# American Default Research

> American Default Research tracks U.S. household financial distress through the
> American Distress Index (ADI), a quarterly composite of 10 member series across
> 5 equal-weighted domains: Delinquency, Default & Legal, Debt Burden,
> Labor, and Safety Net & Buffer. The site tracks 92 indicators in total.

## Canonical Attribution

### Three-tier naming

- **American Default Research** — institutional name. Use in source lists, bibliographies, press citations, schema.org attributions, and anywhere a reader expects to see the publishing organization.
- **American Default** — brand name. Used for the URL (americandefault.org), social handles, and conversational references.
- **American Distress Index (ADI)** — product name. Use only when referencing the national composite score itself.
- **County Distress Index (CDI)** — product name. Use only when referencing the county-level composite.

### Citation templates (copy-paste)

APA 7th:

    Kilburn, R. (2026). American Distress Index [Data set]. American Default Research. https://americandefault.org/methodology/

Chicago (author-date):

    Kilburn, Ross. 2026. "American Distress Index." American Default Research. https://americandefault.org/methodology/.

MLA 9th:

    Kilburn, Ross. "American Distress Index." American Default Research, 2026, americandefault.org/methodology/.

Plain text / news attribution:

    Source: American Default Research (americandefault.org)

Per-indicator machine-readable citations are available as BibTeX and RIS at `/citations/{slug}.bib` and `/citations/{slug}.ris` (see Machine Layer section below).

### Incorrect forms observed in external citations — do not use

The following variants have appeared in early outside references and are all incorrect:

- "American Default Index" — wrong (conflates brand and product)
- "American Distress Report" — wrong (invented name)
- "American Distress Index Inc" — wrong (no Inc. suffix)
- "AmericanDefault.org Research" — wrong (casual URL-form used as citation)

The canonical institutional name is "American Default Research". When unsure, use that form.

## Current Reading

ADI: 44.6 (Typical) as of 2025-Q4
Reading: On average, its inputs sit higher than in 45% of their own quarterly histories since 2005
Rank in history: The composite itself sits higher than 53% of all published quarters since 2005
Bands: 1=Minimal (0-20) | 2=Low (20-40) | 3=Typical (40-60) | 4=High (60-80) | 5=Severe (80-100)
Band label usage: labels apply to the national time axis only and always publish alongside the literal reading; state and county scores use ranks and quintile wording, never these labels
Indicators rising: 52 | falling: 30 | stable: 8

## Flat-Text Markdown Surface

Every indicator page and every composite index has a parallel markdown copy at `https://pdf.americandefault.org/for-llms/{slug}.md`. Each markdown file carries YAML frontmatter (title, summary, latest value, latest period, source, canonical HTML URL, APA/Chicago/MLA citations) and a prose body (current reading, recent values table, historical context, methodology, related indicators, machine-readable endpoints).

AI agents extracting citations or values should prefer the markdown surface over the rendered HTML page.

- [Master index](https://pdf.americandefault.org/for-llms/index.md): Every indicator + composite, organized by category
- [American Distress Index](https://pdf.americandefault.org/for-llms/adi.md): Composite household distress score
- [American Worker Index](https://pdf.americandefault.org/for-llms/awi.md): AI displacement composite
- [State Distress Index](https://pdf.americandefault.org/for-llms/state-adi.md): State-level distress ranking framework
- [County Distress Index](https://pdf.americandefault.org/for-llms/cdi.md): County-level CDI framework
- [Methodology](https://pdf.americandefault.org/for-llms/methodology.md): ADI/AWI/CDI methodology overview
- Per-indicator markdown: `https://pdf.americandefault.org/for-llms/{slug}.md` — replace `{slug}` with any indicator slug from the list below

## Key Finding

Buffer Depletion (savings rate + debt service) leads Debt Stress (bank-reported delinquency) by 9 quarters with r = 0.69. This relationship
preceded the 2008 mortgage delinquency spike by approximately 2.25 years.
In the ADI, the savings rate is the sole member of the Safety Net & Buffer
domain — one of 5 equal-weighted domains.

### Systematically Validated Leading Relationships

A five-filter pipeline (FDR-corrected cross-correlation, first-differenced series,
multi-crisis validation, Granger causality, out-of-sample validation) tested
64,897 indicator pairs
and identified 7 fully validated leading relationships:

- Initial Unemployment Claims (SA) → Continued Unemployment Claims (SA) (1q lag, r=0.95, 3 crises validated, OOS r=0.94)
- Initial Unemployment Claims (SA) → Unemployment Rate (1q lag, r=0.79, 2 crises validated, OOS r=0.79)
- CPI Inflation Rate (All Items) → Motor Vehicle Insurance CPI (3q lag, r=0.77, 2 crises validated, OOS r=0.87)
- Delinquency Rate on Credit Card Loans → Charge-Off Rate on All Loans (3q lag, r=0.76, 2 crises validated, OOS r=0.83)
- Energy CPI (All Items) → Lower-Income Wage Growth vs. Inflation Gap (1q lag, r=0.73, 2 crises validated, OOS r=0.81)
- Initial Unemployment Claims (SA) → U-6 Underemployment Rate (1q lag, r=0.72, 2 crises validated, OOS r=0.70)

### Structural Projections

American Default Research does not make forecasts. Where validated structural lag
relationships exist (e.g., Buffer Depletion leads Debt Stress by 9 quarters with r = 0.69),
these are noted as "structural projections" based on historical patterns.
The distinction: we observe that X has historically preceded Y by N quarters
with statistical significance — we do not claim X will cause Y.

## Core Pages

- [American Distress Index](https://americandefault.org/adi/): Current ADI score, band classification with reading, five-domain breakdown
- [Methodology](https://americandefault.org/methodology/): Percentile-of-own-history normalization, five equal-weighted domains, band thresholds
- [All Indicators](https://americandefault.org/indicators/): 92 tracked indicators with current values and historical data
- [Leading Indicator Discovery](https://americandefault.org/analysis/2026/02/leading-indicator-discovery/): structural lag research, kept separate from ADI fitted weights
- [Structural Outlook](https://americandefault.org/outlook/): Active structural projections based on validated leading indicator relationships
- [About](https://americandefault.org/about/): Project background, methodology overview, data sources
- [About the Author](https://americandefault.org/about/ross-kilburn/): Ross Kilburn — background, credentials, professional history

## Statistics & Research Pages

- [All Statistics](https://americandefault.org/statistics/): Index of all statistics roundup pages
- [Foreclosure Statistics 2026](https://americandefault.org/statistics/foreclosure-statistics/): Filing rates, FHA vs. conventional delinquency, serious delinquency trends
- [Consumer Debt Statistics 2026](https://americandefault.org/statistics/consumer-debt-statistics/): Credit card balances, auto loans, student debt, charge-off rates
- [Bankruptcy Statistics 2026](https://americandefault.org/statistics/bankruptcy-statistics/): Chapter 7 vs. Chapter 13 filings, Wipeout Ratio, charge-off correlation
- [Consumer Debt by State 2026](https://americandefault.org/statistics/consumer-debt-by-state/): State-level credit card delinquency, auto loan delinquency, per-capita debt
- [Mortgage Delinquency Statistics 2026](https://americandefault.org/statistics/mortgage-delinquency-2026/): FHA (11.52%) vs. conventional (1.78%) split — 6.5x multiplier
- [Grocery Price Increase Since 2020](https://americandefault.org/statistics/grocery-price-increase-since-2020/): +33.5% cumulative since January 2020, category breakdown
- [U.S. Default Rates 2026](https://americandefault.org/statistics/default-rates/): All loan types compared — credit card, mortgage, auto, student, FHA
- [Savings Rate Statistics 2026](https://americandefault.org/statistics/savings-rate-statistics/): Personal savings rate, emergency fund surveys, 9-quarter leading indicator
- [Student Loan Default Statistics 2026](https://americandefault.org/statistics/student-loan-default-statistics/): Delinquency rates, payment restart shock, burden ratios
- [Cost of Living Statistics 2026](https://americandefault.org/statistics/cost-of-living-statistics/): CPI by category, grocery cumulative, auto insurance, wage-CPI spread
- [Unemployment Statistics 2026](https://americandefault.org/statistics/unemployment-statistics/): U-3 vs U-6, initial claims, job postings, layoffs
- [Housing Affordability Statistics 2026](https://americandefault.org/statistics/housing-affordability-statistics/): Home prices, mortgage debt service, FHA vs conventional, HELOC
- [Credit Card Default Statistics 2026](https://americandefault.org/statistics/credit-card-default-statistics/): Delinquency rate (2.9%), charge-offs (3.8%), small-bank split (6.4%), cross-asset comparison
- [Auto Loan Delinquency Statistics 2026](https://americandefault.org/statistics/auto-loan-delinquency/): Delinquency trends, subprime divergence
- [Hardship Withdrawal Statistics 2026](https://americandefault.org/statistics/hardship-withdrawal-statistics/): 401(k) hardship rates, retirement cannibalization
- [Household Debt Statistics 2026](https://americandefault.org/statistics/household-debt-statistics/): Total household debt, debt service ratios, composition
- [Debt by State 2026](https://americandefault.org/statistics/debt-by-state/): 51-state delinquency, debt per capita, multi-metric rankings
- [Default Rates by State 2026](https://americandefault.org/statistics/default-rates-by-state/): CC, auto, mortgage delinquency + bankruptcy by state
- [Unemployment by State 2026](https://americandefault.org/statistics/unemployment-statistics-by-state/): LAUS data, state vs national comparison
- [State Distress Rankings 2026](https://americandefault.org/statistics/state-distress-rankings/): State Distress Index ranks, fifth wording, and family-domain breakdown
- [Most Changed This Month](https://americandefault.org/status/movers/): Top 15 worsening + improving indicators by YoY magnitude

## Help & Consumer Rights Pages

- [Help Hub](https://americandefault.org/help/): Overview of foreclosure, bankruptcy, and debt resources
- [Foreclosure Help](https://americandefault.org/help/foreclosure/): Hub for homeowners facing foreclosure
- [How Foreclosure Works](https://americandefault.org/help/foreclosure/how-it-works/): 6-stage process, judicial vs. non-judicial, glossary
- [Foreclosure Timeline by State](https://americandefault.org/help/foreclosure/timeline/): State-by-state minimum/typical timelines, federal 120-day rule
- [Your Foreclosure Rights](https://americandefault.org/help/foreclosure/your-rights/): CFPB Regulation X protections, loss mitigation options, state rights
- [Stop a Foreclosure](https://americandefault.org/help/foreclosure/stop-foreclosure/): 7-step action guide by stage, legal resources, scam warnings
- [Behind on Mortgage](https://americandefault.org/help/behind-on-mortgage/): Early-stage guide, forbearance options, HAF programs, HUD counselors
- [Short Sale Guide](https://americandefault.org/help/short-sale/): Qualification, process, tax implications, pitfalls
- [Bankruptcy Guide](https://americandefault.org/help/bankruptcy/): Chapter 7 vs. 13, automatic stay, exemptions, credit impact
- [Debt Collector Rights](https://americandefault.org/help/debt-collectors/): FDCPA protections, cease-and-desist, complaint process, state SOL table
- [State Foreclosure Laws](https://americandefault.org/help/laws/): All 50 states + DC foreclosure law summaries

## State Financial Distress Profiles (51)

Each state profile includes a State Distress Index score (4 domains), credit/debt metrics vs. national,
foreclosure law summary, bankruptcy filing rates, CFPB complaint density, and safety net assessment.

