Federal Reserve
The Federal Reserve Board of Governors publishes bank supervision data, the Survey of Consumer Finances, the Senior Loan Officer Opinion Survey (SLOOS), and debt service ratios — core inputs to the ADI's Debt Stress and Buffer Depletion components.
American Default tracks 16 indicators from Federal Reserve, including Charge-Off Rate on All Loans, Charge-Off Rate on Credit Card Loans, and Charge-Off Rate on Single-Family Residential Mortgages. The Federal Reserve Board of Governors publishes bank supervision data, the Survey of Consumer Finances, the Senior Loan Officer Opinion Survey (SLOOS), and debt service ratios — core inputs to the ADI's Debt Stress and Buffer Depletion components. Data is updated automatically via API.
Indicators from Federal Reserve
| Indicator | Current Value | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Charge-Off Rate on All Loans | 0.61% | rising | quarterly | Legal Filings |
| Charge-Off Rate on Credit Card Loans | 4.11% | falling | quarterly | Debt Stress |
| Charge-Off Rate on Single-Family Residential Mortgages | 0% | unknown | quarterly | Legal Filings |
| The Card Tax | 20.97% | ▬ stable | quarterly | Cost Pressure / Financial Conditions |
| The Other Banks | 6.62% | falling | quarterly | Debt Stress |
| Delinquency Rate on Consumer Loans (ex credit card) | 2.27% | falling | quarterly | Debt Stress |
| The Late Fee | 2.94% | falling | quarterly | Debt Stress |
| Delinquency Rate on Single-Family Residential Mortgages (90+ days) | 1.78% | ▬ stable | quarterly | Debt Stress |
| Financial Obligations Ratio | 14.2% | ▬ stable | quarterly | Buffer Depletion |
| Debt Service | 11.26% | rising | quarterly | Buffer Depletion |
| Mortgage Debt Service Ratio | 5.89% | rising | quarterly | Buffer Depletion |
| Revolving Credit Utilization (75th Percentile) | 52.49% | rising | quarterly | Buffer Depletion |
| The $400 Test | 37% | ▬ stable | annual | Buffer Depletion |
| Senior Loan Officer Survey: Banks Tightening Standards | 0% | falling | quarterly | Cost Pressure / Financial Conditions |
| Total Consumer Credit Outstanding | $5114.7B | ▬ stable | monthly | Buffer Depletion |
| Total Revolving Credit Outstanding | $1329.0B | rising | monthly | Buffer Depletion |
How We Get This Data
Attribution & Licensing
Data attributed to: Board of Governors of the Federal Reserve System
Official source: https://www.federalreserve.gov/
Federal government data is in the public domain. American Default provides full attribution per each agency's terms of use. FRED-hosted data use is subject to the Federal Reserve Bank of St. Louis Terms of Use.
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
- All Sources — view all data sources
Frequently Asked Questions
What data does Federal Reserve publish?
The Federal Reserve Board of Governors publishes bank supervision data, the Survey of Consumer Finances, the Senior Loan Officer Opinion Survey (SLOOS), and debt service ratios — core inputs to the ADI's Debt Stress and Buffer Depletion components.
How often does American Default update Federal Reserve data?
Federal Reserve data is updated automatically via API. Update frequency varies by indicator: quarterly, annual, monthly.
Is Federal Reserve data free to use?
Yes. Federal Reserve is a public institution and its data is freely available. American Default provides proper attribution per the source's terms of use.
What American Distress Index components use Federal Reserve data?
Federal Reserve data feeds into Legal Filings, Debt Stress, Cost Pressure / Financial Conditions, Buffer Depletion. 4 indicators from this source are in the ADI composite calculation.