public financial institution

JPMorgan Chase

A public megabank selling checking, credit cards, mortgages, wealth, investment banking, payments, and business banking. Chase is a central mainstream-bank comparison, but its shareholder control, fee/credit asymmetry, fossil-finance exposure, transaction-data power, and systemic scale make it a low-scoring financial institution.

Why this matters: Consumers comparing credit unions and alternative banks need the dominant megabank baseline.

Letter grade F Malignant Medium confidence (AI) Rubric gcd-rubric-v1 Last reviewed May 11, 2026

Final Score -11* F - Malignant

FMALIGNANT-11 pts

* Tentative scaffolding score. Not human-checked or final.

Base Material11

Bonus+0

Cap35Ownership <= 2 and Governance <= 2

After Cap11

Penalties-22

Private Government badge

JPMorgan Chase receives the Private Government badge because it combines large-scale private rule-setting over customers, workers, users, members, or counterparties with OpenLobby-documented lobbying of about $860K on public policy issues.

Evidence: [12]

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Evaluation Overview

F - Malignant

The score turns mainly on Product Integrity, with the largest penalty coming from Policy Capture.

Strengths

Product Integrity3/5
Ownership1/10
Governance1/10

Penalties

Policy Capture-5
High-Carbon Products-5
Surveillance Capture-4
Ecological Harm-3

Evidence state

ConfidenceMedium confidence (AI)
ThoroughnessDeveloped (AI)
Linked claims12
Direct axis claims11
Coverage11/17