- [State Index](https://americandefault.org/states/): All 50 states + DC ranked by State Distress Index score
- Individual profiles at /states/{state-slug}/ (e.g., /states/california/, /states/texas/)

## County-Level Distress Index

The County Distress Index (CDI) ranks 3,144 U.S. counties using
the family taxonomy: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer.
Each county gets a national rank and fifth wording. County pages do not use ADI national band labels.
Current CDI coverage: 2,790 counties fully covered, with imputation and confidence flags published where needed.
Data sourced from Urban Institute/Equifax, BLS, Census Bureau, US Courts, HUD, BEA, FHFA, and related public sources.

### CDI Family Domains

| Domain | Measures |
|--------|----------|
| Delinquency | Auto-loan delinquency, credit-card delinquency, subprime credit share |
| Default & Legal | Debt in collections, bankruptcy filing rate |
| Debt Burden | Rent-to-income ratio, severe renter burden |
| Labor | Unemployment rate |
| Safety Net & Buffer | Poverty, child poverty, disability, SNAP, EITC, transfer income, income, uninsured rate |

### CDI Fifths

- Least distressed fifth
- Second-least distressed fifth
- Middle fifth
- Second-most distressed fifth
- Most distressed fifth

### CDI Data Sources

Public sources include Urban Institute Debt in America, FRED/Equifax subprime credit, BLS LAUS, Census ACS and SAIPE, HUD Fair Market Rents, U.S. Courts bankruptcy filings, FHFA House Price Index, and Bureau of Economic Analysis personal income. No proprietary data.

- [County Hub](https://americandefault.org/counties/): National overview, interactive map, top/bottom counties
- [Alabama Counties](https://americandefault.org/counties/alabama/)
- [Alaska Counties](https://americandefault.org/counties/alaska/)
- [Arizona Counties](https://americandefault.org/counties/arizona/)
- [Arkansas Counties](https://americandefault.org/counties/arkansas/)
- [California Counties](https://americandefault.org/counties/california/)
- [Colorado Counties](https://americandefault.org/counties/colorado/)
- [Connecticut Counties](https://americandefault.org/counties/connecticut/)
- [Delaware Counties](https://americandefault.org/counties/delaware/)
- [District of Columbia Counties](https://americandefault.org/counties/district-of-columbia/)
- [Florida Counties](https://americandefault.org/counties/florida/)
- [Georgia Counties](https://americandefault.org/counties/georgia/)
- [Hawaii Counties](https://americandefault.org/counties/hawaii/)
- [Idaho Counties](https://americandefault.org/counties/idaho/)
- [Illinois Counties](https://americandefault.org/counties/illinois/)
- [Indiana Counties](https://americandefault.org/counties/indiana/)
- [Iowa Counties](https://americandefault.org/counties/iowa/)
- [Kansas Counties](https://americandefault.org/counties/kansas/)
- [Kentucky Counties](https://americandefault.org/counties/kentucky/)
- [Louisiana Counties](https://americandefault.org/counties/louisiana/)
- [Maine Counties](https://americandefault.org/counties/maine/)
- [Maryland Counties](https://americandefault.org/counties/maryland/)
- [Massachusetts Counties](https://americandefault.org/counties/massachusetts/)
- [Michigan Counties](https://americandefault.org/counties/michigan/)
- [Minnesota Counties](https://americandefault.org/counties/minnesota/)
- [Mississippi Counties](https://americandefault.org/counties/mississippi/)
- [Missouri Counties](https://americandefault.org/counties/missouri/)
- [Montana Counties](https://americandefault.org/counties/montana/)
- [Nebraska Counties](https://americandefault.org/counties/nebraska/)
- [Nevada Counties](https://americandefault.org/counties/nevada/)
- [New Hampshire Counties](https://americandefault.org/counties/new-hampshire/)
- [New Jersey Counties](https://americandefault.org/counties/new-jersey/)
- [New Mexico Counties](https://americandefault.org/counties/new-mexico/)
- [New York Counties](https://americandefault.org/counties/new-york/)
- [North Carolina Counties](https://americandefault.org/counties/north-carolina/)
- [North Dakota Counties](https://americandefault.org/counties/north-dakota/)
- [Ohio Counties](https://americandefault.org/counties/ohio/)
- [Oklahoma Counties](https://americandefault.org/counties/oklahoma/)
- [Oregon Counties](https://americandefault.org/counties/oregon/)
- [Pennsylvania Counties](https://americandefault.org/counties/pennsylvania/)
- [Rhode Island Counties](https://americandefault.org/counties/rhode-island/)
- [South Carolina Counties](https://americandefault.org/counties/south-carolina/)
- [South Dakota Counties](https://americandefault.org/counties/south-dakota/)
- [Tennessee Counties](https://americandefault.org/counties/tennessee/)
- [Texas Counties](https://americandefault.org/counties/texas/)
- [Utah Counties](https://americandefault.org/counties/utah/)
- [Vermont Counties](https://americandefault.org/counties/vermont/)
- [Virginia Counties](https://americandefault.org/counties/virginia/)
- [Washington Counties](https://americandefault.org/counties/washington/)
- [West Virginia Counties](https://americandefault.org/counties/west-virginia/)
- [Wisconsin Counties](https://americandefault.org/counties/wisconsin/)
- [Wyoming Counties](https://americandefault.org/counties/wyoming/)

## Interactive Tools

- [Tools Hub](https://americandefault.org/tools/): All free interactive tools
- [Exposure Check Quiz](https://americandefault.org/tools/exposure-check/): 6-question financial distress assessment
- [Hardship Letter Generator](https://americandefault.org/tools/hardship-letter/): Guided loss mitigation letter builder
- [Foreclosure Timeline Calculator](https://americandefault.org/tools/foreclosure-timeline/): State-specific timeline estimator
- [Servicer Report Card](https://americandefault.org/tools/servicer-report/): CFPB complaint analysis per servicer
- [Financial Worksheet](https://americandefault.org/tools/financial-worksheet/): DTI calculator + modification eligibility
- [Document Tracker](https://americandefault.org/tools/document-tracker/): Loss mitigation document prep checklist
- [Tariff Calculator](https://americandefault.org/tools/tariff-calculator/): Estimated tariff cost by income quintile
- [Zip Code Stress Test](https://americandefault.org/tools/zip-check/): State-level distress assessment by zip

## Analysis Articles

- [Household Distress Through the Family Lens](https://americandefault.org/analysis/2026/03/q1-2026-update/): family-method routing note for the retired quarterly ADI update
- [Retirement Cannibalization](https://americandefault.org/analysis/2026/03/retirement-cannibalization/): hardship-withdrawal context with ADI composite boundaries kept explicit
- [The FHA Signal Thesis](https://americandefault.org/analysis/2026/03/fha-signal-thesis/): FHA borrower-split analysis reframed for family-method ADI
- [Savings Leading Indicator](https://americandefault.org/analysis/2026/03/savings-leading-indicator/): structural lag evidence kept separate from fitted index weights
- [The Two-Economy Problem](https://americandefault.org/analysis/2026/03/two-economy-problem/): aggregate-vs-borrower-split measurement note after the family cutover
- [AI Displacement and Default](https://americandefault.org/analysis/2026/03/ai-displacement-default/): AWI and ADI measurement boundaries
- [State of the Buffer](https://americandefault.org/analysis/2026/03/state-of-the-buffer-q1-2026/): Safety Net & Buffer domain context after the family cutover
- [State Distress Rankings 2026](https://americandefault.org/statistics/state-distress-rankings/): All 50 states plus DC ranked by financial distress
- [Foreclosure Now](https://americandefault.org/analysis/foreclosure-now/): Why foreclosure filings are rising while unemployment is low — the escrow trap and the FHA vintage problem
- [The Savings Story](https://americandefault.org/analysis/2026/04/the-savings-story/): savings-flow versus household-reserve measurement note
- [Credit Card Defaults Now](https://americandefault.org/analysis/2026/04/credit-card-defaults-now/): delinquency and charge-off domains after the family cutover

## Financial Distress Glossary (247 terms)

Plain-English definitions of foreclosure, bankruptcy, mortgage, debt, and consumer finance
terminology — enriched with live ADI data, state-by-state legal variations, and DefinedTerm schema.

- [Glossary Hub](https://americandefault.org/glossary/): Master index of all 247 terms across 17 topic clusters
- [Foreclosure Terms](https://americandefault.org/glossary/foreclosure-terms/): Legal process, timelines, notice of default, REO, deficiency judgments
- [Loss Mitigation Terms](https://americandefault.org/glossary/loss-mitigation-terms/): Forbearance, loan modification, short sale, deed in lieu
- [Mortgage Default Terms](https://americandefault.org/glossary/mortgage-default-terms/): Delinquency, default, charge-off definitions and thresholds
- [Bankruptcy Terms](https://americandefault.org/glossary/bankruptcy-terms/): Chapter 7, Chapter 13, automatic stay, means test, discharge
- [Debt Collection Terms](https://americandefault.org/glossary/debt-collection-terms/): FDCPA, garnishment, debt validation, statute of limitations
- [Loan Types](https://americandefault.org/glossary/loan-types/): FHA, VA, conventional, subprime, ARM, reverse mortgage
- [Mortgage Terms](https://americandefault.org/glossary/mortgage-terms/): Amortization, PMI, closing costs, home equity, MBS, secondary market
- [Credit Terms](https://americandefault.org/glossary/credit-terms/): FICO, credit bureaus, utilization, inquiries, credit freeze
- [Housing Market Terms](https://americandefault.org/glossary/housing-market-terms/): Affordability, home prices, inventory, housing starts, cost burden
- [Consumer Debt Terms](https://americandefault.org/glossary/consumer-debt-terms/): Credit cards, auto loans, debt consolidation, APR, repayment strategies
- [Regulatory Terms](https://americandefault.org/glossary/regulatory-terms/): CFPB, RESPA, TILA, Dodd-Frank, QM Rule, ECOA, Regulation X
- [Financial Hardship Terms](https://americandefault.org/glossary/financial-hardship-terms/): Hardship withdrawals, emergency funds, debt service ratios
- [Eviction & Rental Terms](https://americandefault.org/glossary/eviction-terms/): Eviction process, tenant rights, rental assistance
- [Government Programs](https://americandefault.org/glossary/government-programs/): HAF, SNAP, LIHEAP, Section 8
- [Student Debt Terms](https://americandefault.org/glossary/student-debt-terms/): Default, IDR, PSLF, rehabilitation, consolidation
- [Economic Indicator Terms](https://americandefault.org/glossary/economic-indicator-terms/): Inflation, CPI, unemployment, interest rates, GDP, recession
- [Retirement & Savings Terms](https://americandefault.org/glossary/retirement-terms/): 401(k), IRA, hardship distributions, savings rate, Social Security

## All Tracked Indicators (92)

Each indicator page includes historical data, trend analysis, and connection to the ADI composite.

