Antitrust Radar
Policy AgendaAR-PA-022 / reviewed Aug 13, 2026 JSON

Near-term / Oversight & investigation

Investigate outliers before assigning cause

Treat large HHI movements as review flags, then identify whether mergers, entry, exit, ownership reporting, deposit migration, or branch-booking changes explain the observed path.
Source records1report custody
Linked markets0analytical context
Research themes2publication taxonomy
Evidence needs5future verification inputs
Recommendation evidence chain

The source boundary stays visible from analysis to proposed action.

02Evidence custody1 sources / 0 marketsLinked context, not independent endorsement
03Normative recommendationAR-PA-022Oversight & investigation
04Implementation evidenceNot assessedNo adoption or impact inference
This agenda registers normative recommendations published by Antitrust Radar. A recommendation's presence, priority, source links, or evidence needs do not show government consideration, adoption, funding, implementation, enforcement use, effectiveness, or impact. Report sources support the underlying analysis and do not independently endorse the recommendation.
Source report position

State Banking Structure, 2015-2025

Public banking oversight should use annual statewide branch-deposit screens to locate structural change, then test those signals with local market, ownership, product, pricing, entry, and access evidence before drawing enforcement conclusions.
Intended audience
FDIC, Federal Reserve, OCC, DOJ, state attorneys general, and state banking agencies
Policy priority
Near-term
Instrument
Oversight & investigation
Publication
AR-RB-2026-03 / version 1.0
Canonical citation
Antitrust Radar Research Team. (2026, July 20). State Banking Structure, 2015-2025: Stable national concentration can coexist with large state-level shifts. Competition Research Briefs, AR-RB-2026-03 (Version 1.0). Antitrust Radar. https://antitrustradar.org/reports/state-banking-structure-2015-2025
Evidence still needed

Inputs required to investigate the recommendation and its effects.

  1. 01Annual branch-to-holding-company ownership crosswalks
  2. 02Merger, entry, exit, and reporting-change event records
  3. 03Local product-level deposit and lending shares
  4. 04Prices, fees, service quality, switching, and branch-access outcomes
  5. 05Inflation-adjusted and deposit-category context
These are research requirements, not evidence that an agency has opened, adopted, or completed the work.
Related policy architecture