Scoring Axes

Axis	Score	Why this score
Ownership ? Control rights: shareholder-dominated at 0, worker cooperative control at 10.	1 / 10	JPMorgan Chase is controlled through conventional corporate and shareholder governance rather than by customers, workers, merchants, or affected communities. JPMorgan Chase is controlled through conventional corporate and shareholder governance rather than by customers, workers, merchants, or affected communities. That keeps JPMorgan Chase low on Ownership: decisive control remains with shareholders, private owners, executives, or state insiders rather than affected people. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence JPMorgan Chase is controlled through conventional corporate and shareholder governance rather than by customers, workers, merchants, or affected communities. [1]
Governance ? Binding decision authority: centralized control at 0, democratic stakeholder control at 10.	1 / 10	JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. That keeps JPMorgan Chase low on Governance: ordinary users, workers, customers, or affected communities cannot change the rules that govern them. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence context JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. [2] context JPMorgan Chase is controlled through conventional corporate and shareholder governance rather than by customers, workers, merchants, or affected communities. [1] context JPMorgan Chase operates in finance or payments markets where fees, switching costs, credit risk, data, and regulatory complexity create power asymmetry with ordinary customers or merchants. [3] context JPMorgan Chase retains conduct relevant to the Accountability Opacity penalty: fees, interest, rewards, data use, merchant pricing, risk scoring, or enforcement history are difficult for ordinary customers or merchants to evaluate clearly. [4] context JPMorgan Chase retains conduct relevant to the Surveillance Capture penalty: financial accounts, cards, payments, merchant data, location, transaction histories, fraud scoring, or app activity create extensive behavioral data power. [5] context JPMorgan Chase retains conduct relevant to the Ideological Disavowal penalty: it presents concentrated financial infrastructure, fees, risk scoring, and market power as neutral financial service rather than contested institutional power. [6] context JPMorgan Chase retains conduct relevant to the Ecological Harm penalty: its financing, payments, data centers, office footprint, or financed-emissions exposure creates material environmental burden. [7] context JPMorgan Chase retains conduct relevant to the Subscription Capture penalty: recurring fees, card annual fees, account relationships, rewards loops, or payment-app habituation create inertia-based capture. [8] context JPMorgan Chase retains conduct relevant to the Toxic Products penalty: credit, debt, fees, high-interest revolving balances, or payment products can become financially toxic when designed around customer inertia or weak bargaining power. [9]
Extraction ? Surplus allocation, wage share, CEO pay ratio, margins, and structured extraction judgment.	1 / 10	JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. That keeps JPMorgan Chase low on Extraction: the business model makes extraction from workers, users, suppliers, customers, or the public central rather than incidental. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence context JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. [2] context JPMorgan Chase is controlled through conventional corporate and shareholder governance rather than by customers, workers, merchants, or affected communities. [1] context JPMorgan Chase operates in finance or payments markets where fees, switching costs, credit risk, data, and regulatory complexity create power asymmetry with ordinary customers or merchants. [3] context JPMorgan Chase retains conduct relevant to the Accountability Opacity penalty: fees, interest, rewards, data use, merchant pricing, risk scoring, or enforcement history are difficult for ordinary customers or merchants to evaluate clearly. [4] context JPMorgan Chase retains conduct relevant to the Surveillance Capture penalty: financial accounts, cards, payments, merchant data, location, transaction histories, fraud scoring, or app activity create extensive behavioral data power. [5] context JPMorgan Chase retains conduct relevant to the Ideological Disavowal penalty: it presents concentrated financial infrastructure, fees, risk scoring, and market power as neutral financial service rather than contested institutional power. [6] context JPMorgan Chase retains conduct relevant to the Ecological Harm penalty: its financing, payments, data centers, office footprint, or financed-emissions exposure creates material environmental burden. [7] context JPMorgan Chase retains conduct relevant to the Subscription Capture penalty: recurring fees, card annual fees, account relationships, rewards loops, or payment-app habituation create inertia-based capture. [8] context JPMorgan Chase retains conduct relevant to the Toxic Products penalty: credit, debt, fees, high-interest revolving balances, or payment products can become financially toxic when designed around customer inertia or weak bargaining power. [9]
