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Every page and endpoint on MDRM IQ, organized by section. Bracketed segments are route parameters.

Public

No account required
HomepageSearch any FDIC-insured institution
Institution pagePermanent public URL for every insured institution — this week's brief, key metrics, peer position, enforcement digest, regulatory calendar
Free institution viewThe public analytical view: most recent filed quarter across all eight domains, with everything withheld shown as withheld
News FeedRegulatory news from the Federal Reserve, FDIC, OCC, CFPB, FinCEN and NCUA, plus industry sourcesEnforcement TrackerPublic search over the enforcement register — OCC and Federal Reserve published actions, with its coverage limits stated on the pageInteractive DemoWalk through the platform with real bank dataPlansFree, Institutional, Enterprise — contact us for pricingContactSales, support, and partnership inquiriesPrivacy PolicyHow we handle your dataTerms of ServiceUsage terms and conditions

In-product guide

Signed-in reference
GuideThe in-product guide — indexGetting startedSign in, find your institution in the rail, read the eight domains, run the audit engine, and confirm your first obligation.DashboardYour own bank's home: who you are and how to update the figures, the next steps waiting on you, and one merged position summary you can print. Plus the Work ledger those next steps come from.InstitutionThe eight analytical domains, the five-state vocabulary, the inspector, the period control, the readiness fold-in on your own bank, and the public profile of the same institution.Find & Compare BanksDraw a market on the map and read who is in it — then carry that same set of banks into a comparison table, a screen, or a pro forma combination, without losing the map.ComparisonThe active group as a table: members down the side, measures across the top, your institution held in place.ScreenerFind institutions by criteria, screen on what a group does NOT have, and turn a saved screen into a live group.Area Deposit MapDeposit volume by county from the FDIC Summary of Deposits, shaded by quantile of the counties in view. Zoom into a market for its ranked competitors, its concentration and the coverage behind both — with the branch-of-record caveat stated where the shading is.M&A workspaceTwo filed positions combined under stated assumptions, a buyer seat and a seller seat, deposit-market overlap and structural precedents. Never a pricing comp.ScenariosActions saved against your own filing, each one run again when you open it — the filing in the first column and up to four scenarios beside it, with CSV and print per scenario.MonitorThe watchlist and the multi-institution advisor portfolio — other people's banks, tracked over time.PrepareThe preparation cockpit and its tabs — posture, the mock examiner, the exam binder and the procedure index — with the rule book behind the findings step and the artefacts that hang off a run.VaultThe hash-chained evidence store, and what the verify page proves about it.SettingsYour account and institution, alert channels, seats and handoff, examiner guest access, and your own CAMELS ratings.Where the numbers come fromThe sources, the supervisory CRE basis, the conjunctive 300%/50% test, CBLR handling, the two kinds of peer figure, and the informational-only boundary.Glossary and FAQPlain-language definitions of the metrics and terms you will meet, the citations behind them, and the questions people ask most.

Platform — the analytical surfaces

Customer account required
Institution viewEight analytical domains ordered by divergence from the group, up to forty quarters, every derivation open in the inspector
Find & Compare BanksDraw a market or screen the population, then compare, screen or combine what you found — comparison groups, the comparison table, the screener and the M&A workspace, on one pageM&A workspaceName an acquirer, find a target by search or by complementary screen, and read the two filed positions combined under stated assumptions — never a pricing compObligationsThe obligation ledger — what was committed, to whom, and what remainsDashboardPosition page: priority surface, Field Notes bottom line, what changed, metrics & thresholds tableIntelligenceTabbed cockpit: regulatory news, custom peer groupsRegulatory NewsChronological feed with relevance scoring across the six federal agency tags plus industryPeer Group BuilderCustom peer cohort by asset size, geography, charterDeposit RiskDeposit concentration breakdown, uninsured exposure, funding mix stress testsReadinessReadiness detail — evaluation against the current Posture recordExam areasPer-area exam view with the procedures and fields behind it

Platform — audit engine and findings

Customer account required
Audit Engine50 rules per institution, human review queue, audit trail, run history
Audit Engine — flag detailPer-flag review with citation, status update, named reviewer
Assess (redirect)Retired index — forwards to Prepare, the cockpit it linked intoImproveFindings worked to closure, with tasks and ownersResponsesDrafted responses awaiting review or sendBrowse ProceduresExamination procedures reference by area — the same procedures Proctor uses in Mock Examiner sessions, with regulatory citations
Browse Procedures — area detailPer-area procedure list with citations, mapped Posture fields, remediation paths
PrepareExam preparation workspaceExam PrepTabbed cockpit: CAMELS, Binder, CalendarCompliance CalendarDeadlines, filings and remediation tasks. Institutional accounts get a shared, audit-trailed institution calendarMock ExaminerProctor-led conversational walkthrough across 10 examination areas — Lite (~15–20 min) and, on Institutional, Full (~45–90 min)

Platform — compliance ops (Institutional and above)

