US financial/tech/defense regulator jurisdiction map — the oversight backbone (and the fragmentation that enables arbitrage)

The recurring agencies across this corpus were each wired only via one-off enforcement edges. This overlay adds the structural "who regulates what" backbone — and makes a point beyond completeness: the fragmentation itself (overlapping, ambiguous jurisdiction) is the arbitrage surface actors exploit.

The map (statutory jurisdiction = fact; capture/arbitrage = labeled interpretation)

• Banking (deliberately fragmented): Federal Reserve (holding-company supervision, monetary policy), OCC (national-bank charter), FDIC (deposit insurance), CFPB (consumer protection), NCUA (credit unions). Five overlapping chartering/insurance regimes = a regulatory-arbitrage surface.
• Accounting standards — the quiet lever: FASB sets GAAP, including the HTM-at-amortized-cost rule (banks carry underwater bonds at cost — the self-marked bank-asset defect) and useful-life/depreciation (the knob behind the AI-capex depreciation trap).
• Housing: FHFA is conservator of Fannie Mae/Freddie Mac (Director Pulte drove the Fannie x Palantir tie-up).
• Retirement: DOL sets ERISA fiduciary rules — the gate a 2025 EO pried open to push private credit/alts into 401(k)s (the retailization risk).
• Crypto/markets (the SEC-vs-CFTC ambiguity): SEC (securities), CFTC (commodities), FinCEN (BSA/AML), OFAC (sanctions), Treasury (GENIUS-Act stablecoins + FSOC/OFR systemic watch). The Binance $4.3B (2023) resolution spanned DOJ/FinCEN/OFAC/CFTC at once.
• Tech/competition: FTC (antitrust + connected-car privacy).
• Compute export control: Commerce/BIS (chip export licenses, entity list, FDP rule) — the US half of the two-sided chip-chokepoint war.
• Homeland/defense: DHS (parent of ICE → Palantir ImmigrationOS/data brokers); Department of War (renamed from DoD, 2025; ~$1T/yr; buyer of the primes, Palantir Maven, Anduril — and, via the IDScan breach, whose Secretary's ID was among 153M exposed).

Not exhaustive

This wires the recurring financial/tech/defense regulators. Others touch the corpus and can be added as their blocks are interconnected — FCC (telecom), EPA, FAA (Boeing), HHS/CDC, GAO/OMB (oversight/budget), PCAOB (audit), State/GEC.

Sources: agency enabling statutes + enforcement records already cited across the corpus (see the matching .json).

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