What we cover

• Core Oligopoly Tracker — FIS, Fiserv, Jack Henry contracts, earnings calls, and the strategic de-prioritization of sub-$10B community banks.
• PBM Tracker — state-by-state PBM legislation, strike-all amendments, and the legislators with industry day jobs.
• Opioid Settlement Tracker — state allocation, distribution timelines, and where the dollars actually land.
• AI in Government Tracker — federal and state contracts, vendor selection, conflicts of interest in modernization budgets.
• CFPB / OCC / FDIC enforcement — consent orders, civil money penalties, and the patterns regulators don’t want highlighted.

Trackers are built from public sources only. No proprietary feeds, no paywalled data. Citations link to the original record.