Our Data Sources
The American Distress Index scores 10 measures. Across the whole site we track 121 indicators from 35 sources — federal agencies, Federal Reserve banks, industry reports, and academic research. Every data point is publicly available and independently verifiable. No proprietary data, no paywalled sources, no models.
Federal Government
U.S. Bureau of Labor Statistics
Auto22 indicators
American Default tracks indicators using data from U.S. Bureau of Labor Statistics, including CPI Inflation Rate (All Items), Day Care and Preschool CPI, and...
Board of Governors of the Federal Reserve System
Auto19 indicators
American Default tracks indicators using data from Board of Governors of the Federal Reserve System, including Bottom-Half Share of Household Wealth, Charge-...
Federal Housing Finance Agency
Parsed7 indicators
American Default tracks indicators using data from Federal Housing Finance Agency, including Fannie Mae and Freddie Mac Loans in Forbearance, Foreclosure Pre...
U.S. Census Bureau
Auto5 indicators
American Default tracks indicators using data from U.S. Census Bureau, including Business AI Adoption Rate, Difficulty Paying Usual Household Expenses, and F...
Administrative Office of the U.S. Courts
Auto4 indicators
American Default tracks indicators using data from Administrative Office of the U.S. Courts, including Bankruptcy Chapter 7 to Chapter 13 Filing Ratio, Bankr...
U.S. Department of Housing and Urban Development
Auto3 indicators
American Default tracks indicators using data from U.S. Department of Housing and Urban Development, including FHA Mortgage Delinquency Rate, Monthly FHA Loa...
U.S. Department of Labor
Auto2 indicators
American Default tracks indicators using data from U.S. Department of Labor, including Continued Unemployment Claims (SA) and Initial Unemployment Claims (SA...
Consumer Financial Protection Bureau
Auto2 indicators
American Default tracks indicators using data from Consumer Financial Protection Bureau, including Buy Now Pay Later Lending Volume and CFPB Consumer Complai...
U.S. Bureau of Economic Analysis
Auto1 indicator
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. Department of Agriculture
Auto1 indicator
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 Economic Research Service
Manual1 indicator
American Default tracks Household Food Insecurity Rate using data from U.S. Department of Agriculture Economic Research Service. This page links to the indic...
U.S. Energy Information Administration
Auto1 indicator
American Default tracks Residential Electricity Disconnections using data from U.S. Energy Information Administration. This page links to the indicator and t...
Centers for Medicare & Medicaid Services
Auto1 indicator
American Default tracks Medicaid / CHIP Enrollment using data from Centers for Medicare & Medicaid Services. This page links to the indicator and the source ...
Federal Deposit Insurance Corporation
Auto1 indicator
American Default tracks Unbanked Household Rate using data from Federal Deposit Insurance Corporation. This page links to the indicator and the source website.
Federal Reserve System
Federal Reserve Bank of New York
Auto15 indicators
American Default tracks indicators using data from Federal Reserve Bank of New York, including Auto Loans 90+ Days Past Due, HELOC Balances Outstanding, and ...
Federal Reserve Bank of Philadelphia
Auto2 indicators
American Default tracks indicators using data from Federal Reserve Bank of Philadelphia, including Adults Who Paid Less or Skipped Bills and Revolving Credit...
Federal Reserve Bank of Chicago
Auto1 indicator
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...
Federal Reserve Bank of Atlanta
Auto1 indicator
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 ...
Industry & Research
ATTOM Data Solutions
Parsed2 indicators
American Default tracks indicators using data from ATTOM Data Solutions, including Foreclosure Filings YoY Change and Foreclosure Starts vs. Bank Repossessio...
Vanguard
Parsed2 indicators
American Default tracks indicators using data from Vanguard, including 401(k) Loan Outstanding Rate and Vanguard Hardship Withdrawal Rate. This page links to...
Challenger, Gray & Christmas
Auto2 indicators
American Default tracks indicators using data from Challenger, Gray & Christmas, including AI-Attributed Layoff Announcements and Challenger Job Cut Announce...
CoreLogic / Cotality
Parsed1 indicator
American Default tracks Cotality Current-to-30-Day Mortgage Transition Rate using data from CoreLogic / Cotality. This page links to the indicator and the so...
TransUnion
Parsed1 indicator
American Default tracks TransUnion Credit Card Borrower Delinquency using data from TransUnion. This page links to the indicator and the source website.
Equifax
Parsed1 indicator
American Default tracks Bankcard Balances 60+ Days Past Due (Equifax) using data from Equifax. This page links to the indicator and the source website.
The Conference Board
Auto1 indicator
American Default tracks Conference Board Consumer Expectations Index using data from The Conference Board. This page links to the indicator and the source we...
Bank of America Institute
Manual1 indicator
American Default tracks Share of Bank of America Checking Households Living Paycheck to Paycheck using data from Bank of America Institute. This page links t...
Indeed
Auto1 indicator
American Default tracks Indeed Job Postings Index (US) using data from Indeed. This page links to the indicator and the source website.
Indeed Hiring Lab AI Tracker
Auto1 indicator
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.
Bankrate
Manual1 indicator
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 sourc...
Academic & Nonprofit
University of Michigan
Auto1 indicator
American Default tracks University of Michigan Consumer Sentiment Index using data from University of Michigan. This page links to the indicator and the sour...
METR
Auto1 indicator
American Default tracks METR 50% Task-Completion Horizon using data from METR. This page links to the indicator and the source website.
Financial Health Network
Manual1 indicator
American Default tracks Financially Healthy Households (Financial Health Network) using data from Financial Health Network. This page links to the indicator ...
Opportunity Insights
Parsed1 indicator
American Default tracks Top vs Bottom Income Quartile Spending Gap using data from Opportunity Insights. This page links to the indicator and the source webs...
Urban Institute
3 county measures
American Default uses Urban Institute's Debt in America county data for 3 County Distress Index measures: Credit card delinquency, Auto loan delinquency, and...
