Our Data Sources
The American Distress Index draws on 107 indicators from 35 sources — federal agencies, Federal Reserve banks, industry reports, and academic research. Every data point is publicly available and independently verifiable. No proprietary data, no paywalled sources, no models.
Federal Government
U.S. Bureau of Labor Statistics
Auto20 indicators
American Default tracks indicators using data from U.S. Bureau of Labor Statistics, including CPI Inflation Rate (All Items), Energy Price Inflation (CPI), a...
Board of Governors of the Federal Reserve System
Auto16 indicators
American Default tracks indicators using data from Board of Governors of the Federal Reserve System, including Bottom-Half Share of Household Wealth, Charge-...
Federal Housing Finance Agency
Parsed5 indicators
American Default tracks indicators using data from Federal Housing Finance Agency, including Fannie Mae and Freddie Mac Loans in Forbearance, Foreclosure Pre...
U.S. Census Bureau
Auto4 indicators
American Default tracks indicators using data from U.S. Census Bureau, including Business AI Adoption Rate, Difficulty Paying Usual Household Expenses, and F...
Administrative Office of the U.S. Courts
Auto4 indicators
American Default tracks indicators using data from Administrative Office of the U.S. Courts, including Bankruptcy Chapter 7 to Chapter 13 Filing Ratio, Bankr...
U.S. Department of Labor
Auto2 indicators
American Default tracks indicators using data from U.S. Department of Labor, including Continued Unemployment Claims (SA) and Initial Unemployment Claims (SA...
Consumer Financial Protection Bureau
Auto2 indicators
American Default tracks indicators using data from Consumer Financial Protection Bureau, including Buy Now Pay Later Lending Volume and CFPB Consumer Complai...
U.S. Department of Housing and Urban Development
Auto2 indicators
American Default tracks indicators using data from U.S. Department of Housing and Urban Development, including Homelessness: HUD Point-in-Time Count and Mont...
U.S. Bureau of Economic Analysis
Auto1 indicator
American Default tracks Personal Saving Rate using data from U.S. Bureau of Economic Analysis. This page links to the indicator and the source website.
U.S. Department of Agriculture
Auto1 indicator
American Default tracks SNAP (Food Stamp) Enrollment using data from U.S. Department of Agriculture. This page links to the indicator and the source website.
U.S. Department of Agriculture Economic Research Service
Manual1 indicator
American Default tracks Household Food Insecurity Rate using data from U.S. Department of Agriculture Economic Research Service. This page links to the indic...
U.S. Energy Information Administration
Auto1 indicator
American Default tracks Residential Electricity Disconnections using data from U.S. Energy Information Administration. This page links to the indicator and t...
Centers for Medicare & Medicaid Services
Auto1 indicator
American Default tracks Medicaid / CHIP Enrollment using data from Centers for Medicare & Medicaid Services. This page links to the indicator and the source ...
Federal Deposit Insurance Corporation
Auto1 indicator
American Default tracks Unbanked Household Rate using data from Federal Deposit Insurance Corporation. This page links to the indicator and the source website.
Federal Reserve System
Federal Reserve Bank of New York
Auto9 indicators
American Default tracks indicators using data from Federal Reserve Bank of New York, including Auto Loans 90+ Days Past Due, HELOC Balances Outstanding, and ...
Federal Reserve Bank of Philadelphia
Auto2 indicators
American Default tracks indicators using data from Federal Reserve Bank of Philadelphia, including Adults Who Paid Less or Skipped Bills and Revolving Credit...
Federal Reserve Bank of Chicago
Auto1 indicator
American Default tracks NFCI Non-Financial Leverage Subindex using data from Federal Reserve Bank of Chicago. This page links to the indicator and the source...
Federal Reserve Bank of Atlanta
Auto1 indicator
American Default tracks Atlanta Fed Wage Growth Tracker (1st Quartile) using data from Federal Reserve Bank of Atlanta. This page links to the indicator and ...
Industry & Research
ATTOM Data Solutions
Parsed2 indicators
American Default tracks indicators using data from ATTOM Data Solutions, including Foreclosure Filings YoY Change and Foreclosure Starts vs. Bank Repossessio...
Vanguard
Parsed2 indicators
American Default tracks indicators using data from Vanguard, including 401(k) Loan Outstanding Rate and Vanguard Hardship Withdrawal Rate. This page links to...
Challenger, Gray & Christmas
Auto2 indicators
American Default tracks indicators using data from Challenger, Gray & Christmas, including AI-Attributed Layoff Announcements and Challenger Job Cut Announce...
CoreLogic / Cotality
Parsed1 indicator
American Default tracks Cotality Current-to-30-Day Mortgage Transition Rate using data from CoreLogic / Cotality. This page links to the indicator and the so...
Mortgage Bankers Association
Manual1 indicator
American Default tracks FHA Mortgage Delinquency Rate using data from Mortgage Bankers Association. This page links to the indicator and the source website.
TransUnion
Parsed1 indicator
American Default tracks TransUnion Credit Card Borrower Delinquency using data from TransUnion. This page links to the indicator and the source website.
Equifax
Parsed1 indicator
American Default tracks Bankcard Balances 60+ Days Past Due (Equifax) using data from Equifax. This page links to the indicator and the source website.
The Conference Board
Auto1 indicator
American Default tracks Conference Board Consumer Expectations Index using data from The Conference Board. This page links to the indicator and the source we...
Bank of America Institute
Manual1 indicator
American Default tracks Share of Bank of America Checking Households Living Paycheck to Paycheck using data from Bank of America Institute. This page links t...
Indeed
Auto1 indicator
American Default tracks Indeed Job Postings Index (US) using data from Indeed. This page links to the indicator and the source website.
Indeed Hiring Lab AI Tracker
Auto1 indicator
American Default tracks AI Share of Indeed Job Postings using data from Indeed Hiring Lab AI Tracker. This page links to the indicator and the source website.
Bankrate
Manual1 indicator
American Default tracks Share of Adults Who Would Use Savings for a $1,000 Emergency using data from Bankrate. This page links to the indicator and the sourc...
Academic & Nonprofit
University of Michigan
Auto1 indicator
American Default tracks University of Michigan Consumer Sentiment Index using data from University of Michigan. This page links to the indicator and the sour...
METR
Auto1 indicator
American Default tracks METR 50% Task-Completion Horizon using data from METR. This page links to the indicator and the source website.
Financial Health Network
Manual1 indicator
American Default tracks Financially Healthy Households (Financial Health Network) using data from Financial Health Network. This page links to the indicator ...
Opportunity Insights
Parsed1 indicator
American Default tracks Top vs Bottom Income Quartile Spending Gap using data from Opportunity Insights. This page links to the indicator and the source webs...
Derived Indicators
For details on how these sources feed into the American Distress Index, see our methodology.