Labor Sovereignty ? Worker power: coercive conditions at 0, co-determination or ownership at 7. Employee dissatisfaction matters only when source-backed evidence shows concrete limits on worker agency, such as coercive scheduling, retaliation, wage theft, harassment, unsafe conditions, suppression of worker voice, or extreme turnover.	1 / 7	JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. That keeps JPMorgan Chase low on Labor Sovereignty: labor remains managerially controlled, replaceable, or exposed to coercive employment and contracting conditions. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence context JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. [2] context JPMorgan Chase is controlled through conventional corporate and shareholder governance rather than by customers, workers, merchants, or affected communities. [1] context JPMorgan Chase operates in finance or payments markets where fees, switching costs, credit risk, data, and regulatory complexity create power asymmetry with ordinary customers or merchants. [3] context JPMorgan Chase retains conduct relevant to the Accountability Opacity penalty: fees, interest, rewards, data use, merchant pricing, risk scoring, or enforcement history are difficult for ordinary customers or merchants to evaluate clearly. [4] context JPMorgan Chase retains conduct relevant to the Surveillance Capture penalty: financial accounts, cards, payments, merchant data, location, transaction histories, fraud scoring, or app activity create extensive behavioral data power. [5] context JPMorgan Chase retains conduct relevant to the Ideological Disavowal penalty: it presents concentrated financial infrastructure, fees, risk scoring, and market power as neutral financial service rather than contested institutional power. [6] context JPMorgan Chase retains conduct relevant to the Ecological Harm penalty: its financing, payments, data centers, office footprint, or financed-emissions exposure creates material environmental burden. [7] context JPMorgan Chase retains conduct relevant to the Subscription Capture penalty: recurring fees, card annual fees, account relationships, rewards loops, or payment-app habituation create inertia-based capture. [8] context JPMorgan Chase retains conduct relevant to the Toxic Products penalty: credit, debt, fees, high-interest revolving balances, or payment products can become financially toxic when designed around customer inertia or weak bargaining power. [9]
Solidarity with the Unemployed ? Treatment of exits and nonworkers, including severance, redeployment, and non-competes.	1 / 7	JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. That keeps JPMorgan Chase low on Solidarity with the Unemployed: the model provides little protection for people who leave, are excluded, or cannot bargain from employment. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence context JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. [2] context JPMorgan Chase is controlled through conventional corporate and shareholder governance rather than by customers, workers, merchants, or affected communities. [1] context JPMorgan Chase operates in finance or payments markets where fees, switching costs, credit risk, data, and regulatory complexity create power asymmetry with ordinary customers or merchants. [3] context JPMorgan Chase retains conduct relevant to the Accountability Opacity penalty: fees, interest, rewards, data use, merchant pricing, risk scoring, or enforcement history are difficult for ordinary customers or merchants to evaluate clearly. [4] context JPMorgan Chase retains conduct relevant to the Surveillance Capture penalty: financial accounts, cards, payments, merchant data, location, transaction histories, fraud scoring, or app activity create extensive behavioral data power. [5] context JPMorgan Chase retains conduct relevant to the Ideological Disavowal penalty: it presents concentrated financial infrastructure, fees, risk scoring, and market power as neutral financial service rather than contested institutional power. [6] context JPMorgan Chase retains conduct relevant to the Ecological Harm penalty: its financing, payments, data centers, office footprint, or financed-emissions exposure creates material environmental burden. [7] context JPMorgan Chase retains conduct relevant to the Subscription Capture penalty: recurring fees, card annual fees, account relationships, rewards loops, or payment-app habituation create inertia-based capture. [8] context JPMorgan Chase retains conduct relevant to the Toxic Products penalty: credit, debt, fees, high-interest revolving balances, or payment products can become financially toxic when designed around customer inertia or weak bargaining power. [9]