Derived Indicators
For details on how these sources feed into the American Distress Index, see our methodology.
Federal Government: publisher details
U.S. Bureau of Labor Statistics
American Default tracks indicators using data from U.S. Bureau of Labor Statistics, including CPI Inflation Rate (All Items), Day Care and Preschool CPI, and Energy Price Inflation (CPI). This page links to the indicators and the source website. Data is updated automatically by our daily pipeline.
Indicators from U.S. Bureau of Labor Statistics
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| CPI Inflation Rate (All Items) | 3.72% Current | — | Monthly | Context |
| Day Care and Preschool CPI | 3.13% Current | — | Monthly | Context |
| Energy Price Inflation (CPI) | 20.35% Current | — | Monthly | Context |
| Food Price Inflation (CPI) | 2.45% Current | — | Monthly | Context |
| Information Sector Job Openings (NAICS 51) | 116K Current | ▬ stable | Monthly | Context |
| JOLTS Quits Rate | 2.1% Current | rising | Monthly | Context |
| Labor Share of Nonfarm Business Output | 93.446 Current | falling | Quarterly | Context |
| Long-Term Unemployed Share (27+ Weeks) | 27.1% Current | ▬ stable | Monthly | Context |
| Medical Care CPI | 1.5% Current | — | Monthly | Context |
| Motor Vehicle Insurance CPI | -4.98% Current | — | Monthly | Context |
| Multiple Jobholders Share of Employment | 5.5% Current | ▬ stable | Monthly | Context |
| Part-Time for Economic Reasons | 4.501M Current | ▬ stable | Monthly | Context |
| Prescription Drug CPI | -4.48% Current | — | Monthly | Context |
| Prime-Age Employment Rate (25-54) | 80.7% Current | rising | Monthly | Context |
| Real Median Weekly Earnings | $370 Current | falling | Quarterly | Context |
| Shelter CPI | 3.22% Current | — | Monthly | Context |
| Tenants' and Household Insurance CPI | 3.04% Current | — | Monthly | Context |
| Total Nonfarm Payrolls | 159.044M Current | ▬ stable | Monthly | Context |
| U-6 Underemployment Rate | 7.6% Current | ▬ stable | Monthly | Context |
| Unemployment Rate | 4.2% Current | ▬ stable | Monthly | Labor |
| Union Membership Rate | 10% Current | ▬ stable | Annual | Context |
| Youth Unemployment Rate (16-24) | 9.9% Current | ▬ stable | Monthly | Context |
How we get this data
FRED Series IDs
BLS Series IDs
Attribution & licensing
Data attributed to: U.S. Bureau of Labor Statistics
Official source: https://www.bls.gov/
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
Review the recorded licence or reuse conditions
FRED-hosted distribution is subject to the Federal Reserve Bank of St. Louis Terms of Use.
Questions about U.S. Bureau of Labor Statistics
What does American Default track from U.S. Bureau of Labor Statistics?
American Default tracks indicators using data from U.S. Bureau of Labor Statistics, including CPI Inflation Rate (All Items), Day Care and Preschool CPI, and Energy Price Inflation (CPI). This page links to the indicators and the source website.
How often is U.S. Bureau of Labor Statistics data measured?
U.S. Bureau of Labor Statistics data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly, quarterly, annual.
Is U.S. Bureau of Labor Statistics data free to use?
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
What American Distress Index components use U.S. Bureau of Labor Statistics data?
U.S. Bureau of Labor Statistics data feeds into Labor. 1 indicator from this source is in the ADI composite calculation.
Board of Governors of the Federal Reserve System
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. Data is updated automatically by our daily pipeline.
Indicators from Board of Governors of the Federal Reserve System
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Bottom-Half Share of Household Wealth | 2.3% Current | ▬ stable | Quarterly | Context |
| Charge-Off Rate on All Loans | 0.55% Current | falling | Quarterly | Context |
| Charge-Off Rate on Credit Card Loans | 3.82% Current | ▬ stable | Quarterly | Default & Legal |
| Charge-Off Rate on Single-Family Residential Mortgages | 0% Current | ▬ stable | Quarterly | Default & Legal |
| Commercial Bank Interest Rate on Credit Card Plans | 21.19% Current | ▬ stable | Quarterly | Context |
| Credit Card Delinquency at Banks Outside the Top 100 | 6.49% Current | ▬ stable | Quarterly | Context |
| Delinquency Rate on Consumer Loans (ex credit card) | 2.33% Current | ▬ stable | Quarterly | Delinquency |
| Delinquency Rate on Credit Card Loans | 2.85% Current | ▬ stable | Quarterly | Delinquency |
| Delinquency Rate on Single-Family Residential Mortgages, All Commercial Banks | 1.86% Current | ▬ stable | Quarterly | Delinquency |
| Didn't Have Enough to Eat | 8% Current | ▬ stable | Annual | Context |
| Household Debt Service Ratio | 11.11% Current | ▬ stable | Quarterly | Debt Burden |
| Median Net Worth of Homeowner Families | $458.9K Current | rising | Event-driven | Context |
| Median Net Worth of Renter Families | $10.6K Current | falling | Event-driven | Context |
| Mortgage Debt Service Ratio | 5.83% Current | ▬ stable | Quarterly | Context |
| SHED Emergency Savings Survey | 37% Current | ▬ stable | Annual | Context |
| Senior Loan Officer Survey: Banks Tightening Standards | 4% Current | ▬ stable | Quarterly | Context |
| Student Loan Borrowers Behind on Payments or in Collections | 20% Last verified 2024 | Historical | Annual | Context |
| Total Consumer Credit Outstanding | $5.1968T Current | ▬ stable | Monthly | Context |
| Total Revolving Credit Outstanding | $1.3524T Current | rising | Monthly | Context |
How we get this data
FRED Series IDs
Attribution & licensing
Data attributed to: Board of Governors of the Federal Reserve System
Official source: https://www.federalreserve.gov/
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
Review the recorded licence or reuse conditions
FRED-hosted distribution is subject to the Federal Reserve Bank of St. Louis Terms of Use.
