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New LEAD model builds on REACH, offers role for home health agencies
As healthcare providers, including home health agencies, gear up for the start of the Long-term Enhanced ACO Design (LEAD) model on Jan. 1, they take comfort that the new model will continue the work of the soon-to-be-completed model, Accountable Care Organization Realizing Equity, Access, and Community Health (ACO REACH), in serving high-needs patients with complex needs.
Pittsburgh orders 13 new fire trucks to replace aging apparatus
Pittsburgh will use funding donated by Highmark Health to purchase eight engines and five ladder trucks as the city works to replace an aging fleet
Pick of the stats: Burnley v Bristol City
Here are the key stats for Burnley v Bristol City.
A profile of St. Louis Cardinals starter Kyle Leahy
This 29-year-old pitcher took a long route to being an MLB starting pitcher
We Simulated the 2026-27 Season 100 Times on NBA 2K27. Here Are the Results.
What happens if you simulate the upcoming NBA season on ‘NBA 2K’ 100 times? We decided to find out for ourselves and record all the results.
Amorim tactics complicated things at Manchester United, says Rasmus Højlund
In a recent interview with La Gazzetta dello Sport, Rasmus Højlund discussed, among other things, his time at Manchester United.When asked about his thoughts on why things didn’t work out at Old Tr...
Why Juventus rejected late offers for Teun Koopmeiners
Teun Koopmeiners was one of the players Juventus wanted to sell this summer, with the Bianconeri doing their best to find a new home for the Dutchman.Juve considered him one of the players earning too...
Lampard on Onyeka, playing 'with bravery' and Man City
Coventry boss Frank Lampard has been speaking to the media before Saturday's Premier League game against Manchester City at Etihad Stadium (kick-off 15:00 BST). Frank Onyeka, who missed the defeat by Hull City, is available for Saturday's trip. Sidiki Cherif is working towards match fitness and is now "in a position to make impact" so could be part of Saturday's matchday squad.
Here’s how Alix Earle finally addresses her falling out with Alex Cooper on her new reality show
Alix Earle finally breaks her silence on her feud with Alex Cooper on her Netflix reality show ‘Earle Meets World.’
Offense Astro-logy: White Sox fall to Houston, 6-2
Chicago drops three of four and loses the season series, 5-2
Longtime Evansville business sells to new owners
According to a letter sent out by the CEO, the new owners will be The State Group.
Prisma Health shares information for press during Ovarian Cancer Awareness Month
September is Ovarian Cancer Awareness Month, an occasion for women to learn more tips about advocating for their reproductive health.
Colts Brutal Opening Stretch Will Put Daniel Jones’ Health to the Test
Daniel Jones looks fully healthy, but Baltimore, Kansas City and Houston will put that claim to the test immediately.
Anthony Richardson is the Colts' No. 2 quarterback
The Colts have decided on a backup quarterback.
The science behind giant bubbles at Discovery Lab
Discovery Lab explains the science behind giant bubbles and shares what makes its special bubble mixture stronger and more flexible.
The Athletic finally publishes its internal review of Dianna Russini
It took much longer than expected.
The Camden Chat community has lost a treasured member
I am writing this article with a heavy heart. Earlier this week, I learned that a longtime member of the Camden Chat commenting community, Jakubazookas, died last month. He was killed in what was apparently an act of random violence while he was walking to work. Jaku, as we knew him for short, was a […]
Giants Take Down Pirates in Extra Innings
Rafael Devers continued his torrid home run streak as the San Francisco Giants edged past the Pittsburgh Pirates in a 10-inning thriller.
Prost! September means Oktoberfest season in Loudoun
Prost! It’s time to dust off your dirndl and get out the lederhosen. It may be September, but Oktoberfest season is about to be in full swing.
Former NFL CB Alphonso Smith Jr. dies at 40
Alphonso Smith Jr., a former NFL cornerback and the 37th overall pick in the 2009 draft, has died.
Palm Beach Lakes quarterback Jordan Johnson thriving after transfer
Palm Beach Lakes quarterback Jordan Johnson has thrown 10 TDs in two games after transferring from Palm Beach Gardens to follow family legacy.
Aryna Sabalenka hits out at ‘joke’ journalist after question over partying
The world No 1 was irritated after questions surrounding her off-court activity at the US Open as she bids for a third successive victory at Flushing Meadows
Biopharma needs more data scientists. Who's getting hired?
With U.S. data science jobs projected to grow 35% over the next decade, a recruiter and talent strategy director discuss the qualifications, technical skills and mindset needed to land these coveted positions.
Former NBA All-Star believes Joel Embiid is not fully dedicated to working hard
Joel Embiid is getting flak for apparent problems with his work ethic.