Loss-Bearing Fidelity ? Willingness to absorb costs to preserve values, workers, users, and public obligations.	1 / 7	JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. That keeps JPMorgan Chase low on Loss-Bearing Fidelity: losses, hazards, or adjustment costs are routinely pushed onto workers, customers, suppliers, communities, or the public. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence context JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. [2] context JPMorgan Chase is controlled through conventional corporate and shareholder governance rather than by customers, workers, merchants, or affected communities. [1] context JPMorgan Chase operates in finance or payments markets where fees, switching costs, credit risk, data, and regulatory complexity create power asymmetry with ordinary customers or merchants. [3] context JPMorgan Chase retains conduct relevant to the Accountability Opacity penalty: fees, interest, rewards, data use, merchant pricing, risk scoring, or enforcement history are difficult for ordinary customers or merchants to evaluate clearly. [4] context JPMorgan Chase retains conduct relevant to the Surveillance Capture penalty: financial accounts, cards, payments, merchant data, location, transaction histories, fraud scoring, or app activity create extensive behavioral data power. [5] context JPMorgan Chase retains conduct relevant to the Ideological Disavowal penalty: it presents concentrated financial infrastructure, fees, risk scoring, and market power as neutral financial service rather than contested institutional power. [6] context JPMorgan Chase retains conduct relevant to the Ecological Harm penalty: its financing, payments, data centers, office footprint, or financed-emissions exposure creates material environmental burden. [7] context JPMorgan Chase retains conduct relevant to the Subscription Capture penalty: recurring fees, card annual fees, account relationships, rewards loops, or payment-app habituation create inertia-based capture. [8] context JPMorgan Chase retains conduct relevant to the Toxic Products penalty: credit, debt, fees, high-interest revolving balances, or payment products can become financially toxic when designed around customer inertia or weak bargaining power. [9]
Market Conduct ? Pricing fairness, switching costs, lock-in, and rent extraction.	1 / 5	JPMorgan Chase operates in finance or payments markets where fees, switching costs, credit risk, data, and regulatory complexity create power asymmetry with ordinary customers or merchants. JPMorgan Chase operates in finance or payments markets where fees, switching costs, credit risk, data, and regulatory complexity create power asymmetry with ordinary customers or merchants. That keeps JPMorgan Chase low on Market Conduct: market power, lock-in, coercive pricing, or exclusionary conduct is a major part of the institution's position. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence JPMorgan Chase operates in finance or payments markets where fees, switching costs, credit risk, data, and regulatory complexity create power asymmetry with ordinary customers or merchants. [3]
Product Integrity ? Preservation of quality rather than degradation for monetization.	3 / 5	JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. That places JPMorgan Chase in the middle of Product Integrity: the product has real use value but is compromised by incentives, monetization, lock-in, quality degradation, or risk. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis. Linked evidence JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. [2]
Scale Integrity ? Whether growth improves or degrades fairness and accountability.	1 / 5	JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. That keeps JPMorgan Chase low on Scale Integrity: scale magnifies harm, gatekeeping, opacity, or extraction rather than disciplining it. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence context JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale. [2] context JPMorgan Chase is controlled through conventional corporate and shareholder governance rather than by customers, workers, merchants, or affected communities. [1] context JPMorgan Chase operates in finance or payments markets where fees, switching costs, credit risk, data, and regulatory complexity create power asymmetry with ordinary customers or merchants. [3] context JPMorgan Chase retains conduct relevant to the Accountability Opacity penalty: fees, interest, rewards, data use, merchant pricing, risk scoring, or enforcement history are difficult for ordinary customers or merchants to evaluate clearly. [4] context JPMorgan Chase retains conduct relevant to the Surveillance Capture penalty: financial accounts, cards, payments, merchant data, location, transaction histories, fraud scoring, or app activity create extensive behavioral data power. [5] context JPMorgan Chase retains conduct relevant to the Ideological Disavowal penalty: it presents concentrated financial infrastructure, fees, risk scoring, and market power as neutral financial service rather than contested institutional power. [6] context JPMorgan Chase retains conduct relevant to the Ecological Harm penalty: its financing, payments, data centers, office footprint, or financed-emissions exposure creates material environmental burden. [7] context JPMorgan Chase retains conduct relevant to the Subscription Capture penalty: recurring fees, card annual fees, account relationships, rewards loops, or payment-app habituation create inertia-based capture. [8] context JPMorgan Chase retains conduct relevant to the Toxic Products penalty: credit, debt, fees, high-interest revolving balances, or payment products can become financially toxic when designed around customer inertia or weak bargaining power. [9]

