White Paper · Issue 1 · Supervisory text through 2026Q1 · latest full year 2025
The Supervisory Landscape
What the OCC, Federal Reserve, and FDIC are focused on right now — and how it compares to 35 years of supervisory attention.
Built from the BRDA topic-attention panel (agency letters, risk perspectives, FSRs, FILs) and quarterly enforcement / licensing / coordination panels.
Where today sits in decades of attention
Each line is a domain's share of one agency's supervisory text, by year. The headline shifts are multi-year or multi-decade highs — hover any line.
The long view — 1863–2025
Three core domains' share of supervisory attention across the whole record. The series splices the modern multi-corpus signal (1989–present) onto the long-run annual-report index before it — a single arc spanning the National Bank Act era, the Depression, deregulation, and 2008. The dashed line marks the 1989 source switch; credit's 2008 spike and compliance's long climb are both visible.
By agency — the 2025 lens
Top domains by share of supervisory attention in 2025, where each ranks in its own history, and what moved most versus the prior three years.
OCC
Fed
FDIC
What the examination handbooks codify
Agency reports are cyclical — they track what supervisors are talking about now. The examination handbooks are the durable layer: what examiners are permanently instructed to assess. Because handbooks are versioned and dense, they cover recent years where annual reports thin out. Share of each agency's latest captured handbook text, by domain (capture year noted; coverage varies by agency).
OCC handbooks · 2026
Fed handbooks · 2020
FDIC handbooks · 2015
Codified emphasis over time
Each agency's leading handbook domain, by capture year — the slow-moving, durable priorities.
Reports vs. handbooks: the cyclical and the codified
For each domain, share of attention in the agencies' current reports (cyclical — what they are talking about now) against their examination handbooks (durable — what examiners are permanently instructed to check). Where the red bar runs longer, attention is cyclically elevated; where the navy bar runs longer, the priority is structurally codified.
Compare & contrast: the agencies have specialized
The domains where the three agencies diverge most in 2025. Each agency's headline topic is near-absent from the others — supervisory attention is differentiating, not converging.
The quarterly pulse
Enforcement, chartering, and cross-agency coordination through 2026Q1.
Enforcement actions per quarter
Most coordinated domains
Domains drawing aligned attention across agencies (recent quarters).