Public competition desk

U.S. competition observatory

A one-page view of concentration across markets, where the evidence is missing, and which firms are connected. Use the underlying sources to investigate questions, not to infer a legal violation from a score.

1 markets45 sources1 HHI gaps

Observatory indexChoose the evidence universe

4 public domains

Research desk

See who holds markets and where

Read firm-share structure beside state conditions, sector signals, and auditable market rows.

1in view1filters4sources

Refine market sliceSector, geography, concentration, vintage, status, and confidence1 active1 in view

Cross-system state atlas

Two markets, one geography, no composite score.

Compare individual-insurance concentration with a reproducible statewide FDIC branch-deposit screen, then inspect the exact state record behind either layer.

Systems: 2
States: 51
Rows: 102
Sources: 2

Paired relationship plane

Insurance HHI x statewide bank-deposit HHI

Selected jurisdictionDelawareDEPaired readingsInsurance 5,925Banking 4,967Evidence handoffSouthInspector active

MidwestNortheastSouthWestPearson r 0.247 / descriptive only

5Both above31Insurance only0Banking only15Both below

Threshold cohort / 5 jurisdictions

Both systems above 2,500

Threshold-defined cohort in alphabetical order; both exact readings remain separate and are not combined.

Selected jurisdiction / South

Delaware

DE / two bounded systems

FDIC / 2025

Bank-deposit HHI

4,967#1 / 51

Highly concentrated statewide deposit screen.

Leading holder: 67.8%
Deposits: $538.5B
Organizations: 30
Branches: 217

Largest reported holder: Capital One Financial Corporation

KFF / 2024

Individual-insurance HHI

5,925#4 / 51

Leader 75% / 3 insurers above 5%.

Open state evidence profile

FDIC dossier KFF dossier

FDIC source KFF source

Sector priority board

Where concentration becomes policy work

Sectors are ranked by public HHI signals, data completeness, and the next public-interest action needed to keep markets fair.

Sectors

Profiles

Review

Gaps

Real estate

1 market profile

Evidence build

Pending

Avg HHI

High

Gaps

HHI intensityN/A

Profile coverage1

Public action

Publish reusable firm-level data

Missing public data should be converted into disclosure asks.

Focus this sector

Markets at a glance

Only sourced metrics are shown in ranking views.

Each row is a public evidence packet: exact metrics, source status, data freshness, action cue, and a machine-readable route. No composite score is used; signal basis lists the published metric flags behind each cue.

ranked rows

high concern

data gaps

source-backed

Rank	Market	HHI	CR4	Top firm	Class	Signal basis	Evidence	Action
1	U.S. rental housing access Real estate · United States / local housing markets 4 sources	Withheld	N/A	N/A	Not calculated	HHI withheld Data incomplete	Incomplete Harvard Joint Center for Housing Studies Reviewed Jun 21, 2026 Open rows	Disclose data Request firm-level shares and reusable public tables.

Rank

Market

HHI

CR4

Top firm

Class

Signal basis

Evidence

Action

U.S. rental housing access

Real estate · United States / local housing markets

4 sources

Withheld

N/A

Not calculated

HHI withheld
Data incomplete

Incomplete

Harvard Joint Center for Housing Studies

Reviewed Jun 21, 2026

Open rows

Disclose data

Request firm-level shares and reusable public tables.

#1 · Real estate

U.S. rental housing access

United States / local housing markets

HHI

Withheld

CR4

N/A

Top firm

N/A

Signal basis

HHI withheld
Data incomplete

Not calculatedIncomplete dataDisclose data

Harvard Joint Center for Housing Studies

4 sources · reviewed Jun 21, 2026

Request firm-level shares and reusable public tables.

Profile

Reuse evidenceCite · API · files

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