Police make arrest in attempted break-in at Saquon Barkley's home
In July, someone attempted to break in to Eagles running back Saquon Barkley's Philadelphia-area home.
DeKalb County expands free business incubator for entrepreneurs
Costs continue to rise, and as a result, many Georgia entrepreneurs are struggling to grow their businesses. On the weekends, business owner Amanda Stevens sells sweet treats like frozen grapes and watermelon cakes to kids and families from her food trailer, Candy Lady on Wheels.
Political adversaries join forces, urge Michiganders to vote "no" on state constitutional convention
The current state constitution requires asking Michiganders every 16 years to decide if they want to totally rewrite the constitution.
How many teams will be looking for a QB in the first round of 2027 NFL Draft? There might not be enough QBs to go around
Raiders officially name Kirk Cousins their starting quarterback
Cousins will officially begin the season as Las Vegas' QB1 over rookie Fernando Mendoza.
Fantasy Baseball Prospects Report: Ranking the 10 best September call-ups, led by Lazaro Montes, Ethan Salas
Lazaro Montes headlines the top September call-ups with massive power and upside
Best NFL player for every franchise before and after 2000: Peyton Manning earns unique distinction
From Peyton Manning and Tom Brady to Jim Brown and Jerry Rice, we pick each NFL franchise's best player from two eras
George Clooney Tackles Career, Politics Questions at Venice Film Fest
The Oscar winner touched down on the Lido Wednesday for an afternoon press conference ahead of receiving a Golden Lion career achievement honor during the Venice Film Festival's opening ceremony.
Stellar Entertainment founders complete management buyout succession
Stellar Entertainment founders complete management buyout succession
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
Jon-Eric Sullivan on Quinn Ewers: This is a performance business and it was not getting done
The Dolphins traded Ewers to the Jaguars for a 2028 sixth-round draft pick.
De-fanged: Phillies 7, Diamondbacks 1
Phils go season best 19 over .500 in humbling of Snakes
MLB power rankings: Brewers take No. 1 spot ahead of Braves and Dodgers in all-NL top 3; Rays and Phillies round out top 5
Meet Taylor Swift and Travis Kelce's new dog. She's already a model.
Taylor Swift and Travis Kelce’s dog stepped into the spotlight with a starring role in Kelce’s new Tommy Hilfiger campaign.
Orioles' Colton Cowser makes spectacular game-ending catch vs. Rockies
With two outs in the bottom of the ninth, Colton Cowser brought back a potential game-winning homer as Orioles reach .500 for first time since April.
Local towing companies on edge after business owners killed at work
Police arrested a man accused of killing the couple following a dispute over his car being impounded.
810 Entertainment to bring bowling, dining and entertainment to former Punch Bowl Social home
A new food-focused entertainment venue is coming to Sacramento's Downtown Commons, bringing bowling, interactive games and a full-service restaurant to the space that previously housed Punch Bowl Social near the Golden 1 Center.
John Lynch says "nothing has changed" with Brandon Aiyuk's status
Brandon Aiyuk is out of sight, out of mind for the 49ers.
Maine GOP urges immediate funding boost for struggling rural health centers
PCHC, Maine’s largest federally qualified health organization, said it is in urgent need of funding.
810 Entertainment to Bring Food-Forward Dining, Bowling and Interactive Games to DOCO
— Northern California’s First 810 Entertainment Location Expected to Open Later this Year — Downtown Commons (DOCO) presented by Sutter Health today announced that 810 Entertainment plans to open a food-forward dining and social entertainment destination at the plaza later this year. With 16 locations nationwide, the new venue will mark 810 Entertainment’s Northern California […]
810 Entertainment replacing Punch Bowl Social in Downtown Commons
Founded in Myrtle Beach, South Carolina, 810 Entertainment will fill a spot previously occupied by Punch Bowl Social in Sacramento's Downtown Commons.
RB George Holani's fantasy outlook for Seahawks
The latest updates on Seahawks RB George Holani.
Cowboys waive QB Joe Milton
The Cowboys kept three quarterbacks on their initial 53-man roster, but they dropped to two on Monday, They have waived Joe Milton, which leaves Sam Howell as the only backup to Dak Prescott.
Ground breaks on $50 million sports and entertainment complex in Amherst
Located near ice rinks, softball diamonds and a golf course, the privately funded project is seen as the next step in making Maple Avenue a sports hub.
Funding Cuts, Public Trust, and AI Dominate Concerns for Physical Scientists, Survey Reveals
A new AIP survey finds nearly a fifth of physical scientists have lost federal funding since early 2025, with international travel and recruitment also affected.