Questions about Board of Governors of the Federal Reserve System
What does American Default track from Board of Governors of the Federal Reserve System?
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.
How often is Board of Governors of the Federal Reserve System data measured?
Board of Governors of the Federal Reserve System data is updated automatically by our daily pipeline. Observation frequency varies by indicator: quarterly, annual, event-driven, monthly.
Is Board of Governors of the Federal Reserve System data free to use?
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
What American Distress Index components use Board of Governors of the Federal Reserve System data?
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.
Federal Housing Finance Agency
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. 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.
Indicators from Federal Housing Finance Agency
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Fannie Mae and Freddie Mac Loans in Forbearance | 38.002K Current | rising | Monthly | Context |
| Foreclosure Prevention Actions Completed, Fannie Mae and Freddie Mac Loans | 16.195K Current | falling | Monthly | Context |
| Foreclosure Starts, Fannie Mae and Freddie Mac Loans | 7.569K Current | falling | Monthly | Context |
| Loan Modifications Completed, Fannie Mae and Freddie Mac Loans | 7.503K Current | falling | Monthly | Context |
| Mortgages With Less Than 10 Percent Equity | 4.7% Current | rising | Quarterly | Context |
| Serious Delinquency Rate, Fannie Mae and Freddie Mac Loans | 0.59% Current | rising | Monthly | Context |
| Underwater Mortgages (Owing More Than the Home Is Worth) | 0.3% Current | ▬ stable | Quarterly | Context |
How we get this data
Attribution & licensing
Data attributed to: Federal Housing Finance Agency
Official source: https://www.fhfa.gov/
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.
Questions about Federal Housing Finance Agency
What does American Default track from Federal Housing Finance Agency?
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.
How often is Federal Housing Finance Agency data measured?
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.
Is Federal Housing Finance Agency data free to use?
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.
What American Distress Index components use Federal Housing Finance Agency data?
Federal Housing Finance Agency indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
U.S. Census Bureau
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. Data is updated automatically by our daily pipeline.
Indicators from U.S. Census Bureau
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Business AI Adoption Rate | 10% Last verified 2025-09-21 | Historical | Biweekly | Context |
| Difficulty Paying Usual Household Expenses | 21.3% Current | — | Biweekly | Context |
| Family Income Inequality (Gini) | 0.46 Current | ▬ stable | Annual | Context |
| Median Sale Price of New Houses (US) | $393.3K Current | falling | Quarterly | Context |
| Median Size of New Single-Family Homes Completed | 2.105K Current | falling | Quarterly | Context |
How we get this data
FRED Series IDs
Attribution & licensing
Data attributed to: U.S. Census Bureau
Official source: https://www.census.gov/
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
Review the recorded licence or reuse conditions
FRED-hosted distribution is subject to the Federal Reserve Bank of St. Louis Terms of Use.
Questions about U.S. Census Bureau
What does American Default track from U.S. Census Bureau?
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.
How often is U.S. Census Bureau data measured?
U.S. Census Bureau data is updated automatically by our daily pipeline. Observation frequency varies by indicator: biweekly, annual, quarterly.
Is U.S. Census Bureau data free to use?
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
What American Distress Index components use U.S. Census Bureau data?
U.S. Census Bureau indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Administrative Office of the U.S. Courts
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. Data is updated automatically by our daily pipeline.
Indicators from Administrative Office of the U.S. Courts
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Bankruptcy Chapter 7 to Chapter 13 Filing Ratio | 1.79x Current | rising | Quarterly | Context |
| Bankruptcy Filings YoY Change | 11.4% Current | — | Quarterly | Context |
| Chapter 13 Bankruptcy Filings (YoY % Change) | 7.9% Current | — | Quarterly | Context |
| Chapter 7 Bankruptcy Filings (YoY % Change) | 13.5% Current | — | Quarterly | Context |
How we get this data
Attribution & licensing
Data attributed to: Administrative Office of the U.S. Courts
Official source: https://www.uscourts.gov/
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
Questions about Administrative Office of the U.S. Courts
What does American Default track from Administrative Office of the U.S. Courts?
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.
How often is Administrative Office of the U.S. Courts data measured?
Administrative Office of the U.S. Courts data is updated automatically by our daily pipeline. Observation frequency varies by indicator: quarterly.
Is Administrative Office of the U.S. Courts data free to use?
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
What American Distress Index components use Administrative Office of the U.S. Courts data?
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.
U.S. Department of Housing and Urban Development
American Default tracks indicators using data from U.S. Department of Housing and Urban Development, including FHA Mortgage Delinquency Rate, Monthly FHA Loan Endorsements, and Point-in-Time Count of People Experiencing Homelessness. This page links to the indicators and the source website. Data is updated automatically by our daily pipeline.
Indicators from U.S. Department of Housing and Urban Development
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| FHA Mortgage Delinquency Rate | 13.64% Current | rising | Monthly | Context |
| Monthly FHA Loan Endorsements | 78.925K Current | rising | Monthly | Context |
| Point-in-Time Count of People Experiencing Homelessness | 745.652K Current | falling | Annual | Context |
How we get this data
Attribution & licensing
Data attributed to: U.S. Department of Housing and Urban Development
Official source: https://www.hud.gov/
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
Questions about U.S. Department of Housing and Urban Development
What does American Default track from U.S. Department of Housing and Urban Development?
American Default tracks indicators using data from U.S. Department of Housing and Urban Development, including FHA Mortgage Delinquency Rate, Monthly FHA Loan Endorsements, and Point-in-Time Count of People Experiencing Homelessness. This page links to the indicators and the source website.
How often is U.S. Department of Housing and Urban Development data measured?
U.S. Department of Housing and Urban Development data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly, annual.
Is U.S. Department of Housing and Urban Development data free to use?
