🏦 Fed Z.1 Financial Accounts API — Flow of Funds Data

Get the Federal Reserve's Z.1 Financial Accounts of the United States (the "flow of funds") as clean records — household and nonprofit net worth, debt, mortgages, corporate equities, deposits and every other asset and liability, by sector and instrument, quarterly and annual, from 1945 — straight from the Board's official release package.

Economists, analysts, researchers and finance teams use Z.1 to track household balance sheets, credit and sector exposures. The Board publishes 41,716 series as one 620 MB XML file: this actor reads only what you ask for and delivers one record per value, with sector, instrument and measure spelled out — no XML, no API key.

The unit of output is one observation (one series, one date). You pay per observation delivered; a run that finds nothing costs nothing.

📊 Sample Output

series_name	date	value	sector	instrument
FL152090005.Q	2026-06-30	195870496	Households and nonprofit organizations (S14+S15)	Net worth
FL152090005.Q	2026-03-31	183067096	Households and nonprofit organizations (S14+S15)	Net worth
FL152090005.Q	2025-12-31	182274207	Households and nonprofit organizations (S14+S15)	Net worth
FL152090005.Q	2025-09-30	180509163	Households and nonprofit organizations (S14+S15)	Net worth
FL152090005.Q	2025-06-30	175246515	Households and nonprofit organizations (S14+S15)	Net worth

Rows from live run HPmQeu2l12mH3Hp99 on Apify (input: description "households "net worth"", prefix FL, 40 records). Notice the newest quarter first, and the sector and instrument named on every row (values in millions of dollars).

✅ What you get

Every field of each record:

• record_id — unique per observation: release, series code and date.
• release_code — Z.1.
• series_name — the Board's series code, e.g. FL152090005.Q.
• series_description, series_long_description — the Board's short and long descriptions.
• series_prefix_code, series_prefix — measure prefix and its meaning, e.g. FL = Level, not seasonally adjusted.
• sector_code, sector — Z.1 sector, e.g. 15 = Households and nonprofit organizations.
• instrument_code, instrument — Z.1 instrument, e.g. 20900 = Net worth.
• series_type_code, series_type — computed or input series, as the Board classifies it.
• frequency — Quarterly or Annual (from the Board's code list).
• unit, unit_multiplier, currency — unit and multiplier from the Board's code lists (e.g. Currency, Millions), and the currency where one applies.
• date — period end date as published (e.g. 2026-06-30 for the second quarter).
• value — the observation as a number.
• observation_status, observation_status_label — A normal; NC/ND not calculable / no data (delivered only with includeNoData).
• release, release_prepared — release name and when the Board prepared the package.
• source, source_dataset, licence, attribution, observed_at — provenance on every record: the Board and the release, the package file and its last-modified time, the Board's public-domain notice quoted, the citation the Board asks for, and the UTC read time.

⚙️ Sample inputs

1. Store example — household net worth

{
  "seriesNames": ["FL152090005.Q"],
  "maxRecords": 10
}

The 10 newest quarters of households and nonprofit organizations' net worth; about $0.50 on the Free plan.

2. Narrowed — household balance sheet levels since 2020

{
  "sectorCodes": ["15"],
  "prefixCodes": ["FL"],
  "frequencies": ["quarterly"],
  "dateFrom": "2020",
  "maxRecords": 2000
}

Every quarterly level series for households and nonprofits from 2020.

3. Bulk — latest value of every net-worth series

{
  "instrumentCodes": ["20900"],
  "latestOnly": true,
  "maxRecords": 500
}

One record per series with instrument 20900 (net worth), across sectors and measures: its newest value.

Input fields:

Field	Meaning
seriesNames	exact Board series codes, e.g. FL152090005.Q
seriesNameStartsWith	series codes starting with any of these, e.g. FL15
descriptionContains	every word of an entry in the series description, any order; quote a phrase to keep it together
sectorCodes	two-digit sector codes, e.g. 15, 10, 31, 70
instrumentCodes	five-digit instrument codes, e.g. 20900, 41900
prefixCodes	measure prefixes: FL, FA, FU, FR, LM and others
frequencies	quarterly, annual
dateFrom / dateTo	date window (a date or a year)
latestOnly	one record per series: its newest value in the window
includeNoData	also deliver values marked no data
order	newest_first (default) or oldest_first within each series
maxRecords	most observations delivered and billed (default 1,000)

🧾 JSON sample record

{
  "record_id": "Z1:FL152090005.Q:2026-06-30",
  "release_code": "Z.1",
  "series_name": "FL152090005.Q",
  "series_description": "Households and nonprofit organizations; net worth",
  "series_long_description": "Households and nonprofit organizations; net worth",
  "series_prefix_code": "FL",
  "series_prefix": "Level, not seasonally adjusted (NSA)",
  "sector_code": "15",
  "sector": "Households and nonprofit organizations (S14+S15)",
  "instrument_code": "20900",
  "instrument": "Net worth",
  "series_type_code": "5",
  "series_type": "Computed series",
  "frequency": "Quarterly",
  "unit": "Currency",
  "unit_multiplier": "Millions",
  "currency": "USD",
  "date": "2026-06-30",
  "value": 195870496,
  "observation_status": "A",
  "observation_status_label": "Normal",
  "release": "Z.1 Statistical Release",
  "release_prepared": "2026-09-11T09:06:17",
  "source": "Board of Governors of the Federal Reserve System — Z.1 Financial Accounts of the United States (statistical release XML package)",
  "source_dataset": "FRB_Z1_xml.zip (Z1_data.xml), Last-Modified Tue, 22 Sep 2026 23:54:57 GMT",
  "licence": "Public domain. Federal Reserve Board: \"Unless otherwise indicated, information on Board's website is in the public domain and may be copied and distributed without permission. Please cite to the Board as the source of the information.\" (federalreserve.gov/disclaimer.htm)",
  "attribution": "Source: Board of Governors of the Federal Reserve System (US), Z.1 Financial Accounts of the United States",
  "observed_at": "2026-10-04T05:12:34Z"
}