Chiefs claim LB Jack Pyburn, DT Bryson Eason
Linebacker Jack Pyburn played at LSU last season and his potential return to the college ranks has been discussed quite a bit recently, but he's now set to be in Kansas City rather than Baton Rouge.
Save Over 50% Off a Like New Pair of Sony WH-1000XM6 Wireless Noise Canceling Headphones During the eBay Labor Day Sale
Includes a 2 year warranty.
PL Update: Arsenal outlast Villa in scrappy win
Cara Banks, Robbie Earle, and Danny Higginbotham react to Arsenal's 1-0 win against Aston Villa and hear from Matty Cash after the match.
THE WEEK OF AUG 31, 2026
- Congress returns to face budget crunch - Science agencies targeted by hackers - NSF and Treasury announce quantum initiatives
USA TODAY Sports Super 15 East region football rankings, Week 3
After the East region's first full weekend of play, see which high school football teams top the East rankings this week.
NASA launches Roman Space Telescope to explore dark energy and distant worlds
NASA’s Nancy Grace Roman Space Telescope is on a mission to probe dark energy, hunt for distant worlds and transform our view of the universe
“1000% A Catch”; “Absolutely Ridiculous” – Red Sox Fans Furious After Ceddanne Rafaela’s No-Catch Call in 16-1 Loss Vs Yankees
Red Sox CF Ceddanne Rafaela was left perplexed after a no-catch call in the outfield during Sunday’s series finale against the Yankees. In the fifth inning, with a runner on base, Jazz Chisholm Jr.
Ben Zobrist Day brings free family events to Freeport
Former Cubs star Ben Zobrist visits Freeport for a community event featuring a Q&A and a chance to win his Camaro.
Home health, hospice deal-making on track to soar in 2027, report predicts
Despite concerns that a federal Medicare moratorium is stifling home health and hospice growth, a new analysis predicts merger and acquisition activity in the home health and hospice sector could be poised for a strong rebound in 2027.
Study: Rural, dual-eligible patients less likely to receive timely home health rehab
Medicare patients who were rural and dually eligible for Medicare and Medicaid were less likely to receive home health rehabilitation services within 48 hours of discharge from the hospital, according to an August study published in the Journal of the American Medical Directors Association.
Weekend Break: 810 Entertainment in South Barrington pairs brunch with some healthy competition
Chicago's Very Own source for breaking news, weather, sports and entertainment.
P JK Scott among final Chargers cuts
The Chargers do not have a punter on their initial 53-man roster.
Weekend Break: Brunch, bocce and bowling? 810 Entertainment in South Barrington has all 3 and more
Chicago's Very Own source for breaking news, weather, sports and entertainment.
How women’s flag football is emerging as one of the country’s fastest-growing sports
"I think it’s a very amazing opportunity for young girls like us to actually be able to put our talent into something that we love to do,” quarterback J’Nya Coney said.
Davenport 12-year-old grows backyard garden into produce business
What started with a small fold-out table in a Davenport driveway has grown into a business for 12-year-old Jaxon Songer.
Cowboys desperately need to sign running back after roster cuts
This Dallas position group has been sliced as thin as deli meat.
Role. I think I've gotten older, without even …
Role. I think I've gotten older, without even …
Denver Broncos have cut offensive lineman Gavin Ortega
According to Chris Tomasson of the Denver Gazette, the Denver Broncos have waived rookie offensive lineman Gavin Ortega.
NASA launches $4.3bn Roman Telescope to uncover universe’s hidden secrets
SpaceX Falcon Heavy propels telescope on cosmic quest to investigate dark energy and matter.
100+ Black-owned businesses to take part in Black on the Block in Chicago
Weekend Break: Bowling, bocce and brunch? Yes, you can do all 3 and more at 810 Entertainment in South Barrington
810 Entertainment opened earlier this year in a newly renovated space in South Barrington, located in Chicago’s northwest suburbs.
How to Watch Dolly Parton Entertainment Tonight Special Streaming Free
'Remembering Dolly: A Rhinestone Life' airs on Sunday, Aug. 30.
Men, It’s Time to Put Your Health First
Between work, family, relationships, and everything else on your plate, it’s easy for weeks to fill up fast. For a lot of guys, that means health ends up taking a back seat. But the reality...
This baby boomer vs. Gen X Senate race emerges as key test of generational change in U.S. politics and what age is too old for Congress
Sen. Ed Markey is 80, while his rival, Rep. Seth Moulton, is 47.
Google Maps adds 'Lake America' as Ford compares change to 'SNL' skit
"No one's going to call it Lake of America. It's been Lake Ontario for hundreds of years," Ontario Premier Doug Ford said.
Yankees Sign Former Top Five Prospect
The New York Yankees have signed Jarred Kelenic to a minor league deal
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.
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