Estate catalog
Data catalog
What FinObservatory is built on. Each entry names the publisher, states the licence, shows the coverage actually held, and links to the source.
FinObservatory does not redistribute licence-encumbered data. Most of what makes this platform interesting is licence-encumbered (the crisis atlas, the long-run rate histories, the systemic-risk series), and those datasets are catalogued, cited, and linked to the publisher, never republished: you get the publisher’s current vintage rather than a stale copy of it, on the publisher’s own terms. The open, redistribution-permitted spine is different. It is served in full, with its licence attached to every response, through the read-only data API below.
Coverage below is queried from the live data when this page is built, not typed. Full lineage, including every transformation, is in the methodology.
Estate freshness
The latest observation held for the fast-moving layers, queried from the live data when this page was built. Daily-tier series refresh via the documented pipeline (scripts/refresh.sh); crisis chronologies are reviewed vintage merges, never auto-refreshed. The last column states the publisher’s own release cadence and links to the schedule page it was verified against.
Sources
FDIC bank health scores
236,016 rows · through 2026-03-31
The FinObservatory composite score and its five components for every active US bank, built from the quarterly Call Reports.
Publisher: FDIC BankFind Suite / FFIEC Call Reports
Licence: US government work, public domain (17 U.S.C. 105). The FDIC requests acknowledgment.
FDIC deposit market structure
104,442 rows · through 2025
Branch-level Summary of Deposits aggregated to market concentration by state and county.
Publisher: FDIC Summary of Deposits
Licence: US government work, public domain (17 U.S.C. 105). The FDIC requests acknowledgment.
FDIC bank failures
4,115 rows · through 2026-05-01
Every US bank failure and assistance transaction on the FDIC's register.
Publisher: FDIC BankFind Suite, Failures and Assistance Transactions
Licence: US government work, public domain (17 U.S.C. 105). The FDIC requests acknowledgment.
FDIC institution directory
28,030 rows
The universe of insured institutions: charter, state, class, status.
Publisher: FDIC BankFind Suite, Institution Directory
Licence: US government work, public domain (17 U.S.C. 105). The FDIC requests acknowledgment.
FinObservatory Financial Conditions Index
41,994 rows · through 2026-07-17
FinObservatory's own conditions index and its components. Derived here, not published anywhere else: the inputs are FRED and BIS, and the construction is in the methodology.
Publisher: Derived by FinObservatory from FRED and BIS inputs
Licence: The index is FinObservatory's own construction; cite FinObservatory. Its inputs are FRED (public) and BIS (permitted-use, see the BIS entry).
US credit cycle series
3,805 rows · through 2026-04-01
Senior Loan Officer Opinion Survey standards and demand, H.8 bank credit, and Z.1 debt aggregates.
Publisher: FRED (Federal Reserve Board releases)
Licence: FRED Terms of Use. Publicly downloadable Federal Reserve products.
BIS credit-to-GDP gaps
24,488 rows · through 2025-12-31
The Basel III countercyclical-buffer gap: credit to the private non-financial sector against its long-run trend.
Publisher: Bank for International Settlements
Licence: BIS terms of permitted use for BIS statistics. Cite the BIS; check the terms before any onward use.
NY Fed reference rates
38,536 rows · through 2026-07-17
SOFR, EFFR and the SOFR Averages.
Publisher: Federal Reserve Bank of New York
Licence: NY Fed Terms of Use. The New York Fed is not responsible for any republication of these rates, does not sanction or endorse it, and has no liability for your use.
EIA energy prices and fundamentals
36,392 rows · through 2026-07-13
Crude and natural-gas spot prices (WTI, Brent, Henry Hub), retail gasoline and diesel, US crude production, and the weekly crude and gas inventories.
Publisher: U.S. Energy Information Administration
Licence: US government work, public domain (17 U.S.C. 105). EIA states its data are not subject to copyright and may be reproduced without permission; a citation to EIA is requested.
IMF COFER reserve composition
948 rows · through 2026-Q1
The currency composition of official foreign-exchange reserves.
Publisher: International Monetary Fund, COFER
Licence: IMF data terms. Cite the IMF; check the terms before any onward use.
IMF sovereign debt panel
34,982 rows · through 2031
General-government debt as a share of GDP, from the Global Debt Database and the World Economic Outlook.
Publisher: International Monetary Fund (GDD, WEO)
Licence: IMF data terms. Cite the IMF; check the terms before any onward use.
API
A public, read-only data API in the style of the OFR's data.financialresearch.gov: no registration, no key, JSON or CSV. It serves only the 10 redistributable datasets above; nothing on the never-republished list below is served.