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
What American Distress Index components use U.S. Department of Housing and Urban Development data?
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.
U.S. Department of Labor
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. Data is updated automatically by our daily pipeline.
Indicators from U.S. Department of Labor
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Continued Unemployment Claims (SA) | 1.701M Current | falling | Weekly | Context |
| Initial Unemployment Claims (SA) | 194K Current | ▬ stable | Weekly | Labor |
How we get this data
Attribution & licensing
Data attributed to: U.S. Department of Labor
Official source: https://www.dol.gov/
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
Review the recorded licence or reuse conditions
FRED-hosted distribution is subject to the Federal Reserve Bank of St. Louis Terms of Use.
Questions about U.S. Department of Labor
What does American Default track from U.S. Department of Labor?
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.
How often is U.S. Department of Labor data measured?
U.S. Department of Labor data is updated automatically by our daily pipeline. Observation frequency varies by indicator: weekly.
Is U.S. Department of Labor data free to use?
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
What American Distress Index components use U.S. Department of Labor data?
U.S. Department of Labor data feeds into Labor. 1 indicator from this source is in the ADI composite calculation.
Consumer Financial Protection Bureau
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. Data is updated automatically by our daily pipeline.
Indicators from Consumer Financial Protection Bureau
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Buy Now Pay Later Lending Volume | $43.9B Last verified 2023 | Historical | Annual | Context |
| CFPB Consumer Complaint Volume | 718.186K Current | rising | Monthly | Context |
How we get this data
Attribution & licensing
Data attributed to: Consumer Financial Protection Bureau
Official source: https://www.consumerfinance.gov/
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
Questions about Consumer Financial Protection Bureau
What does American Default track from Consumer Financial Protection Bureau?
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.
How often is Consumer Financial Protection Bureau data measured?
Consumer Financial Protection Bureau data is updated automatically by our daily pipeline. Observation frequency varies by indicator: annual, monthly.
Is Consumer Financial Protection Bureau data free to use?
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
What American Distress Index components use Consumer Financial Protection Bureau data?
Consumer Financial Protection Bureau indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
U.S. Bureau of Economic Analysis
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. Data is updated automatically by our daily pipeline.
Indicators from U.S. Bureau of Economic Analysis
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Personal Saving Rate | 3.8% Current | ▬ stable | Monthly | Safety Net & Buffer |
How we get this data
FRED Series IDs
Attribution & licensing
Data attributed to: U.S. Bureau of Economic Analysis
Official source: https://www.bea.gov/
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
Review the recorded licence or reuse conditions
FRED-hosted distribution is subject to the Federal Reserve Bank of St. Louis Terms of Use.
Questions about U.S. Bureau of Economic Analysis
What does American Default track from U.S. Bureau of Economic Analysis?
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.
How often is U.S. Bureau of Economic Analysis data measured?
U.S. Bureau of Economic Analysis data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly.
Is U.S. Bureau of Economic Analysis data free to use?
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
What American Distress Index components use U.S. Bureau of Economic Analysis data?
U.S. Bureau of Economic Analysis data feeds into Safety Net & Buffer. 1 indicator from this source is in the ADI composite calculation.
U.S. Department of Agriculture
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. Data is updated automatically by our daily pipeline.
Indicators from U.S. Department of Agriculture
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| SNAP (Food Stamp) Enrollment | 36.088M Current | falling | Monthly | Context |
How we get this data
Attribution & licensing
Data attributed to: U.S. Department of Agriculture Food and Nutrition Administration
Official source: https://www.usda.gov/
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
Questions about U.S. Department of Agriculture
What does American Default track from U.S. Department of Agriculture?
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.
How often is U.S. Department of Agriculture data measured?
U.S. Department of Agriculture data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly.
Is U.S. Department of Agriculture data free to use?
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
What American Distress Index components use U.S. Department of Agriculture data?
U.S. Department of Agriculture indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
U.S. Department of Agriculture Economic Research Service
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. Data is archived at its final reading, with no newer data from the source.
Indicators from U.S. Department of Agriculture Economic Research Service
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Household Food Insecurity Rate | 13.7% Last verified 2024 | Historical | Annual | Context |
How we get this data
Attribution & licensing
Data attributed to: U.S. Department of Agriculture Economic Research Service
Official source: https://www.ers.usda.gov/topics/food-nutrition-assistance/food-security-in-the-us
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
Questions about U.S. Department of Agriculture Economic Research Service
What does American Default track from U.S. Department of Agriculture Economic Research Service?
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.
How often is U.S. Department of Agriculture Economic Research Service data measured?
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.
Is U.S. Department of Agriculture Economic Research Service data free to use?
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
What American Distress Index components use U.S. Department of Agriculture Economic Research Service data?
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.
U.S. Energy Information Administration
American Default tracks Residential Electricity Disconnections using data from U.S. Energy Information Administration. This page links to the indicator and the source website. Data is updated automatically by our daily pipeline.
Indicators from U.S. Energy Information Administration
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Residential Electricity Disconnections | 13.448M Current | unknown | Annual | Context |
How we get this data
Attribution & licensing
Data attributed to: U.S. Energy Information Administration
Official source: https://www.eia.gov/
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
Questions about U.S. Energy Information Administration
What does American Default track from U.S. Energy Information Administration?
American Default tracks Residential Electricity Disconnections using data from U.S. Energy Information Administration. This page links to the indicator and the source website.
How often is U.S. Energy Information Administration data measured?
U.S. Energy Information Administration data is updated automatically by our daily pipeline. Observation frequency varies by indicator: annual.
Is U.S. Energy Information Administration data free to use?
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
What American Distress Index components use U.S. Energy Information Administration data?
U.S. Energy Information Administration indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Centers for Medicare & Medicaid Services
American Default tracks Medicaid / CHIP Enrollment using data from Centers for Medicare & Medicaid Services. This page links to the indicator and the source website. Data is updated automatically by our daily pipeline.