Institutional plan required. Institutional accounts are bound to one FDIC certificate at sign-up.
CAMELS Self-AssessmentSix-component self-rating workbook with supporting narratives — institution-scoped, audit-trailedExam Prep BinderTwo examiner hand-off PDFs — one from your Posture entries, one from the filed call report and the Audit Engine. Each section names the feed behind itPostureStructured compliance record across 12 examination areas with severity-sorted gap rollup and attestation quick-confirmPosture audit trail (redirect)Forwards into Records → Audit Trail with the Posture phase pre-filtered — one rendering of the record, not two
Mock Exam sessionActive session runner — Proctor questions, Yes/Partially/No responses
Mock Exam reportExamination-style gap report with citation-anchored remediation paths
Document VaultHash-chain document storage with cryptographic verificationVault verificationWalk the institution-scoped chain entry by entry, with the method and its limit statedInquiriesRegulatory response workflow with Posture/Vault pre-fill
Inquiry detailPer-inquiry response draft, send, and export to Records
Records audit trailUnified bitemporal event stream — Posture, Vault, Inquiries, Audit, Readiness, Mock Exam
Examiner guest portalRead-only portal for examiners with token-based access
Team managementMulti-tenant team — invite, role assignment, handoffExaminer invitesGenerate examiner guest tokens

Public API

Programmatic access — Enterprise
GET /api/v1/searchSearch institutions by name (API key required)
GET /api/v1/institutions/[cert]Full institution profile and metrics (API key required)

Customer API

In-product endpoints
GET /api/healthService health check — reports the running version
GET /api/scoreRegulatory position + flagged metrics for the user's institution
POST /api/readiness/evaluateRun a readiness evaluation against the current Posture record
GET /api/changesQuarterly metric change detection
GET /api/trendsMulti-quarter trend data for key metrics
GET /api/peersPeer cohort comparison
GET /api/peers/percentilesCohort percentiles for the user's institution
GET /api/deposit-analysisDeposit concentration + funding mix breakdown
GET /api/market-activityDe novo, branch and M&A activity
GET /api/enforcementSearch the enforcement register — OCC and Federal Reserve published actions, returned with their coverage statement
GET /api/regulatory-impactAnnotate news items for relevance to flagged metrics
POST /api/exam-binderGenerate the metrics binder PDF
GET /api/board-deckBoard reporting PDF (Enterprise)
GET /api/compliance-tasksCompliance calendar tasks and deadlines
POST /api/proctor/askAsk Proctor a regulatory question
GET /api/proctor/brief/[cert]Field Notes brief for an institution
GET /api/proctor/traceThe derivation behind a figure Proctor quoted

V3 API

The analytical reads behind the institution view
GET /api/v3/institution/[cert]/capitalCapital domain — one read per domain, each with its own provenance block
GET /api/v3/institution/[cert]/cohort-bandsOrdered cohort positions with observed edges
GET /api/v3/institution/[cert]/changesWhat moved since the prior filing, and by how much
GET/POST /api/v3/groupsList + create comparison groups
GET /api/v3/group-readingsGroup positions — rank form, untrimmed medians, suppressed below the floor
POST /api/v3/screenerScreen the population on filed measures
POST /api/v3/ma/comparablesFiled outcomes of real deals — never a pricing comp
GET /api/v3/ma/overlapDeposit-market overlap from the Summary of Deposits
GET /api/v3/obligationsThe obligation ledger for the caller's organization

Compliance ops API

Posture, Vault, Inquiries, Mock Examiner, Audit
GET/POST /api/postureRead + write the structured compliance record
GET /api/posture/eventsThe append-only Posture event stream
GET/POST /api/inquiriesList + create regulatory inquiries
GET/PATCH /api/inquiries/[id]Read + update an inquiry response draft
GET /api/inquiries/[id]/exportExport the final response as PDF
GET/POST /api/vault/documentsList + upload vault documents
GET /api/vault/documents/[id]Vault document detail + download
POST /api/vault/verifyVerify institution-scoped hash chain integrity
GET /api/mock-examiner/areasExamination areas with status + procedure counts
GET/POST /api/mock-examiner/sessionsList + create mock exam sessions
POST /api/mock-examiner/sessions/[id]/answersSubmit Yes/Partially/No responses
POST /api/audit/runTrigger an audit run
GET /api/audit/flagsList flags with filters
POST /api/audit/run-with-inputRecompute with the 27-field user-supplied override (in-session only)
POST /api/audit/reviewSubmit a human review for a flag
GET /api/findingsFindings across sources, with owners and status

Team & examiner API

Institutional and above
GET/POST /api/team/membersList + add team members
POST /api/team/invitesSend a team invitation email
POST /api/team/handoffHand off institution ownership
GET/POST /api/examiner/invitesList + generate examiner guest tokens
GET /api/examiner/sessions/[token]Examiner-side session resolution

Auth & MFA API

Customer authentication
POST /api/auth/loginEmail + password login, with TOTP step-up when enrolled
POST /api/auth/registerNew account registration
POST /api/auth/forgot-passwordRequest a password reset link
POST /api/auth/reset-passwordReset a password with a one-time token
GET/POST /api/auth/setup-2faMint the enrolment URI, then verify and enable
POST /api/auth/accept-inviteAccept an invitation and set the first password
POST /api/mfa/challengeRequest an MFA challenge
POST /api/mfa/registerRegister a WebAuthn passkey

Billing API

Stripe-backed
GET /api/billing/subscriptionCurrent subscription status
POST /api/billing/cancelCancel at period end
POST /api/billing/resumeResume a cancelled subscription
GET /api/stripe/portalOpen the Stripe customer portal
POST /api/webhooks/stripeSubscription lifecycle webhook

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