Federal Reserve Bank of New York
The NY Fed publishes the Quarterly Report on Household Debt and Credit, the Consumer Credit Panel (with Equifax), and consumer expectations surveys — the primary source for the ADI's debt composition and delinquency data.
American Default tracks 10 indicators from Federal Reserve Bank of New York, including Auto Loan Serious Delinquency 90+ Days (NY Fed CCP), The Repo Line, and HELOC Balances. The NY Fed publishes the Quarterly Report on Household Debt and Credit, the Consumer Credit Panel (with Equifax), and consumer expectations surveys — the primary source for the ADI's debt composition and delinquency data. Data is parsed from published reports.
Indicators from Federal Reserve Bank of New York
| Indicator | Current Value | Trend | Frequency | ADI Component |
|---|---|---|---|---|
| Auto Loan Serious Delinquency 90+ Days (NY Fed CCP) | 5.21% | rising | quarterly | Debt Stress |
| The Repo Line | 5.21% | rising | quarterly | Debt Stress |
| HELOC Balances | $433.6B | rising | quarterly | Buffer Depletion |
| Mortgage Origination Volume | $524.4B | rising | quarterly | Debt Stress |
| Serious Delinquency Rate (90+ Days, All Balances) | 3.12% | rising | quarterly | Debt Stress |
| The Spread | 36 | rising | annual | Context |
| Student Loan Delinquency Rate (90+ days) | 9.57% | falling | quarterly | Debt Stress |
| Plastic Ceiling | $1.3T | rising | quarterly | Buffer Depletion |
| Falling Behind | 4.81% | rising | quarterly | Debt Stress |
| Total Household Debt | $18.8T | rising | quarterly | Buffer Depletion |
How We Get This Data
Attribution & Licensing
Data attributed to: Federal Reserve Bank of New York
Official source: https://www.newyorkfed.org/
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 Bank of New York publish?
The NY Fed publishes the Quarterly Report on Household Debt and Credit, the Consumer Credit Panel (with Equifax), and consumer expectations surveys — the primary source for the ADI's debt composition and delinquency data.
How often does American Default update Federal Reserve Bank of New York data?
Federal Reserve Bank of New York data is parsed from published reports. Update frequency varies by indicator: quarterly, annual.
Is Federal Reserve Bank of New York data free to use?
Yes. Federal Reserve Bank of New York 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 Bank of New York data?
Federal Reserve Bank of New York data feeds into Debt Stress, Buffer Depletion. These indicators provide context but are not in the ADI composite calculation.