🔧 How it works

1. Robots check. www.federalreserve.gov/robots.txt is requested on every run. It answers with an HTML "page not found" (HTTP 404): no robots policy is published (FLAGGED). The actor records that and relies on the Board's public-domain notice; a real robots.txt that disallowed the package would stop the run with nothing charged.

2. Table of contents first. The release package FRB_Z1_xml.zip is a static ZIP on the Board's Z.1 release page. The actor reads its table of contents and code lists by byte range, then streams and decompresses the data file as it arrives.

3. Filter while reading. Each series is checked against your filters as soon as it starts; only matching series keep their observations.

4. Deliver, then charge. Matching observations (newest first by default) are pushed in batches, each charged after delivery, so records and charges always match. Reading stops at maxRecords or your maximum charge.

5. Receipt. RUN_RECEIPT records the robots result, the package and its date, bytes read, series matched, and delivered and charged counts.

No login, API key, proxy or bot workaround — one public Board file, and no personal data in it.

💰 Pricing example

Per observation delivered, no start fee, no monthly charge:

Apify plan	Price per observation
Free	$0.05
Bronze	$0.045
Silver	$0.04
Gold, Platinum, Diamond	$0.0335

• 10 observations (the Store example): $0.50 on the Free plan, $0.335 on Gold.
• 1,000 observations (the default cap): $50 on Free, $45 on Bronze, $40 on Silver, $33.50 on Gold.

Coverage and size. Live count from the package read on 3–4 October 2026 (FRB_Z1_xml.zip, 37.6 MB compressed, Last-Modified 22 September 2026; release of 11 September 2026, 2026:Q2 data): 7,783,339 observations in 41,716 series (20,588 quarterly, 21,128 annual), from 1945-12-31 to 2026-06-30. The planning index counted 7,783,339 observations across 41,716 series — they agree. A filter is required; a run that must read the whole 620 MB data file (an id that does not exist, say) took 133 seconds on Apify in our test, and a full pull is 7,783,339 records, billed per observation. The Board's next Z.1 release is scheduled for 10 December 2026.

⚖️ Legal & ToS

Data: Board of Governors of the Federal Reserve System, Z.1 Financial Accounts of the United States, from the XML package on the Board's statistical release page. The Board's notice says: "Unless otherwise indicated, information on Board's website is in the public domain and may be copied and distributed without permission. Please cite to the Board as the source of the information." Every record carries that notice in licence and a citation in attribution.

Robots FLAG: www.federalreserve.gov/robots.txt returns a 404 page — no robots policy is published. That is recorded on every run and not treated as permission by itself; the public-domain notice governs reuse. One public file, declared User-Agent, no login, key, proxy or form. Aggregate statistics only — no personal data.

Data Download Program retirement: the Board is retiring its Data Download Program ("Build Your Package" goes the week of November 9, 2026; the program later). Its notice (16 July 2026) says historical data "will remain available for download as XML files on statistical release pages" — that release-page XML file is exactly what this actor reads, not the Data Download Program. If the Board ever moves or withdraws it, runs end with a source-unavailable message and nothing is charged.

Not affiliated with or endorsed by the Federal Reserve; figures are the Board's as published.

❓ FAQ

Do I need a FRED key or an account? No. The actor reads the Board's public release file, which needs no key, login or registration.

Why must I give a filter? The full release is 7,783,339 observations. A filter keeps runs fast and bills only what you asked for; an unfiltered run is refused with a clear message.

How fresh is the data? As fresh as the Board's Z.1 package: every record carries the package's prepared time and last-modified date.

What happens when the Data Download Program retires? Nothing for this actor: it already reads the release-page XML file the Board says will remain available.

What do FL, FA, FU and FR mean? Z.1 measure prefixes: FL level (not seasonally adjusted), FA transactions at a seasonally adjusted annual rate, FU transactions not seasonally adjusted, FR revaluations, LM level at market value. The series_prefix field spells each out.

🆘 Troubleshooting

• 0 records — check the code on the Board's Z.1 pages; sector codes are two digits and instrument codes five.
• Too many series — add prefixCodes (e.g. FL) or frequencies.
• Stopped at maxRecords — raise maxRecords or use latestOnly.
• SOURCE UNAVAILABLE message — the server did not answer after three tries; nothing was charged — run again later.
• CAPPED message — your maximum total charge was reached; raise it in the run options.

🔗 Related Actors

• US Treasury Fiscal Records — Rates & Debt — US Treasury rates and debt to set beside sector balance sheets.
• US Credit Union Financial Records — NCUA — credit union call-report financials.
• Fund & ETF Holdings API — SEC Form N-PORT Portfolio Records — fund and ETF holdings behind the mutual-fund sector.
• ECB Bank Lending & Deposit Rate Records — Euro Area MIR — euro-area bank rates for comparison.

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