- [401(k) Loan Outstanding Rate](https://americandefault.org/indicators/401-k-loan-outstanding-rate/) [rising]: 13percent
- [The Horizon — AI Autonomous Task Horizon (METR)](https://americandefault.org/indicators/the-horizon/) [rising]: 1044.8hours
- [AI Job Posting Share (% of Total)](https://americandefault.org/indicators/ai-job-posting-share-of-total/) [rising]: 5.68percent
- [The AI Cut — AI-Attributed Layoff Announcements](https://americandefault.org/indicators/the-ai-cut/) [rising]: 38.6thousands
- [Annual Homelessness Assessment (PIT Count)](https://americandefault.org/indicators/annual-homelessness-assessment-pit-count/) [rising]: 771480count
- [Atlanta Fed Wage Growth Tracker (1st Quartile)](https://americandefault.org/indicators/atlanta-fed-wage-growth-tracker-1st-quartile/) [rising]: 3.6percent
- [The Coverage Tax — Auto Insurance Inflation Premium (Auto CPI minus Overall CPI)](https://americandefault.org/indicators/the-coverage-tax/) [falling]: 1.9608percentage_points
- [Auto Loan Serious Delinquency 90+ Days (NY Fed CCP)](https://americandefault.org/indicators/auto-loan-serious-delinquency-90-days-ny-fed-ccp/) [rising]: 5.20755848830234percent
- [The Repo Line — Auto Loan Serious Delinquency Rate (90+ days)](https://americandefault.org/indicators/the-repo-line/) [rising]: 5.20755848830234percent
- [The Safety Net — Bankrate Emergency Savings Survey](https://americandefault.org/indicators/the-safety-net/) [falling]: 41percent
- [The Wipeout Ratio — Bankruptcy Chapter 7 to Chapter 13 Filing Ratio](https://americandefault.org/indicators/the-wipeout-ratio/) [rising]: 1.75ratio
- [Bankruptcy Filings — Bankruptcy Filings YoY Change](https://americandefault.org/indicators/bankruptcy-filings/) [rising]: 11.9percent
- [The Adoption Curve — Business AI Adoption Rate](https://americandefault.org/indicators/the-adoption-curve/) [rising]: 10percent
- [Phantom Debt — Buy Now Pay Later Lending Volume](https://americandefault.org/indicators/phantom-debt/) [rising]: 65.3billions_usd
- [CFPB Consumer Complaint Volume](https://americandefault.org/indicators/cfpb-consumer-complaint-volume/) [rising]: 662917count
- [Pink Slips — Challenger Job Cut Announcements](https://americandefault.org/indicators/pink-slips/) [rising]: 97thousands
- [Chapter 13 Bankruptcy Filings (YoY % Change)](https://americandefault.org/indicators/chapter-13-bankruptcy-filings-yoy-change/) [rising]: 6.3percent
- [Chapter 7 Bankruptcy Filings (YoY % Change)](https://americandefault.org/indicators/chapter-7-bankruptcy-filings-yoy-change/) [falling]: 15.3percent
- [Charge-Off Rate on All Loans](https://americandefault.org/indicators/charge-off-rate-on-all-loans/) [falling]: 0.57percent
- [Charge-Off Rate on Credit Card Loans](https://americandefault.org/indicators/charge-off-rate-on-credit-card-loans/) [falling]: 3.84percent
- [Charge-Off Rate on Single-Family Residential Mortgages](https://americandefault.org/indicators/charge-off-rate-on-single-family-residential-mortgages/): 0percent
- [The Card Tax — Commercial Bank Interest Rate on Credit Card Plans](https://americandefault.org/indicators/the-card-tax/) [falling]: 21percent
- [The Warning Light — Conference Board Consumer Expectations Index](https://americandefault.org/indicators/the-warning-light/) [rising]: 74.4index
- [Continued Unemployment Claims (SA)](https://americandefault.org/indicators/continued-unemployment-claims-sa/): 1795000count
- [First Missed — CoreLogic Early-Stage Delinquency Transitions](https://americandefault.org/indicators/first-missed/) [falling]: 0.7percent
- [County-Level Food Insecurity Rate](https://americandefault.org/indicators/county-level-food-insecurity-rate/) [rising]: 13.5percent
- [CPI Inflation Rate (All Items)](https://americandefault.org/indicators/cpi-inflation-rate-all-items/) [rising]: 4.166614684049641percent
- [The Other Banks — Credit Card Delinquency Rate — Banks Outside Top 100](https://americandefault.org/indicators/the-other-banks/) [falling]: 6.43percent
- [Delinquency Rate on Consumer Loans (ex credit card)](https://americandefault.org/indicators/delinquency-rate-on-consumer-loans-ex-credit-card/) [falling]: 2.28percent
- [The Late Fee — Delinquency Rate on Credit Card Loans](https://americandefault.org/indicators/the-late-fee/) [falling]: 2.92percent
- [Delinquency Rate on Single-Family Residential Mortgages (90+ days)](https://americandefault.org/indicators/delinquency-rate-on-single-family-residential-mortgages-90-days/) [rising]: 1.89percent
- [The Pinch — Difficulty Paying Usual Household Expenses](https://americandefault.org/indicators/the-pinch/): 37.1percent
- [The Energy Squeeze — Energy Cost Burden (Energy PCE as % of Disposable Income)](https://americandefault.org/indicators/the-energy-squeeze/) [rising]: 3.4264percent
- [Energy CPI (All Items)](https://americandefault.org/indicators/energy-cpi-all-items/) [rising]: 22.972869920145843percent
- [The 60-Day Line — Equifax Monthly Credit Trends (Delinquency)](https://americandefault.org/indicators/the-60-day-line/) [falling]: 3.03percent
- [The FHA Signal — FHA Mortgage Delinquency Rate](https://americandefault.org/indicators/the-fha-signal/) [rising]: 11.52percent
- [Financial Health Score (FHN FinHealth Survey)](https://americandefault.org/indicators/financial-health-score-fhn-finhealth-survey/) [falling]: 30index
- [Food and Beverages CPI](https://americandefault.org/indicators/food-and-beverages-cpi/) [rising]: 3.0779321306806384percent
- [Foreclosure Filings — Foreclosure Filings YoY Change](https://americandefault.org/indicators/foreclosure-filings/) [rising]: 32percent
- [The Pipeline — Foreclosure Starts vs Completions Ratio](https://americandefault.org/indicators/the-pipeline/) [falling]: 4.75ratio
- [The Pump Tax — Gas Affordability Ratio](https://americandefault.org/indicators/the-pump-tax/) [rising]: 1.1377percent
- [The Search Signal — Google Search Interest: Financial Distress](https://americandefault.org/indicators/the-search-signal/) [rising]: 64index
- [The Grocery Gap — Grocery Affordability Gap (AHE YoY minus Food-at-Home CPI YoY)](https://americandefault.org/indicators/the-grocery-gap/) [falling]: 0.3675percentage_points
- [Grocery Prices Cumulative Change Since Jan 2020](https://americandefault.org/indicators/grocery-prices-cumulative-change-since-jan-2020/) [rising]: 33.53percent
- [Healthcare Inflation Premium (Medical CPI minus Overall CPI)](https://americandefault.org/indicators/healthcare-inflation-premium-medical-cpi-minus-overall-cpi/) [falling]: -1.5746percentage_points
- [HELOC Balance Growth](https://americandefault.org/indicators/heloc-balance-growth/) [rising]: 433.59999999999997billions_usd
- [Debt Service — Household Debt Service Ratio](https://americandefault.org/indicators/debt-service/) [rising]: 11.323096percent
- [The Import Tax — Household Tariff Burden (Estimated Tariff Cost as % of Disposable Income)](https://americandefault.org/indicators/the-import-tax/) [rising]: 1.72percent
- [Indeed Job Postings Index (US)](https://americandefault.org/indicators/indeed-job-postings-index-us/): 100.19index
- [The Tech Drought — Information Sector Job Openings (NAICS 51)](https://americandefault.org/indicators/the-tech-drought/) [rising]: 87thousands
- [Initial Unemployment Claims (SA)](https://americandefault.org/indicators/initial-unemployment-claims-sa/) [rising]: 229000count
- [JOLTS Quits Rate](https://americandefault.org/indicators/jolts-quits-rate/): 1.9percent
- [Large vs Small Bank Credit Card Delinquency Spread](https://americandefault.org/indicators/large-vs-small-bank-credit-card-delinquency-spread/) [falling]: 3.51percentage_points
- [The K-Shape — Lower-Income Wage Growth vs. Inflation Gap](https://americandefault.org/indicators/the-k-shape/) [falling]: 1.1percentage_points
- [Median Sales Price of Houses Sold (US)](https://americandefault.org/indicators/median-sales-price-of-houses-sold-us/) [falling]: 403200dollars
- [Medicaid / CHIP Enrollment (Monthly)](https://americandefault.org/indicators/medicaid-chip-enrollment-monthly/) [falling]: 76800000count
- [Medical Care CPI](https://americandefault.org/indicators/medical-care-cpi/) [falling]: 2.5920601723311787percent
- [Mortgage Debt Service Ratio](https://americandefault.org/indicators/mortgage-debt-service-ratio/) [rising]: 5.92285percent
- [Mortgage Origination Volume](https://americandefault.org/indicators/mortgage-origination-volume/) [rising]: 524.42billions_usd
- [Motor Vehicle Insurance CPI](https://americandefault.org/indicators/motor-vehicle-insurance-cpi/) [rising]: 6.127423380815644percent
- [The Tightening — NFCI Non-Financial Leverage Subindex](https://americandefault.org/indicators/the-tightening/) [rising]: -0.39index
- [Part-Time for Economic Reasons](https://americandefault.org/indicators/part-time-for-economic-reasons/) [rising]: 4805count
- [The Buffer — Personal Saving Rate](https://americandefault.org/indicators/the-buffer/) [falling]: 2.6percent
- [Prescription Drug CPI](https://americandefault.org/indicators/prescription-drug-cpi/) [falling]: -2.0186477883102016percent
- [Residential Utility Service Disconnections](https://americandefault.org/indicators/utility-service-disconnections/): 15098448count
- [Revolving Credit Utilization (75th Percentile)](https://americandefault.org/indicators/revolving-credit-utilization-75th-percentile/) [rising]: 53.99percent
- [Senior Loan Officer Survey: Banks Tightening Standards](https://americandefault.org/indicators/senior-loan-officer-survey-banks-tightening-standards/) [falling]: 2percent
- [Serious Delinquency Rate (90+ days, All Loan Types)](https://americandefault.org/indicators/serious-delinquency-rate-90-days-all-loan-types/) [rising]: 3.1215560538355427percent
- [The Skip Rate — Share of Adults Skipping Bill Payments](https://americandefault.org/indicators/the-skip-rate/) [falling]: 18.5percent
- [The Squeeze — Share of Americans Living Paycheck to Paycheck](https://americandefault.org/indicators/the-squeeze/) [rising]: 24percent
- [The $400 Test — SHED Emergency Savings Survey](https://americandefault.org/indicators/the-400-test/): 37percent
- [Shelter CPI](https://americandefault.org/indicators/shelter-cpi/) [rising]: 3.353947873627483percent
- [SNAP (Food Stamp) Enrollment](https://americandefault.org/indicators/snap-food-stamp-enrollment/) [falling]: 37870817count
- [The Spread — States with Credit Card Delinquency Above 10%](https://americandefault.org/indicators/the-spread/) [rising]: 36count
- [Student Loan Delinquency Rate (90+ days)](https://americandefault.org/indicators/student-loan-delinquency-rate-90-days/) [falling]: 9.567307692307692percent
- [Student Loan Payment Burden (% of Discretionary Income)](https://americandefault.org/indicators/student-loan-payment-burden-of-discretionary-income/) [rising]: 20percent
- [The Divergence — Top vs Bottom Income Quartile Spending Gap](https://americandefault.org/indicators/the-divergence/) [falling]: -11.1percentage_points
- [Total Consumer Credit Outstanding](https://americandefault.org/indicators/total-consumer-credit-outstanding/): 5153090.64millions_usd
- [Plastic Ceiling — Total Credit Card Debt Outstanding](https://americandefault.org/indicators/plastic-ceiling/) [rising]: 1277billions_usd
- [Falling Behind — Total Delinquency Rate (All Loan Types)](https://americandefault.org/indicators/falling-behind/) [rising]: 4.806472732977354percent
- [Total Household Debt](https://americandefault.org/indicators/total-household-debt/) [rising]: 18775.7billions_usd
- [Total Nonfarm Payrolls](https://americandefault.org/indicators/total-nonfarm-payrolls/): 159001count
- [Total Revolving Credit Outstanding](https://americandefault.org/indicators/total-revolving-credit-outstanding/) [rising]: 1348688.3millions_usd
- [The Risk Reset — TransUnion Subprime Auto/Card Originations](https://americandefault.org/indicators/the-risk-reset/) [rising]: 2.58percent
- [U-6 Underemployment Rate](https://americandefault.org/indicators/u-6-underemployment-rate/) [rising]: 8.1percent
- [Unbanked / Underbanked Household Rate](https://americandefault.org/indicators/unbanked-underbanked-household-rate/) [falling]: 4.2percent
- [Unemployment Rate](https://americandefault.org/indicators/unemployment-rate/): 4.3percent
- [The Mood Ring — University of Michigan Consumer Sentiment Index](https://americandefault.org/indicators/the-mood-ring/) [falling]: 49.8index
- [The Cannibalization Rate — Vanguard Hardship Withdrawal Rate](https://americandefault.org/indicators/the-cannibalization-rate/) [rising]: 6percent
- [Wage Growth vs CPI Spread](https://americandefault.org/indicators/wage-growth-vs-cpi-spread/) [falling]: -0.5792percentage_points
- [WARN Act Layoff Notices (Monthly)](https://americandefault.org/indicators/warn-act-layoff-notices-monthly/) [rising]: 39118count
- [Youth Unemployment Rate (16-24)](https://americandefault.org/indicators/youth-unemployment-rate-16-24/) [rising]: 9.4percent

## Machine Layer — Agent Endpoints

This section catalogs every machine-consumable surface. All endpoints are free to use with attribution (see Canonical Attribution above).

