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

Auto

20 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

Auto

16 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

Parsed

5 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

Auto

4 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

Auto

4 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

Auto

2 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

Auto

2 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

Auto

2 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

Auto

1 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

Auto

1 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

Manual

1 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

Auto

1 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

Auto

1 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

Auto

1 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

Industry & Research

ATTOM Data Solutions

Parsed

2 indicators

American Default tracks indicators using data from ATTOM Data Solutions, including Foreclosure Filings YoY Change and Foreclosure Starts vs. Bank Repossessio...

Vanguard

Parsed

2 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

Auto

2 indicators

American Default tracks indicators using data from Challenger, Gray & Christmas, including AI-Attributed Layoff Announcements and Challenger Job Cut Announce...

CoreLogic / Cotality

Parsed

1 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

Manual

1 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

Parsed

1 indicator

American Default tracks TransUnion Credit Card Borrower Delinquency using data from TransUnion. This page links to the indicator and the source website.

Equifax

Parsed

1 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

Auto

1 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

Manual

1 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

Auto

1 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

Auto

1 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

Manual

1 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

Derived Indicators

🛟
If this affects you, we can help. Get a free action plan · Call (888) 602-4161 Find help near you · Browse the Glossary Prefer a nonprofit? HUD-approved housing counselors offer free foreclosure-prevention counseling (1-800-569-4287).