Household Debt Service and Financial Obligations Ratios (FOR)
Announcements
This feed provides information about household debt service and financial obligations ratios data from the Federal Reserve Board's FOR release available through the Data Download Program (DDP).
April 02, 2024
Data Download Program and Federal Reserve Economic Data Partnership
The Board of Governors of the Federal Reserve System and the Federal Reserve Bank of St. Louis's Federal Reserve Economic Data (FRED) program are working together to expand options for finding, accessing, and visualizing data from the Board's Data Download Program (DDP) in FRED. Learn more about the DDP and FRED partnership.
The Financial Obligations Ratios (FOR) statistical release will no longer be published. The release of 2023:Q3 data will be the final update. The Board has decided to stop publishing the Financial Obligations Ratios (FOR) due to a lack of high-quality data on property tax and homeowners' insurance payments. For users interested in adjusting the DSR for rental expenditures, data on rental of tenant-occupied nonfarm housing are available from the Bureau of Economic Analysis. The Board will continue to publish household debt service ratios.
March 09, 2023
Federal Reserve Board to make formatting changes to DDP XML files
On March 26, 2023, the Federal Reserve will make minor changes to the format of all XML files released through the Data Download Program (DDP).
The changes include
- adding line breaks in message headers to improve readability;
- removing extra spaces before closing tags of observations;
- and some long description text that was previously truncated will no longer be truncated.
These changes will help expedite the release of some public DDP releases and lay the groundwork for continued improvements in the future.
August 15, 2022
Federal Reserve Board seeks DDP users for online survey
The Federal Reserve Board is conducting an online survey to
collect data on online usage and consumption preferences of users of the
Board's Data Download Program (DDP) website.
Federal Reserve Board seeks DDP users for focus groups
The Federal Reserve Board is conducting focus groups to collect data on online usage and consumption preferences of users of the Board's Data Download Program (DDP) website.
Upcoming changes to the Household Debt Service and Financial Obligations Ratios
Starting with the 2013: Q3 Financial Obligations Ratio (FOR) and Debt Service Ratio (DSR) publication, to be released December 2013, we will publish two subcomponents of the DSR and cease publication of the four existing subcomponents of the FOR. The first new statistic is the Mortgage DSR, defined as the total quarterly required mortgage payments divided by total quarterly disposable personal income. The second new statistic is the Consumer DSR, defined as the total quarterly required consumer debt payments divided by total quarterly disposable personal income. The DSR is the sum of the Mortgage DSR and the Consumer DSR. Most users should find the new DSR components more useful analytically than the former FOR components. The FOR components are being eliminated because of challenges inherent in measuring them accurately. Publication of the total FOR will continue.
December 14, 2011
Correction to the household debt service and financial obligations ratios (FOR) data download program (DDP), released December 13, 2011
Wednesday, December 14, 2011 The data for the household debt service and financial obligations ratios (FOR) in the data download program (DDP), released December 13, 2011, did not include data through the third quarter. Updated data for are now available: http://www.federalreserve.gov/datadownload/Choose.aspx?rel=FOR. This correction notice pertains only to the data provided by the DDP.
November 08, 2011
New graphics options are now available from the Data Download Program (DDP)
Users can now view plotted data as column charts, and add U.S. recession shading, while using the "View chart" function of the Data Download Program (DDP).
December 02, 2010
New interactive graphics feature of Data Download Program (DDP)
Users will now be able to create and view interactive graphics of data packages from the program before downloading the underlying data and charts. The charting feature allows users to view multiple data series on a single chart as well as to display individual data points. The charts can be saved as PDFs or in a standard image file format (PNG) for publication and redistribution.
"Graphics play an important role in identifying data trends and relationships," said Federal Reserve Vice Chair Janet L. Yellen. "With the help of this intuitive new user interface, it's now possible to create customized charts directly from Federal Reserve statistical data."
December 10, 2007
Household debt service and financial obligations data are now available from the Data Download Program
Data on household debt service and financial obligations ratios (FOR) are now available for customizable download through the Federal Reserve Board's Data Download Program (DDP). These data will be updated quarterly.