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3 names emerging as possible replacements for Deion Sanders
Deion Sanders’ future at Colorado is facing renewed scrutiny after the Buffaloes fell to 2-3. If the school eventually makes a coaching change, Dan Mullen, Willie Fritz and Jason Eck could emerge as possible candidates, offering different combinations of Power Four experience, program-building success and recent momentum.
Wisconsin governor candidates offer opposing plans to address rising health care costs
Republican U.S. Rep. Tom Tiffany and Democratic Milwaukee County Executive David Crowley say they want to lower health care costs and make care more accessible. But they’re offering different views…
Banijay Entertainment Introduces New US Gameshow Scrambled Up to Market
Media and entertainment powerhouse, Banijay Entertainment, today announces it has acquired the global format rights and finished tape rights to Scrambled Up, an all-new studio-based word game from Michael Eisner’s The Tornante Company; Keller/Noll, the prolific US format creators Cleve Keller and Dave Noll (Chopped, America Says, Flip Side); Crazy Legs Productions; and Playing Field […]
Bluevine adds Coverdash business insurance to banking platform
Jersey City-based Bluevine has added Coverdash-powered commercial insurance options to its digital banking platform for small businesses.
Fitter Kids May Grow Into Less Depressed Adults
By Dennis Thompson HealthDay ReporterTUESDAY, Oct. 6, 2026 (HealthDay News) — Kids who run and play will reap mental health benefits into middle age, a new study says. Active, fit children appear to have a lower risk of developing depression in their late 30s and 40s, researchers reported recently ...
BTIG cuts Sphere Entertainment stock price target on lower revenue outlook
BTIG cuts Sphere Entertainment stock price target on lower revenue outlook
Where Penn State ranks on ESPN’s updated Football Power Index
Penn State’s second straight loss saw the program fall off the US LBM Coaches Poll, and now the team is tumbling down the Football Power Index.
Tuesday ‘Dawg Bites Isn’t Anxious… Yet
Welcome to Tuesday, Bulldog fans! And it’s week 6… the halfway point of the regular season. At this juncture, I believe we all thought we’d know exactly where the 2026 Georgia team stood in the national conversation, because the team would have faced 2 lower division opponents, a rebuilding SEC team, an SEC team that […]
Former German spy chief detained on suspicion of espionage and treason, Bild reports
Former German foreign intelligence chief August Hanning has been detained on suspicion of espionage, treason and obtaining classified information for a foreign power, Bild newspaper reported on Tuesday.
Science-backed guidance for healthy screen time
We’re all aware – and wary – of doomscrolling. Lots of screen time can be bad for us. But what if that’s not always the case? We spoke with the author of a study that found a positive relationship between screen time and brain development in young people. This episode, we sort through what to actually worry about when it comes to screen time – and what guidelines already exist that can empower you and the kids in your life.Interested in learning more about how screen time affects your brain? Email us your question at shortwave@npr.org.Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show’s perks include sponsor-free listening. Learn more at plus.npr.org.
Science-backed guidance for healthy screen time
We’re all aware – and wary – of doomscrolling. Lots of screen time can be bad for us. But what if that’s not always the case? We spoke with the author of a study that found a positive relationship between screen time and brain development in young people. This episode, we sort through what to actually worry about when it comes to screen time – and what guidelines already exist that can empower you and the kids in your life.Interested in learning more about how screen time affects your brain? Email us your question at shortwave@npr.org.Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show’s perks include sponsor-free listening. Learn more at plus.npr.org.
With Uzbekistan open for business, investors watch reform staying power
When Nika Kurdiani began to plot London-listed Georgian lender TBC Bank's expansion into Uzbekistan around 2018, he had to bring plastic bags full of banknotes to pay restaurant bills.
Introducing: The Seiko Panda Watch That Stole The Show In 2024 Is Finally Here
One of the standout creations from Seiko's 2024 power design project—an irresistibly charming chronograph designed to look like an actual panda—has officially entered production.
