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August Monthly Review: ChatGPT In Epic
Death, taxes, another frontier lab healthcare launch inspiring truly insane LinkedIn takes. As much as I want to stay away, I repeatedly am the crewman unplugging his ears whenever we pass these sirens. So it’s not the first and probably not the last time we dial up the typewriter rather than tie ourselves to the mast. The full blow-by-blow timeline: Health API Guy is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe The End of the Standalone PHR (Jan 8): ChatGPT Health arrives for consumers, at the time powered by b.well. I was bullish on the approach in that the best way for the PHR to finally solve distribution was to meet consumers were they already are (i.e. When Horizontal Meets Healthcare (Jan 9): OpenAI for Healthcare puts out the shingle for enterprises, with SharePoint ingestion standing in for the EHR integration the product actually needed. Another One: Anthropic’s Healthcare Debut (Jan 16): Claude's version, on HealthEx rails instead of b.well, with Agent Skills for FHIR development as the one true vertical-specific investment. ChatGPT for Clinicians: The Trap Sprung (Apr 24): OpenAI filled in the missing GTM middle with a free product for verified clinicians, effectively peeling the enterprise wrapper off ChatGPT for Healthcare and taking the PLG fight directly to OpenEvidence. OpenAI’s Second Attempt at Health (Jul 31): a relaunch of their patient specific app, now branded Health in ChatGPT, where the privacy partition came out, the connectors thinned, and b.well disappeared in favor of first-party FHIR work against a smaller network Beyond a Shingle So what was announced now? Today, we’re introducing a new electronic health record integration that brings authorized patient context from Epic into ChatGPT for Healthcare, along with the Healthcare Public Data plugin for direct, structured access to official healthcare datasets like PubMed, DailyMed, and CMS Coverage. Together, these capabilities bring ChatGPT closer to the systems and sources healthcare teams trust, while supporting the controls and compliance healthcare work requires. The core portfolio is unchanged from prior announcements we delineated and discussed (aside from the relaunch of patient-facing). Since trade publications still seem to be confusing them by using the wrong names: Enterprise sales motion: ChatGPT for Healthcare Protecting their core product / PLG: ChatGPT for Clinicians Consumer/patient-facing product: Health in ChatGPT So really, this is a feature release (specifically for ChatGPT for Healthcare when it comes to EHR integration). What’s cool about it, though, is that we are moving beyond just putting out a shingle. Everything in the January enterprise launch was horizontalizable: Horizontal tech companies thus generally start verticalization with their “putting out a shingle phase”. Telling the world you’re open for business as a horizontal tech company reliably attracts early inbound interest from buyers who are already trying to force-fit horizontal tools into domain-specific workflows and are eager for any signal that the vendor intends to support their use case more directly. Nothing was really vertical specific, which is exactly what you'd expect from the ultimate hypergrowth horizontal company dipping their toes into specific industries. But eventually you have to stop changing the sign on the door and start changing the product. Can you guess where the horizontal product was going to run out of road? This is the core dilemma writ large: verticalization requires differentiation, while scale economics of consumer and horizontal push toward unification. I’ve buried the lede so deep here it will be painful to some readers, but what should be shocking to no one is that my perspective is that EHR integration is the only path that meaningfully resolves this tension for ChatGPT for Healthcare. Integration with Microsoft Sharepoint is fine, but it is categorically insufficient for any product that hopes to influence clinical decision-making. SMART Money Well here we are, eight months later! Real vertical investment has begun, which surprised a few people. One friend in the industry messaged me: “Absolutely no way Epic gave ChatGPT API access.” Looking forensically at the announcements, the integration is notably read-only across appointment notes, laboratory results, medications, and specialist documentation. So while I’m not a betting man, I'd wager the house this is a SMART on FHIR launch: That sounds a lot like USCDI! The recommended path for the workflow they outline would be SMART on FHIR Their Health AI lead’s post is evocative of both standalone and EHR launch SMART, which another termed “ChartGPT” and “EHR Plugin” The implementation burden for SMART on FHIR is the lowest of the available integrative paths This is the team who literally did patient-facing SMART on FHIR with Epic last month Most importantly, if you’re a horizontal company, you generally still haven’t taken the full plunge and thus (overly) value reusability. SMART on FHIR is the logical compromise: healthcare-specific enough to matter, but standardized enough to reuse. Nobody Asked Judy Another friend asked “I thought they had to go to each health system, or did they go direct to Epic and now health systems opt in?” Given the trust paradigms in healthcare, this functionally cannot be Epic hoovering up all the data for OpenAI and shoving ChatGPT in their customers’ faces (or they would revolt). However, I do believe the aforementioned terrible coverage by TechCrunch and other outlets is probably responsible for that question, given the 325 million reference. When using FHIR as a business associate to an Epic customer, there is no EHR gatekeeping to speak of, as that isn’t how fhir.epic.com works: You register an app You pick your APIs You test against the sandbox APIs You list as “Ready for Production” Hospitals pick your app You test and go live with them Bluntly, nobody had to say yes or no in Verona (nor were they given the chance). Vendor Services (their next developer tier up that I doubt OpenAI is using quite yet in this initial release) certainly has contractual paperwork that some resent, but even there, the twin pressures of mounting antitrust and information blocking make outright gatekeeping increasingly fraught. My friend’s sentiment is, to me, representative of a broader industry neurosis, perhaps a sort of scar tissue of prior eras: people assume the gate is still there and never actually try the door. There are certainly other ways Epic (and any EHR) can put its thumb on