Indicators from Centers for Medicare & Medicaid Services
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Medicaid / CHIP Enrollment | 72.947M Current | falling | Monthly | Context |
How we get this data
Attribution & licensing
Data attributed to: Centers for Medicare & Medicaid Services
Official source: https://www.cms.gov/
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
Questions about Centers for Medicare & Medicaid Services
What does American Default track from Centers for Medicare & Medicaid Services?
American Default tracks Medicaid / CHIP Enrollment using data from Centers for Medicare & Medicaid Services. This page links to the indicator and the source website.
How often is Centers for Medicare & Medicaid Services data measured?
Centers for Medicare & Medicaid Services data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly.
Is Centers for Medicare & Medicaid Services data free to use?
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
What American Distress Index components use Centers for Medicare & Medicaid Services data?
Centers for Medicare & Medicaid Services indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Federal Deposit Insurance Corporation
American Default tracks Unbanked Household Rate using data from Federal Deposit Insurance Corporation. This page links to the indicator and the source website. Data is updated automatically by our daily pipeline.
Indicators from Federal Deposit Insurance Corporation
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Unbanked Household Rate | 4.2% Current | ▬ stable | Biennial | Context |
How we get this data
Attribution & licensing
Data attributed to: Federal Deposit Insurance Corporation
Official source: https://www.fdic.gov/
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
Questions about Federal Deposit Insurance Corporation
What does American Default track from Federal Deposit Insurance Corporation?
American Default tracks Unbanked Household Rate using data from Federal Deposit Insurance Corporation. This page links to the indicator and the source website.
How often is Federal Deposit Insurance Corporation data measured?
Federal Deposit Insurance Corporation data is updated automatically by our daily pipeline. Observation frequency varies by indicator: biennial.
Is Federal Deposit Insurance Corporation data free to use?
The tracked U.S. government data is generally public-domain material. Check the linked agency source and any republisher terms for exceptions.
What American Distress Index components use Federal Deposit Insurance Corporation data?
Federal Deposit Insurance Corporation indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Federal Reserve System: publisher details
Federal Reserve Bank of New York
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. Data is updated automatically by our daily pipeline.
Indicators from Federal Reserve Bank of New York
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Auto Loans 90+ Days Past Due | 5.49% Current | rising | Quarterly | Delinquency |
| HELOC Balances Outstanding | $458.5B Current | rising | Quarterly | Context |
| Mortgage Origination Volume | $504.64B Current | rising | Quarterly | Context |
| New Serious Delinquency Rate, Borrowers Age 18 to 29 | 4.04% Current | falling | Quarterly | Context |
| New Serious Delinquency Rate, Borrowers Age 30 to 39 | 2.86% Current | falling | Quarterly | Context |
| New Serious Delinquency Rate, Borrowers Age 40 to 49 | 2.53% Current | falling | Quarterly | Context |
| New Serious Delinquency Rate, Borrowers Age 50 to 59 | 2.6% Current | falling | Quarterly | Context |
| New Serious Delinquency Rate, Borrowers Age 60 to 69 | 1.74% Current | falling | Quarterly | Context |
| New Serious Delinquency Rate, Borrowers Age 70 and Over | 1.8% Current | falling | Quarterly | Context |
| Serious Delinquency Rate (90+ days, All Loan Types) | 3.31% Current | rising | Quarterly | Context |
| Share of Student Loan Balances 90+ Days Delinquent | 10.6% Current | rising | Quarterly | Context |
| States with Credit Card Delinquency Above 10% | 36 Current | rising | Annual | Context |
| Total Credit Card Debt Outstanding | $1.263T Current | rising | Quarterly | Context |
| Total Delinquency Rate (All Loan Types) | 4.73% Current | rising | Quarterly | Context |
| Total Household Debt | $18.7705T Current | rising | Quarterly | Context |
How we get this data
Attribution & licensing
Data attributed to: Federal Reserve Bank of New York
Official source: https://www.newyorkfed.org/
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.
Questions about Federal Reserve Bank of New York
What does American Default track from Federal Reserve Bank of New York?
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.
How often is Federal Reserve Bank of New York data measured?
Federal Reserve Bank of New York data is updated automatically by our daily pipeline. Observation frequency varies by indicator: quarterly, annual.
Is Federal Reserve Bank of New York data free to use?
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.
What American Distress Index components use Federal Reserve Bank of New York data?
Federal Reserve Bank of New York data feeds into Delinquency. 1 indicator from this source is in the ADI composite calculation.
Federal Reserve Bank of Philadelphia
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. Data is updated automatically by our daily pipeline.
Indicators from Federal Reserve Bank of Philadelphia
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Adults Who Paid Less or Skipped Bills | 18.3% Current | ▬ stable | Quarterly | Context |
| Revolving Credit Utilization (75th Percentile) | 49.67% Current | falling | Quarterly | Context |
How we get this data
FRED Series IDs
Attribution & licensing
Data attributed to: Federal Reserve Bank of Philadelphia
Official source: https://www.philadelphiafed.org/
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.
FRED-hosted distribution is subject to the Federal Reserve Bank of St. Louis Terms of Use.
Questions about Federal Reserve Bank of Philadelphia
What does American Default track from Federal Reserve Bank of Philadelphia?
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.
How often is Federal Reserve Bank of Philadelphia data measured?
Federal Reserve Bank of Philadelphia data is updated automatically by our daily pipeline. Observation frequency varies by indicator: quarterly.
Is Federal Reserve Bank of Philadelphia data free to use?
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.
What American Distress Index components use Federal Reserve Bank of Philadelphia data?
Federal Reserve Bank of Philadelphia indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Federal Reserve Bank of Chicago
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. Data is updated automatically by our daily pipeline.
Indicators from Federal Reserve Bank of Chicago
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| NFCI Non-Financial Leverage Subindex | -0.461 Current | ▬ stable | Weekly | Context |
How we get this data
FRED Series IDs
Attribution & licensing
Data attributed to: Federal Reserve Bank of Chicago
Official source: https://www.chicagofed.org/
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.