Nuclear power and waste on Inside West Virginia Politics
CHARLESTON, W.Va. (WOWK) – On this week’s episode of Inside West Virginia Politics, our guests join Rick Johnson to discuss nuclear interest in West Virginia and the school aid formula. In Segment …
Quebec separatists win power in new challenge for Canada’s Carney
Voters in Quebec elected a separatist political party for the first time in more than a decade, setting the stage for more strained relations with Prime Minister Mark Carney’s government
Science Must Move Faster Than Social Media
I have bought produce, cooked it, sold it, specified it, promoted it, walked fields with growers, stood in packing houses, worked with distributors and watched chefs turn raw ingredients into something people want to eat.
City Council takes on debate over catastrophic risks of AI
AI whistleblowers and executives at top AI labs took turns testifying.
Why Sphere Entertainment (SPHR) Stock Is Trading Lower Today
Shares of content production and distribution company Sphere Entertainment (NYSE:SPHR) fell 12.3% in the afternoon session after Craig-Hallum analyst Ryan Sigdahl downgraded the stock from Buy to Hold and reduced the price target to $132 from $170. According to TipRanks, Sigdahl pointed to demand for The Wizard of Oz at Sphere fading faster than expected. The firm cut its estimates to reflect that weaker outlook and lowered its price target to $132 from $170. A reduced target on the show that ha
Wisconsin voters to decide limits on governor’s partial veto power
LA CROSSE, Wis. (WXOW) – Wisconsin voters will see three proposed constitutional amendments on their Nov. 3 ballot, including one dealing with the governor’s partial veto power.
DEEP DIVE: How Politics Is, and Is Not, Addressing Domestic Violence and Sexual Assault
In a conversation with U.S Senate candidate Peggy Flanagan last week with members of our young Future Forward editorial board, we talked about how powerful it is for four Minnesota women to be running for the two highest offices in the state — including Governor. We also talked about
The rocky road to more manageable healthcare costs in NC
NC residents are worried about big medical bills. A state commission is working on ideas to help lower healthcare costs.
U.S. Supreme Court declines request to consider Bellingham COVID-19 vaccine case
The denial means the lower court’s ruling will remain in effect, thereby signaling the end of the case.
Kyoto Vision Rallies 17 Nations for AI-Powered Science: No Budget, No Binding Vows
Kyoto Vision for a Golden Age of Science: 17 nations including the US, Germany, Japan, and South Korea endorsed an AI-driven research declaration at the STS Forum in Kyoto, committing to closed-loop AI labs, reformed science funding, and talent cultivation -- but only to endeavor, not to spend or
Browns Move Into Top-15 of New NFL Power Rankings
The Cleveland Browns have moved into the top 15 of a new NFL power rankings.
Harlandale makes E-N high school football power rankings season debut
Harlandale makes E-N high school football power rankings season debut after winning fourth game in a row.
Nasdaq notches record high close as investors focus on earnings
Nasdaq reached a record high close driven by Nvidia and Microsoft gains amid investor focus on earnings and lower oil prices.
How a controversial camera system is monitoring mental health patients
The Lampard Inquiry started back in September 2024 and I remember going to the first hearing in Chelmsford. Subscribe The bereaved families made placards of their loved ones, they stood outside in silence and then laid flowers to mark the moment. Now, two years on, in a process meant to last another two years, there’s been a development. Last week, we were told the chair, Baroness Lampard, pictured below, could be looking at making interim recommendations. Throughout the process, she has remarked that although this inquiry is looking at almost 2,000 people who were under the care of Essex mental health services from 2000-2023 when they died, the findings could have national implications for other trusts. ‘Records 24 hours a day in patient’s bedroom’ So why has this happened? One system that the inquiry is going to take a closer look at is a controversial monitoring system called Oxevision. It monitors some vital signs of patients remotely by using a camera placed in a room. It’s used by 40% of NHS mental health trusts. But campaigners, particularly the group Stop Oxevision, have asked for this technology to be removed from mental health wards as soon as possible. I spoke to a member, Hat Porter, today and they described to me what they thought this technology did and explained their concerns: “It records 24 hours a day and it’s located in a patient’s bedroom, which is obviously somewhere