Penalties

Penalty	Applied	Why this penalty
Ecological Harm ? Footprint, trajectory, irreversibility, culpability, and scale, including whether ecological harm is central to the model and continued after credible notice. Range: -30 to 0.	-3	JPMorgan Chase retains conduct relevant to the Ecological Harm penalty: its financing, payments, data centers, office footprint, or financed-emissions exposure creates material environmental burden. JPMorgan Chase retains conduct relevant to the Ecological Harm penalty: its financing, payments, data centers, office footprint, or financed-emissions exposure creates material environmental burden. That warrants a limited Ecological Harm penalty because the institution causes or defends ecological damage that is more than incidental to the model. The value is limited because the linked record shows a real problem but not one that dominates the profile on this axis. Linked evidence JPMorgan Chase retains conduct relevant to the Ecological Harm penalty: its financing, payments, data centers, office footprint, or financed-emissions exposure creates material environmental burden. [7]
Policy Capture ? Private-interest attempts to bend law, regulation, subsidies, taxes, enforcement, trade, labor, safety, competition, environmental, healthcare, housing, surveillance, civil-liberties, or consumer policy against workers, customers, citizens, affected communities, or ecological life. Public-interest advocacy is not penalized merely because it is lobbying. Range: -15 to 0.	-5	OpenLobby records JPMORGAN CHASE HOLDINGS LLC lobbying on finance and banking with about $860K in spending across 25 filings; the reviewed filings document private institutional lobbying over public rules rather than a public-interest advocacy role. OpenLobby records JPMORGAN CHASE HOLDINGS LLC lobbying on finance and banking with about $860K in spending across 25 filings; the reviewed filings document private institutional lobbying over public rules rather than a public-interest advocacy role. That warrants a limited Policy Capture penalty because private institutional pressure is being applied to public rules while affected people cannot democratically govern that agenda. The value is limited because the linked record shows a real problem but not one that dominates the profile on this axis. Linked evidence OpenLobby records JPMORGAN CHASE HOLDINGS LLC lobbying on finance and banking with about $860K in spending across 25 filings; the reviewed filings document private institutional lobbying over public rules rather than a public-interest advocacy role. [10]
High-Carbon Products ? Core products, services, financing, or supply chains that materially depend on fossil-fuel combustion, high-emissions transport, industrial animal agriculture, meat, dairy, or other unusually carbon-intensive activity. This is scored separately from general ecological harm so ordinary consumers can see carbon-intensive product exposure directly. Range: -10 to 0.	-5	Fossil-fuel finance or fossil-linked lending creates material carbon dependence even when the institution is not itself extracting fuel. Linked evidence JPMorgan Chase has fossil finance exposure high-carbon product exposure based on its listed business model and current profile description: A public megabank selling checking, credit cards, mortgages, wealth, investment banking, payments, and business banking. Chase is a central mainstream-bank comparison, but its shareholder control, fee/credit asymmetry,… [11]
Toxic Products ? Current sale of products whose ordinary use, exposure, ingredients, residues, packaging, or formulation creates toxic, addictive, or consumer-safety risk. Food products receive at least light scrutiny for artificial colors, artificial flavors, petro-derived additives, pesticide residues, contaminants, endocrine-disrupting packaging, and ultra-processed formulation. Ordinary adult nightlife or alcohol service is not penalized by itself without evidence of predatory marketing, youth targeting, addiction-extractive design, or unusual product-safety misconduct. Range: -5 to 0.	-1	JPMorgan Chase retains conduct relevant to the Toxic Products penalty: credit, debt, fees, high-interest revolving balances, or payment products can become financially toxic when designed around customer inertia or weak bargaining power. JPMorgan Chase retains conduct relevant to the Toxic Products penalty: credit, debt, fees, high-interest revolving balances, or payment products can become financially toxic when designed around customer inertia or weak bargaining power. That warrants a limited Toxic Products penalty because ordinary use, exposure, ingredients, residues, packaging, or formulation creates material toxic, addictive, or consumer-safety risk. The value is limited because the linked record shows a real problem but not one that dominates the profile on this axis. Linked evidence JPMorgan Chase retains conduct relevant to the Toxic Products penalty: credit, debt, fees, high-interest revolving balances, or payment products can become financially toxic when designed around customer inertia or weak bargaining power. [9]
Subscription Capture ? Manipulative recurring-payment, automatic-renewal, cancellation-friction, bundling, trial-conversion, or refund designs that profit from inertia or confusion. Range: -5 to 0.	-1	JPMorgan Chase retains conduct relevant to the Subscription Capture penalty: recurring fees, card annual fees, account relationships, rewards loops, or payment-app habituation create inertia-based capture. JPMorgan Chase retains conduct relevant to the Subscription Capture penalty: recurring fees, card annual fees, account relationships, rewards loops, or payment-app habituation create inertia-based capture. That warrants a limited Subscription Capture penalty because recurring-payment design profits from inertia, confusion, bundling, renewal friction, or cancellation difficulty. The value is limited because the linked record shows a real problem but not one that dominates the profile on this axis. Linked evidence JPMorgan Chase retains conduct relevant to the Subscription Capture penalty: recurring fees, card annual fees, account relationships, rewards loops, or payment-app habituation create inertia-based capture. [8]
Accountability Opacity ? Material opacity, reputation laundering, or hidden accountability structures that prevent public accountability. Range: -2 to 0.	-2	JPMorgan Chase retains conduct relevant to the Accountability Opacity penalty: fees, interest, rewards, data use, merchant pricing, risk scoring, or enforcement history are difficult for ordinary customers or merchants to evaluate clearly. JPMorgan Chase retains conduct relevant to the Accountability Opacity penalty: fees, interest, rewards, data use, merchant pricing, risk scoring, or enforcement history are difficult for ordinary customers or merchants to evaluate clearly. That warrants a severe Accountability Opacity penalty because material facts, risks, conflicts, ownership, or accountability information are obscured from the public. The value is near the floor because the conduct appears central, large-scale, repeated, or institutionally powerful rather than incidental. Linked evidence JPMorgan Chase retains conduct relevant to the Accountability Opacity penalty: fees, interest, rewards, data use, merchant pricing, risk scoring, or enforcement history are difficult for ordinary customers or merchants to evaluate clearly. [4]
Surveillance Capture ? Invasive surveillance, unreasonably non-optional tracking, facial recognition, biometric identification, or AI behavior scanning of customers, workers, bystanders, or the public. Range: -5 to 0.	-4	JPMorgan Chase retains conduct relevant to the Surveillance Capture penalty: financial accounts, cards, payments, merchant data, location, transaction histories, fraud scoring, or app activity create extensive behavioral data power. JPMorgan Chase retains conduct relevant to the Surveillance Capture penalty: financial accounts, cards, payments, merchant data, location, transaction histories, fraud scoring, or app activity create extensive behavioral data power. That warrants a severe Surveillance Capture penalty because customers, workers, users, bystanders, or the public are exposed to invasive tracking, biometrics, or behavior scanning. The value is near the floor because the conduct appears central, large-scale, repeated, or institutionally powerful rather than incidental. Linked evidence JPMorgan Chase retains conduct relevant to the Surveillance Capture penalty: financial accounts, cards, payments, merchant data, location, transaction histories, fraud scoring, or app activity create extensive behavioral data power. [5]
Ideological Disavowal ? Concealed ideology presented as neutrality, expertise, professional necessity, public-service administration, market inevitability, or non-ideological common sense while exercising power. Range: -3 to 0.	-1	JPMorgan Chase retains conduct relevant to the Ideological Disavowal penalty: it presents concentrated financial infrastructure, fees, risk scoring, and market power as neutral financial service rather than contested institutional power. JPMorgan Chase retains conduct relevant to the Ideological Disavowal penalty: it presents concentrated financial infrastructure, fees, risk scoring, and market power as neutral financial service rather than contested institutional power. That warrants a limited Ideological Disavowal penalty because the institution presents situated, contested choices as neutrality, expertise, inevitability, safety, or common sense. The value is limited because the linked record shows a real problem but not one that dominates the profile on this axis. Linked evidence JPMorgan Chase retains conduct relevant to the Ideological Disavowal penalty: it presents concentrated financial infrastructure, fees, risk scoring, and market power as neutral financial service rather than contested institutional power. [6]