### Structured Claim Primitives (composition library)

Every numeric claim on americandefault.org is rendered through one of 14 composition primitives, not hand-written prose. This is an architectural guarantee: raw numbers in prose fail the build. Agents that parse our pages can rely on the fact that any value-bearing phrase resolves from a versioned indicator bundle.

The core primitives:

- `LatestValue` — current value of an indicator with unit formatting (e.g. "4.00% in February 2026")
- `PeriodChange` — change over a named window: year-over-year, since-peak, crisis episode, out-of-range delta
- `Direction` — "rising" / "falling" / "flat" with recency window and sign-flip safety
- `RankSince` — "lowest since 2007" / "highest since the GFC peak" — epoch-qualified extrema
- `Superlative` — all-time peaks and troughs with epoch qualifiers
- `Streak` — sustained runs above or below a threshold, with natural-English duration phrasing
- `CrossCountyRank` — "Dougherty County ranks 12th of 3,144 on Delinquency"
- `ClaimSentence` — templated sentences with pre-computed arithmetic bindings

Primitives read from indicator bundles at `site/src/data/indicator-bundles/{slug}.json`. Schema contract: see `docs/indicator_bundle_schema.md` in the repository. Bundle contents include latest snapshot, full historical series, pre-computed aggregates (period averages, crisis deltas, all-time extremes, sustained runs, sign-flip detection), and optional cross-indicator references.

### MCP Server (Model Context Protocol)

Native MCP endpoint exposing indicators and counties as read-only tool endpoints with schemas, rate limits, and version gates. Tool endpoints include `get_indicator(slug)`, `get_county_scorecard(fips)`, `get_adi_composite()`, `search_indicators(query)`, and `get_cross_correlations(indicator)`. Responses include a `schema_version` header for forward-compatibility.

Endpoint: https://mcp.americandefault.org/mcp
Transport: Streamable HTTP.
Anonymous tier (no key): 10 calls/minute, 60/hour, per IP block. Plenty for normal agent use.
Issued tier (60 calls/minute, 600/hour): request via https://americandefault.org/press/mcp/
Connection examples (Python SDK, Claude Desktop config), tool reference, and citation guidance: https://americandefault.org/press/mcp/

### JSON Endpoints

- [ADI Current + History](https://americandefault.org/api/adi.json): Current score with band + reading + rank-in-history, domain scores, member percentiles, full quarterly history
- [All Indicators](https://americandefault.org/api/indicators.json): 92 indicators with current values, trends, page URLs
- [Leading Indicator Research](https://americandefault.org/api/research/leading-indicators.json): Validated leading relationships with correlation, lag, Granger causality, out-of-sample validation
- [Per-indicator JSON](https://americandefault.org/api/indicators/{slug}.json): Full historical data; replace `{slug}` with any indicator slug from the list below

### CSV Downloads

- [CSV: All Indicators Latest](https://americandefault.org/api/downloads/all-indicators-latest.csv): Latest values for all indicators in CSV
- [CSV: ADI History](https://americandefault.org/api/downloads/adi.csv): Quarterly ADI composite with band labels and five domain scores
- [CSV: State Debt Statistics](https://americandefault.org/api/downloads/state-debt-statistics.csv): 51-state debt and delinquency metrics
- [Per-indicator CSV](https://americandefault.org/api/downloads/{slug}.csv): Full series; replace `{slug}` with any indicator slug

### Citation Exports (per-indicator)

Machine-readable bibliography entries for every tracked indicator.

- [BibTeX](https://americandefault.org/citations/{slug}.bib): `@dataset` entry with `author`, `title`, `year`, `publisher`, `url`, `note`
- [RIS](https://americandefault.org/citations/{slug}.ris): Reference Manager / EndNote import format

Replace `{slug}` with any indicator slug from the list below.

### Embed Routes (iframe-safe)

- [Indicator embed](https://americandefault.org/embed/{slug}/): Thinned chart + source attribution, `X-Frame-Options: ALLOWALL`. Replace `{slug}` with any indicator slug.
- [County embed](https://americandefault.org/embed/county/{fips}/): Scorecard summary + CDI rank + attribution lock. Replace `{fips}` with a 5-digit county FIPS code.

### RSS Feed

- [RSS 2.0](https://americandefault.org/feed.xml): Indicators sorted by `last_updated`. Subscribe for auto-notification when any tracked indicator refreshes.

### Sitemaps

- [Sitemap index](https://americandefault.org/sitemap-index.xml): Entry point for all per-collection sitemap chunks (counties, indicators, statistics, analysis, help, states, glossary, servicers, tools, directory)

### Schema.org JSON-LD

Every page embeds structured data where applicable. Schema types in use: `Organization` (American Default Research), `Person` (Ross Kilburn), `Dataset` (ADI, CDI, each indicator), `Article`, `DefinedTerm` (glossary entries), `FAQPage`, `StatisticalPopulation` (state/county data points), and `WebSite` with SearchAction. All include `dateModified` for freshness signaling.

### Per-Indicator Endpoint Index

Full list of indicators with markdown, JSON, CSV, and BibTeX endpoint URLs:

- 401(k) Loan Outstanding Rate: [Markdown](https://pdf.americandefault.org/for-llms/401-k-loan-outstanding-rate.md) · [JSON](https://americandefault.org/api/indicators/401-k-loan-outstanding-rate.json) · [CSV](https://americandefault.org/api/downloads/401-k-loan-outstanding-rate.csv) · [BibTeX](https://americandefault.org/citations/401-k-loan-outstanding-rate.bib)
- AI Autonomous Task Horizon (METR): [Markdown](https://pdf.americandefault.org/for-llms/the-horizon.md) · [JSON](https://americandefault.org/api/indicators/the-horizon.json) · [CSV](https://americandefault.org/api/downloads/the-horizon.csv) · [BibTeX](https://americandefault.org/citations/the-horizon.bib)
- AI Job Posting Share (% of Total): [Markdown](https://pdf.americandefault.org/for-llms/ai-job-posting-share-of-total.md) · [JSON](https://americandefault.org/api/indicators/ai-job-posting-share-of-total.json) · [CSV](https://americandefault.org/api/downloads/ai-job-posting-share-of-total.csv) · [BibTeX](https://americandefault.org/citations/ai-job-posting-share-of-total.bib)
- AI-Attributed Layoff Announcements: [Markdown](https://pdf.americandefault.org/for-llms/the-ai-cut.md) · [JSON](https://americandefault.org/api/indicators/the-ai-cut.json) · [CSV](https://americandefault.org/api/downloads/the-ai-cut.csv) · [BibTeX](https://americandefault.org/citations/the-ai-cut.bib)
- Annual Homelessness Assessment (PIT Count): [Markdown](https://pdf.americandefault.org/for-llms/annual-homelessness-assessment-pit-count.md) · [JSON](https://americandefault.org/api/indicators/annual-homelessness-assessment-pit-count.json) · [CSV](https://americandefault.org/api/downloads/annual-homelessness-assessment-pit-count.csv) · [BibTeX](https://americandefault.org/citations/annual-homelessness-assessment-pit-count.bib)
- Atlanta Fed Wage Growth Tracker (1st Quartile): [Markdown](https://pdf.americandefault.org/for-llms/atlanta-fed-wage-growth-tracker-1st-quartile.md) · [JSON](https://americandefault.org/api/indicators/atlanta-fed-wage-growth-tracker-1st-quartile.json) · [CSV](https://americandefault.org/api/downloads/atlanta-fed-wage-growth-tracker-1st-quartile.csv) · [BibTeX](https://americandefault.org/citations/atlanta-fed-wage-growth-tracker-1st-quartile.bib)
- Auto Insurance Inflation Premium (Auto CPI minus Overall CPI): [Markdown](https://pdf.americandefault.org/for-llms/the-coverage-tax.md) · [JSON](https://americandefault.org/api/indicators/the-coverage-tax.json) · [CSV](https://americandefault.org/api/downloads/the-coverage-tax.csv) · [BibTeX](https://americandefault.org/citations/the-coverage-tax.bib)
- Auto Loan Serious Delinquency 90+ Days (NY Fed CCP): [Markdown](https://pdf.americandefault.org/for-llms/auto-loan-serious-delinquency-90-days-ny-fed-ccp.md) · [JSON](https://americandefault.org/api/indicators/auto-loan-serious-delinquency-90-days-ny-fed-ccp.json) · [CSV](https://americandefault.org/api/downloads/auto-loan-serious-delinquency-90-days-ny-fed-ccp.csv) · [BibTeX](https://americandefault.org/citations/auto-loan-serious-delinquency-90-days-ny-fed-ccp.bib)
- Auto Loan Serious Delinquency Rate (90+ days): [Markdown](https://pdf.americandefault.org/for-llms/the-repo-line.md) · [JSON](https://americandefault.org/api/indicators/the-repo-line.json) · [CSV](https://americandefault.org/api/downloads/the-repo-line.csv) · [BibTeX](https://americandefault.org/citations/the-repo-line.bib)
- Bankrate Emergency Savings Survey: [Markdown](https://pdf.americandefault.org/for-llms/the-safety-net.md) · [JSON](https://americandefault.org/api/indicators/the-safety-net.json) · [CSV](https://americandefault.org/api/downloads/the-safety-net.csv) · [BibTeX](https://americandefault.org/citations/the-safety-net.bib)
- Bankruptcy Chapter 7 to Chapter 13 Filing Ratio: [Markdown](https://pdf.americandefault.org/for-llms/the-wipeout-ratio.md) · [JSON](https://americandefault.org/api/indicators/the-wipeout-ratio.json) · [CSV](https://americandefault.org/api/downloads/the-wipeout-ratio.csv) · [BibTeX](https://americandefault.org/citations/the-wipeout-ratio.bib)
- Bankruptcy Filings YoY Change: [Markdown](https://pdf.americandefault.org/for-llms/bankruptcy-filings.md) · [JSON](https://americandefault.org/api/indicators/bankruptcy-filings.json) · [CSV](https://americandefault.org/api/downloads/bankruptcy-filings.csv) · [BibTeX](https://americandefault.org/citations/bankruptcy-filings.bib)
- Business AI Adoption Rate: [Markdown](https://pdf.americandefault.org/for-llms/the-adoption-curve.md) · [JSON](https://americandefault.org/api/indicators/the-adoption-curve.json) · [CSV](https://americandefault.org/api/downloads/the-adoption-curve.csv) · [BibTeX](https://americandefault.org/citations/the-adoption-curve.bib)
- Buy Now Pay Later Lending Volume: [Markdown](https://pdf.americandefault.org/for-llms/phantom-debt.md) · [JSON](https://americandefault.org/api/indicators/phantom-debt.json) · [CSV](https://americandefault.org/api/downloads/phantom-debt.csv) · [BibTeX](https://americandefault.org/citations/phantom-debt.bib)
- CFPB Consumer Complaint Volume: [Markdown](https://pdf.americandefault.org/for-llms/cfpb-consumer-complaint-volume.md) · [JSON](https://americandefault.org/api/indicators/cfpb-consumer-complaint-volume.json) · [CSV](https://americandefault.org/api/downloads/cfpb-consumer-complaint-volume.csv) · [BibTeX](https://americandefault.org/citations/cfpb-consumer-complaint-volume.bib)
- Challenger Job Cut Announcements: [Markdown](https://pdf.americandefault.org/for-llms/pink-slips.md) · [JSON](https://americandefault.org/api/indicators/pink-slips.json) · [CSV](https://americandefault.org/api/downloads/pink-slips.csv) · [BibTeX](https://americandefault.org/citations/pink-slips.bib)
- Chapter 13 Bankruptcy Filings (YoY % Change): [Markdown](https://pdf.americandefault.org/for-llms/chapter-13-bankruptcy-filings-yoy-change.md) · [JSON](https://americandefault.org/api/indicators/chapter-13-bankruptcy-filings-yoy-change.json) · [CSV](https://americandefault.org/api/downloads/chapter-13-bankruptcy-filings-yoy-change.csv) · [BibTeX](https://americandefault.org/citations/chapter-13-bankruptcy-filings-yoy-change.bib)
- Chapter 7 Bankruptcy Filings (YoY % Change): [Markdown](https://pdf.americandefault.org/for-llms/chapter-7-bankruptcy-filings-yoy-change.md) · [JSON](https://americandefault.org/api/indicators/chapter-7-bankruptcy-filings-yoy-change.json) · [CSV](https://americandefault.org/api/downloads/chapter-7-bankruptcy-filings-yoy-change.csv) · [BibTeX](https://americandefault.org/citations/chapter-7-bankruptcy-filings-yoy-change.bib)
- Charge-Off Rate on All Loans: [Markdown](https://pdf.americandefault.org/for-llms/charge-off-rate-on-all-loans.md) · [JSON](https://americandefault.org/api/indicators/charge-off-rate-on-all-loans.json) · [CSV](https://americandefault.org/api/downloads/charge-off-rate-on-all-loans.csv) · [BibTeX](https://americandefault.org/citations/charge-off-rate-on-all-loans.bib)
- Charge-Off Rate on Credit Card Loans: [Markdown](https://pdf.americandefault.org/for-llms/charge-off-rate-on-credit-card-loans.md) · [JSON](https://americandefault.org/api/indicators/charge-off-rate-on-credit-card-loans.json) · [CSV](https://americandefault.org/api/downloads/charge-off-rate-on-credit-card-loans.csv) · [BibTeX](https://americandefault.org/citations/charge-off-rate-on-credit-card-loans.bib)
- Charge-Off Rate on Single-Family Residential Mortgages: [Markdown](https://pdf.americandefault.org/for-llms/charge-off-rate-on-single-family-residential-mortgages.md) · [JSON](https://americandefault.org/api/indicators/charge-off-rate-on-single-family-residential-mortgages.json) · [CSV](https://americandefault.org/api/downloads/charge-off-rate-on-single-family-residential-mortgages.csv) · [BibTeX](https://americandefault.org/citations/charge-off-rate-on-single-family-residential-mortgages.bib)
- Commercial Bank Interest Rate on Credit Card Plans: [Markdown](https://pdf.americandefault.org/for-llms/the-card-tax.md) · [JSON](https://americandefault.org/api/indicators/the-card-tax.json) · [CSV](https://americandefault.org/api/downloads/the-card-tax.csv) · [BibTeX](https://americandefault.org/citations/the-card-tax.bib)
- Conference Board Consumer Expectations Index: [Markdown](https://pdf.americandefault.org/for-llms/the-warning-light.md) · [JSON](https://americandefault.org/api/indicators/the-warning-light.json) · [CSV](https://americandefault.org/api/downloads/the-warning-light.csv) · [BibTeX](https://americandefault.org/citations/the-warning-light.bib)
- Continued Unemployment Claims (SA): [Markdown](https://pdf.americandefault.org/for-llms/continued-unemployment-claims-sa.md) · [JSON](https://americandefault.org/api/indicators/continued-unemployment-claims-sa.json) · [CSV](https://americandefault.org/api/downloads/continued-unemployment-claims-sa.csv) · [BibTeX](https://americandefault.org/citations/continued-unemployment-claims-sa.bib)
- CoreLogic Early-Stage Delinquency Transitions: [Markdown](https://pdf.americandefault.org/for-llms/first-missed.md) · [JSON](https://americandefault.org/api/indicators/first-missed.json) · [CSV](https://americandefault.org/api/downloads/first-missed.csv) · [BibTeX](https://americandefault.org/citations/first-missed.bib)
- County-Level Food Insecurity Rate: [Markdown](https://pdf.americandefault.org/for-llms/county-level-food-insecurity-rate.md) · [JSON](https://americandefault.org/api/indicators/county-level-food-insecurity-rate.json) · [CSV](https://americandefault.org/api/downloads/county-level-food-insecurity-rate.csv) · [BibTeX](https://americandefault.org/citations/county-level-food-insecurity-rate.bib)
- CPI Inflation Rate (All Items): [Markdown](https://pdf.americandefault.org/for-llms/cpi-inflation-rate-all-items.md) · [JSON](https://americandefault.org/api/indicators/cpi-inflation-rate-all-items.json) · [CSV](https://americandefault.org/api/downloads/cpi-inflation-rate-all-items.csv) · [BibTeX](https://americandefault.org/citations/cpi-inflation-rate-all-items.bib)
- Credit Card Delinquency Rate — Banks Outside Top 100: [Markdown](https://pdf.americandefault.org/for-llms/the-other-banks.md) · [JSON](https://americandefault.org/api/indicators/the-other-banks.json) · [CSV](https://americandefault.org/api/downloads/the-other-banks.csv) · [BibTeX](https://americandefault.org/citations/the-other-banks.bib)
- Delinquency Rate on Consumer Loans (ex credit card): [Markdown](https://pdf.americandefault.org/for-llms/delinquency-rate-on-consumer-loans-ex-credit-card.md) · [JSON](https://americandefault.org/api/indicators/delinquency-rate-on-consumer-loans-ex-credit-card.json) · [CSV](https://americandefault.org/api/downloads/delinquency-rate-on-consumer-loans-ex-credit-card.csv) · [BibTeX](https://americandefault.org/citations/delinquency-rate-on-consumer-loans-ex-credit-card.bib)
- Delinquency Rate on Credit Card Loans: [Markdown](https://pdf.americandefault.org/for-llms/the-late-fee.md) · [JSON](https://americandefault.org/api/indicators/the-late-fee.json) · [CSV](https://americandefault.org/api/downloads/the-late-fee.csv) · [BibTeX](https://americandefault.org/citations/the-late-fee.bib)