you’d usually expect to be a private place. “Our concerns are that the use of the technology has been has been kind of implemented as a substitute for proper in-person support, that it’s kind of over relied on and that there’s a lot of misunderstandings and that the presence of a camera, which has often been used without people’s consent, sometimes without even their knowledge, that that has a really big impact on privacy, dignity and human rights.” ‘Not sufficient’ I put it to them that the company behind Oxevision would dispute their claims about consent and in videos I’ve seen online from NHS trusts, they make it clear that the technology is complementary to trained staff and not a replacement. [ ](https://channel4news.substack.com/p/the-nottingham-inquiry-what-lessons) [ How the Nottingham inquiry shines a spotlight on other key mental health care failings ](https://channel4news.substack.com/p/the-nottingham-inquiry-what-lessons) Victoria Macdonald · Feb 12 [ Read full story ](https://channel4news.substack.com/p/the-nottingham-inquiry-what-lessons) A team of lawyers has been working on the inquiry and with bereaved family members who have concerns about this technology. I spoke to solicitor Priya Singh, from Hodge Jones & Allen, who made the point that questions usually asked by nurses would be missing from using devices like this. “It’s not sufficient to say, oh, the patient is moving around. Somebody must go in and say, are you okay? Are you distressed? Do you want help? Is there anything I can do? Share Channel 4 News “How are you spending your time? So I think a lot of our families cannot see the function of it when ultimately the patient should only really be observed when they’ve been prescribed to be observed, they can be observed more, but that more should really be happening face to face.” The Chair will hear evidence over the next two weeks and then a decision made after that, which could have national impact if she does decide this technology should be investigated or even removed. The Department of Health and Social Care said: “The Government is committed to ensuring that lessons are learned from the Lampard Inquiry to improve patient safety. “We are confident that the Inquiry will play an important role in identifying wider learnings for the health system following the tragic events in Essex and will contribute to improvements in patient safety.” We approached LIO Health, which runs Oxevision, for comment. Subscribe Share Channel 4 News Leave a comment
Why Sphere Entertainment (SPHR) Stock Is Trading Lower Today
What Happened? Shares of content production and distribution company Sphere Entertainment (NYSE:SPHR) fell 12.3% in the afternoon session after Craig-Hallum ...
Congressional candidates discuss expanding executive power and need for political will
Congressional approval ratings are in the tank. By some measures this is one of the least productive sessions of Congress in living memory. WGLT's Charlie Schlenker reports those things may not change much any time soon.
Senate clears bipartisan bills on aviation worker mental health
Sen. Tammy Duckworth says pilots and other workers need to be able “to take care of themselves without fearing for their job security.”
Angels To Face Decision On Ill-Fitting First Baseman
Nolan Schanuel’s elite contact skills contrast sharply with a glaring lack of power, forcing the Halos to weigh his high-floor production against more traditional middle-of-the-order threats.
The #2 Movie on Netflix Is a Thrilling Documentary About a Charismatic Serial Killer
"The Widower: 'Til Death Do Us Part" follows the twisting story of Thomas Randolph, also known as the "Black Widower," of whose six wives, four ended up dead.
How a 'superwoman' who plays pro tackle football has built a flag football powerhouse
During the fall, Rachel Karos coaches Willowbrook flag football. Come spring, she is a professional tackle football player in the WNFC.
Olivia Rodrigo’s Unraveled tour might be 2026’s best
WASHINGTON – For her third major tour, Olivia Rodrigo literally brought herself some well-deserved flowers.
Nvidia’s Shield TV Pro just got a $100 price hike
Nvidia’s powerful streaming box will now cost you a lot more.
Spanish PM Pedro Sánchez looks for political lifeline in snap election
Embattled Socialist leader aims to capitalise on housing crisis to remain in power
Here's What Capcom Said About Using Generative AI In The RE Engine: 'AI Is Not A Replacement For Humans'
Capcom want to evolve RE Engine into an engine for the AI generation, but not turn it into an engine powered by generative AI over humans
The Science Enabling a Steady Supply of Critical Minerals
Researchers are collaborating across disciplines to unlock domestic sources of valuable materials and lower costs.