the scale, but they are not so dumb as to stand in front of a federally mandated API and play bouncer at this exact moment in time. So I think they can and probably should go deeper, as this release is at best parity and at worst behind vertical-specific competition. OpenEvidence did a basic SMART launch with Sutter Health in February, allowing for more convenient evidence search by providers. They then add patient-context (the equivalent SMART on FHIR flow to what we see here) when Cedars-Sinai went enterprise-wide in May. UpToDate has four distinct applications across deeper workflows like patient engagement listed in Epic Showroom and announced a partnership with Epic to power Art at UGM Abridge and other ambient scribes have invested deeply into the deepest bidirectional clinical copilot workflow with integrations well beyond SMART on FHIR. In that light, the “Who is OpenAI primarily targeting here?” is clear. This release brings them into striking distance of OpenEvidence, but not the others quite yet. They are the only one of the three you can reach without building something truly Epic-specific. When will they go further? Competition is a great motivator to overcome the horizontal demons and start building things that can’t be reused: not across industries, not across EHRs, maybe not past the customer you built them for. That’s the price of actually verticalizing. The question is if and when OpenAI will be willing to pay it. Month in Review Here is the monthly review. As a reminder, this is a regular round-up of the month’s posts and other content to surface things you may have missed across regulation, litigation, interoperability, and beyond. AI assistance is used in these bullet summaries so I can focus on articles. Articles Published: None this month Video Content: The Information Exchange: Standards-based Thruple Edition (Aug 14): Back to school for us too, with Brad reporting in from the CMS Health Tech Ecosystem’s one year anniversary in DC. We get into the January CMS-0057 deadline, the fall rulemaking reading list, and why enrollment still keeps most apps off FHIR. The Information Exchange: Epic Dúnadan Edition (Aug 25): A UGM roundup with Ryan Brickner joining for the first time to check our takes against what the building actually thinks. Rangers, Ergo sitting on top of EHI, and a down-market lineup that needs some cuts. Regulatory: Stacked Deck, Bad Hand (Aug 05): ONC’s website refresh took the entire HIT Policy Committee record with it, so I rebuilt the archive and went looking for the regulatory capture story everyone assumes is buried in there. Stacking the deck and winning the hand turn out to be very different things. The Sixth Generation of Patient Access (Aug 19): A quick catalog of the five generations of patient access we’ve layered on since HIPAA, and the two candidates now competing to be the sixth. One is planned. The other is the market routing around the plan entirely. Court cases: Three Cases Walk Into a Docket (Aug 06): Two surprise settlements cleared the board in a single week, and then Judge Maddox dropped ninety-four pages on Vyne v. Henry Schein. The sleeper is a DMCA holding that makes direct-to-database a considerably riskier business model. Epic v. Health Gorilla: Into the MDL (Aug 10): Nine class actions are headed to Miami, and the Panel signaled it wants to bring the case that spawned them along too. That would leave Epic arguing the requests were obviously fraudulent in one courtroom and unknowable in the other. Amazon v. Perplexity: Agents Are Legalized! (Aug 11): The Ninth Circuit vacated the injunction against Comet, holding that the user is the one accessing the servers rather than the company that built the agent. A real win for agentic access, and a much narrower one than the headline suggests. Veeva v. Epic: Come At Me, Bro (Aug 26): Epic’s response brief wants the dismissal affirmed and, unusually, wants the opinion published as precedent. Buried in it is Epic’s own description of what its non-competes actually prohibit, which current and former employees should read closely. EHRs: The Contract Epic Would Never Sign Today (Aug 04): A 1999 SEC exhibit catches Epic licensing nearly its entire product line, Tapestry included, to the company that became TriZetto. The marketing services menu attached to it is the part that will make you blink. Forecast from Verona (Aug 07): The Epic Almanac makes one argument six different ways: the AI is only as good as the networks behind it. Emmie headlines, Art’s context stack is the most ambitious part, and Penny finally gets an autonomous coding date on the calendar. Works With Epic MyChart (Aug 17): Epic’s first new Showroom category since the death of Workshop certifies hardware instead of software, badge on the box and all. Made for iPhone, but for blood pressure cuffs, and rough news for anyone selling the RPM stack sitting in between. UGM Hot Takes 2026 (Aug 20): Everyone else covered the AI announcements, so I went after Savvy deleting the payment gateway, Rangers as Boost with the timer removed, and a down-market lineup with too many entries. Plus the Health Grid tidbits I cannot help myself on. MyChart Central Grows Up (Aug 24): Device data and Emmie turn Epic’s identity hub into a full consumer platform, which is both a logical answer to ChatGPT and a bit of a mistake. It also happens to be the best scraping target Epic has ever shipped. Industry Analysis: The Wrong Yardstick (Aug 12): Vertical software keeps getting judged against Superhuman and Notion, which is the wrong bar entirely. Your user is comparing your product to a whiteboard and forty phone calls before lunch. Primitives vs. Abstractions (Aug 27): Developers want building blocks, systems of record prefer to hand out business logic, and both sides have a real case. There’s no test from the outside that separates the engineering reason from the competitive one, which is why this keeps ending up in court. Cross-industry Comparisons: The Two Kinds of Platform Power (Aug 18): Attention power and record power are different problems that keep getting handed the same regulatory toolkit. Congress’s latest swing at Big Tech shows both what’s possible and where it falls apart. The Dogs of (Platform) War (Aug 21): A CourtListener alert turned up a property management fight with healthcare’s exact shape and none of the Cures Act. Shell prospects, ghost accounts, a notetaker bot that came back to haunt someone, and a lawyer arguing both sides of the same theory in two states. Fractals All the Way Down (Aug 31): Yardi dominates property management right up until you zoom into one segment, where