.

American Default publishes headline statistics from Challenger, Gray & Christmas with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

Challenger, Gray & Christmas indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks Cotality Current-to-30-Day Mortgage Transition Rate using data from CoreLogic / Cotality. This page links to the indicator and the source website.

CoreLogic / Cotality data is parsed from the source's published reports via the Claude API. Observation frequency varies by indicator: quarterly.

American Default publishes headline statistics from CoreLogic with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

CoreLogic / Cotality indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks FHA Mortgage Delinquency Rate using data from Mortgage Bankers Association. This page links to the indicator and the source website.

Mortgage Bankers Association data is updated manually from published data. Observation frequency varies by indicator: quarterly.

American Default publishes headline statistics from Mortgage Bankers Association with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

Mortgage Bankers Association indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks TransUnion Credit Card Borrower Delinquency using data from TransUnion. This page links to the indicator and the source website.

TransUnion data is parsed from the source's press releases via the Claude API. Observation frequency varies by indicator: quarterly.

American Default publishes headline statistics from TransUnion with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

TransUnion indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks Bankcard Balances 60+ Days Past Due (Equifax) using data from Equifax. This page links to the indicator and the source website.

Equifax data is parsed from the source's press releases via the Claude API. Observation frequency varies by indicator: monthly.

American Default publishes headline statistics from Equifax with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

Equifax indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks Conference Board Consumer Expectations Index using data from The Conference Board. This page links to the indicator and the source website.

The Conference Board data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly.

American Default publishes headline statistics from The Conference Board with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

The Conference Board indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks Share of Bank of America Checking Households Living Paycheck to Paycheck using data from Bank of America Institute. This page links to the indicator and the source website.

Bank of America Institute data is updated manually from published data. Observation frequency varies by indicator: annual.

American Default publishes headline statistics from Bank of America Institute with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

Bank of America Institute indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks Indeed Job Postings Index (US) using data from Indeed. This page links to the indicator and the source website.

Indeed data is updated automatically by our daily pipeline. Observation frequency varies by indicator: daily.

American Default publishes headline statistics from Indeed with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

Indeed indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks AI Share of Indeed Job Postings using data from Indeed Hiring Lab AI Tracker. This page links to the indicator and the source website.

Indeed Hiring Lab AI Tracker data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly.

Yes. Indeed Hiring Lab makes this tracked data available under Creative Commons Attribution 4.0 International. Follow the linked licence terms and attribution requirements.

Indeed Hiring Lab AI Tracker indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks Share of Adults Who Would Use Savings for a $1,000 Emergency using data from Bankrate. This page links to the indicator and the source website.

Bankrate data is updated manually from published data. Observation frequency varies by indicator: annual.

American Default publishes headline statistics from Bankrate with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

Bankrate indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks University of Michigan Consumer Sentiment Index using data from University of Michigan. This page links to the indicator and the source website.

University of Michigan data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly.

Yes. University of Michigan permits reuse of this tracked data with attribution under the linked reuse conditions.

University of Michigan indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks METR 50% Task-Completion Horizon using data from METR. This page links to the indicator and the source website.

METR data is updated automatically by our daily pipeline. Observation frequency varies by indicator: event-driven.

American Default publishes headline statistics from Model Evaluation & Threat Research (METR) with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

METR indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks Financially Healthy Households (Financial Health Network) using data from Financial Health Network. This page links to the indicator and the source website.

Financial Health Network data is updated manually from published data. Observation frequency varies by indicator: annual.

American Default publishes headline statistics from Financial Health Network with attribution, but has not verified a reuse licence for the underlying data. Check the publisher's terms before reuse.

Financial Health Network indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks Top vs Bottom Income Quartile Spending Gap using data from Opportunity Insights. This page links to the indicator and the source website.

Opportunity Insights data is pulled on a schedule from the source's public CSV. Observation frequency varies by indicator: monthly.

Yes. Opportunity Insights permits reuse of this tracked data with attribution under the linked reuse conditions.

Opportunity Insights indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.

American Default tracks indicators using data from Computed / Derived Indicators, including Auto Insurance Inflation Premium (Auto CPI minus Overall CPI), Bottom-Quartile Wage Growth vs. Inflation, and Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest. This page links to the indicators and the source website.

Computed / Derived Indicators data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly, annual, quarterly.

Yes. American Default Research makes this tracked data available under Creative Commons Attribution 4.0 International. Follow the linked licence terms and attribution requirements.

Computed / Derived Indicators indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.