Our Data Sources

The American Distress Index draws on 103 indicators from 36 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

20 indicators

American Default tracks indicators using data from U.S. Bureau of Labor Statistics, including CPI Inflation Rate (All Items), Energy CPI (All Items), and Foo...

Board of Governors of the Federal Reserve System

17 indicators

American Default tracks indicators using data from Board of Governors of the Federal Reserve System, including The Bottom Half, Charge-Off Rate on All Loans,...

U.S. Census Bureau

4 indicators

American Default tracks indicators using data from U.S. Census Bureau, including The Adoption Curve, The Pinch, and The Divide. This page links to the indica...

Administrative Office of the U.S. Courts

4 indicators

American Default tracks indicators using data from Administrative Office of the U.S. Courts, including The Wipeout Ratio, Bankruptcy Filings, and Chapter 13 ...

U.S. Department of Labor

2 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

2 indicators

American Default tracks indicators using data from Consumer Financial Protection Bureau, including Phantom Debt and CFPB Consumer Complaint Volume. This page...

U.S. Bureau of Economic Analysis

1 indicator

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

U.S. Department of Agriculture

1 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

1 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. Department of Housing and Urban Development

1 indicator

American Default tracks Annual Homelessness Assessment (PIT Count) using data from U.S. Department of Housing and Urban Development. This page links to the i...

U.S. Energy Information Administration

1 indicator

American Default tracks Residential Utility Service Disconnections using data from U.S. Energy Information Administration. This page links to the indicator a...

Centers for Medicare & Medicaid Services

1 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

1 indicator

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

Federal Reserve System

Federal Reserve Bank of New York

9 indicators

American Default tracks indicators using data from Federal Reserve Bank of New York, including The Repo Line, HELOC Balance Growth, and Mortgage Origination ...

Federal Reserve Bank of Chicago

1 indicator

American Default tracks The Tightening using data from Federal Reserve Bank of Chicago. This page links to the indicator and the source website.

Federal Reserve Bank of Atlanta

1 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 ...

Federal Reserve Bank of Philadelphia

1 indicator

American Default tracks The Skip Rate using data from Federal Reserve Bank of Philadelphia. This page links to the indicator and the source website.

Industry & Research

ATTOM Data Solutions

2 indicators

American Default tracks indicators using data from ATTOM Data Solutions, including Foreclosure Filings and The Pipeline. This page links to the indicators an...

Vanguard

2 indicators

American Default tracks indicators using data from Vanguard, including 401(k) Loan Outstanding Rate and The Cannibalization Rate. This page links to the indi...

Challenger, Gray & Christmas

2 indicators

American Default tracks indicators using data from Challenger, Gray & Christmas, including The AI Cut and Pink Slips. This page links to the indicators and t...

CoreLogic / Cotality

1 indicator

American Default tracks First Missed using data from CoreLogic / Cotality. This page links to the indicator and the source website.

Mortgage Bankers Association

1 indicator

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

TransUnion

1 indicator

American Default tracks The Risk Reset using data from TransUnion. This page links to the indicator and the source website.

Equifax

1 indicator

American Default tracks The 60-Day Line using data from Equifax. This page links to the indicator and the source website.

The Conference Board

1 indicator

American Default tracks The Warning Light using data from The Conference Board. This page links to the indicator and the source website.

Bank of America Institute

1 indicator

American Default tracks The Squeeze using data from Bank of America Institute. This page links to the indicator and the source website.

Indeed

1 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

1 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.

Google Trends

1 indicator

American Default tracks The Search Signal using data from Google Trends. This page links to the indicator and the source website.

Bankrate

1 indicator

American Default tracks The Safety Net using data from Bankrate. This page links to the indicator and the source website.

WARNTracker

1 indicator

American Default tracks WARN Act Layoff Notices (Monthly) using data from WARNTracker. This page links to the indicator and the source website.

Academic & Nonprofit

University of Michigan

1 indicator

American Default tracks The Mood Ring using data from University of Michigan. This page links to the indicator and the source website.

METR

1 indicator

American Default tracks The Horizon using data from METR. This page links to the indicator and the source website.

Financial Health Network

1 indicator

American Default tracks Financial Health Score (FHN FinHealth Survey) using data from Financial Health Network. This page links to the indicator and the sour...

Opportunity Insights

1 indicator

American Default tracks The Divergence using data from Opportunity Insights. This page links to the indicator and the source website.

Derived Indicators

Computed / Derived Indicators

14 indicators

American Default tracks indicators using data from Computed / Derived Indicators, including The Coverage Tax, Credit Card Delinquency Spread — Outside Top 10...

For details on how these sources feed into the American Distress Index, see our methodology.

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