AppFolio owns it outright and Yardi doesn’t appear at all. Where you draw the line around a B2B software market is about to decide an awful lot of cases. Other News: If Judy Had the Courage (Aug 13): A short eulogy for the era when software was allowed to look insane: WinAMP, bold colors, and everything the grey chatbot era has taken from us. External Media: Portland Monthly Health Tech Meetup: Erin O’Brien channeled my own feelings - maybe it’s just because it’s August and beautiful, but the monthly edition of the PDX Health community meetup was a ripper. Make sure to reach out if interested to join for the next one. STAT’s Coverage of Epic This Month: Brittany Trang of STAT did a fantastic job of breaking the FTC investigation that’s been lurking, as well as UGM related coverage, so I had to give her her wish of a meme. Fall Conferences: I’m pumped to be kicking off my fall conference season in NYC at Nabla Accelerate next month, which Chrissy provided the link to apply for. Here’s the rest of my schedule in case you want to meet up: Commonwell (Redwood Shores, CA): Oct 13-14 Open@Epic (Madison, WI): Oct 21-22 eHealthExchange (Austin, TX): Oct 27 Sequoia Project (Austin, TX): Oct 28-29 HLTH (Vegas): Nov 15-18 RSNA (Chicago): Nov 29-Dec 3 Posts I Liked: HTI-6 Should Unbundle API Certification: Josh Mandel makes the case that HTI-6 should split (g)(10) into separate authorization and data certifications, so a PACS or a genomics platform can certify only the role it actually performs. Imaging is the urgent example, but the structure solves a much bigger problem. On implementing ePrior Auth with Epic: Scott Rossignol’s field notes from a live ePrior Auth build on Epic, including the two app registrations nobody warns you about and the CPT mapping problem waiting at the end. CMS-0057 implementations are going to be such a beast. Healthcare point solutions are starting to look a lot like streaming services: Spencer Dorn runs the cable-to-streaming arc against health IT and lands squarely on the bundling half of the cycle. Bundling can be good! It can also be bad! Life is nuanced. Health API Guy is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe
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Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices
Hey all, Jason here. When this hits your inbox, I should be en route to the airport — not to go anywhere myself, just to pick up my better half. I must admit, it’s been strange to be home alone (well, with two dogs) for two weeks! Really lets me “optimize” to spending more time on reading/writing/working, whether that’s healthy or not! Looking forward to getting back into a (somewhat) more balance routine. Subscribe or Support by Upgrading Compare Notes With the People Who Built Modern Fintech Partner content: Remitly CEO Sebastian Gunningham. Increase founder Darragh Buckley. Linda Du, Co-founder & President at Valon. They’ll unpack the decisions behind building and scaling major financial products: what they got right, what broke, what they would do differently, and how AI and new infrastructure are changing the operator playbook. Most events tell you where fintech is going. NerdCon puts the people who built the present in the room and asks them what comes next. Expect an operator-led conversation grounded in real products, real trade-offs and lessons earned the hard way. Fintech Business Weekly readers save 20% on Regular tickets with code FBW20 before standard pricing ends September 11. Meet the Builders Things To Know & Other Good Reads Advent and Stripe Abandon $50 Billion Pursuit of PayPal (Bloomberg) Trump Family’s New Crypto Bank Is Backed by Abu Dhabi Sheikh (Wall Street Journal) The multiplying risks of financing data centres (FT) Let the Bond Market Speak (Wall Street Journal) Did we waste a crisis? Modest proposals to reform deposit insurance. (Fintech Takes Banking) Untangling Guggenheim: How Private Credit Built Its Own Universe (Net Interest) The Hater’s Guide To Circular Financing — Part One (Ed Zitron) Fiat Ventures Rebrands to FGV Capital, Announces $35M Oversubscribed Fund II (BusinessWire) Socure Announces Strategic Growth Investment at $5.2B Valuation and Acquires Agentic Operations Platform Fravity (Socure) Listen: When Consumer Protection Disclosures Work Too Well (Consumer Finance Monitor Podcast) Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices When Andreessen Horowitz led EarnIn’s $39 million Series B in 2017, Alex Rampell, a partner at the storied venture capital firm, described EarnIn’s small-dollar advance product as “free,” relying on “entirely on voluntary contributions instead of fees.” Rampell favorably compared EarnIn’s approach to typical payday loans, writing, “Payday loans historically have had the potential to be a slippery slope for consumers into financial distress: opaque systems and steep fees that are hard to repay and set individuals back further than where they started. For many Americans living paycheck to paycheck, that kind of slide into debt can be extremely difficult to recover from.” But EarnIn’s product — which, the company says, isn’t a “loan,” legally speaking — ends up being anything but free for most users. While it is technically possible to take a no-fee advance from the company, most users incur “Lightning Speed” (instant funding) fees and/or ostensibly optional tips that combined can equate to annualized percent rates that can reach over 1,000%. With an average term of 9.77 days, even fees and tips that are small on an absolute dollar basis are equivalent to high APRs on an annualized basis. A lawsuit filed last week by Colorado Attorney General Phil Weiser against EarnIn describes the company and its product and business practices quite differently than Andreessen’s Rampell; “EarnIn’s business practices are unfair because they are immoral, unethical, oppressive and unscrupulous,” the complaint, filed in District Court in Denver, Colorado, says. EarnIn’s marquee product, Cash Out, isn’t a loan, the company says, as Cash Out is not “[f]orward [l]ooking” because “[t]he money is transferred based on earnings to date,” does not carry a mandatory fee to access funds, and is “non-recourse,” meaning EarnIn cannot pursue recovery from users who don’t repay advanced funds. EarnIn is sometimes referred to as an “Earned Wage Advance” service. Though, unlike some others in the broader category, EarnIn does not integrate with employers’ payroll or time and attendance systems. Rather, EarnIn attempts to verify a user’s income and employment, by examining direct deposit transaction data in their linked external bank account, by using GPS location