Bonus Credits

No bonus credits applied in this version.

Confidence Basis

Confidence is computed from the evidence trail and review state, not typed into the profile by hand.

Medium 75/100

11 verified linked claims 11 direct axis claims 0 disputed claims 11/17 components covered

This confidence label measures the source-backed evidence trail. AI-scaffolded scores remain tentative until human review.

Claim confidence 14/20

11 verified linked claims

Source quality 16/18

Best source per verified claim, weighted by institutional reliability

Direct axis-specific claims 9/18

11 direct claims across 17 active components

Dispute load 12/12

0 disputed claims on this entity

Recency 10/10

Newest accepted timestamp: May 13, 2026

Reviewer status 7/12

Human-reviewed components score higher than AI scaffolding

Component coverage 6/10

11/17 evidence-bearing components have direct support

Evidence State

Profile stateAI draft / human-pending

VerificationUnverified

ConfidenceMedium confidence (AI)

ThoroughnessDeveloped (AI)

Correction routeUse “Challenge this rating” for factual errors, missing counterevidence, source problems, or calculation mistakes.

Company responseCompany representatives can submit source-backed corrections; payment never changes scores or reviewer authority.

Claims and Sources

Claims are the evidence record. Each claim needs a source link, axis category, status, confidence level, and timestamp before it can support a score.

* Tentative scaffolding score. Not human-checked or final.

1JPMorgan Chase is controlled through conventional corporate and shareholder governance rather than by customers, workers, merchants, or affected communities.

Ownership Verified High confidence AI-generated / human-pending May 11, 2026

AI scaffold

JPMorgan Chase 2025 annual reportPrimary institutional record · 90%
JPMorgan Chase privacy policyOfficial self-description · 68%

2JPMorgan Chase provides banking, credit, payments, cards, financial infrastructure, or related consumer financial services at large scale.