FRED-hosted distribution is subject to the Federal Reserve Bank of St. Louis Terms of Use.
Questions about Federal Reserve Bank of Chicago
What does American Default track from Federal Reserve Bank of Chicago?
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.
How often is Federal Reserve Bank of Chicago data measured?
Federal Reserve Bank of Chicago data is updated automatically by our daily pipeline. Observation frequency varies by indicator: weekly.
Is Federal Reserve Bank of Chicago data free to use?
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.
What American Distress Index components use Federal Reserve Bank of Chicago data?
Federal Reserve Bank of Chicago indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Federal Reserve Bank of Atlanta
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. Data is updated automatically by our daily pipeline.
Indicators from Federal Reserve Bank of Atlanta
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Atlanta Fed Wage Growth Tracker (1st Quartile) | 3.4% Current | ▬ stable | Monthly | Context |
How we get this data
FRED Series IDs
Attribution & licensing
Data attributed to: Federal Reserve Bank of Atlanta
Official source: https://www.atlantafed.org/
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.
FRED-hosted distribution is subject to the Federal Reserve Bank of St. Louis Terms of Use.
Questions about Federal Reserve Bank of Atlanta
What does American Default track from Federal Reserve Bank of Atlanta?
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.
How often is Federal Reserve Bank of Atlanta data measured?
Federal Reserve Bank of Atlanta data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly.
Is Federal Reserve Bank of Atlanta data free to use?
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.
What American Distress Index components use Federal Reserve Bank of Atlanta data?
Federal Reserve Bank of Atlanta indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Industry & Research: publisher details
ATTOM Data Solutions
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. Data is parsed from the source's published data via the Claude API.
Indicators from ATTOM Data Solutions
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Foreclosure Filings YoY Change | 15% Current | — | Quarterly | Context |
| Foreclosure Starts vs. Bank Repossessions | 4.47x Current | unknown | Monthly | Context |
How we get this data
Attribution & licensing
Data attributed to: ATTOM Data Solutions
Official source: https://www.attomdata.com/
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.
Questions about ATTOM Data Solutions
What does American Default track from ATTOM Data Solutions?
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.
How often is ATTOM Data Solutions data measured?
ATTOM Data Solutions data is parsed from the source's published data via the Claude API. Observation frequency varies by indicator: quarterly, monthly.
Is ATTOM Data Solutions data free to use?
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.
What American Distress Index components use ATTOM Data Solutions data?
ATTOM Data Solutions indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Vanguard
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. Data is parsed from the source's published reports via the Claude API.
Indicators from Vanguard
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| 401(k) Loan Outstanding Rate | 13% Current | ▬ stable | Annual | Context |
| Vanguard Hardship Withdrawal Rate | 6% Current | rising | Annual | Context |
How we get this data
Attribution & licensing
Data attributed to: Vanguard
Official source: https://www.vanguard.com/
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.
Questions about Vanguard
What does American Default track from Vanguard?
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.
How often is Vanguard data measured?
Vanguard data is parsed from the source's published reports via the Claude API. Observation frequency varies by indicator: annual.
Is Vanguard data free to use?
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.
What American Distress Index components use Vanguard data?
Vanguard indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Challenger, Gray & Christmas
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. Data is updated automatically by our daily pipeline.
Indicators from Challenger, Gray & Christmas
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| AI-Attributed Layoff Announcements | 4K Current | — | Monthly | Context |
| Challenger Job Cut Announcements | 43.3K Current | — | Monthly | Context |
How we get this data
Attribution & licensing
Data attributed to: Challenger, Gray & Christmas
Official source: https://www.challengergray.com/
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.
Questions about Challenger, Gray & Christmas
What does American Default track from Challenger, Gray & Christmas?
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.
How often is Challenger, Gray & Christmas data measured?
Challenger, Gray & Christmas data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly.
Is Challenger, Gray & Christmas data free to use?
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.
What American Distress Index components use Challenger, Gray & Christmas data?
Challenger, Gray & Christmas indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
CoreLogic / Cotality
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. Data is parsed from the source's published reports via the Claude API.
Indicators from CoreLogic / Cotality
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Cotality Current-to-30-Day Mortgage Transition Rate | 0.6% Current | ▬ stable | Quarterly | Context |
How we get this data
Attribution & licensing
Data attributed to: CoreLogic
Official source: https://www.corelogic.com/
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.
Questions about CoreLogic / Cotality
What does American Default track from CoreLogic / Cotality?
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.
How often is CoreLogic / Cotality data measured?
CoreLogic / Cotality data is parsed from the source's published reports via the Claude API. Observation frequency varies by indicator: quarterly.
Is CoreLogic / Cotality data free to use?
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.
What American Distress Index components use CoreLogic / Cotality data?
CoreLogic / Cotality indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
TransUnion
American Default tracks TransUnion Credit Card Borrower Delinquency using data from TransUnion. This page links to the indicator and the source website. Data is parsed from the source's press releases via the Claude API.
Indicators from TransUnion
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| TransUnion Credit Card Borrower Delinquency | 2.26% Current | rising | Quarterly | Context |
How we get this data
Attribution & licensing
Data attributed to: TransUnion
Official source: https://www.transunion.com/
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.
Questions about TransUnion
What does American Default track from TransUnion?
American Default tracks TransUnion Credit Card Borrower Delinquency using data from TransUnion. This page links to the indicator and the source website.
How often is TransUnion data measured?
TransUnion data is parsed from the source's press releases via the Claude API. Observation frequency varies by indicator: quarterly.
Is TransUnion data free to use?
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.
What American Distress Index components use TransUnion data?
TransUnion indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Equifax
American Default tracks Bankcard Balances 60+ Days Past Due (Equifax) using data from Equifax. This page links to the indicator and the source website. Data is parsed from the source's press releases via the Claude API.