and Bluetooth data to estimate a user’s time spent at work, if they work in a fixed location, and/or by having a user provided a work email address. While repayment is theoretically optional, as EarnIn would have no recourse, such as reporting non-payment to the credit bureaus or a collections agency, this is anything but clear to users of the EarnIn app, Colorado’s complaint argues. During the process of taking a Cash Out, users must agree to a preauthorized debit of the amount advanced, plus any expedited funding fee and/or tips. Though users technically can revoke this ACH authorization, the fact that they have this right isn’t presented to users during the Cash Out process, but rather is included in linked terms and conditions few users are likely to actually read. And users who do wish to revoke their ACH authorization must do so three or more days before the scheduled transaction date by emailing EarnIn’s customer support. Similarly, EarnIn’s marketing claims that it carries “no interest” and “no mandatory fees” is technically true, but is not the reality for many of the app’s users, the Colorado complaint argues. Further, EarnIn has extensively marketed to users the ability to “access your pay today,” to get “instant” funds, and to get funds “the same day you work” — when, in reality, this speed of access was only possible by paying the additional, undisclosed Lightning Speed fee. The Colorado complaint highlights this contradiction specifically, noting: EarnIn tells consumers that they can ‘Make any day payday with EarnIn’ and that there no ‘hidden’ or ‘mandatory fees.’ For a consumer to access their pay on the same day requested, they would have to pay the Lightning Speed fee. In the fine print of the advertisement EarnIn discloses that ‘[f]ees apply to use Lightning Speed,’ a direct contradiction to the larger text of the advertisement, and a fact that would not be immediately understood by a consumer as ‘Lightning Speed’ is not defined nor explained. Like other small-dollar lending services, rather than explicitly charge interest, EarnIn collects a markup on the optional Lighting Speed fee, which, given the nature of the transactions, many users opt for, as well as offering users the option to leave “tips.” EarnIn leverages either Real-Time Payments (RTP) rails or push-to-card via debit rails if a user opts for the optional Lightning Speed. But while these capabilities cost EarnIn, on average, $0.075 or $0.20 per transaction, respectively, EarnIn charges users significantly more. Initially, EarnIn charged as little as $1.99 for Cash Outs up to $24. But EarnIn has hiked these fees multiple times, and now charges $4.99 for Cash Outs up to $75 and $6.99 for those over $75. According to the Colorado complaint, EarnIn leverages “dark patterns” to manipulate users and to make it more difficult to avoid tipping. Examples of these “road blocks” highlighted in the complaint include: As of 2023, in the EarnIn app, a consumer attempting to get a loan under the default settings had to make at least eighteen separate taps to complete the transaction and reduce the tip to $0. There is an alternative method to leave a $0 tip, via the “Custom tip” feature, but EarnIn made this option difficult to access by visually deemphasizing it and positioning it near devices’ “home” button. Using language and imagery such as “Tip to pay it forward,” “Your generosity supports the service + helps,” “Your tips make a difference,” and “[t]he APR for this cash out is 0%. Your tips help support us.” While Lightning Speed and tipping are, in theory, both optional, in practice, users nearly always ended up paying something. According to the Colorado suit, users were charged either a tip or an expedite fee for more than 92% of transactions, with an average APR of nearly 388%. And, although the advances are “non-recourse,” EarnIn successfully collects on nearly all transactions — 99.18%, according to the complaint, which, Colorado argues, “demonstrat[es] that EarnIn’s advances function as high cost loans, not voluntary payments.” The share of EarnIn users incurring fees — despite the product being marketed as 0% APR — is hard to reconcile with Andreessen investor Rampell’s favorable description of EarnIn vs. “opaque systems and steep fees” associated with payday loans, which, Rampell says, can be “extremely difficult” for borrowers to extricate themselves from. According to Colorado’s suit, EarnIn’s Cash Out product “trapped many consumers in extreme cycles of high-cost reborrowing.” The suit gives an example of one consumer in the state, who took out a whopping 1,151 loans, paying a total of $4,038.50 in Lightning Speed expedited funding fees on loans that averaged the equivalent of 1,421% APR. Another Colorado user, the suit says, took out 1,033 loans, paying $8,561.22 in tips and fees at an average APR of 1,539% . These types of usage patterns demonstrate “the severe and repeated financial harm caused by EarnIn’s illegal lending model,” the Colorado complaint argues. In aggregate, from January 2023 through July 2025, EarnIn extended 3.1 million loans to 56,778 users in Colorado — an average of nearly 55 transactions per person during the time period. EarnIn lent more than $300 million and collected more than $16 million from Colorado users in Lightning Speed fees and in tips. Ultimately, the Colorado complaint argues that “EarnIn’s Cash Outs are loans under Colorado law, and EarnIn’s contention that its product is not a loan based on its disclaimer of any legal repayment obligation lacks any real-world significance given how the Cash Out transactions actually operate in practice.” Colorado further argues that “EarnIn was not working with companies here in providing consumers with funds but acted as a third-party lender and charged illegally high rates, used deceptive design strategies to extract some charges, and trapped consumers in repeat borrowing. Colorado will continue to stand up for consumers and hold companies accountable when they violate our credit laws or attempt to evade them through misleading practices.” Colorado’s suit alleges EarnIn assesses finance charge in excess of that permitted by Colorado law, that EarnIn failed to make legally required disclosures to Colorado borrowers, that EarnIn made supervised loans to consumers without obtaining the requisite license, that EarnIn violated the state’s Deferred Deposit Loan Act, that EarnIn engage in unfair and deceptive trade practices, and that EarnIn made false or misleading statements concerning price. The suit seeks a court order enjoining EarnIn from violating relevant Colorado laws, for EarnIn to refund amounts charged in excess of state law, fees, costs, and penalties, and other relief the court deems to be just. 