Product Integrity Verified High confidence AI-generated / human-pending May 11, 2026

AI scaffold

JPMorgan Chase 2025 annual reportPrimary institutional record · 90%
JPMorgan Chase privacy policyOfficial self-description · 68%

3JPMorgan Chase operates in finance or payments markets where fees, switching costs, credit risk, data, and regulatory complexity create power asymmetry with ordinary customers or merchants.

Market Conduct Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

JPMorgan Chase 2025 annual reportPrimary institutional record · 90%
JPMorgan Chase privacy policyOfficial self-description · 68%

4JPMorgan Chase retains conduct relevant to the Accountability Opacity penalty: fees, interest, rewards, data use, merchant pricing, risk scoring, or enforcement history are difficult for ordinary customers or merchants to evaluate clearly.

Accountability Opacity Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

JPMorgan Chase 2025 annual reportPrimary institutional record · 90%
JPMorgan Chase privacy policyOfficial self-description · 68%

5JPMorgan Chase retains conduct relevant to the Surveillance Capture penalty: financial accounts, cards, payments, merchant data, location, transaction histories, fraud scoring, or app activity create extensive behavioral data power.

Surveillance Capture Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

JPMorgan Chase 2025 annual reportPrimary institutional record · 90%
JPMorgan Chase privacy policyOfficial self-description · 68%

6JPMorgan Chase retains conduct relevant to the Ideological Disavowal penalty: it presents concentrated financial infrastructure, fees, risk scoring, and market power as neutral financial service rather than contested institutional power.

Ideological Disavowal Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

JPMorgan Chase 2025 annual reportPrimary institutional record · 90%
JPMorgan Chase privacy policyOfficial self-description · 68%

7JPMorgan Chase retains conduct relevant to the Ecological Harm penalty: its financing, payments, data centers, office footprint, or financed-emissions exposure creates material environmental burden.

Ecological Harm Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

JPMorgan Chase 2025 annual reportPrimary institutional record · 90%
JPMorgan Chase privacy policyOfficial self-description · 68%

8JPMorgan Chase retains conduct relevant to the Subscription Capture penalty: recurring fees, card annual fees, account relationships, rewards loops, or payment-app habituation create inertia-based capture.

Subscription Capture Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

JPMorgan Chase 2025 annual reportPrimary institutional record · 90%
JPMorgan Chase privacy policyOfficial self-description · 68%

9JPMorgan Chase retains conduct relevant to the Toxic Products penalty: credit, debt, fees, high-interest revolving balances, or payment products can become financially toxic when designed around customer inertia or weak bargaining power.

Toxic Products Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

JPMorgan Chase 2025 annual reportPrimary institutional record · 90%
JPMorgan Chase privacy policyOfficial self-description · 68%

10OpenLobby records JPMORGAN CHASE HOLDINGS LLC lobbying on finance and banking with about $860K in spending across 25 filings; the reviewed filings document private institutional lobbying over public rules rather than a public-interest advocacy role.

Policy Capture Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

OpenLobby — JPMORGAN CHASE HOLDINGS LLC lobbying profileGeneral web source · 58%

11JPMorgan Chase has fossil finance exposure high-carbon product exposure based on its listed business model and current profile description: A public megabank selling checking, credit cards, mortgages, wealth, investment banking, payments, and business banking. Chase is a central mainstream-bank comparison, but its shareholder control, fee/credit asymmetry,…

High Carbon Products Verified Medium confidence Human-reviewed May 11, 2026

JPMorgan Chase public siteGeneral web source · 58%
EIA: Gasoline and the environmentPrimary public record · 100%

12JPMorgan Chase receives the Private Government badge because it combines large-scale private rule-setting over customers, workers, users, members, or counterparties with OpenLobby-documented lobbying of about $860K on public policy issues.

Private Government Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

OpenLobby — JPMORGAN CHASE HOLDINGS LLC lobbying profileGeneral web source · 58%

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