GET /api/v1index of every dataset: id, title, source, licence, row count, URLs, docs.GET /api/v1/{id}the dataset as a JSON envelope with its licence and citation attached.GET /api/v1/{id}?format=csvthe full dataset as CSV, with the same source-notice comment header the exports carried.
Responses carry Cache-Control: public, s-maxage=3600. JSON responses cap at the 50,000 most recent rows (truncated: true with total_rows when the cap binds); CSV always carries the full dataset. An unknown id returns 404 with the list of available ids.
| Dataset id | Rows | Licence |
|---|---|---|
| bank_scores_latest | 4,352 | US government work, public domain (17 U.S.C. 105). The FDIC requests acknowledgment. |
| fdic_deposit_market_structure | 104,442 | US government work, public domain (17 U.S.C. 105). The FDIC requests acknowledgment. |
| fdic_failures | 4,115 | US government work, public domain (17 U.S.C. 105). The FDIC requests acknowledgment. |
| fdic_institutions_summary | 75 | US government work, public domain (17 U.S.C. 105). The FDIC requests acknowledgment. |
| finobservatory_financial_conditions | 41,994 | The index is FinObservatory's own construction; cite FinObservatory. Its inputs are FRED (public) and BIS (permitted-use, see the BIS entry). |
| fred_credit_cycle | 3,805 | FRED Terms of Use. Publicly downloadable Federal Reserve products. |
| bis_credit_to_gdp_gap | 24,488 | BIS terms of permitted use for BIS statistics. Cite the BIS; check the terms before any onward use. |
| nyfed_reference_rates | 38,536 | NY Fed Terms of Use. The New York Fed is not responsible for any republication of these rates, does not sanction or endorse it, and has no liability for your use. |
| imf_cofer_reserve_shares | 948 | IMF data terms. Cite the IMF; check the terms before any onward use. |
| imf_sovereign_debt | 34,982 | IMF data terms. Cite the IMF; check the terms before any onward use. |
Envelope shape, from the live imf_cofer_reserve_shares endpoint (rows cut to one here; the API returns all 948):
{
"dataset": "imf_cofer_reserve_shares",
"title": "IMF COFER reserve composition",
"source": "International Monetary Fund, COFER",
"license": "IMF data terms. Cite the IMF; check the terms before any onward use.",
"citation": "Source: IMF, Currency Composition of Official Foreign Exchange Reserves (COFER).",
"data_through": "2026-Q1",
"retrieved": "(ISO timestamp when served)",
"row_count": 948,
"rows": [
{
"currency": "USD",
"quarter": "2026-Q1",
"value": 57.130786895752,
"measure": "share_pct"
}
]
}Held and used, but never republished
These are the datasets FinObservatory analyses but will not pass on, each with the reason. The list is longer than the one above, and it holds most of what the platform is actually for. It is here because a catalog showing only the redistributable slice would misrepresent what the platform runs on.
- Global Macro Database (GMD) crisis and macro panel: Academic and non-profit research licence only; redistribution not permitted.
- Jorda-Schularick-Taylor Macrohistory Database (JST): Free academic access, but commercial redistribution is forbidden.
- Combined crisis atlas (crises_events, crises_panel): Inherits the most restrictive input (GMD, JST): non-commercial research only.
- Laeven-Valencia Systemic Banking Crises Database: IMF-copyright academic dataset with no redistribution licence; take it from the working paper.
- Reinhart-Rogoff global crises data: Research use with citation only; no redistribution licence.
- Baron-Verner-Xiong banking-crisis panel: Academic research dataset; no redistribution licence.
- Cruces-Trebesch sovereign-debt haircuts: Research-use dataset; redistribution not permitted.
- Schmelzing eight-centuries real interest rates: Bank of England working-paper data; terms unclear, so excluded pending confirmation.
- Metrick-Schmelzing banking-intervention chronology: Research chronology; redistribution not permitted.
- Chinn-Ito capital-account openness (kaopen): Non-commercial use only.
- Systemic-risk series (SRISK, CoVaR, MES, absorption): Computed from Yahoo Finance equity data, whose terms restrict redistribution to personal and non-commercial use. Displayed as aggregates only.
- Equity returns (Yahoo Finance): Terms of service restrict redistribution to personal and non-commercial use.
- Shiller CAPE and home-price data: No explicit open-data licence.
- Fama-French factors and industry portfolios: Redistribution terms unclear; excluded pending confirmation.
- External Wealth of Nations (Lane, Milesi-Ferretti): Academic research dataset; no redistribution licence.
- Krippner shadow short rate: Research dataset with no redistribution licence.
- Damodaran valuation and cost-of-capital tables: No explicit redistribution licence; excluded conservatively.
- IMF Article IV and GFSR reports (full text): The IMF licence forbids redistribution. The library cites and links them; it never quotes them.