Indicators from Equifax
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Bankcard Balances 60+ Days Past Due (Equifax) | 2.74% Current | — | Monthly | Context |
How we get this data
Attribution & licensing
Data attributed to: Equifax
Official source: https://www.equifax.com/
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.
Questions about Equifax
What does American Default track from Equifax?
American Default tracks Bankcard Balances 60+ Days Past Due (Equifax) using data from Equifax. This page links to the indicator and the source website.
How often is Equifax data measured?
Equifax data is parsed from the source's press releases via the Claude API. Observation frequency varies by indicator: monthly.
Is Equifax data free to use?
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.
What American Distress Index components use Equifax data?
Equifax indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
The Conference Board
American Default tracks Conference Board Consumer Expectations Index using data from The Conference Board. This page links to the indicator and the source website. Data is updated automatically by our daily pipeline.
Indicators from The Conference Board
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Conference Board Consumer Expectations Index | 72.6 Current | rising | Monthly | Context |
How we get this data
Attribution & licensing
Data attributed to: The Conference Board
Official source: https://www.conference-board.org/
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.
Questions about The Conference Board
What does American Default track from The Conference Board?
American Default tracks Conference Board Consumer Expectations Index using data from The Conference Board. This page links to the indicator and the source website.
How often is The Conference Board data measured?
The Conference Board data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly.
Is The Conference Board data free to use?
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.
What American Distress Index components use The Conference Board data?
The Conference Board indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Bank of America Institute
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. Data is updated manually from published data.
Indicators from Bank of America Institute
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Share of Bank of America Checking Households Living Paycheck to Paycheck | 24% Current | rising | Annual | Context |
How we get this data
Attribution & licensing
Data attributed to: Bank of America Institute
Official source: https://institute.bankofamerica.com/
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.
Questions about Bank of America Institute
What does American Default track from Bank of America Institute?
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.
How often is Bank of America Institute data measured?
Bank of America Institute data is updated manually from published data. Observation frequency varies by indicator: annual.
Is Bank of America Institute data free to use?
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.
What American Distress Index components use Bank of America Institute data?
Bank of America Institute indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Indeed
American Default tracks Indeed Job Postings Index (US) using data from Indeed. This page links to the indicator and the source website. Data is updated automatically by our daily pipeline.
Indicators from Indeed
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Indeed Job Postings Index (US) | 103.671 Current | rising | Daily | Context |
How we get this data
FRED Series IDs
Attribution & licensing
Data attributed to: Indeed
Official source: https://www.indeed.com/
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.
FRED-hosted distribution is subject to the Federal Reserve Bank of St. Louis Terms of Use.
Questions about Indeed
What does American Default track from Indeed?
American Default tracks Indeed Job Postings Index (US) using data from Indeed. This page links to the indicator and the source website.
How often is Indeed data measured?
Indeed data is updated automatically by our daily pipeline. Observation frequency varies by indicator: daily.
Is Indeed data free to use?
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.
What American Distress Index components use Indeed data?
Indeed indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Indeed Hiring Lab AI Tracker
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. Data is updated automatically by our daily pipeline.
Indicators from Indeed Hiring Lab AI Tracker
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| AI Share of Indeed Job Postings | 7.34% Current | rising | Monthly | Context |
How we get this data
Attribution & licensing
Data attributed to: Indeed Hiring Lab
Official source: https://github.com/hiring-lab/ai-tracker
Yes. Indeed Hiring Lab makes this tracked data available under Creative Commons Attribution 4.0 International. Follow the linked licence terms and attribution requirements.
Questions about Indeed Hiring Lab AI Tracker
What does American Default track from Indeed Hiring Lab AI Tracker?
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.
How often is Indeed Hiring Lab AI Tracker data measured?
Indeed Hiring Lab AI Tracker data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly.
Is Indeed Hiring Lab AI Tracker data free to use?
Yes. Indeed Hiring Lab makes this tracked data available under Creative Commons Attribution 4.0 International. Follow the linked licence terms and attribution requirements.
What American Distress Index components use Indeed Hiring Lab AI Tracker data?
Indeed Hiring Lab AI Tracker indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Bankrate
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. Data is updated manually from published data.
Indicators from Bankrate
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Share of Adults Who Would Use Savings for a $1,000 Emergency | 30% Current | — | Annual | Context |
How we get this data
Attribution & licensing
Data attributed to: Bankrate
Official source: https://www.bankrate.com/
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.
Questions about Bankrate
What does American Default track from Bankrate?
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.
How often is Bankrate data measured?
Bankrate data is updated manually from published data. Observation frequency varies by indicator: annual.
Is Bankrate data free to use?
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.
What American Distress Index components use Bankrate data?
Bankrate indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Academic & Nonprofit: publisher details
University of Michigan
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. Data is updated automatically by our daily pipeline.
Indicators from University of Michigan
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| University of Michigan Consumer Sentiment Index | 48 Current | falling | Monthly | Context |
How we get this data
FRED Series IDs
Attribution & licensing
Data attributed to: University of Michigan
Official source: https://data.sca.isr.umich.edu/
Yes. University of Michigan permits reuse of this tracked data with attribution under the linked reuse conditions.
Review the recorded licence or reuse conditions
FRED-hosted distribution is subject to the Federal Reserve Bank of St. Louis Terms of Use.
Questions about University of Michigan
What does American Default track from University of Michigan?
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.
How often is University of Michigan data measured?
University of Michigan data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly.
Is University of Michigan data free to use?
Yes. University of Michigan permits reuse of this tracked data with attribution under the linked reuse conditions.
What American Distress Index components use University of Michigan data?
University of Michigan indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
METR
American Default tracks METR 50% Task-Completion Horizon using data from METR. This page links to the indicator and the source website. Data is updated automatically by our daily pipeline.