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. Q2 Quarterly Banking Profile: Five Quick Takeaways The FDIC released its quarterly banking profile, which is always worth a read, for the second quarter. The profile provides an aggregate snapshot about the overall health of the 4,238 institutions whose deposits are insured by the FDIC, who, collectively, hold more than $26 trillion in assets and saw a total net income of more than $90 billion in the second quarter. Net income was up 12% vs. Q1 2026, with lower provisions and realized gains on securities helping to drive the improvement, somewhat offset by increases in non-interest expense and applicable income taxes. Overall net interest margin was basically flat quarter over quarter (up 1 basis point vs. Q1 2026), though community banks saw NIM grow by 10 basis points, to 3.81%. Unsurprisingly, given that interest rates haven’t changed, unrealized losses on securities changed little, edging up slightly to $326.7 billion vs. $325.1 billion in Q1 2026. Aggregate credit quality has remained benign, with asset quality actually improving slightly in Q2. Overall, institutions reported a 9 basis point decline in their past-due and non-accrual rate, to 1.44%. Net charge off rate also declined by 2 basis points, to 0.57%. And finally, the FDIC’s deposit insurance fund stands at $161.1 billion, making the DIF reserve ratio 1.48% — above the statutory minimum of 1.35%, but still below the designated target reserve ratio of 2%. [Paid Subscriber Exclusive] Nissan Withdraws ILC App, State Associations Plan BankChain Alliance, FDIC Defines “Unsafe or Unsound Practice” For First Time Automaker Nissan withdrew its application to charter a Utah industrial loan company and its corresponding application to the FDIC for deposit insurance last week, on August 19th. Nissan’s application had been outstanding for more than a year, as it originally applied in June 2025. Recent applications to the OCC to form national banks have been decisioned, one way or the other, substantially more quickly than has historically been the case.
The screenings and other habits doctors recommend as early-onset cancers rise
Some cancers can’t be screened for or are hard to detect, but there are many factors that can help manage risk.
Trump’s Oil Deal Riles Both Sides of Venezuelan Politics
Venezuelan hard-liners and opposition forces alike criticized acting President Delcy Rodríguez for agreeing to grant the US exclusive access to the country’s
Xbox CEO says next-gen Project Helix will be a “family of devices,” hinting at another Xbox Series S|X-style lineup
Xbox CEO Asha Sharma says the next-generation Project Helix will launch as a “family of devices,” suggesting a tiered lineup similar to the Xbox Series S and X. Microsoft has confirmed AMD-powered hardware supporting Xbox and PC games but has yet to disclose pricing, release timing, or disc-drive options.
Reactions: “That was a perfect first half”
(in the mixed zone): “The first half was spectacular, the second was a lot of hard work. But over the course of the whole game, you could clearly see the commitment and the determination. In the fir...
The next Cascadia megaquake could hit Oregon harder than expected
The Juan de Fuca plate beneath northern Oregon appears to be shallower than previously estimated, potentially making shaking from a future Cascadia megathrust earthquake significantly stronger. Scientists also found a deep basin beneath Tillamook that could trap seismic waves and intensify the shaking even further.
Bills inform punter Wishnowsky he will be released, AP source. Hardman among 13 players cut by team
The Buffalo Bills informed veteran punter Mitch Wishnowsky that he is being released as the team began making its cuts for the start of the season, a person with knowledge of the discussions told The Associated Press on Saturday. The person said Wishnowsky’s release will be made official on Sunday, when all NFL teams are required to establish their 53-player rosters. In the meantime, the Bills announced cutting 13 players on Saturday, including veteran receiver/punt returner Mecole Hardman.
Oil deal with US is denounced by both sides of Venezuelan politics
Opposition said agreement with Trump administration was potentially illegal while government hardliners cast it as a betrayal
Yankees news: Cody Bellinger's 'tennis' admission will catch fans' attention
New York Yankees outfielder Cody Bellinger is a World Series champion, National League Championship Series MVP, regular season MVP, three-time All-Star and Gold Glove winner. One does not collect all that hardware without becoming a master of preparation. Yes, his career took a nosedive for a couple of years due to prolonged injury problems and […] The post Yankees news: Cody Bellinger's 'tennis' admission will catch fans' attention appeared first on ClutchPoints.
Top Stories: Apple's 'Surprise and Shine' Event, Plus New Mac mini and Mac Studio
It turned out to be a big week for Apple news this week, as we not only got an official announcement about the upcoming iPhone event but also several hardware announcements including updated Mac mini and Mac Studio models. Anticipation continues to build for Apple's first foldable iPhone coming at next month's event, while subscribers to the Apple TV streaming service are getting hit with another price increase, so read on below for all of the details.
Scientists turn one of the hardest plastics to recycle into high-performance engine lubricant
Researchers have discovered a way to turn notoriously difficult-to-recycle PVC plastic into a key ingredient used in high-performance lubricants such as engine oil. The technique could give mountains of plastic waste a valuable second life while making lubricant production more sustainable.
Ukraine MANPADS sergeant: gear to find targets harder to get than missiles
Ukraine uses MANPADS to down Russian drones, jets, and aircraft, but to be effective, teams need batteries and ways to find targets.
Vikings' most agonizing roster decision looming on 2026 cutdown day
The Minnesota Vikings have not had many secrets regarding their roster this summer. The focus for head coach Kevin O’Connell has been on the quarterback position since the end of last season. That’s when the 9-8 Vikings took a hard look at their season and came to the conclusion that they did not get the kind of quarterback play they needed to win […] The post Vikings' most agonizing roster decision looming on 2026 cutdown day appeared first on ClutchPoints.
