{"ok":true,"source":"LouieAuto moat-intelligence DB (FRED/EIA/Census + operator signals)","generated_at":"2026-05-24 06:00:00","status":"live","signals":{"credit_environment":{"title":"Subprime auto delinquency hits record — Q1 2026","summary":"60+ day auto delinquency on subprime pools reached 6.9% — highest on record since Fitch began tracking.","source":"Fitch ABS index (Q1 2026 update)","as_of_date":"2026-05-24","strength_score":92},"consumer_sentiment":{"title":"University of Michigan Consumer Sentiment — April 2026","summary":"UMich index 47.6 — April 2026 preliminary release (lowest since 2022). FRED UMCSENT series shows March final at 53.3; April preliminary at 47.6 confirms trend continuation.","source":"UMich consumer survey — April 2026 preliminary. FRED series UMCSENT. Released first and last Fri each month.","as_of_date":"2026-05-24","strength_score":90},"rate_environment":{"title":"FRED Auto Rate Snapshot — Apr 30 2026","summary":"48-mo new auto 7.36%. 5-yr Treasury 4.05%. Prime 6.75%. Fed Funds 3.64%.","source":"FRED (Federal Reserve Economic Data) — live pull Apr 30 2026","as_of_date":"2026-04-30","strength_score":90},"fuel_prices":{"title":"US national retail gas price — week ending April 14, 2026","summary":"EIA weekly survey: $3.89/gal regular (week ending Apr 14, 2026). FRED GASREGW (Apr 27): $4.123/gal — these are sequential weekly readings from two different federal survey series, not a conflict.","source":"EIA.gov weekly gasoline survey (regional) + FRED GASREGW series (national). Both updated weekly.","as_of_date":"2026-05-24","strength_score":88},"subprime_delinquency":{"title":"Subprime ABS Delinquency 6.9% 60+DPD — 32-Year Record","summary":"Subprime auto ABS 60-day delinquency at 6.9% — highest since 1994. Lenders tightening.","source":"Fitch Ratings Subprime Auto ABS Index, Jan 2026","as_of_date":"2026-04-30","strength_score":88},"lender_environment":{"title":"Q2 2026 lender posture summary","summary":"Capital One tightening sub-540. Westlake holding. CAC steady. Santander raising DTI bar. GLS aggressive on rebuilders.","source":"dealer-track lender bulletins + RouteOne program notes","as_of_date":"2026-05-24","strength_score":85},"ev_wholesale":{"title":"Off-Lease EV Flood — 300K+ Units H2 2026","summary":"300,000+ off-lease EVs returning H2 2026. EV wholesale collateral risk elevated.","source":"Cox Automotive Market Insights, Manheim EV Index, Apr 2026","as_of_date":"2026-04-30","strength_score":85},"macro_live":{"title":"Federal Funds Rate (FEDFUNDS) — 2026-03-01","summary":"Federal Funds Rate: 3.64 % as of 2026-03-01 (source: FRED).","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=FEDFUNDS","as_of_date":"2026-03-01","strength_score":85},"credit_environment_live":{"title":"Delinquency Rate on Consumer Loans, All Banks (DRCLACBS) — 2025-10-01","summary":"Delinquency Rate on Consumer Loans, All Banks: 2.62 % as of 2025-10-01 (source: FRED).","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=DRCLACBS","as_of_date":"2025-10-01","strength_score":85},"auto_market_live":{"title":"Total Vehicle Sales (SAAR) (TOTALSA) — 2026-03-01","summary":"Total Vehicle Sales (SAAR): 16.686 M units, annualized as of 2026-03-01 (source: FRED).","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=TOTALSA","as_of_date":"2026-03-01","strength_score":85},"consumer_sentiment_live":{"title":"University of Michigan Consumer Sentiment Index (UMCSENT) — 2026-03-01","summary":"University of Michigan Consumer Sentiment Index: 53.3 index as of 2026-03-01 (source: FRED).","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=UMCSENT","as_of_date":"2026-03-01","strength_score":85},"fuel_prices_live":{"title":"US Retail Gasoline Price (Regular, Weekly) (GASREGW) — 2026-04-27","summary":"US Retail Gasoline Price (Regular, Weekly): 4.123 $/gal as of 2026-04-27 (source: FRED).","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=GASREGW","as_of_date":"2026-04-27","strength_score":85}},"note":"Aggregate-only. k≥5 anonymization applied. No per-dealer, per-customer, or per-vehicle rows. See /api/outcomes/dashboard for closed-loop routing proof.","related":{"outcomes_dashboard":"/api/outcomes/dashboard","attribution":"/attribution"}}