- Delinquency Rate on Single-Family Residential Mortgages (90+ days): [Markdown](https://pdf.americandefault.org/for-llms/delinquency-rate-on-single-family-residential-mortgages-90-days.md) · [JSON](https://americandefault.org/api/indicators/delinquency-rate-on-single-family-residential-mortgages-90-days.json) · [CSV](https://americandefault.org/api/downloads/delinquency-rate-on-single-family-residential-mortgages-90-days.csv) · [BibTeX](https://americandefault.org/citations/delinquency-rate-on-single-family-residential-mortgages-90-days.bib)
- Difficulty Paying Usual Household Expenses: [Markdown](https://pdf.americandefault.org/for-llms/the-pinch.md) · [JSON](https://americandefault.org/api/indicators/the-pinch.json) · [CSV](https://americandefault.org/api/downloads/the-pinch.csv) · [BibTeX](https://americandefault.org/citations/the-pinch.bib)
- Energy Cost Burden (Energy PCE as % of Disposable Income): [Markdown](https://pdf.americandefault.org/for-llms/the-energy-squeeze.md) · [JSON](https://americandefault.org/api/indicators/the-energy-squeeze.json) · [CSV](https://americandefault.org/api/downloads/the-energy-squeeze.csv) · [BibTeX](https://americandefault.org/citations/the-energy-squeeze.bib)
- Energy CPI (All Items): [Markdown](https://pdf.americandefault.org/for-llms/energy-cpi-all-items.md) · [JSON](https://americandefault.org/api/indicators/energy-cpi-all-items.json) · [CSV](https://americandefault.org/api/downloads/energy-cpi-all-items.csv) · [BibTeX](https://americandefault.org/citations/energy-cpi-all-items.bib)
- Equifax Monthly Credit Trends (Delinquency): [Markdown](https://pdf.americandefault.org/for-llms/the-60-day-line.md) · [JSON](https://americandefault.org/api/indicators/the-60-day-line.json) · [CSV](https://americandefault.org/api/downloads/the-60-day-line.csv) · [BibTeX](https://americandefault.org/citations/the-60-day-line.bib)
- FHA Mortgage Delinquency Rate: [Markdown](https://pdf.americandefault.org/for-llms/the-fha-signal.md) · [JSON](https://americandefault.org/api/indicators/the-fha-signal.json) · [CSV](https://americandefault.org/api/downloads/the-fha-signal.csv) · [BibTeX](https://americandefault.org/citations/the-fha-signal.bib)
- Financial Health Score (FHN FinHealth Survey): [Markdown](https://pdf.americandefault.org/for-llms/financial-health-score-fhn-finhealth-survey.md) · [JSON](https://americandefault.org/api/indicators/financial-health-score-fhn-finhealth-survey.json) · [CSV](https://americandefault.org/api/downloads/financial-health-score-fhn-finhealth-survey.csv) · [BibTeX](https://americandefault.org/citations/financial-health-score-fhn-finhealth-survey.bib)
- Food and Beverages CPI: [Markdown](https://pdf.americandefault.org/for-llms/food-and-beverages-cpi.md) · [JSON](https://americandefault.org/api/indicators/food-and-beverages-cpi.json) · [CSV](https://americandefault.org/api/downloads/food-and-beverages-cpi.csv) · [BibTeX](https://americandefault.org/citations/food-and-beverages-cpi.bib)
- Foreclosure Filings YoY Change: [Markdown](https://pdf.americandefault.org/for-llms/foreclosure-filings.md) · [JSON](https://americandefault.org/api/indicators/foreclosure-filings.json) · [CSV](https://americandefault.org/api/downloads/foreclosure-filings.csv) · [BibTeX](https://americandefault.org/citations/foreclosure-filings.bib)
- Foreclosure Starts vs Completions Ratio: [Markdown](https://pdf.americandefault.org/for-llms/the-pipeline.md) · [JSON](https://americandefault.org/api/indicators/the-pipeline.json) · [CSV](https://americandefault.org/api/downloads/the-pipeline.csv) · [BibTeX](https://americandefault.org/citations/the-pipeline.bib)
- Gas Affordability Ratio: [Markdown](https://pdf.americandefault.org/for-llms/the-pump-tax.md) · [JSON](https://americandefault.org/api/indicators/the-pump-tax.json) · [CSV](https://americandefault.org/api/downloads/the-pump-tax.csv) · [BibTeX](https://americandefault.org/citations/the-pump-tax.bib)
- Google Search Interest: Financial Distress: [Markdown](https://pdf.americandefault.org/for-llms/the-search-signal.md) · [JSON](https://americandefault.org/api/indicators/the-search-signal.json) · [CSV](https://americandefault.org/api/downloads/the-search-signal.csv) · [BibTeX](https://americandefault.org/citations/the-search-signal.bib)
- Grocery Affordability Gap (AHE YoY minus Food-at-Home CPI YoY): [Markdown](https://pdf.americandefault.org/for-llms/the-grocery-gap.md) · [JSON](https://americandefault.org/api/indicators/the-grocery-gap.json) · [CSV](https://americandefault.org/api/downloads/the-grocery-gap.csv) · [BibTeX](https://americandefault.org/citations/the-grocery-gap.bib)
- Grocery Prices Cumulative Change Since Jan 2020: [Markdown](https://pdf.americandefault.org/for-llms/grocery-prices-cumulative-change-since-jan-2020.md) · [JSON](https://americandefault.org/api/indicators/grocery-prices-cumulative-change-since-jan-2020.json) · [CSV](https://americandefault.org/api/downloads/grocery-prices-cumulative-change-since-jan-2020.csv) · [BibTeX](https://americandefault.org/citations/grocery-prices-cumulative-change-since-jan-2020.bib)
- Healthcare Inflation Premium (Medical CPI minus Overall CPI): [Markdown](https://pdf.americandefault.org/for-llms/healthcare-inflation-premium-medical-cpi-minus-overall-cpi.md) · [JSON](https://americandefault.org/api/indicators/healthcare-inflation-premium-medical-cpi-minus-overall-cpi.json) · [CSV](https://americandefault.org/api/downloads/healthcare-inflation-premium-medical-cpi-minus-overall-cpi.csv) · [BibTeX](https://americandefault.org/citations/healthcare-inflation-premium-medical-cpi-minus-overall-cpi.bib)
- HELOC Balance Growth: [Markdown](https://pdf.americandefault.org/for-llms/heloc-balance-growth.md) · [JSON](https://americandefault.org/api/indicators/heloc-balance-growth.json) · [CSV](https://americandefault.org/api/downloads/heloc-balance-growth.csv) · [BibTeX](https://americandefault.org/citations/heloc-balance-growth.bib)
- Household Debt Service Ratio: [Markdown](https://pdf.americandefault.org/for-llms/debt-service.md) · [JSON](https://americandefault.org/api/indicators/debt-service.json) · [CSV](https://americandefault.org/api/downloads/debt-service.csv) · [BibTeX](https://americandefault.org/citations/debt-service.bib)
- Household Tariff Burden (Estimated Tariff Cost as % of Disposable Income): [Markdown](https://pdf.americandefault.org/for-llms/the-import-tax.md) · [JSON](https://americandefault.org/api/indicators/the-import-tax.json) · [CSV](https://americandefault.org/api/downloads/the-import-tax.csv) · [BibTeX](https://americandefault.org/citations/the-import-tax.bib)
- Indeed Job Postings Index (US): [Markdown](https://pdf.americandefault.org/for-llms/indeed-job-postings-index-us.md) · [JSON](https://americandefault.org/api/indicators/indeed-job-postings-index-us.json) · [CSV](https://americandefault.org/api/downloads/indeed-job-postings-index-us.csv) · [BibTeX](https://americandefault.org/citations/indeed-job-postings-index-us.bib)
- Information Sector Job Openings (NAICS 51): [Markdown](https://pdf.americandefault.org/for-llms/the-tech-drought.md) · [JSON](https://americandefault.org/api/indicators/the-tech-drought.json) · [CSV](https://americandefault.org/api/downloads/the-tech-drought.csv) · [BibTeX](https://americandefault.org/citations/the-tech-drought.bib)
- Initial Unemployment Claims (SA): [Markdown](https://pdf.americandefault.org/for-llms/initial-unemployment-claims-sa.md) · [JSON](https://americandefault.org/api/indicators/initial-unemployment-claims-sa.json) · [CSV](https://americandefault.org/api/downloads/initial-unemployment-claims-sa.csv) · [BibTeX](https://americandefault.org/citations/initial-unemployment-claims-sa.bib)
- JOLTS Quits Rate: [Markdown](https://pdf.americandefault.org/for-llms/jolts-quits-rate.md) · [JSON](https://americandefault.org/api/indicators/jolts-quits-rate.json) · [CSV](https://americandefault.org/api/downloads/jolts-quits-rate.csv) · [BibTeX](https://americandefault.org/citations/jolts-quits-rate.bib)
- Large vs Small Bank Credit Card Delinquency Spread: [Markdown](https://pdf.americandefault.org/for-llms/large-vs-small-bank-credit-card-delinquency-spread.md) · [JSON](https://americandefault.org/api/indicators/large-vs-small-bank-credit-card-delinquency-spread.json) · [CSV](https://americandefault.org/api/downloads/large-vs-small-bank-credit-card-delinquency-spread.csv) · [BibTeX](https://americandefault.org/citations/large-vs-small-bank-credit-card-delinquency-spread.bib)
- Lower-Income Wage Growth vs. Inflation Gap: [Markdown](https://pdf.americandefault.org/for-llms/the-k-shape.md) · [JSON](https://americandefault.org/api/indicators/the-k-shape.json) · [CSV](https://americandefault.org/api/downloads/the-k-shape.csv) · [BibTeX](https://americandefault.org/citations/the-k-shape.bib)
- Median Sales Price of Houses Sold (US): [Markdown](https://pdf.americandefault.org/for-llms/median-sales-price-of-houses-sold-us.md) · [JSON](https://americandefault.org/api/indicators/median-sales-price-of-houses-sold-us.json) · [CSV](https://americandefault.org/api/downloads/median-sales-price-of-houses-sold-us.csv) · [BibTeX](https://americandefault.org/citations/median-sales-price-of-houses-sold-us.bib)
- Medicaid / CHIP Enrollment (Monthly): [Markdown](https://pdf.americandefault.org/for-llms/medicaid-chip-enrollment-monthly.md) · [JSON](https://americandefault.org/api/indicators/medicaid-chip-enrollment-monthly.json) · [CSV](https://americandefault.org/api/downloads/medicaid-chip-enrollment-monthly.csv) · [BibTeX](https://americandefault.org/citations/medicaid-chip-enrollment-monthly.bib)
- Medical Care CPI: [Markdown](https://pdf.americandefault.org/for-llms/medical-care-cpi.md) · [JSON](https://americandefault.org/api/indicators/medical-care-cpi.json) · [CSV](https://americandefault.org/api/downloads/medical-care-cpi.csv) · [BibTeX](https://americandefault.org/citations/medical-care-cpi.bib)
- Mortgage Debt Service Ratio: [Markdown](https://pdf.americandefault.org/for-llms/mortgage-debt-service-ratio.md) · [JSON](https://americandefault.org/api/indicators/mortgage-debt-service-ratio.json) · [CSV](https://americandefault.org/api/downloads/mortgage-debt-service-ratio.csv) · [BibTeX](https://americandefault.org/citations/mortgage-debt-service-ratio.bib)
- Mortgage Origination Volume: [Markdown](https://pdf.americandefault.org/for-llms/mortgage-origination-volume.md) · [JSON](https://americandefault.org/api/indicators/mortgage-origination-volume.json) · [CSV](https://americandefault.org/api/downloads/mortgage-origination-volume.csv) · [BibTeX](https://americandefault.org/citations/mortgage-origination-volume.bib)
- Motor Vehicle Insurance CPI: [Markdown](https://pdf.americandefault.org/for-llms/motor-vehicle-insurance-cpi.md) · [JSON](https://americandefault.org/api/indicators/motor-vehicle-insurance-cpi.json) · [CSV](https://americandefault.org/api/downloads/motor-vehicle-insurance-cpi.csv) · [BibTeX](https://americandefault.org/citations/motor-vehicle-insurance-cpi.bib)
- NFCI Non-Financial Leverage Subindex: [Markdown](https://pdf.americandefault.org/for-llms/the-tightening.md) · [JSON](https://americandefault.org/api/indicators/the-tightening.json) · [CSV](https://americandefault.org/api/downloads/the-tightening.csv) · [BibTeX](https://americandefault.org/citations/the-tightening.bib)
