Let \({\mathbf {\mathcal {A}}}\) be a unital infinite dimensional semisimple Banach algebra and \({\mathbf {\Phi ({\mathcal {A}})}}\) be the set of Fredholm elements in \( {\mathbf {\mathcal {A}}} \) . An element \(a \in \mathcal {A}\) is called \( {\mathbf {\Phi }}({\mathbf {\mathcal {A}}}) \) -consistent provided that \(ab\in \Phi (\mathcal {A})\) if and only if \(ba\in \Phi (\mathcal {A})\) for every \(b\in \mathcal {A}\) . We first characterize the \(\Phi (\mathcal {A})\) -consistent elements and show that the set of such elements forms an upper semiregularity. Building on this, we introduce the consistent Fredholm spectrum, establish its spectral mapping theorem, and obtain a characterization for algebraic elements in \(\mathcal {A}\) . As an application, we characterize the stability of \(\Phi (\mathcal {A})\) -consistent elements in terms of nullity and defect in primitive \(c^*\) - algebras.