  Let dimensions $d \ge 3$ and codimensions $c \ge 3$ be positive integers, and
define the exceptional set $E = \{3, 4\}$. We prove that, for $d \notin E$ with
arbitrary $c$, or for $d \in E$ with $c \le d$, for any $d$-dimensional
integral homology class $[\Sigma]$ on a compact (not necessarily orientable)
$(d+c)$-dimensional smooth manifold $M$, there exist open sets
$\Omega_{[\Sigma]}$ in the space of smooth Riemannian metrics such that all
area-minimizing integral currents in $[\Sigma]$ are singular for metrics in
$\Omega_{[\Sigma]}$. This resolves a conjecture by White regarding the generic
regularity of area-minimizing surfaces and provides a sharp dimension-wise
answer. As a corollary, we determine the moduli space of area-minimizing
currents in the vicinity of any area-minimizing transverse immersion with
dimension $d \ge 3$ and codimension $c \ge 3$ that satisfies an angle condition
of asymptotically sharp order in $d$. Analogous conclusions apply to mod $2$
area-minimizing surfaces.