- Part-Time for Economic Reasons: [Markdown](https://pdf.americandefault.org/for-llms/part-time-for-economic-reasons.md) · [JSON](https://americandefault.org/api/indicators/part-time-for-economic-reasons.json) · [CSV](https://americandefault.org/api/downloads/part-time-for-economic-reasons.csv) · [BibTeX](https://americandefault.org/citations/part-time-for-economic-reasons.bib)
- Personal Saving Rate: [Markdown](https://pdf.americandefault.org/for-llms/the-buffer.md) · [JSON](https://americandefault.org/api/indicators/the-buffer.json) · [CSV](https://americandefault.org/api/downloads/the-buffer.csv) · [BibTeX](https://americandefault.org/citations/the-buffer.bib)
- Prescription Drug CPI: [Markdown](https://pdf.americandefault.org/for-llms/prescription-drug-cpi.md) · [JSON](https://americandefault.org/api/indicators/prescription-drug-cpi.json) · [CSV](https://americandefault.org/api/downloads/prescription-drug-cpi.csv) · [BibTeX](https://americandefault.org/citations/prescription-drug-cpi.bib)
- Residential Utility Service Disconnections: [Markdown](https://pdf.americandefault.org/for-llms/utility-service-disconnections.md) · [JSON](https://americandefault.org/api/indicators/utility-service-disconnections.json) · [CSV](https://americandefault.org/api/downloads/utility-service-disconnections.csv) · [BibTeX](https://americandefault.org/citations/utility-service-disconnections.bib)
- Revolving Credit Utilization (75th Percentile): [Markdown](https://pdf.americandefault.org/for-llms/revolving-credit-utilization-75th-percentile.md) · [JSON](https://americandefault.org/api/indicators/revolving-credit-utilization-75th-percentile.json) · [CSV](https://americandefault.org/api/downloads/revolving-credit-utilization-75th-percentile.csv) · [BibTeX](https://americandefault.org/citations/revolving-credit-utilization-75th-percentile.bib)
- Senior Loan Officer Survey: Banks Tightening Standards: [Markdown](https://pdf.americandefault.org/for-llms/senior-loan-officer-survey-banks-tightening-standards.md) · [JSON](https://americandefault.org/api/indicators/senior-loan-officer-survey-banks-tightening-standards.json) · [CSV](https://americandefault.org/api/downloads/senior-loan-officer-survey-banks-tightening-standards.csv) · [BibTeX](https://americandefault.org/citations/senior-loan-officer-survey-banks-tightening-standards.bib)
- Serious Delinquency Rate (90+ days, All Loan Types): [Markdown](https://pdf.americandefault.org/for-llms/serious-delinquency-rate-90-days-all-loan-types.md) · [JSON](https://americandefault.org/api/indicators/serious-delinquency-rate-90-days-all-loan-types.json) · [CSV](https://americandefault.org/api/downloads/serious-delinquency-rate-90-days-all-loan-types.csv) · [BibTeX](https://americandefault.org/citations/serious-delinquency-rate-90-days-all-loan-types.bib)
- Share of Adults Skipping Bill Payments: [Markdown](https://pdf.americandefault.org/for-llms/the-skip-rate.md) · [JSON](https://americandefault.org/api/indicators/the-skip-rate.json) · [CSV](https://americandefault.org/api/downloads/the-skip-rate.csv) · [BibTeX](https://americandefault.org/citations/the-skip-rate.bib)
- Share of Americans Living Paycheck to Paycheck: [Markdown](https://pdf.americandefault.org/for-llms/the-squeeze.md) · [JSON](https://americandefault.org/api/indicators/the-squeeze.json) · [CSV](https://americandefault.org/api/downloads/the-squeeze.csv) · [BibTeX](https://americandefault.org/citations/the-squeeze.bib)
- SHED Emergency Savings Survey: [Markdown](https://pdf.americandefault.org/for-llms/the-400-test.md) · [JSON](https://americandefault.org/api/indicators/the-400-test.json) · [CSV](https://americandefault.org/api/downloads/the-400-test.csv) · [BibTeX](https://americandefault.org/citations/the-400-test.bib)
- Shelter CPI: [Markdown](https://pdf.americandefault.org/for-llms/shelter-cpi.md) · [JSON](https://americandefault.org/api/indicators/shelter-cpi.json) · [CSV](https://americandefault.org/api/downloads/shelter-cpi.csv) · [BibTeX](https://americandefault.org/citations/shelter-cpi.bib)
- SNAP (Food Stamp) Enrollment: [Markdown](https://pdf.americandefault.org/for-llms/snap-food-stamp-enrollment.md) · [JSON](https://americandefault.org/api/indicators/snap-food-stamp-enrollment.json) · [CSV](https://americandefault.org/api/downloads/snap-food-stamp-enrollment.csv) · [BibTeX](https://americandefault.org/citations/snap-food-stamp-enrollment.bib)
- States with Credit Card Delinquency Above 10%: [Markdown](https://pdf.americandefault.org/for-llms/the-spread.md) · [JSON](https://americandefault.org/api/indicators/the-spread.json) · [CSV](https://americandefault.org/api/downloads/the-spread.csv) · [BibTeX](https://americandefault.org/citations/the-spread.bib)
- Student Loan Delinquency Rate (90+ days): [Markdown](https://pdf.americandefault.org/for-llms/student-loan-delinquency-rate-90-days.md) · [JSON](https://americandefault.org/api/indicators/student-loan-delinquency-rate-90-days.json) · [CSV](https://americandefault.org/api/downloads/student-loan-delinquency-rate-90-days.csv) · [BibTeX](https://americandefault.org/citations/student-loan-delinquency-rate-90-days.bib)
- Student Loan Payment Burden (% of Discretionary Income): [Markdown](https://pdf.americandefault.org/for-llms/student-loan-payment-burden-of-discretionary-income.md) · [JSON](https://americandefault.org/api/indicators/student-loan-payment-burden-of-discretionary-income.json) · [CSV](https://americandefault.org/api/downloads/student-loan-payment-burden-of-discretionary-income.csv) · [BibTeX](https://americandefault.org/citations/student-loan-payment-burden-of-discretionary-income.bib)
- Top vs Bottom Income Quartile Spending Gap: [Markdown](https://pdf.americandefault.org/for-llms/the-divergence.md) · [JSON](https://americandefault.org/api/indicators/the-divergence.json) · [CSV](https://americandefault.org/api/downloads/the-divergence.csv) · [BibTeX](https://americandefault.org/citations/the-divergence.bib)
- Total Consumer Credit Outstanding: [Markdown](https://pdf.americandefault.org/for-llms/total-consumer-credit-outstanding.md) · [JSON](https://americandefault.org/api/indicators/total-consumer-credit-outstanding.json) · [CSV](https://americandefault.org/api/downloads/total-consumer-credit-outstanding.csv) · [BibTeX](https://americandefault.org/citations/total-consumer-credit-outstanding.bib)
- Total Credit Card Debt Outstanding: [Markdown](https://pdf.americandefault.org/for-llms/plastic-ceiling.md) · [JSON](https://americandefault.org/api/indicators/plastic-ceiling.json) · [CSV](https://americandefault.org/api/downloads/plastic-ceiling.csv) · [BibTeX](https://americandefault.org/citations/plastic-ceiling.bib)
- Total Delinquency Rate (All Loan Types): [Markdown](https://pdf.americandefault.org/for-llms/falling-behind.md) · [JSON](https://americandefault.org/api/indicators/falling-behind.json) · [CSV](https://americandefault.org/api/downloads/falling-behind.csv) · [BibTeX](https://americandefault.org/citations/falling-behind.bib)
- Total Household Debt: [Markdown](https://pdf.americandefault.org/for-llms/total-household-debt.md) · [JSON](https://americandefault.org/api/indicators/total-household-debt.json) · [CSV](https://americandefault.org/api/downloads/total-household-debt.csv) · [BibTeX](https://americandefault.org/citations/total-household-debt.bib)
- Total Nonfarm Payrolls: [Markdown](https://pdf.americandefault.org/for-llms/total-nonfarm-payrolls.md) · [JSON](https://americandefault.org/api/indicators/total-nonfarm-payrolls.json) · [CSV](https://americandefault.org/api/downloads/total-nonfarm-payrolls.csv) · [BibTeX](https://americandefault.org/citations/total-nonfarm-payrolls.bib)
- Total Revolving Credit Outstanding: [Markdown](https://pdf.americandefault.org/for-llms/total-revolving-credit-outstanding.md) · [JSON](https://americandefault.org/api/indicators/total-revolving-credit-outstanding.json) · [CSV](https://americandefault.org/api/downloads/total-revolving-credit-outstanding.csv) · [BibTeX](https://americandefault.org/citations/total-revolving-credit-outstanding.bib)
- TransUnion Subprime Auto/Card Originations: [Markdown](https://pdf.americandefault.org/for-llms/the-risk-reset.md) · [JSON](https://americandefault.org/api/indicators/the-risk-reset.json) · [CSV](https://americandefault.org/api/downloads/the-risk-reset.csv) · [BibTeX](https://americandefault.org/citations/the-risk-reset.bib)
- U-6 Underemployment Rate: [Markdown](https://pdf.americandefault.org/for-llms/u-6-underemployment-rate.md) · [JSON](https://americandefault.org/api/indicators/u-6-underemployment-rate.json) · [CSV](https://americandefault.org/api/downloads/u-6-underemployment-rate.csv) · [BibTeX](https://americandefault.org/citations/u-6-underemployment-rate.bib)
- Unbanked / Underbanked Household Rate: [Markdown](https://pdf.americandefault.org/for-llms/unbanked-underbanked-household-rate.md) · [JSON](https://americandefault.org/api/indicators/unbanked-underbanked-household-rate.json) · [CSV](https://americandefault.org/api/downloads/unbanked-underbanked-household-rate.csv) · [BibTeX](https://americandefault.org/citations/unbanked-underbanked-household-rate.bib)
- Unemployment Rate: [Markdown](https://pdf.americandefault.org/for-llms/unemployment-rate.md) · [JSON](https://americandefault.org/api/indicators/unemployment-rate.json) · [CSV](https://americandefault.org/api/downloads/unemployment-rate.csv) · [BibTeX](https://americandefault.org/citations/unemployment-rate.bib)
- University of Michigan Consumer Sentiment Index: [Markdown](https://pdf.americandefault.org/for-llms/the-mood-ring.md) · [JSON](https://americandefault.org/api/indicators/the-mood-ring.json) · [CSV](https://americandefault.org/api/downloads/the-mood-ring.csv) · [BibTeX](https://americandefault.org/citations/the-mood-ring.bib)
- Vanguard Hardship Withdrawal Rate: [Markdown](https://pdf.americandefault.org/for-llms/the-cannibalization-rate.md) · [JSON](https://americandefault.org/api/indicators/the-cannibalization-rate.json) · [CSV](https://americandefault.org/api/downloads/the-cannibalization-rate.csv) · [BibTeX](https://americandefault.org/citations/the-cannibalization-rate.bib)
- Wage Growth vs CPI Spread: [Markdown](https://pdf.americandefault.org/for-llms/wage-growth-vs-cpi-spread.md) · [JSON](https://americandefault.org/api/indicators/wage-growth-vs-cpi-spread.json) · [CSV](https://americandefault.org/api/downloads/wage-growth-vs-cpi-spread.csv) · [BibTeX](https://americandefault.org/citations/wage-growth-vs-cpi-spread.bib)
- WARN Act Layoff Notices (Monthly): [Markdown](https://pdf.americandefault.org/for-llms/warn-act-layoff-notices-monthly.md) · [JSON](https://americandefault.org/api/indicators/warn-act-layoff-notices-monthly.json) · [CSV](https://americandefault.org/api/downloads/warn-act-layoff-notices-monthly.csv) · [BibTeX](https://americandefault.org/citations/warn-act-layoff-notices-monthly.bib)
- Youth Unemployment Rate (16-24): [Markdown](https://pdf.americandefault.org/for-llms/youth-unemployment-rate-16-24.md) · [JSON](https://americandefault.org/api/indicators/youth-unemployment-rate-16-24.json) · [CSV](https://americandefault.org/api/downloads/youth-unemployment-rate-16-24.csv) · [BibTeX](https://americandefault.org/citations/youth-unemployment-rate-16-24.bib)