National Museum of Natural History’s Sant Director Kirk Johnson To Depart for the Denver Museum of Nature and Science
Kirk Johnson announced today that he will step down as the Sant Director of the Smithsonian’s National Museum of Natural History after 14 years in the role, as he prepares to join the Denver Museum of Nature and Science as its next president and CEO. An advocate for science, nature and the power of museums to influence the […]
Davids Fights Washington Healthcare Cuts with Plan to Lower Costs, Protect Kansas Hospitals
WASHINGTON, D.C. — Today, U.S. Representative Sharice Davids (KS-03) introduced a comprehensive package of healthcare legislation that directly counters Washington’s recent healthcare rollbacks, which are increasing monthly costs and closing rural hospitals. Davids’ efforts would protect Kansas families from rising medical costs, block new federal red tape, and keep local hospitals and health clinics open.
Windows 11 26H2 brings a hidden performance boost — and may slash RAM usage
Windows 11 26H2 quietly brings several performance improvements, including a Low Latency Profile that makes common tasks feel faster. Some users are also reporting lower RAM usage after the update, although Microsoft has not confirmed that 26H2 itself is responsible.
What does Spain's snap election mean for the EU?
Spain's snap election on 29 November could cost progressive European forces their last government in a large member state, tilting EU power towards the right and pushing socialists into opposition mode.
Spurs' Harris questionable for regular-season opener after straining left calf
The 6-foot-8 power forward will be reevaluated following the team’s five-game preseason schedule.
Supreme Court declines First Amendment case of students forced to remove ‘Let’s Go Brandon’ sweatshirts
The Supreme Court on Monday declined to take up a First Amendment appeal from two middle school students who were ordered to remove sweatshirts emblazoned with the words “Let’s Go Brandon,” steering clear of a case that could have clarified the power schools have to police potentially offense speech in the classroom.
Top Workplaces 2026: LJA Engineering takes top spot for large businesses
Empowering employee growth through a stock ownership plan, LJA Engineering is the Orlando Sentinel’s 2026 Top Workplaces in Central Florida winner in the large business category.
2026 Outstanding Women in Business
The 18th annual Outstanding Women in Business awards recognize a dozen well-accomplished professionals from across the region and in many industries who go above and beyond. The committee selected the winners from more than 80 nominations, all of whom were worthy. The criteria evaluated each nominee’s professional achievements, community impact, ability to break the glass ceiling and mentorship of other professionals, particularly women. In addition to profiling these women in the following pages, the Worcester Business Journal will celebrate this year’s Outstanding Women in Business at a special luncheon on Oct. 28 at the College of the Holy Cross. To join the celebration of these exceptional women, visit WBJournal.com and register. – Mark Conti, editor This Year’s Judges Worcester Business Journal considered 54 Central Massachusetts professionals for the 2026 Outstanding Women in Business awards, based on 83 nominations. These nominees were independently evaluated by two volunteer judges, who scored each on their professional achievements, community contribution and mentorship of young professionals. Samantha P. McDonald is a partner at Bowditch. She is an experienced, client-focused real estate lawyer, concentrating on business and real estate property law. She has been recognized as a WBJ Power 100 in the Class of 2026 and a “Top Women of Law” in Massachusetts Lawyers Weekly. Dr. Kavita Babu is chief medical officer and vice president of medical affairs at Heywood Healthcare, where she provides strategic and clinical leadership to advance high-quality, patient-centered care across the organization. She is also a member of the WBJ Outstanding Women in Business Class of 2025.
Dennis Hastert, Powerful Politician Disgraced by Child Sexual Abuse, Dies
The longest-serving Republican speaker of the House admitted in 2016 to abusing teenage boys decades earlier. He was 84.
Sphere Entertainment (NYSE:SPHR) Downgraded by Craig Hallum to "Hold"
Craig Hallum lowered Sphere Entertainment from a "buy" rating to a "hold" rating and set a $132.00 price objective for the company. in a research report on Monday.
Scientists Reveal The Optimal Amount of Sleep For Lower Dementia Risk
A huge analysis uncovered the sweet spot.
