Board of Governors of the Federal Reserve System
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, and Charge-Off Rate on Credit Card Loans. This page links to the indicators and the source website.
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, and Charge-Off Rate on Credit Card Loans. This page links to the indicators and the source website. Data is updated automatically via API.
Indicators from Board of Governors of the Federal Reserve System
| 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, All Commercial Banks | 1.86% 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 | 6.7% Current | unknown | Quarterly | Context |
| Student Loan Borrowers Behind on Payments or in Collections | 20% Current | rising | Annual | Context |
| Total Consumer Credit Outstanding | $5.1669T Current | ▬ stable | Monthly | Context |
| Total Revolving Credit Outstanding | $1.3511T 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/
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.
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 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 The Bottom Half, 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 via API. Observation frequency varies by indicator: quarterly, annual, 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.