Op-ed: West Virginia recognized as national leader in small business development, entrepreneurship
For generations, West Virginians have been known for their hard work, determination, and willingness to build something from the ground up. Today, those qualities are matched by an entrepreneurial ecosystem that is helping new businesses not only launch, but succeed in the long term. A recently released business longevity study found that West Virginia leads […]
Rising energy, fuel costs cut into bottom line for Pa. businesses
At Shirley’s Cookie Company, Facilities Maintenance Manager Richard Weyant detailed the efforts he’d overseen to keep utility costs down at their Blair County facility. They included thousands of dollars invested to upgrade to LED lighting alongside new and more efficient HVAC systems. While electricity use went down by 5.7% over four years, he told Republican […]
Tom Hardy’s debut rap album has officially dropped — and yes, he does the Bane voice
The “MobLand” actor moonlights as a rapper under the name Frankie Pulitzer.
Tom Hardy’s debut rap album has officially dropped — and yes, he does the Bane voice
‘MobLand’ actor Tom Hardy has officially dropped his debut rap album — and yes, he does the Bane voice from ‘The Dark Knight Rises.’
For The First Time In 25+ Years, GTA 6 Will Make Stealing Cars Hard
Committing grand theft auto in Grand Theft Auto 6 will be much more challenging and rewarding
It’s the World’s Most Popular Sports League. Nothing Else Comes Close. Why Has It Been So Hard for Me to Enjoy It?
This isn’t the first time I’ve tried, but this time will be different.
Lonergan named to endowed chair in glass science
Kim Day, president of the TKD Foundation, poses with Dr. Charmayne Lonergan, the inaugural Richard K. Brow Chair of Glass Science. Photo by Andrew Layton/Missouri S&T Dr. Charmayne Lonergan has been named the inaugural Richard K. Brow Chair of Glass Science at Missouri University of Science and Technology, effective Sept. 1. Lonergan is currently a...Continue Reading Lonergan named to endowed chair in glass science
DLSS 5 Patched to Work on RTX 4000 "Ada Lovelace" GPUs Despite No Official Support
The modding community has been hard at work ever since the untimely release of DLSS-NR, a precursor to DLSS 5. Now, modders have gotten NVIDIA's leaked DLSS 5 tool working on RTX 4000 series cards, even though the tool was only built for RTX 5000 Blackwell hardware. The DLL leaked earlier this...
New Official Nintendo 64 Game Launches to Strong 4.9/5 Reviews
A new game officially releases on original Nintendo 64 hardware and also receives strong reviews from players.
The Witcher 3: Wild Hunt Remastered Bumps PC Minimum Hardware Requirements
CD Projekt Red announced The Witcher 3: Wild Hunt Remastered at Gamescom 2026, revealing a visual, performance, and gameplay upgrades coming as a free update to The Witcher 3 for existing owners. Owners of The Witcher 3: Wild Hunt Complete Edition will see their game update to the Remaster on...
New labs boost hands-on learning for Millwood Arts Academy
KOKH Fox 25 provides, news, sports, weather and local event coverage in Oklahoma City and surrounding areas, including McLoud, Shawnee, Tecumseh, Seminole, Wewoka, Maud, Asher, Wanetted, Goldsby, Norman, Blanchard, Chickasha, Pauls Valley, Purcell, Andarko, Bridgeport, Lawton, Duncan, Okarche, Kingfisher, Guthrie Stillwater and Cushing, Oklahoma.
Anthony Richardson included in latest quarterback trade rumors
Anthony Richardson’s name has surfaced in trade chatter as his uncertain Colts future continues to linger.
Slidell pickle company grows from personal hardship into small business
Big Mike Brennan launched BraveLyttle Pickle Company in Slidell, turning his culinary knowledge and determination into a growing pickle business.
Why Michigan is a top state for new business survival
"I think it's hard to say whether it's indicative of long-term success," said Alex Rainville, who teaches at the University of Michigan-Dearborn.
Tua Tagovailoa Gets Blunt Reality Check Before Dolphins Game
The Miami Dolphins will welcome back Tua Tagovailoa in the preseason final game against the Atlanta Falcons on Aug. 28 at Hard Rock Stadium. Moreover, Tagovailoa will get the start against his former team as he’s looking to nail down the Falcons’ starting job.Tagovailoa had a forgettable preseason opener against the Denver Broncos, going just […] The post Tua Tagovailoa Gets Blunt Reality Check Before Dolphins Game appeared first on HEAVY.
AI Brings Scamming Against Businesses To A Whole New Level
AI supercharges existing scam categories like impersonation, phishing, and business email compromise, making them hyper-personalized and harder to detect.
Debra Lienhardt, RWJBarnabas Health Executive Vice President, Chief Business Development and Legal Officer, Honored as a Leading Woman in Business by NJBIZ
Debra Lienhardt, RWJBarnabas Health Executive Vice President, Chief Business Development and Legal Officer, has been honored as a recipient of the 2026 NJBIZ Leading Women in Business award, which recognizes women who have made a significant impact in New Jersey.
