Consumer and Labor Income
Tracks whether final demand is funded by wages and income or by savings depletion and credit.
Layer Health Score
70
Current strength from layer metric scores weighted by data confidence.
Layer Stress Buffer
56
How much cushion this layer has against overheating and deterioration signals. Higher means more room.
Layer Data Confidence
100
Freshness, estimate labeling, and source coverage for this layer.
Consumer and Labor Income Trend
Positive Drivers
Credit Card Delinquency Trend+20.0
Consumer Credit ComplexChange -3.04FRED DRCCLACBS
Credit Card Delinquency Trend+20.0
Household DebtChange -3.04FRED DRCCLACBS
Unemployment Rate Six-Month Change+20.0
Retail DemandChange -0.2FRED UNRATE
Negative Drivers
Real Disposable Personal Income Growth-20.0
Retail DemandChange -1.05FRED DSPIC96
Real Disposable Personal Income Growth-20.0
US Consumer MacroChange -1.05FRED DSPIC96
Revolving Consumer Credit Growth Acceleration-8.4
Consumer Credit ComplexChange -0.06FRED REVOLSL
Layer Metrics
| Metric | Layer | Direction | Weight | Latest | Data Confidence |
|---|---|---|---|---|---|
| Real Disposable Personal Income Growth | Consumer and Labor Income | Higher is better | 0.2 | -1.1 | 100 |
| Personal Consumption Expenditure Growth | Consumer and Labor Income | Middle range is better | 0.2 | 2.1 | 100 |
| Revolving Consumer Credit Growth Acceleration | Consumer and Labor Income | Lower is better | 0.2 | 1.68 | 100 |
| Unemployment Rate Six-Month Change | Consumer and Labor Income | Lower is better | 0.2 | -0.1 | 100 |
| Credit Card Delinquency Trend | Consumer and Labor Income | Lower is better | 0.2 | 0 | 100 |
Layer Alerts
| Severity | Date | Title | Layer | Entity | Evidence |
|---|---|---|---|---|---|
| Watch | Consumer spending rose while real income weakened Real disposable income declined while consumer spending rose and revolving credit accelerated. | Consumer and Labor Income | Retail Demand |