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.
American Default tracks 17 indicators from Federal Reserve, including The Bottom Half, Charge-Off Rate on All Loans, and Charge-Off Rate on Credit Card Loans. 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. Data is updated automatically via API.
Indicators from Federal Reserve
| Indicator | Reading | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| The Bottom Half | 2.5% Current | ▬ stable | quarterly | Context |
| Charge-Off Rate on All Loans | 0.57% Current | falling | quarterly | Context |
| Charge-Off Rate on Credit Card Loans | 3.84% Current | falling | quarterly | Default & Legal |
| Charge-Off Rate on Single-Family Residential Mortgages | 0% Current | unknown | quarterly | Default & Legal |
| The Card Tax | 20.94% Current | ▬ stable | quarterly | Context |
| The Other Banks | 6.43% Current | falling | quarterly | Context |
| Delinquency Rate on Consumer Loans (ex credit card) | 2.28% Current | falling | quarterly | Delinquency |
| The Late Fee | 2.92% Current | falling | quarterly | Delinquency |
| Delinquency Rate on Single-Family Residential Mortgages (90+ days) | 1.89% Current | rising | quarterly | Delinquency |
| Debt Service | 11.16% Current | ▬ stable | quarterly | Debt Burden |
| Mortgage Debt Service Ratio | 5.88% Current | ▬ stable | quarterly | Context |
| Revolving Credit Utilization (75th Percentile) | 50.47% Current | falling | quarterly | Context |
| The $400 Test | 37% Current | ▬ stable | annual | Context |
| Senior Loan Officer Survey: Banks Tightening Standards | 2% Current | falling | quarterly | Context |
| Student Loan Borrowers Behind on Payments or in Collections | 20% Current | rising | annual | Context |
| Total Consumer Credit Outstanding | $5154.5B Current | ▬ stable | monthly | Context |
| Total Revolving Credit Outstanding | $1344.2B Current | ▬ stable | monthly | Context |
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.
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 Default & Legal, Delinquency, Debt Burden. 6 indicators from this source are in the ADI composite calculation.