Florence Harding Photographed Taught Me About Women Partaking in Politics
What would Florence Kling Harding think now? A week or so ago when I cast my ballot at my designated polling place this thought crossed my mind. I imagine the former first lady would be pleased about how routine voting has become for women in the United States. But perhaps she would not be satisfied. Today, a published essay I wrote for In Pursuit spotlights a lesson in leadership demonstrated by First Lady Florence Harding. In my research, I discovered there’s a lot to be said about this strong female historic figure. But it was the blurry photograph capturing Mrs. Harding voting for her husband Warren G. Harding, one of two presidential candidates from Ohio, on Nov. 2, 1920—Election Day—that drew my attention. It was the first presidential election held in the United States after the ratification and certification of the 19th Amendment, granting women the right to vote. Its 106th anniversary was marked on Wednesday. I remember thinking what a shame it was that her presence in the image was imperfect while the mostly men surrounding her were in sharp focus. Perhaps cynically I thought, “No surprise!” On further examination, though, the clear reaction of the people surrounding Mrs. Harding was equally important. In that snapshot of time, many of their expressions were serious. One man stood elevated above the rest with a slight smile as he caught a glimpse of history. Mr. Harding hovered over his wife’s shoulder closely observing the last seconds of her vote being cast. Their gazes were locked in on who would hours later become first lady. Subscribe The attention she drew is worth noting, mostly because, as I learned, Mrs. Harding understood the power her image could have on women across the country. She and I share in common a career in newspapers—hers the business side and mine on the editorial side. Nevertheless, it became clear to me as I write in the essay that she understood if she was seen voting, other women would follow suit. That wouldn’t necessarily be the case in that 1920 election, though, Karen Kedrowski, the director of the Carrie Chapman Catt Center for Women and Politics at Iowa State University, explained to me. Florence Harding was a suffrage advocate. But, suffrage was a contentious issue and women were far from united at the time of the election. In fact, a substantial number of women and active anti-suffrage organizations thought women participating in elections was a “bad idea and antithetical to their roles in the private sphere as mothers and homemakers,” Kedrowski said, adding that women were also viewed as the moral compass for their husbands and sons. If women got involved in politics they would become contaminated by it. Suffragists, on the other hand, wanted to bring that moral presence into politics to help clean things up. Only about 30% of women voted in that 1920 presidential election. That was a start. More than 100 years later in the 2024 presidential election, 66.9% of eligible women voted (91.3 million), compared to 63.7% of men who voted (82.6 million), according to the League of Women Voters. Yes, Florence Harding would be pleased. Subscribe That imperfect Election Day image was important symbolism about women’s potential during what was known as the “Modern Woman” era and the growing public role women were taking in the 1920s. I imagine Florence Harding might agree with other succeeding first ladies when it comes to gender equality and the importance of the vote. Like Michelle Obama when she said in her memoir Becoming, “We all play a role in this democracy. We need to remember the power of every vote.” Or Hillary Clinton during her unsuccessful run for president in 2016 when she remarked on International Women’s Day: “We celebrate the progress we’ve made to advance the full participation of women in economies and societies. And most importantly, we recommit to finishing the unfinished work that remains …” I hope if you are reading this, you will also read my essay on Florence Harding’s leadership lesson for In Pursuit. And perhaps that will move you to dig deeper and read more about Florence Harding’s life circumstances in biographies like First Lady Florence Harding: Behind the Tragedy and Controversy by Katherine A. S. Sibley. No, I do not think Florence Harding would be satisfied despite how far women have come from that day she first entered her polling place. She once wrote to the Camp Fire Girls, “The part that women play in the world has been greatly changed … It has been broadened and enlarged …” It has. And as women continue to engage in civics it continues to be. I imagine Florence Harding would want women to keep meeting the moment. Read the In Pursuit essay Watch on C-SPAN Share East Wing Magazine is a reader-supported publication. To receive new posts and support our work, consider becoming a free or paid subscriber. Subscribe
Hold on to your butts! This iconic ‘Jurassic Park’ fossil just sold for $400,000 at auction
An iconic ‘Jurassic Park’ fossil prop from the 1993 movie just sold for $400,000 at auction.
Anthropic makes first move into physical AI with new way for scientists, manufacturers to bring equipment to life
The Model Hardware Standard (MHS) works with any AI model, not just Claude, but for now only a handful of companies can access the research preview.
State report shows increase in new businesses in Shelby Co, slower housing market
The Secretary of State's office and the University of Tennessee released the 2026 Second Quarter Business & Economic Indicators report.
Debra Lienhardt, RWJBarnabas Health Executive Vice President, Chief Business Development and Legal Officer, Honored as a Leading
Debra Lienhardt, RWJBarnabas Health Executive Vice President, Chief Business Development and Legal Officer, has been honored as a recipient of the 2026 NJBIZ Leading Women in Business award, which recognizes women who have made a significant impact in New Jersey. The honorees were celebrated at a formal event on August 18 at The Palace at Somerset Park.
Debra Lienhardt, RWJBarnabas Health Executive Vice President, Chief Business Development and Legal Officer, Honored as a Leading
Debra Lienhardt, RWJBarnabas Health Executive Vice President, Chief Business Development and Legal Officer, has been honored as a recipient of the 2026 NJBIZ Leading Women in Business award, which recognizes women who have made a significant impact in New Jersey. The honorees were celebrated at a formal event on August 18 at The Palace at Somerset Park.
The Eureka Machine: Richard Socher Breaks Down Science In The AI Age
Richard Socher’s The Eureka Machine argues agentic superintelligence could transform science through simulation, integration, experimentation, and discovery.
Best practices for launching albums and series in a crowded entertainment marketplace
In this era of personalized algorithms and nonstop content, getting an audience to notice a particular album or debuting TV show, let alone keep coming back, is harder than ever. And the line between a release being a drop in the ocean and a cannonball splash is razor thin — yet not impossible, This new special […]
Mental health workers say Annunciation community still in one of its hardest phases, 1 year later
AI's memory crunch is coming for Android apps
Google is setting new memory-use limits for Android apps as AI data centers contribute to hardware shortages that could leave lower-cost phones with less memory.
