American Default Research

org.americandefaultPublished by americandefault.orgOfficial publisherv1.1.1Updated Nov 3, 2026

Read-only U.S. household-finance research: economic indicators, county scores, ADI and citations.

VerifiedStreamable HTTPWeb executableFinanceData & Analytics

Overview

American Default Research's hosted MCP server (mcp.americandefault.org), published by americandefault.org; no sign-in required; Streamable HTTP; 6 tools.

No AI overview yet: these facts come from the registry entry and the server itself.

Publisher
americandefault.org
Endpoint
mcp.americandefault.org
Last checked

Installation

In SourceWeft

  1. Open American Default Research in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/org.americandefault%2Fresearch/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "american-default-research": {
      "type": "http",
      "url": "https://mcp.americandefault.org/mcp"
    }
  }
}

README

American Default Research MCP

Read-only research tools for U.S. household financial distress: economic indicators, county scorecards, and the American Distress Index, with dates, original publishers, and citations. The public service requires no account or API key for normal use. It does not access private homeowner records or expose the warehouse, arbitrary SQL, or financial transactions.

Connect to the hosted service

Endpoint: https://mcp.americandefault.org/mcp

Transport: Streamable HTTP. Public documentation: https://americandefault.org/press/mcp/

In Claude, open Customize, Connectors, and add a custom connector using that URL. In ChatGPT, use the custom MCP connection in developer mode where your account supports it. Directory publication is a separate platform review; this README does not claim that either platform has approved the listing.

Anonymous access allows 10 calls per minute and 60 per hour per IP block. Higher-volume users can request an issued key through the public documentation. The static JSON endpoints are the suitable route for permitted bulk downloads. HTTP clients reading the website or its JSON endpoints should send a descriptive User-Agent identifying their application. Cloudflare Pages may reject a library's default identity with error 1010; a descriptive application name works without impersonating a browser. The hosted MCP transport is a separate endpoint.

Domain discovery

The main domain advertises the connector at https://americandefault.org/.well-known/ai-catalog.json. Its entry points to https://mcp.americandefault.org/mcp/server-card, using the experimental MCP Server Card format. This format describes identity and connection details; tools remain discoverable through the MCP protocol.

For clients using Cloudflare's earlier discovery convention, both domains serve /.well-known/mcp/server-card.json. That compatibility card includes the exact tool descriptions and input schemas returned by the running SDK. The main-domain route proxies only this public metadata from the MCP host, without forwarding cookies or authorization. Cards support CORS, HEAD and conditional ETag requests. The registry metadata supplies the same name and version used at initialization. Discovery metadata does not grant access or guarantee agent recommendations.

Research examples

  • Find indicators about mortgage delinquency, then retrieve the latest reading with its period and source.
  • Retrieve King County, Washington's county distress scorecard using FIPS 53033.
  • Retrieve the latest American Distress Index, its domains, and its historical reading. The index describes conditions and does not forecast outcomes.

Tools

ToolInputResult
search_indicatorsquery, optional limit (maximum 50)Matching indicators and public page links
get_indicator_v2slug, response_version: "v2"Latest reading, sources, citations, freshness and comparison warnings
get_indicatorslugLegacy v1 reading and citations
get_county_scorecardCounty fipsScore, domains, findings, dates and citations
get_adi_compositeNoneLatest published quarter, domains and historical context
get_cross_correlationsIndicator slugValidated research relationships; empty results are normal

Prefer v2 when comparing indicators. A series break or a suppressed trend means readings may not be comparable. Historical indicators are not presented as current. Full histories, where available, are at https://americandefault.org/api/indicators/{slug}.json.

Source and installation

This public repository is a source reference for the hosted connector. The production service also uses shared formatting, index metadata and public data files maintained separately. Cloning this repository alone does not provide a complete local data installation. Connect to the hosted endpoint above for normal use; no local process, API key or data download is needed.