Indicators from METR
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| METR 50% Task-Completion Horizon | 17.4 hours Current | rising | Event-driven | Context |
How we get this data
Attribution & licensing
Data attributed to: Model Evaluation & Threat Research (METR)
Official source: https://metr.org/
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.
Questions about METR
What does American Default track from METR?
American Default tracks METR 50% Task-Completion Horizon using data from METR. This page links to the indicator and the source website.
How often is METR data measured?
METR data is updated automatically by our daily pipeline. Observation frequency varies by indicator: event-driven.
Is METR data free to use?
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.
What American Distress Index components use METR data?
METR indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Financial Health Network
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. Data is updated manually from published data.
Indicators from Financial Health Network
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Financially Healthy Households (Financial Health Network) | 31% Current | ▬ stable | Annual | Context |
How we get this data
Attribution & licensing
Data attributed to: Financial Health Network
Official source: https://finhealthnetwork.org/
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.
Questions about Financial Health Network
What does American Default track from Financial Health Network?
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.
How often is Financial Health Network data measured?
Financial Health Network data is updated manually from published data. Observation frequency varies by indicator: annual.
Is Financial Health Network data free to use?
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.
What American Distress Index components use Financial Health Network data?
Financial Health Network indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Opportunity Insights
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. Data is pulled on a schedule from the source's public CSV.
Indicators from Opportunity Insights
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Top vs Bottom Income Quartile Spending Gap | -13.9 pp Current | falling | Monthly | Context |
How we get this data
Attribution & licensing
Data attributed to: Opportunity Insights
Official source: https://www.tracktherecovery.org/
Yes. Opportunity Insights permits reuse of this tracked data with attribution under the linked reuse conditions.
Questions about Opportunity Insights
What does American Default track from Opportunity Insights?
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.
How often is Opportunity Insights data measured?
Opportunity Insights data is pulled on a schedule from the source's public CSV. Observation frequency varies by indicator: monthly.
Is Opportunity Insights data free to use?
Yes. Opportunity Insights permits reuse of this tracked data with attribution under the linked reuse conditions.
What American Distress Index components use Opportunity Insights data?
Opportunity Insights indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Urban Institute
American Default uses Urban Institute's Debt in America county data for 3 County Distress Index measures: Credit card delinquency, Auto loan delinquency, and Debt in collections.
County Distress Index measures from Urban Institute
- Credit card delinquency Urban Institute Debt in America (Equifax panel), vintage 2025
- Auto loan delinquency Urban Institute Debt in America (Equifax panel), vintage 2025
- Debt in collections Urban Institute Debt in America (Equifax panel), vintage 2025
These feed the County Distress Index for all U.S. counties. They are not national indicators, so they have no indicator pages.
Attribution & licensing
Data attributed to: Urban Institute
Official source: https://www.urban.org/
Dataset: Debt in America
Yes. Urban Institute makes this tracked data available under Open Data Commons Attribution License (ODC-By) 1.0. Follow the linked licence terms and attribution requirements.
Credit this data as: Breno Braga, Signe-Mary McKernan, Samantha Atherton, and Kassandra Martinchek, "Debt in America," last updated November 20, 2025, https://datacatalog.urban.org/dataset/debt-america-2025. Licensed under ODC-By 1.0.
The County Distress Index is American Default Research's own calculation; the Urban Institute does not produce or endorse it.
Derived Indicators: publisher details
Computed / Derived Indicators
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. Data is updated automatically by our daily pipeline.
Indicators from Computed / Derived Indicators
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Auto Insurance Inflation Premium (Auto CPI minus Overall CPI) | -8.7 pp Current | falling | Monthly | Context |
| Bottom-Quartile Wage Growth vs. Inflation | 1.1 pp Current | falling | Annual | Context |
| Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest | 3.75 pp Current | ▬ stable | Quarterly | Context |
| Energy Cost Burden (Energy PCE as % of Disposable Income) | 3.65% Current | ▬ stable | Quarterly | Context |
| Federal Customs Duties as % of Disposable Personal Income | 1.17% Current | rising | Annual | Context |
| Gas Price to Pay Ratio | 0.33% Current | rising | Quarterly | Context |
| Grocery Affordability Gap | 0.57 pp Current | ▬ stable | Monthly | Context |
| Grocery Prices Cumulative Change Since Jan 2020 | 31.87% Current | ▬ stable | Monthly | Context |
| Healthcare Inflation Premium (Medical CPI minus Overall CPI) | -2.21 pp Current | falling | Monthly | Context |
| Involuntary Part-Time Share of Employment | 2.76% Current | ▬ stable | Monthly | Context |
| Productivity-Pay Wedge | 109.908 Current | rising | Quarterly | Context |
| Real Federal Minimum Wage | $2.1558 Current | falling | Monthly | Context |
| Real Production & Nonsupervisory Wage | $9.6938 Current | ▬ stable | Monthly | Context |
| Wage Growth vs CPI Spread | 0.18 pp Current | falling | Monthly | Context |
How we get this data
BLS Series IDs
Attribution & licensing
Data attributed to: American Default Research
Yes. American Default Research makes this tracked data available under Creative Commons Attribution 4.0 International. Follow the linked licence terms and attribution requirements.
Questions about Computed / Derived Indicators
What does American Default track from Computed / Derived Indicators?
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.
How often is Computed / Derived Indicators data measured?
Computed / Derived Indicators data is updated automatically by our daily pipeline. Observation frequency varies by indicator: monthly, annual, quarterly.
Is Computed / Derived Indicators data free to use?
Yes. American Default Research makes this tracked data available under Creative Commons Attribution 4.0 International. Follow the linked licence terms and attribution requirements.
What American Distress Index components use Computed / Derived Indicators data?
Computed / Derived Indicators indicators provide supplementary context for household financial distress tracking but are not directly in the ADI composite calculation.
Related
- ADI Methodology — how these indicators feed into the composite score
- All Indicators — browse all tracked indicators
- Data Status — current update status for all data sources