American Default Research
REMOTE · MCP.AMERICANDEFAULT.ORG
Read-only U.S. household-finance research: economic indicators, county scores, ADI and citations.
Available components
Last scanned (7 hours ago)
Scores higher than 88% of remote servers
Reachable. Last reached 6 Nov 2026.
Category Data and Analytics
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security74
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Nothing on it is marked destructive, but we can't show that an anonymous caller can only read: full credit needs the server to list at least one tool and every tool to be verifiably read-only. We use a best-effort check of tool names and descriptions to tell read-only tools from tools that change things, so some genuinely read-only tools may not get full credit. Names that start with a read verb (get, list, read, search and similar) and accurate readOnlyHint annotations help. Meet that to earn full credit, or require authorisation. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability69
- AI-judged instruction clarity (excellent).Pass
- Context-footprint check failed: tool/resource definitions use about 1141 tokens (~190/item across 6 items; 6 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management100
- No destabilizing schema changes in the last 30 days.Pass
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 6 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 7 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a current MCP spec version (2026-07-28).Pass
Checks we ran (13)
- TLS certificate
- Authorization
- HTTPS
- HSTS header
- DNSSEC
- Transport
- Schema quality
- Stability
- Tool coverage
- Injection markers
- Destructive annotations
- Judged manipulation
- MCP protocol
Does not apply to this hosted endpoint (2)
- Supply Chain SecurityScored on package channels only. This is a hosted endpoint, so there is nothing to install or inspect.
- Provenance & TransparencyScored on package channels only. This is a hosted endpoint, so there is nothing to install or inspect.
The score does not measure everything. What the score does not measure →
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 6 Nov 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 5 Nov 26 0
- Stability: 0.97 → pass security
- 4 Nov 26 0
- Stability: pass → 0.97 functional
- 3 Nov 26 0
- The server changed its declared name: american-default-mcp → org.americandefault/research security
- 2 Nov 26 −1
- The server rewrote its instructions, which are the text every model session reads security
- Tool “get_indicator” rewrote its description, which is the text the model reads security
- Schema quality: 170 → 190 ▼ functional
- “get_indicator” reworded the description of “slug” cosmetic
- 1 Nov 26 0
- Tool “get_adi_composite” rewrote its description, which is the text the model reads security
- Tool “get_county_scorecard” rewrote its description, which is the text the model reads security
- Tool “get_cross_correlations” rewrote its description, which is the text the model reads security
- Tool “search_indicators” rewrote its description, which is the text the model reads security
- MCP protocol: Implements a current MCP spec version (2026-07-28). functional
- MCP protocol version: 2025-11-25 → 2026-07-28 functional
- “get_indicator” reworded the description of “slug” cosmetic
- 28 Sept 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 25 Sept 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 6 Nov 2026 · Probed https://mcp.americandefault.org/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=mcp.americandefault.org | CN=WR3,O=Google Trust Services,C=US | 12 Oct 2026 | 10 Jan 2027 | RSA 2048 | SHA256-RSA | 41604ca804a471660965bd8329a69f16 |
| SANs: mcp.americandefault.org | ||||||
| CN=WR3,O=Google Trust Services,C=US (CA) | CN=GTS Root R1,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | RSA 2048 | SHA256-RSA | 7ff005a91568d63abc22861684aa4b5a |
| CN=GTS Root R1,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 19 Jun 2020 | 28 Jan 2028 | RSA 4096 | SHA256-RSA | 77bd0d6cdb36f91aea210fc4f058d30d |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of mcp.americandefault.org. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | Trust anchor | 20326, 38696 | 8, 8 | Verified |
| org. | DS published | 725, 26974 | 8, 8 | Verified |
| americandefault.org. | No DS | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://mcp.americandefault.org/mcp | Verified | 200 | |
| http (plaintext) | http://mcp.americandefault.org/mcp | HTTPS enforced | 302 | https://mcp.americandefault.org/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
get_adi_composite ~113
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.
Input schema present but exposes no named parameters.
No output schema declared.
No examples provided.
get_county_scorecard ~201
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.
| Name | Type | Req | Description |
|---|---|---|---|
| fips | string | yes | The 5-digit numeric county FIPS code as a string (e.g., '13063' for Clayton County, GA). 4-digit values are zero-padded internally. 3,144 counties available. |
No output schema declared.
No examples provided.
get_cross_correlations ~189
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.
| Name | Type | Req | Description |
|---|---|---|---|
| slug | string | yes | The kebab-case indicator slug to look up (e.g., 'the-buffer', 'initial-unemployment-claims-sa'). Returns split lists of pairs where this indicator is the leader vs the follower. Empty lists are commo… |
No output schema declared.
No examples provided.
get_indicator ~182
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'.
| Name | Type | Req | Description |
|---|---|---|---|
| slug | string | yes | The kebab-case indicator slug (e.g., 'the-buffer' for personal savings rate, 'mortgage-delinquency-rate', 'initial-unemployment-claims-sa'). 121 indicators available. Use `search_indicators` first to… |
No output schema declared.
No examples provided.
get_indicator_v2 ~139
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.
| Name | Type | Req | Description |
|---|---|---|---|
| response_version | string | yes | Required explicit response contract version. The only supported value for this tool is 'v2'. |
| slug | string | yes | The kebab-case indicator slug (e.g., 'the-buffer' or 'the-pinch'). Use `search_indicators` to discover slugs. |
No output schema declared.
No examples provided.
search_indicators ~198
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`.
| Name | Type | Req | Description |
|---|---|---|---|
| limit | integer | – | Max number of ranked matches to return. Default 10. Hard cap 50 (values above are clamped). Values above 1000 are rejected as abuse. |
| query | string | yes | The keyword to search (e.g., 'savings', 'mortgage', 'inflation'). Scoring runs substring + prefix matching over slug, branded_name, name, and category fields. |
No output schema declared.
No examples provided.
How do I install the American Default Research MCP server?
American Default Research is a hosted endpoint at https://mcp.americandefault.org/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · mcp.americandefault.org
claude mcp add --transport http org-americandefault-research 'https://mcp.americandefault.org/mcp'
What is the American Default Research MCP server?
American Default Research is an MCP server listed in the public MCP registry as org.americandefault/research. Read-only U.S. household-finance research: economic indicators, county scores, ADI and citations. This page covers its hosted endpoint (https://mcp.americandefault.org/mcp).
Is the American Default Research MCP server safe to use?
American Default Research scores 84 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the American Default Research MCP server expose?
American Default Research exposes 6 tools: get_indicator, get_indicator_v2, get_county_scorecard, get_adi_composite, search_indicators, get_cross_correlations. Their descriptions and schemas cost roughly 1,022 tokens of context every time the server is loaded.
Does the American Default Research MCP server require authentication?
No. We connected to American Default Research without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the American Default Research MCP server still maintained?
American Default Research is still listed as active in the MCP registry. We last reached this channel on 6 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.
What did VerifyMCP test on the American Default Research MCP server?
VerifyMCP ran 13 checks on American Default Research, covering TLS certificate, Authorization, HTTPS, HSTS header and 9 more. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.