For Cursor, add this to the client's MCP server configuration:

json
{  "mcpServers": {    "american-default-research": {      "url": "https://mcp.americandefault.org/mcp"    }  }}

For Cline, set the transport explicitly in cline_mcp_settings.json:

json
{  "mcpServers": {    "american-default-research": {      "type": "streamableHttp",      "url": "https://mcp.americandefault.org/mcp"    }  }}

All six tools are read-only. Invalid slugs or county codes return errors rather than fabricated results. The hosted HTTP health endpoint is /up.

Attribution and privacy

Our analysis is free to use with attribution to American Default Research. Source data stays under each publisher's terms; cite the source named here. These research tools do not need conversation history, account credentials, private documents, or personal financial details. Request bodies and bearer credentials must not be logged. The site's privacy policy is https://americandefault.org/privacy/.

Directory listing

[American Default Research on AllMCPs]

Source: README.md at commit 98273ee

Tools

6

get_indicator

Get indicator

Fetch a compact snapshot of an American Default economic indicator by slug. Returns latest value, unit, frequency, direction, pre-computed aggregates (period averages, extremes, sustained runs), editorial prose (when available), and canonical APA / MLA / Chicago / news-copy citations. Raw historical series is NOT included — use https://americandefault.org/api/indicators/{slug}.json for the full data. Slug examples: 'the-buffer' (personal savings rate), 'mortgage-delinquency-rate', 'initial-unemployment-claims-sa'.

Parametersslugrequired

get_indicator_v2

Get indicator (v2)

Fetch an explicitly versioned compact indicator snapshot. Returns the latest value and canonical citation plus `trend_suppressed` and `series_breaks` comparison-safety fields. Callers must pass `response_version='v2'`; unsupported versions fail closed. The legacy `get_indicator` tool remains pinned to its original v1 shape.

Parametersslugrequiredresponse_versionrequired

get_county_scorecard

Get county scorecard

Fetch a county's County Distress Index (CDI) scorecard by 5-digit FIPS code. Returns the 0-100 score (the share of the other U.S. counties with a lower composite, rounded down; field composite_score), score label, national + state rank (national_rank_ordinal is filled only for the top and bottom 100, where the site prints it), 5-domain breakdown (Delinquency, Default & Legal, Debt Burden, Labor, Safety Net & Buffer), key findings, and pre-baked APA / MLA / Chicago / news-copy citations. Accepts 4-digit FIPS with implicit leading zero. 3,144 counties available.

Parametersfipsrequired

get_adi_composite

Get ADI composite

Fetch the latest quarterly reading of the American Distress Index (ADI) composite. Returns the composite score (0-100), band (1-5) with its label, the composite's rank in its own published history (rank_in_history.reading: quote this beside the band label), the methodology reading of the inputs, and the five-domain breakdown (Delinquency, Default & Legal, Debt Burden, Labor, Safety Net & Buffer) with domain scores and member component percentiles. Updated quarterly.

Takes no parameters.

search_indicators

Search indicators

Search the 121-indicator registry by keyword. Returns ranked matches (up to `limit`, default 10, max 50) with slug, branded name, underlying name, category, and canonical URL. Scoring is substring+prefix over slug, branded_name, name, and category — e.g. query 'savings' returns both The Buffer (personal saving rate) and The Safety Net (emergency savings survey). Use this when you want to discover which slug corresponds to a concept before calling `get_indicator`.

Parameterslimitqueryrequired

get_cross_correlations

Get cross-correlations

Fetch statistically-validated leading/lagging relationships for an indicator. Source: the five-filter leading-indicator scanner (cross-correlation → first-differenced CCF → multi-crisis validation → Granger causality → out-of-sample validation). Returns two lists: `as_leader` (pairs where this indicator precedes its follower) and `as_follower` (pairs where another indicator precedes this one). Only fully-validated pairs are included — partial matches are not surfaced. Most of the 121 indicators return empty lists; only a handful of pairs clear the full gauntlet.

Parametersslugrequired

Version history

2
  1. v1.1.1LatestNov 3, 2026
  2. v1.0.1Sep 16, 2026

Score

90% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts

    Declare a license in the repository or the registry entry.