American Default Research

American Default Research is an independent data project that tracks U.S. household financial distress. It publishes the American Distress Index and provides county‑level, state‑level, and national distress scores, methodology, data sources, and analysis. The site offers free data downloads, visualizations, and research reports to help policymakers, journalists, and the public understand economic hardship trends.

American Default Research is listed with 1 API on the APIs.io network. Tagged areas include Finance, Data, Research, Economics, and US.

American Default Research’s developer surface includes documentation, changelog, getting-started guide, support, and 8 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

13.1/100 emerging ▼ -6.5 Agent 0/100 human only Heartbeat 100/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessOpen

1 API

Finance Data Research Economics US

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 13.1/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.2 / 17

Access Clarity 1.8 / 17

Operational Transparency 0.9 / 11

Contract Governance 0.0 / 10

Discoverability 5.7 / 9

Regulatory Posture 2.9 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

13 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 10.5 — up to +17.9 composite points
Developer Ergonomics scores 13.1 — up to +17.4 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/americandefault-org/apis.yml: open an issue on github.com/api-evangelist/americandefault-org to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

American Default GraphQL API

GraphQL API providing access to American Default data (authentication required)

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Americandefault Org Authentication

0 schemes

SECURITY

Americandefault Org Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Americandefault Org Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Resources

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Newsroom

Newsroom

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: americandefault-org
name: American Default Research
description: American Default Research is an independent data project that tracks U.S. household financial distress. It publishes
  the American Distress Index and provides county‑level, state‑level, and national distress scores, methodology, data sources,
  and analysis. The site offers free data downloads, visualizations, and research reports to help policymakers, journalists,
  and the public understand economic hardship trends.
accessModel:
  pricing: unknown
  onboarding: open
  trial: false
  try_now: false
  public: true
  gated: none
  gated_source:
  - onboarding
  label: Open access
  confidence: low
  probe_state: gated
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://americandefault.org/apple-touch-icon.png
url: https://artifacts.apis.io/americandefault-org/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-11-01 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-11-01'
modified: '2026-11-01'
x-coverage:
  state: gated
  reason: auth-required
  detail: GraphQL endpoint at https://americandefault.org/api/graphql requires authentication (401)
  evidence:
  - url: https://americandefault.org/api/graphql
    status: 401
  checked: '2026-11-01'
tags:
- Finance
- Data
- Research
- Economics
- US
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: LLMsTxt
  url: llms/americandefault-org-llms.txt
- type: Hosts
  url: hosts/americandefault-org-hosts.yml
- type: Vendors
  url: vendors/americandefault-org-vendors.yml
- type: Newsroom
  url: https://americandefault.org/press/
- type: Documentation
  url: https://americandefault.org/guides/car-repossession-rates/
- type: ChangeLog
  url: https://americandefault.org/methodology/releases/
- type: DomainSecurity
  url: security/americandefault-org-domain-security.yml
- type: Website
  url: https://americandefault.org/
- type: GettingStarted
  url: https://americandefault.org/about/
- type: Support
  url: https://americandefault.org/help/
- type: PrivacyPolicy
  url: https://americandefault.org/privacy/
- type: TermsOfService
  url: https://americandefault.org/terms/
apis:
- name: American Default GraphQL API
  description: GraphQL API providing access to American Default data (authentication required)
  humanURL: https://americandefault.org/api/graphql
  baseURL: https://americandefault.org/api
  aid: americandefault-org:american-default-graphql-api
x-enrichment:
  date: '2026-11-01'
  status: enriched
  artifacts_added: 19
  pass: modular-v1
  engine: identity=oss,contract=oss,surfaces=oss,docs=oss,regulatory=oss

American Default Research API — frequently asked questions

Does American Default Research have an API?

Yes. APIs.io lists 1 API from American Default Research, including American Default GraphQL API.

How do I authenticate with the American Default Research API?

American Default Research documents its authentication (0 schemes). The details are profiled on APIs.io as Americandefault Org Authentication.

Is the American Default Research API ready for AI agents?

American Default Research has a Kin Score of 13.1 out of 100 (emerging) and an Agent Readiness score of 0.0 (human-only), scored by API Evangelist on 2026-11-06.

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get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
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