Best Buy Quarterly Entertainment Revenue Drops 6.3%
Best Buy Aug. 27 reported a 6.3% drop in second-quarter (ended Aug. 1) same-store entertainment sales, compared with a 39.3% surge in the previous-year period. The entertainment segment, which includes video game hardware and software, books, music CDs and computer software, saw revenue of $571.41 million, or 6% of Best Buy’s domestic revenue of $9 … Continue reading "Best Buy Quarterly Entertainment Revenue Drops 6.3%"
Best Buy Quarterly Entertainment Revenue Drops 6.3%
Best Buy Aug. 27 reported a 6.3% drop in second-quarter (ended Aug. 1) same-store entertainment sales, compared with a 39.3% surge in the previous-year period. The entertainment segment, which includes video game hardware and software, books, music CDs and computer software, saw revenue of $571.41 million, or 6% of Best Buy’s domestic revenue of $9 … Continue reading "Best Buy Quarterly Entertainment Revenue Drops 6.3%"
Samsung’s $700 Galaxy S26 FE Is Better, but It’s Getting Harder to Call It a Bargain
Samsung's best software features from 2026 are coming to the lower-cost S26 FE -- but at $700, it's certainly not cheap.
A Phillies world without Kyle Schwarber and Jesús Luzardo is hard to imagine
Kyle Schwarber and Jesús Luzardo are two reasons the Phillies’ familiar core still looks more alive than stale.
2026 Hardee’s Friday Night Blitz Preview Tour: Dan River Wildcats
ROANOKE, Va. (WFXR) — Here’s a preview of the 2026 Dan River Wildcats. Head Coach: Micah Knight (3rd Season) Last Season: 5-6….Lost at Gretna in Region 2C Quarterfinals 2026 Schedule August 28th – vs. Tunstall September 4th – vs. Halifax County September 11th – at Bassett September 18th – at Martinsville September 25th – vs. […]
Dale Earnhardt Jr. Weighs in on NASCAR Wet-Weather Debate
Dale Earnhardt Jr. shared his thoughts on the debate regarding NASCAR's wet-weather procedure.
NFL announces offseason version of 'Hard Knocks' will return in 2027, feature an entire division
Google Play mandating reduced memory usage & seamless device migration in 2027
In response to “hardware supply constraints that are altering device memory,” Google aims to reduce the memory usage of Android apps.
Review - Elden Ring: Tarnished Edition on Nintendo Switch 2
It's hard to believe that it's been well over a year since Elden Ring was announced for Nintendo Switch 2. In fact, it was one of the very first games
CD Projekt Red explains where The Witcher 3's expansion region Letten actually is, and it's close to the setting of The Witcher 4
Exactly where is the new Witcher 3 expansion location of Letten on the map - why is it so hard to find?
Barry Manilow taking 'quick break' from touring amid health issues
Barry Manilow was "pushing a little too hard" during recent gigs and is taking some time out to recuperate.
Anyadike urged to build on record-breaking debut
Robert Earnshaw says Noah Anyadike has achieved something "incredible" by becoming Cardiff City's youngest ever first-team player – but has told the teenage defender the hard work starts now. Academy player Anyadike, from Carmarthenshire, made his senior debut in Tuesday's EFL Cup defeat to Norwich City at the age of 15 years and 98 days old.
Perplexity launches a local AI agent with zero token costs
Perplexity has launched "Portable Computer" — a new agentic AI that runs locally on NVIDIA hardware and saves token costs.
Angel Reese Fires Back At Reporter With Bold Claim After Historic WNBA Rebounding Night
Angel Reese continues to rewrite the WNBA record books. Just two days after posting a career-high 31 points in a road win at Phoenix, the Atlanta Dream forward delivered another statement performance against the Los Angeles Sparks on Monday night. This time, her big night on the glass was not the only story out of Los [...]
Release of Marine veteran from Russian custody turns focus to other detainees with health concerns
Robert Gilman is the latest in a succession of high-profile prisoners freed by Russia going back years, but his release hardly cleared the decks of Americans behind bars there
Politics Chat, August 25, 2026
A newsletter about the history behind today's politics.
Dolly Parton spoke of ‘hard times’ with her health days before her death
Just days before her death, country music icon Dolly Parton spoke of "hard times" with her health.
Dolly Parton spoke of ‘hard times’ with her health days before her death
Just days before her death, country music icon Dolly Parton spoke of "hard times" with her health.
Dolly Parton spoke of ‘hard times’ with her health days before her death
Just days before her death, country music icon Dolly Parton spoke of "hard times" with her health.
Dolly Parton spoke of ‘hard times’ with her health days before her death
Just days before her death, country music icon Dolly Parton spoke of "hard times" with her health.
Dolly Parton spoke of ‘hard times’ with her health days before her death
Just days before her death, country music icon Dolly Parton spoke of "hard times" with her health.
Dolly Parton spoke of ‘hard times’ with her health days before her death
Just days before her death, country music icon Dolly Parton spoke of "hard times" with her health.
21 North Bay eateries receive $5,000 business grants
Started to help businesses hard-hit by the pandemic, the California Restaurant Foundation’s grants help pay for equipment, technology, employee training and other business needs.
Dolly Parton opened up about ‘hard times’ with her health in final interview days before she died
Country music legend Dolly Parton opened up about “hard times” with her health days before she died.
Nebraska State Fair brings in entertainment for all tastes and budgets
GRAND ISLAND, NE – The 2026 Nebraska State Fair begins this Friday, August 28th and runs through Labor Day, September 7th in Grand Island. The 2026 Nebraska Lottery Concert Series features a great…
AB 1776 would make things even harder for California small businesses
California small businesses need smart laws that help us make the most of today’s integrated digital tools and allow us to grow and compete — not radical policies that jeopardize our future.
At Atlanta Black Pride, Joy Becomes A Public Health Strategy
As federal disruptions threaten hard-won progress against HIV, organizers are embedding prevention, care and stigma reduction within Black queer culture and celebration.
Rhode Island Launches New Program to Cover Lab and Office Costs for Up to Eight Life Science Startups
/PRNewswire/ -- For an early-stage life science company, the hardest part often isn't the discovery. It's finding a place to develop it — a lab, the equipment,...