{ "feature": "insolvency_la", "metadata": { "id": "insolvency_la", "label": "Personal insolvency rate \u00b7 authority context", "phase": "E7", "family": "Financial context", "unit": "events/10,000 adults/year", "definition": "Published annual (bankruptcies + DROs + IVAs) per 10,000 adults, inherited from source reporting area", "denominatorDefinition": "Publisher mid-2024 adults aged 18+. Exact counts not supplied; use published source rate without reconstructing a denominator.", "numerator": [], "denominator": [], "source": "Insolvency Service 2025 location workbook", "sourceUrl": "https://www.gov.uk/government/statistics/individual-insolvencies-by-location-age-and-gender-england-and-wales-2025", "observationPeriod": "2025 events; mid-2024 adult denominator", "note": "Published 2025 rate inherited from 316 lower-tier reporting areas, with no within-area variation. Provisional because the publisher used mid-2024 adults. City of London is combined with Westminster; Isles of Scilly with Cornwall. National LSOA-weighted ties remain together; authority-weighted sensitivity is supplied.", "status": "provisional", "readiness": "provisional inherited authority context", "measurementType": "Inherited local-authority context", "role": "candidate", "zeroBand": false, "overlapGroup": "Financial context", "sourceVersion": "ew-v3", "direction": "Higher band = higher feature value; no tested collision-risk direction", "sourceGeography": "Official LAD2025 reporting area inherited to LSOA2021", "geographicResolution": "Local-authority reporting area inherited to LSOA2021", "applicability": "Every one of the 35,672 master LSOAs retained. 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Nationwide exposure dependence still requires audit.", "exposureSensitivityRequired": true, "licence": "Open Government Licence v3.0; source-specific attribution in audits.", "sourceStatus": "Frozen source-derived aggregate", "releasedAt": "2026-03-27", "extractedAt": "2026-10-12", "revision": "Pinned source edition; retrieved 2026-10-12, see source audit", "sourceChecksums": [ { "file": "inputs/insolvency-acquisition.json", "sha256": "509885076cb9fe8c41ef20f9c6fb133ca2d07d7719a13966aa7ded57bab7dded" }, { "file": "inputs/insolvency-authority-sensitivity.csv.gz", "sha256": "002fcbfd851d8819eebcb39e3371a5fab7f8bc6a5c33166b97aca21485cacce4" }, { "file": "inputs/insolvency-authority-year.csv.gz", "sha256": "6791eeafba4b295c0b2bc3d5ac897cf8918b09a7f2d114ae973a316c5c8a2c9e" }, { "file": "inputs/insolvency-location-2025.xlsx", "sha256": "f70fa64e30e94b5e8687812497a65c3c888e2f6b61ba9d0bdabf19467c186b39" }, { "file": "inputs/insolvency-lookup-metadata.json", "sha256": 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