--- title: "24220 – APN System Friction Index™" url: https://australianproperty.network/apn-codex/series-20000/series-24000/series-24200/series-24220/ date: 2026-08-18 modified: 2026-10-03 lang: en author: "Nicklas Clark" description: "APN Codex Node 2422024200 Series — Risk & ComplianceIn development APN System Friction Index™ No reading yet · joins the APN Risk & Compliance Index™ when a data source exists..." word_count: 322 --- # 24220 – APN System Friction Index™ APN Codex Node 2422024200 Series — Risk & ComplianceIn development ### APN System Friction Index™ No reading yet · joins the APN Risk & Compliance Index™ when a data source exists 1What It Measures The APN System Friction Index™ is designed to read how much administrative and planning-system friction slows residential development and property transactions nationally: approval timelines, process complexity and variation between jurisdictions. Higher readings would mean more friction. It is a planned component of the APN Risk & Compliance Index™ (24200), alongside regulatory enforcement, credit rationing, mortgage distress and household insolvency. The index composes on those four components until this one has a data source, and then recomposes with five at equal weight. 2What It Needs No national, consistent series exists for planning and approval friction. Assessment timeframes are published state by state, in different forms and over different periods, and several collections carry licence conditions. - **State planning performance data.** Development assessment timeframes are published separately by each state; combining them needs a consistent definition of a determination and a common period. - **The Productivity Commission’s housing supply regulation inquiry.** Its final report, due in March 2027, may establish a national measure of approval timeframes. - **How it would read.** Once a source is settled, the component is standardised against its own history like the other four, and the parent index discloses the change of composition in the quarter it occurs. 3Other Components The other components of the APN Risk & Compliance Index™ (24200). [Node 24210 →APN Regulatory Velocity Multiplier™ (APN RVM™)Reads how actively ASIC and APRA are pursuing enforcement action.](https://australianproperty.network/apn-codex/series-20000/series-24000/series-24200/series-24210/) [Node 24230 →APN Credit Rationing Index™Reads how tightly mortgage credit is rationed, through serviceability rules and lenders’ own policies.](https://australianproperty.network/apn-codex/series-20000/series-24000/series-24200/series-24230/) [Node 24240 →APN Housing Credit Risk Index™Reads mortgage distress: non-performing loans and early arrears across authorised deposit-taking institutions.](https://australianproperty.network/apn-codex/series-20000/series-24000/series-24200/series-24240/) [Node 24250 →APN Household Insolvency Pressure Index™Reads household financial failure: new personal insolvencies per 100,000 population.](https://australianproperty.network/apn-codex/series-20000/series-24000/series-24200/series-24250/) [Parent branch →24200 — APN Risk & Compliance Index™](https://australianproperty.network/apn-codex/series-20000/series-24000/series-24200/)