Starting with the 2013: Q3 Financial Obligations Ratio (FOR) and Debt Service Ratio (DSR) publication, to be released December 2013, we will publish two subcomponents of the DSR and cease publication of the four existing subcomponents of the FOR. The first new statistic is the Mortgage DSR, defined as the total quarterly required mortgage payments divided by total quarterly disposable personal income. The second new statistic is the Consumer DSR, defined as the total quarterly required consumer debt payments divided by total quarterly disposable personal income. The DSR is the sum of the Mortgage DSR and the Consumer DSR. Most users should find the new DSR components more useful analytically than the former FOR components. The FOR components are being eliminated because of challenges inherent in measuring them accurately. Publication of the total FOR will continue.