Bluevine and Coverdash Partner to Bring Embedded Business Insurance to Small Businesses
/PRNewswire/ -- Bluevine, the largest small business banking platform in the US* and Coverdash, a leading embedded business insurance provider powering...
Bolsonaro and Lula head to a runoff in Brazil's presidential election
Sen. Flávio Bolsonaro, an ally of President Donald Trump, and Brazil’s incumbent President Luiz Inácio Lula da Silva will face off in a runoff Oct. 25 for the top job of Latin America’s powerhouse economy after neither won a majority in Sunday's vote.
Hurricanes Beat Flyers 3-2 In Overtime With Gostisbehere Heroics
The Carolina Hurricanes survived a scare in Philadelphia, using a former Flyer's power-play goal to secure a 3-2 overtime win.
$350 million Memorial Health project to bring road and parking changes
A $350 million Memorial Health project will add a 90-bed tower, cafeteria, loading dock and parking garage.
Rethinking discovery: how powerful screening tools are redefining the search for new medicines
In medicine discovery, identifying the right biological target has always been a critical and complex step. Today, the rise of powerful screening tools is fundamentally reshaping this process, creating a step-change in how we move from scientific hypotheses to transformative medicines. Advances in high-throughput screening, genomics and AI-driven analytics are enabling scientists to interrogate disease biology at unprecedented scale, bringing forward opportunities that were previously beyond reach.
From floating saunas to clinical trials: How heat might help mental health
Many people are turning to sauna because of its benefits for their mental health. While scientists have a decent understanding of how sauna — and other forms of heat exposure — exercises our cardiovascular system, they know relatively little about its impact on depression, anxiety and mood. But more studies are being done to understand this connection and why heat appears to act as a powerful antidepressant. NPR's Will Stone visits a "floating sauna village" in Oslo where a husband-wife team are conducting one of the first trials on the link between sauna and mental health — and talks to one of the leading researchers in the U.S about her efforts to study this. Morning Edition consumer health segment for October 5
ASUS Announces New 64GB Configuration of the Ascent GX10
ASUS today announced a new 64 GB configuration of ASUS Ascent GX10, expanding the lineup alongside the existing 128 GB model. This compact AI supercomputer is designed to bring local agentic AI development within reach of more developers, researchers and data scientists. Based on the NVIDIA DGX...
Uncovered raw shrimp a tic against wings restaurant
The following is a list of restaurants in Richmond and Columbia counties that were inspected Sept. 25 through Oct. 2, accompanied by their scores and, in some cases, the health infractions that lowered those scores. Scores below 70 are considered failing.
Seventeen Countries Back a Kyoto Vision for AI-Powered Science
Seventeen countries endorsed the Kyoto Vision for AI-powered science. Here’s what it proposes and what must happen next.
Miami Marlins Hitting Core Emerges After Strong Season
Hit king Otto Lopez and defensive powerhouse Joe Mack lead a surging youth movement, signaling a turning point for the franchise following a productive 80-win campaign.
Sunday Night Football: Tetairoa McMillan's big night powers Panthers to 32-26 victory
McMillan caught 14 passes for 192 yards with two touchdowns against Detroit, as Carolina moved to 2-2 in 2026.
MacBook Pro With OLED Display Rumored to Be 'Significantly Lighter'
Bloomberg's Mark Gurman today said the new MacBook Pro models with OLED displays will be "significantly lighter" than the existing MacBook Pro models. "Apple has reengineered the machine's interior, miniaturizing parts and rearranging components to make the computer much easier to carry," he said, in his Power On newsletter. Currently, the MacBook Pro weighs up to 4.7 pounds, while the MacBook Air weighs up to 3.3 pounds and the MacBook Neo weighs 2.7 pounds.
Trump faces midterm verdict as Democrats close in on US Congress
A month before the US midterms, Democrats are eyeing control of Congress -- and the power to put President Donald Trump on the defensive for the rest of his term by investigating his administration an...
Coffee-Rich Diet May Be Linked to Better Breast Cancer Outcomes, But Experts Urge Caution
A new study is again drawing attention to a popular morning beverage: coffee. Researchers found that women with breast cancer who consumed higher amounts of polyphenols, naturally occurring plant compounds abundant in coffee and many plant-based foods, experienced lower rates of breast cancer-related death over a long-term follow-up period.