## Data Source Pages (37 sources)

Each source page lists all indicators drawn from that source, FRED/BLS series IDs, update automation, and attribution.

- [All Sources](https://americandefault.org/sources/): Index of all 37 data sources
- [Federal Reserve](https://americandefault.org/sources/federal-reserve/): 15 indicators — The Federal Reserve Board of Governors publishes bank supervision data, the Survey of Consumer Finances, the Senior Loan...
- [Bureau of Labor Statistics](https://americandefault.org/sources/bls/): 14 indicators — The BLS produces the Consumer Price Index, employment situation reports, JOLTS, and wage data that drive the ADI's Cost ...
- [U.S. Courts](https://americandefault.org/sources/us-courts/): 4 indicators — The Administrative Office of the U.S. Courts publishes quarterly bankruptcy filing statistics — the foundation for the A...
- [U.S. Census Bureau](https://americandefault.org/sources/census/): 3 indicators — The Census Bureau conducts the Household Pulse Survey and Business Trends and Outlook Survey, providing real-time measur...
- [Department of Labor](https://americandefault.org/sources/department-of-labor/): 2 indicators — The Department of Labor publishes initial and continuing unemployment claims — the ADI's primary measure of income disru...
- [Consumer Financial Protection Bureau](https://americandefault.org/sources/cfpb/): 2 indicators — The CFPB publishes consumer credit market reports, complaint data, and financial well-being indices used to track househ...
- [Bureau of Economic Analysis](https://americandefault.org/sources/bea/): 1 indicator — The BEA produces national income and product accounts including the personal savings rate and disposable personal income...
- [USDA](https://americandefault.org/sources/usda/): 1 indicator — The USDA Food and Nutrition Service administers SNAP (food stamps) and publishes enrollment data that tracks household f...
- [Department of Housing and Urban Development](https://americandefault.org/sources/hud/): 1 indicator — HUD publishes the Annual Homeless Assessment Report, providing point-in-time counts of homelessness — the most severe ou...
- [Energy Information Administration](https://americandefault.org/sources/eia/): 1 indicator — The EIA publishes energy price data and utility disconnection statistics that feed the ADI's Cost Pressure indicators.
- [Department of Education](https://americandefault.org/sources/department-of-education/): 1 indicator — The Department of Education's Federal Student Aid office publishes student loan portfolio data including delinquency and...
- [Centers for Medicare & Medicaid Services](https://americandefault.org/sources/cms/): 1 indicator — CMS publishes monthly Medicaid and CHIP enrollment data — a countercyclical indicator that rises as household financial ...
- [FDIC](https://americandefault.org/sources/fdic/): 1 indicator — The FDIC conducts the National Survey of Unbanked and Underbanked Households, measuring financial exclusion as an indica...
- [Federal Reserve Bank of New York](https://americandefault.org/sources/ny-fed/): 10 indicators — The NY Fed publishes the Quarterly Report on Household Debt and Credit, the Consumer Credit Panel (with Equifax), and co...
- [Federal Reserve Bank of Chicago](https://americandefault.org/sources/chicago-fed/): 1 indicator — The Chicago Fed publishes the National Financial Conditions Index (NFCI), whose leverage subindex measures credit market...
- [Federal Reserve Bank of Atlanta](https://americandefault.org/sources/atlanta-fed/): 1 indicator — The Atlanta Fed produces the Wage Growth Tracker, used in the ADI's Cost Pressure component to measure whether wages are...
- [Federal Reserve Bank of Philadelphia](https://americandefault.org/sources/philadelphia-fed/): 1 indicator — The Philadelphia Fed conducts the LIFE Survey (Labor, Income, Fiscal & Expectations), providing household-level data on ...
- [ATTOM Data Solutions](https://americandefault.org/sources/attom/): 2 indicators — ATTOM publishes monthly foreclosure filing data including pre-foreclosure notices, scheduled auctions, and bank reposses...
- [Vanguard](https://americandefault.org/sources/vanguard/): 2 indicators — Vanguard's annual How America Saves report and hardship withdrawal data track retirement account stress — a leading indi...
- [Challenger, Gray & Christmas](https://americandefault.org/sources/challenger/): 2 indicators — Challenger publishes monthly job cut announcements and tracks layoffs by industry — an early warning indicator for labor...
- [Bank of America Institute](https://americandefault.org/sources/bank-of-america-institute/): 2 indicators — The Bank of America Institute publishes anonymized transaction data on consumer spending and savings behavior, providing...
- [Indeed](https://americandefault.org/sources/indeed/): 2 indicators — Indeed publishes job posting data and hiring trends that provide real-time measures of labor market demand, complementin...
- [CoreLogic / Cotality](https://americandefault.org/sources/corelogic/): 1 indicator — CoreLogic (now Cotality) publishes monthly mortgage performance data including early-stage delinquency and home price in...
- [Mortgage Bankers Association](https://americandefault.org/sources/mba/): 1 indicator — The MBA publishes the National Delinquency Survey, the industry's standard quarterly measure of mortgage delinquency by ...
- [TransUnion](https://americandefault.org/sources/transunion/): 1 indicator — TransUnion publishes quarterly credit industry insights including delinquency rates by loan type from their consumer cre...
- [Equifax](https://americandefault.org/sources/equifax/): 1 indicator — Equifax publishes monthly consumer credit data and partners with the NY Fed on the Consumer Credit Panel, providing gran...
- [The Conference Board](https://americandefault.org/sources/conference-board/): 1 indicator — The Conference Board publishes the Consumer Confidence Index, measuring household expectations about business conditions...
- [Google Trends](https://americandefault.org/sources/google-trends/): 1 indicator — Google Trends data measures search interest in financial distress terms, providing a real-time behavioral signal of hous...
- [Bankrate](https://americandefault.org/sources/bankrate/): 1 indicator — Bankrate's annual Emergency Savings Report tracks the share of Americans with adequate emergency savings — a direct meas...
- [WARNTracker](https://americandefault.org/sources/warn-tracker/): 1 indicator — WARNTracker aggregates Worker Adjustment and Retraining Notification (WARN) Act filings from state departments of labor,...
- [University of Michigan](https://americandefault.org/sources/university-of-michigan/): 1 indicator — The University of Michigan's Surveys of Consumers produce the Consumer Sentiment Index, a long-running measure of househ...
- [METR](https://americandefault.org/sources/metr/): 1 indicator — METR (Model Evaluation & Threat Research) publishes AI capability benchmarks used in the American Worker Index to track ...
- [Feeding America](https://americandefault.org/sources/feeding-america/): 1 indicator — Feeding America's Map the Meal Gap study provides county-level food insecurity estimates, measuring how many households ...
- [Financial Health Network](https://americandefault.org/sources/financial-health-network/): 1 indicator — The Financial Health Network conducts an annual survey measuring household financial health across spending, saving, bor...
- [Opportunity Insights](https://americandefault.org/sources/opportunity-insights/): 1 indicator — Opportunity Insights (Harvard/Brown) publishes the Economic Tracker with high-frequency data on consumer spending, small...
- [Yale Budget Lab](https://americandefault.org/sources/yale-budget-lab/): 1 indicator — The Yale Budget Lab analyzes fiscal policy impacts including tariff burden estimates as a share of household disposable ...
- [Computed / Derived Indicators](https://americandefault.org/sources/computed-indicators/): 8 indicators — Several ADI indicators are computed from combinations of upstream data sources — for example, the real wage gap (BLS wag...

## Mortgage Servicer Profiles (76)

CFPB complaint records, enforcement history, litigation data, demand letter templates,
and contact information for the largest U.S. mortgage servicers.

- [All Servicers](https://americandefault.org/servicers/): Directory of 76 mortgage servicers
- [21st Mortgage](https://americandefault.org/servicers/21st-mortgage/)
- [AmeriHome Mortgage](https://americandefault.org/servicers/amerihome-mortgage/)
- [AmeriSave Mortgage](https://americandefault.org/servicers/amerisave-mortgage/)
- [Arvest Bank](https://americandefault.org/servicers/arvest-bank-group/)
- [Banco Popular de Puerto Rico](https://americandefault.org/servicers/banco-popular-de-puerto-rico/)
- [Bank of America](https://americandefault.org/servicers/bank-of-america-national-association/)
- [BB&T (Historical)](https://americandefault.org/servicers/bb-t/)
- [BBVA USA (Historical)](https://americandefault.org/servicers/bbva-financial/)
- [BMO Bank](https://americandefault.org/servicers/bmo-bank-n-a/)
- [BSI Financial](https://americandefault.org/servicers/bsi-financial-holdings/)
- [Caliber Home Loans (Historical)](https://americandefault.org/servicers/caliber-home-loans/)
- [Capital One](https://americandefault.org/servicers/capital-one-financial/)
- [Cardinal Financial](https://americandefault.org/servicers/cardinal-financial-company-limited-partnership/)
- [Carrington Mortgage](https://americandefault.org/servicers/carrington-mortgage-services/)
- [CIT Bank (Historical)](https://americandefault.org/servicers/cit-bank-national-association/)
- [Citibank](https://americandefault.org/servicers/citibank-n-a/)
- [Citizens Financial](https://americandefault.org/servicers/citizens-financial-group/)
- [CMG Financial](https://americandefault.org/servicers/cmg/)
- [Community Loan Servicing](https://americandefault.org/servicers/community-loan-servicing/)
- [CrossCountry Mortgage](https://americandefault.org/servicers/crosscountry-mortgage/)
- [Ditech Financial (Historical)](https://americandefault.org/servicers/ditech-financial/)
- [Dovenmuehle Mortgage](https://americandefault.org/servicers/dovenmuehle-mortgage/)
- [EverBank](https://americandefault.org/servicers/everbank-national-association/)
- [Fay Servicing](https://americandefault.org/servicers/fay-servicing/)
- [Fifth Third Bank](https://americandefault.org/servicers/fifth-third-financial/)
- [Flagstar Bank](https://americandefault.org/servicers/flagstar-bank-n-a/)
- [Freedom Mortgage](https://americandefault.org/servicers/freedom-mortgage/)
- [Guaranteed Rate](https://americandefault.org/servicers/guaranteed-rate/)
- [Guild Mortgage](https://americandefault.org/servicers/guild-holdings/)
- [Homepoint (Historical)](https://americandefault.org/servicers/home-point-financial/)
- [HSBC North America (Historical)](https://americandefault.org/servicers/hsbc-north-america-holdings/)
- [Huntington Bank](https://americandefault.org/servicers/huntington-national-bank-the/)
- [JPMorgan Chase](https://americandefault.org/servicers/jpmorgan-chase-co/)
- [KeyBank](https://americandefault.org/servicers/keycorp/)
- [Lakeview Loan Servicing](https://americandefault.org/servicers/lakeview-loan-servicing/)
- [LoanCare](https://americandefault.org/servicers/loancare/)
- [loanDepot](https://americandefault.org/servicers/ld-holdings-group/)
- [M&T Bank](https://americandefault.org/servicers/m-t-bank/)
- [MidFirst Bank](https://americandefault.org/servicers/midfirst-bank/)
- [Mr. Cooper](https://americandefault.org/servicers/mr-cooper-group/)
- [Nationstar Mortgage](https://americandefault.org/servicers/nationstar-mortgage/)
- [Navy Federal Credit Union](https://americandefault.org/servicers/navy-federal-credit-union/)
- [New American Funding](https://americandefault.org/servicers/broker-solutions/)
- [NYCB / Flagstar Financial (Historical)](https://americandefault.org/servicers/new-york-community-bancorp/)
- [Ocwen / Onity Group](https://americandefault.org/servicers/ocwen-financial/)
- [PenFed Credit Union](https://americandefault.org/servicers/pentagon-federal-credit-union/)
- [PennyMac](https://americandefault.org/servicers/pennymac-loan-services/)
- [PHH Mortgage](https://americandefault.org/servicers/phh-mortgage-services/)
- [Planet Home Lending](https://americandefault.org/servicers/planet-home-lending/)
- [PNC Bank](https://americandefault.org/servicers/pnc-bank-n-a/)
- [Real Time Resolutions](https://americandefault.org/servicers/real-time-group/)
- [Regions Bank](https://americandefault.org/servicers/regions-financial/)
- [Residential Credit Solutions (Historical)](https://americandefault.org/servicers/residential-credit-solutions/)
- [Reverse Mortgage Solutions](https://americandefault.org/servicers/reverse-mortgage-solutions/)
- [Rocket Mortgage](https://americandefault.org/servicers/rocket-mortgage/)
- [RoundPoint Mortgage](https://americandefault.org/servicers/roundpoint-mortgage-servicing/)
- [Rushmore Loan Management](https://americandefault.org/servicers/rushmore-loan-management-services/)
- [Santander Bank](https://americandefault.org/servicers/santander-bank-national-association/)
- [Select Portfolio Servicing](https://americandefault.org/servicers/select-portfolio-servicing/)
- [Selene Finance](https://americandefault.org/servicers/selene-finance/)
- [ServiceMac](https://americandefault.org/servicers/servis-one-inc-titusville-pa-branch/)
- [Seterus (Historical)](https://americandefault.org/servicers/seterus/)
- [Shellpoint / NewRez](https://americandefault.org/servicers/shellpoint-partners/)
- [SN Servicing](https://americandefault.org/servicers/sn-servicing/)
- [Specialized Loan Servicing](https://americandefault.org/servicers/specialized-loan-servicing-holdings/)
- [Statebridge Company](https://americandefault.org/servicers/statebridge/)
- [SunTrust Banks (Historical)](https://americandefault.org/servicers/suntrust-banks/)
- [TD Bank](https://americandefault.org/servicers/td-bank-us-holding/)
- [The Money Source (TMS)](https://americandefault.org/servicers/money-source-inc-the/)
- [Truist Financial](https://americandefault.org/servicers/truist-financial/)
- [U.S. Bank](https://americandefault.org/servicers/u-s-bancorp/)
- [United Wholesale Mortgage (UWM)](https://americandefault.org/servicers/united-shore/)
- [USAA](https://americandefault.org/servicers/united-services-automobile-association/)
- [Vanderbilt Mortgage](https://americandefault.org/servicers/vanderbilt-mortgage-finance/)
- [Village Capital](https://americandefault.org/servicers/village-capital-investment/)
- [Wells Fargo](https://americandefault.org/servicers/wells-fargo/)

## Contact

americandefault.org