{"ok":true,"signals":[{"id":80,"category":"macro_live","title":"10-Year Treasury Yield (DGS10) — 2026-08-06","summary":"FRED DGS10 — 10-Year Treasury Yield: 4.69 % as of 2026-08-06. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series DGS10 on 2026-08-10 08:15:05 UTC. Observation value: 4.69 % on 2026-08-06. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","as_of_date":"2026-08-06","dealer_impact":"Benchmark for residual-based lease pricing. Higher 10Y = richer money factor on subvened leases; watch for OEM lease incentive pullbacks.","strength_score":85,"created_at":"2026-08-08 08:15:04","updated_at":"2026-08-10 08:15:05"},{"id":84,"category":"auto_market_live","title":"Total Vehicle Sales (SAAR) (TOTALSA) — 2026-07-01","summary":"FRED TOTALSA — Total Vehicle Sales (SAAR): 16.782 M units, annualized as of 2026-07-01. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series TOTALSA on 2026-08-10 08:15:05 UTC. Observation value: 16.782 M units, annualized on 2026-07-01. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=TOTALSA","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=TOTALSA","as_of_date":"2026-07-01","dealer_impact":"Industry volume pulse. Softening SAAR = OEM incentive programs ramp next cycle; hold off aggressive stacked deals if program changes are imminent.","strength_score":85,"created_at":"2026-08-08 08:15:04","updated_at":"2026-08-10 08:15:05"},{"id":74,"category":"macro_live","title":"10-Year Treasury Yield (DGS10) — 2026-08-05","summary":"FRED DGS10 — 10-Year Treasury Yield: 4.63 % as of 2026-08-05. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series DGS10 on 2026-08-07 08:15:04 UTC. Observation value: 4.63 % on 2026-08-05. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","as_of_date":"2026-08-05","dealer_impact":"Benchmark for residual-based lease pricing. Higher 10Y = richer money factor on subvened leases; watch for OEM lease incentive pullbacks.","strength_score":85,"created_at":"2026-08-07 08:15:04","updated_at":"2026-08-07 08:15:04"},{"id":68,"category":"macro_live","title":"10-Year Treasury Yield (DGS10) — 2026-08-04","summary":"FRED DGS10 — 10-Year Treasury Yield: 4.63 % as of 2026-08-04. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series DGS10 on 2026-08-06 08:15:04 UTC. Observation value: 4.63 % on 2026-08-04. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","as_of_date":"2026-08-04","dealer_impact":"Benchmark for residual-based lease pricing. Higher 10Y = richer money factor on subvened leases; watch for OEM lease incentive pullbacks.","strength_score":85,"created_at":"2026-08-06 08:15:05","updated_at":"2026-08-06 08:15:04"},{"id":62,"category":"macro_live","title":"10-Year Treasury Yield (DGS10) — 2026-08-03","summary":"FRED DGS10 — 10-Year Treasury Yield: 4.7 % as of 2026-08-03. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series DGS10 on 2026-08-05 08:15:05 UTC. Observation value: 4.7 % on 2026-08-03. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","as_of_date":"2026-08-03","dealer_impact":"Benchmark for residual-based lease pricing. Higher 10Y = richer money factor on subvened leases; watch for OEM lease incentive pullbacks.","strength_score":85,"created_at":"2026-08-05 08:15:05","updated_at":"2026-08-05 08:15:05"},{"id":64,"category":"fuel_prices_live","title":"US Retail Gasoline Price (Regular, Weekly) (GASREGW) — 2026-08-03","summary":"FRED GASREGW — US Retail Gasoline Price (Regular, Weekly): 4.079 $/gal as of 2026-08-03. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series GASREGW on 2026-08-10 08:15:05 UTC. Observation value: 4.079 $/gal on 2026-08-03. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=GASREGW","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=GASREGW","as_of_date":"2026-08-03","dealer_impact":"Direct demand signal for truck/SUV vs compact mix. Up-trend accelerates Corolla/Civic/RAV4 hybrid turn; re-price full-size trucks every 2 weeks on aged stock.","strength_score":85,"created_at":"2026-08-05 08:15:05","updated_at":"2026-08-10 08:15:05"},{"id":55,"category":"macro_live","title":"Federal Funds Rate (FEDFUNDS) — 2026-07-01","summary":"FRED FEDFUNDS — Federal Funds Rate: 3.63 % as of 2026-07-01. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series FEDFUNDS on 2026-08-10 08:15:05 UTC. Observation value: 3.63 % on 2026-07-01. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=FEDFUNDS","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=FEDFUNDS","as_of_date":"2026-07-01","dealer_impact":"Drives tier-1 auto APR ceiling. Rising rate compresses captive incentive budgets; pushes buyers toward longer terms and payment-first structures.","strength_score":85,"created_at":"2026-08-04 08:15:04","updated_at":"2026-08-10 08:15:05"},{"id":56,"category":"macro_live","title":"10-Year Treasury Yield (DGS10) — 2026-07-31","summary":"FRED DGS10 — 10-Year Treasury Yield: 4.75 % as of 2026-07-31. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series DGS10 on 2026-08-04 08:15:04 UTC. Observation value: 4.75 % on 2026-07-31. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","as_of_date":"2026-07-31","dealer_impact":"Benchmark for residual-based lease pricing. Higher 10Y = richer money factor on subvened leases; watch for OEM lease incentive pullbacks.","strength_score":85,"created_at":"2026-08-04 08:15:04","updated_at":"2026-08-04 08:15:04"},{"id":38,"category":"macro_live","title":"10-Year Treasury Yield (DGS10) — 2026-07-30","summary":"FRED DGS10 — 10-Year Treasury Yield: 4.68 % as of 2026-07-30. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series DGS10 on 2026-08-03 08:15:07 UTC. Observation value: 4.68 % on 2026-07-30. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","as_of_date":"2026-07-30","dealer_impact":"Benchmark for residual-based lease pricing. Higher 10Y = richer money factor on subvened leases; watch for OEM lease incentive pullbacks.","strength_score":85,"created_at":"2026-08-01 08:15:05","updated_at":"2026-08-03 08:15:07"},{"id":41,"category":"consumer_sentiment_live","title":"University of Michigan Consumer Sentiment Index (UMCSENT) — 2026-06-01","summary":"FRED UMCSENT — University of Michigan Consumer Sentiment Index: 49.5 index as of 2026-06-01. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series UMCSENT on 2026-08-10 08:15:05 UTC. Observation value: 49.5 index on 2026-06-01. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=UMCSENT","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=UMCSENT","as_of_date":"2026-06-01","dealer_impact":"Walk-in traffic barometer. Readings below 70 = payment-driven selling dominates; lead with monthly payment and term flex, not MSRP/rebates.","strength_score":85,"created_at":"2026-08-01 08:15:05","updated_at":"2026-08-10 08:15:05"},{"id":32,"category":"macro_live","title":"10-Year Treasury Yield (DGS10) — 2026-07-29","summary":"FRED DGS10 — 10-Year Treasury Yield: 4.67 % as of 2026-07-29. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series DGS10 on 2026-07-31 08:15:05 UTC. Observation value: 4.67 % on 2026-07-29. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","as_of_date":"2026-07-29","dealer_impact":"Benchmark for residual-based lease pricing. Higher 10Y = richer money factor on subvened leases; watch for OEM lease incentive pullbacks.","strength_score":85,"created_at":"2026-07-31 08:15:05","updated_at":"2026-07-31 08:15:05"},{"id":26,"category":"macro_live","title":"10-Year Treasury Yield (DGS10) — 2026-07-28","summary":"FRED DGS10 — 10-Year Treasury Yield: 4.61 % as of 2026-07-28. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series DGS10 on 2026-07-30 08:15:05 UTC. Observation value: 4.61 % on 2026-07-28. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","as_of_date":"2026-07-28","dealer_impact":"Benchmark for residual-based lease pricing. Higher 10Y = richer money factor on subvened leases; watch for OEM lease incentive pullbacks.","strength_score":85,"created_at":"2026-07-30 08:15:05","updated_at":"2026-07-30 08:15:05"},{"id":20,"category":"macro_live","title":"10-Year Treasury Yield (DGS10) — 2026-07-27","summary":"FRED DGS10 — 10-Year Treasury Yield: 4.65 % as of 2026-07-27. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series DGS10 on 2026-07-29 08:15:06 UTC. Observation value: 4.65 % on 2026-07-27. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","as_of_date":"2026-07-27","dealer_impact":"Benchmark for residual-based lease pricing. Higher 10Y = richer money factor on subvened leases; watch for OEM lease incentive pullbacks.","strength_score":85,"created_at":"2026-07-29 08:15:06","updated_at":"2026-07-29 08:15:06"},{"id":13,"category":"macro_live","title":"Federal Funds Rate (FEDFUNDS) — 2026-06-01","summary":"FRED FEDFUNDS — Federal Funds Rate: 3.63 % as of 2026-06-01. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series FEDFUNDS on 2026-08-03 08:15:07 UTC. Observation value: 3.63 % on 2026-06-01. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=FEDFUNDS","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=FEDFUNDS","as_of_date":"2026-06-01","dealer_impact":"Drives tier-1 auto APR ceiling. Rising rate compresses captive incentive budgets; pushes buyers toward longer terms and payment-first structures.","strength_score":85,"created_at":"2026-07-28 14:21:04","updated_at":"2026-08-03 08:15:07"},{"id":14,"category":"macro_live","title":"10-Year Treasury Yield (DGS10) — 2026-07-24","summary":"FRED DGS10 — 10-Year Treasury Yield: 4.69 % as of 2026-07-24. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series DGS10 on 2026-07-28 14:21:04 UTC. Observation value: 4.69 % on 2026-07-24. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=DGS10","as_of_date":"2026-07-24","dealer_impact":"Benchmark for residual-based lease pricing. Higher 10Y = richer money factor on subvened leases; watch for OEM lease incentive pullbacks.","strength_score":85,"created_at":"2026-07-28 14:21:04","updated_at":"2026-07-28 14:21:04"},{"id":15,"category":"credit_environment_live","title":"Delinquency Rate on Consumer Loans, All Banks (DRCLACBS) — 2026-01-01","summary":"FRED DRCLACBS — Delinquency Rate on Consumer Loans, All Banks: 2.64 % as of 2026-01-01. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series DRCLACBS on 2026-08-10 08:15:05 UTC. Observation value: 2.64 % on 2026-01-01. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=DRCLACBS","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=DRCLACBS","as_of_date":"2026-01-01","dealer_impact":"Leading indicator for lender advance-rate tightening. Up-trend means Capital One / Santander pull back on sub-580; route deep subprime to Westlake / CAC earlier.","strength_score":85,"created_at":"2026-07-28 14:21:04","updated_at":"2026-08-10 08:15:05"},{"id":16,"category":"fuel_prices_live","title":"US Retail Gasoline Price (Regular, Weekly) (GASREGW) — 2026-07-27","summary":"FRED GASREGW — US Retail Gasoline Price (Regular, Weekly): 4.096 $/gal as of 2026-07-27. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series GASREGW on 2026-08-04 08:15:04 UTC. Observation value: 4.096 $/gal on 2026-07-27. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=GASREGW","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=GASREGW","as_of_date":"2026-07-27","dealer_impact":"Direct demand signal for truck/SUV vs compact mix. Up-trend accelerates Corolla/Civic/RAV4 hybrid turn; re-price full-size trucks every 2 weeks on aged stock.","strength_score":85,"created_at":"2026-07-28 14:21:04","updated_at":"2026-08-04 08:15:04"},{"id":17,"category":"consumer_sentiment_live","title":"University of Michigan Consumer Sentiment Index (UMCSENT) — 2026-05-01","summary":"FRED UMCSENT — University of Michigan Consumer Sentiment Index: 44.8 index as of 2026-05-01. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series UMCSENT on 2026-07-31 08:15:05 UTC. Observation value: 44.8 index on 2026-05-01. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=UMCSENT","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=UMCSENT","as_of_date":"2026-05-01","dealer_impact":"Walk-in traffic barometer. Readings below 70 = payment-driven selling dominates; lead with monthly payment and term flex, not MSRP/rebates.","strength_score":85,"created_at":"2026-07-28 14:21:04","updated_at":"2026-07-31 08:15:05"},{"id":18,"category":"auto_market_live","title":"Total Vehicle Sales (SAAR) (TOTALSA) — 2026-06-01","summary":"FRED TOTALSA — Total Vehicle Sales (SAAR): 17.037 M units, annualized as of 2026-06-01. Live pull from Federal Reserve Economic Data.","details":"Live indicator pulled from FRED series TOTALSA on 2026-08-07 08:15:04 UTC. Observation value: 17.037 M units, annualized on 2026-06-01. Source CSV: https://fred.stlouisfed.org/graph/fredgraph.csv?id=TOTALSA","source":"https://fred.stlouisfed.org/graph/fredgraph.csv?id=TOTALSA","as_of_date":"2026-06-01","dealer_impact":"Industry volume pulse. Softening SAAR = OEM incentive programs ramp next cycle; hold off aggressive stacked deals if program changes are imminent.","strength_score":85,"created_at":"2026-07-28 14:21:04","updated_at":"2026-08-07 08:15:04"},{"id":12,"category":"credit_intelligence","title":"Cadillac Credit Profile — 2026-07","summary":"4 prospects pulled 2026-07. Avg FICO 590. 0% prime (720+), 100% subprime (560-639), 0% deep subprime. Top zips: 62558(1, avg 570), 62568(1, avg 583), 62613(1, avg 569), 62704(1, avg 637)","details":"{\"total_pulls\":4,\"avg_fico\":590,\"tiers\":{\"t720\":0,\"t640\":0,\"t560\":4,\"t480\":0,\"tU480\":0},\"top_zips\":[\"62558(1, avg 570)\",\"62568(1, avg 583)\",\"62613(1, avg 569)\",\"62704(1, avg 637)\"],\"bureau_mix\":{\"tu\":0,\"efx\":0,\"xpn\":4},\"period\":\"2026-07\"}","source":"Google Drive — CREDIT_ACTIVITY_REPORT (4).xlsx","as_of_date":"2026-07-19","dealer_impact":"Credit landscape dictates lender routing and BDC priority. 0% prime + 0% near-prime = 0% bankable at standard rates.","strength_score":85,"created_at":"2026-07-24 05:22:47","updated_at":"2026-07-24 05:22:47"}],"source":"db","count":20}