Caterpillar is a Great Business. But is CAT Stock a Great Buy?
Caterpillar Inc. (NYSE:CAT) is having a strong year. Construction and mining demand remain solid, infrastructure spending is creating more opportunities, and the rapid buildout of data centers is opening another market for the company’s power equipment. The latest numbers make that clear. Sales and revenues reached a record $20.5 billion in the latest quarter, up […]
Ace Combat 8: Wings Of Theve Smashes Series Steam Record With Over 52,000 Concurrent Players
Ace Combat 8: Wings of Theve is off to the series' best PC launch by a wide margin. The game came out on October 2 and peaked at over 52,000 concurrent Steam players a day later, according to SteamDB. That is nearly four times the 13,758 that Ace Combat 7: Skies Unknown managed in 2019, while...
Health records from 68 adults link plant-based grocery support to lower blood pressure and weight
Providing people with nutritious foods can improve the management of chronic metabolic diseases such as type 2 diabetes and hypertension. However, most studies of "Food Is Medicine" programs have only ...
Diet analysis links higher pulse intake to lower heart disease and diabetes risk
New research from two William & Mary students has found that the risk of heart attack could be significantly lowered with one simple dietary change: increasing the intake of pulses. But what is a pulse? ...
UCF's Defense Struggles to Close in 27-17 Loss
A dominant start crumbled as a relentless Houston ground game capitalized on short fields and a vanishing pass rush, leaving the Knights searching for answers before facing powerhouse ranked opponents.
In Metallica's hands, Sphere is a totally brutal Vegas vacation
Metallica makes no bones about their ambitions. Of course they were curious about Sphere, a venue that could go toe-to-toe with their firepower.
Tom Cruise-led 'Digger' craters at the box office
Warner Bros.' climate change satire "Digger" collapsed at the box office with a domestic haul of $8 million, despite the star power of Tom Cruise.
Modders are furious as Claude-powered mashup mods flood social media
A wave of AI-decompiled mashup mods has taken over X/Twitter this week.
Supreme Court heads into new term with one eye on President Trump
When the Supreme Court kicks off a new term on Monday, it’ll be without a docket full of Trump-driven, separation-of-powers blockbusters that defined the last term — for now.
Ravens-Titans inactives: Ronnie Stanley, Zay Flowers to play
The Ravens deactivated four players for their Week 4 matchup with the Titans.
Mental health courts help divert people from jail. Why don’t more NY counties have them?
This story originally appeared in New York Focus, a nonprofit news publication investigating power in New York. Sign up for their newsletter here (https://nysfocus.com/newsletter).
Mental health courts help divert people from jail. Why don’t more NY counties have them?
This story originally appeared in New York Focus, a nonprofit news publication investigating power in New York. Sign up for their newsletter here (https://nysfocus.com/newsletter).
Nvidia’s $235 Billion Buyback Offers a Powerful Lesson for Founders
Founders should bet on themselves by using strong cash flow to strategically reinvest in their business and fuel sustainable growth.
Florida tumbles in Football Power Index after brutal Missouri loss
The Florida Gators' devastating loss to the Missouri Tigers in Week 5 sent them tumbling down ESPN's Football Power Index rankings.
NLDS Game 1 notes: Tarik Skubal, Teoscar Hernández, Max Muncy
The Dodgers secured their first postseason game of the year on Saturday, powering three home runs to back a strong start from Tarik Skubal in a 5-3 win over the Atlanta Braves. It was the first time that Skubal was able to pitch at home in a postseason starts, as all of his four playoff […]
Book review: How one coach built a college golf dynasty
Jim McLean details how coach Dave Williams transformed the University of Houston into a college golf powerhouse.
How Americans’ Financial Health Is Faring In The “K-Shaped” Economy
Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.
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Bruce Springsteen and other music legends delivered a powerful message at the “Power to the People” protest festival in Maryland | KCBS All News 106.9FM and 740AM
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Inside the DC 'Power to the People' festival headlined by Bruce Springsteen
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