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Democrat Hickenlooper takes aim at Iran war in 1st general election ad
U.S. Sen. John Hickenlooper ties soaring fertilizer and fuel costs to what the Colorado Democrat calls President Donald Trump’s “illegal war” with Iran in the first general election TV ad, released on Tuesday by his campaign. In the 30-second spot, made available first to Colorado Politics, Hickenlooper links costs stemming from of the 31-week-old conflict […]
Supreme Court weighs local governments' climate lawsuits against oil, gas firms
Key justices appeared wary about the potential sweep of litigation, but torn over the complex legal interplay of federal and state laws raised by the case
Supreme Court weighs local governments' climate lawsuits against oil, gas firms
Key justices appeared wary about the potential sweep of litigation, but torn over the complex legal interplay of federal and state laws raised by the case
Massachusetts Governor Urges No Vote on Cannabis Prohibition Measure
Gov. Maura Healey said she opposes Question 8, a ballot measure that aims to wipe out the state’s adult-use legalization laws.
Police urge Pennsylvania businesses to remove skill games as legal deadline approaches
Months after a justice ruled that skill games are legally slot machines, a deadline is fast approaching for the machines to be removed.
Supreme Court kicks off new term with major climate case
The Supreme Court returns for its new term on Monday, and oral arguments in a major case over the fate of a costly climate change lawsuit brought by Boulder County, Colorado, will kick off a term set to feature several blockbuster legal battles. Suncor Energy v. County Commissioners of Boulder County will decide whether a […]
St. Louis County issues political sign placement reminders
St. Louis County Public Works staff will remove any signs that are illegally placed.
After a legal battle, Marylanders will vote on future redist...
Marylanders will vote on Question 3 in November after the state’s highest court cleared a revised redistricting amendment for the ballot.
Is it legal? Trump promises Medicare and ACA checks without Congress ahead of midterm elections
President Trump is promising $90 payments to more than 20 million Medicare seniors and $500 refunds to nearly 1 million ACA enrollees, bypassing Congress and raising legal questions from Democrats.
How Americans’ Financial Health Is Faring In The “K-Shaped” Economy
Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.
Rare police raid of Taipei gay bar sparks angry protest
Around 100 members of Taipei's LGBTQ+ community protested on Sunday after police raided a gay bar the day before and detained its customers, a highly unusual move given that Taiwan prides itself on its liberal image and legal support for sexual minorities.
Our take on Colorado’s 2026 ballot measures
Constitutional Amendment 81: Law enforcement reporting requirements to federal authorities Changes the state constitution. All such amendments need 55% to be enacted. Amendment 81 would amend the state constitution to require law enforcement to notify U.S. government immigration officials when they charge a person who is in the country illegally and the alleged offense is […]
Search warrant served at another Butler County business in ongoing illegal gambling investigation
An illegal gambling investigation in Butler County, Missouri continues.
Search warrant served at another Butler County business in ongoing illegal gambling investigation
An illegal gambling investigation in Butler County, Missouri continues.
Activision And Bethesda Crackdown On GenAI MW2 And Fallout Projects
Vibe coders are getting legal notices
Redmond airport concessionaire ousted after 17 years of business, legal actions taken
Aviano RDM LLC has filed a legal complaint against the city of Redmond after losing both concessions, retail bids for the new airport terminal A national airport hospitality company has […]
Will Brazil Betting Ban Change Flutter Entertainment's (FLUT) Narrative
Flutter Entertainment reported that Don Liu resigned as Chief Legal Officer effective September 30, 2026, with Group Company Secretary Edward Traynor stepping in as interim Chief Legal Officer from October 1, 2026. Brazil's recent ban on online betting removes a previously important market opportunity for Flutter Entertainment, placing greater emphasis on execution in existing regulated regions and any remaining expansion plans. We will now look at how Flutter Entertainment's investment...
Oklahoma drunk driver at center of 'political favoritism' scandal back in prison
Admitted drunk driver Sara Polston, whose case has spurred protest and policy changes around Oklahoma’s GPS ankle monitoring program, is back in prison and facing charges of illegal voting.
Mission Health antitrust lawsuit heads toward settlement
Agreement in principle could end yearslong legal fight over health care competition in Western North Carolina
Kennedy Center Honors move to new venue amid building closure
The Kennedy Center Honors gala will move to Capital One Arena in Washington, D.C., after the center’s closure amid a legal battle over the addition of Trump's name to the building.
Dolly Parton's nephew wants more time to defend himself against restraining order from her estate
Dolly Parton’s nephew, Bryan Seaver, is seeking more time to secure a lawyer in a legal battle involving a restraining order taken out by her estate | Talk 1370
Dems demanding Venezuela brief face State Dept fury as senators leave town without answers
Senate Democrats challenge the legality of a Pentagon equity stake in Venezuelan oil company NABEP, but the State Department fires back sharply.
164 slot machines seized in Sarasota County illegal gambling bust
The slot machines were taken from three locations in Englewood, officials say.
Protesters target new Live Nation venue with 'illegal monopoly' messages
Before Miranda Lambert took the stage for the opening night at The Truth, protesters projected messages calling Live Nation an "illegal monopoly."
Weiser joins lawsuit challenging new fuel economy standards
“The federal government’s backsliding on standards for the next five years requires less fuel economy than what the U.S. fleet of new cars and trucks achieved in 2021. Rolling back fuel efficiency standards will cost Coloradans even more at the gas pump, harm public health, and undermine our nation’s position in the EV market. These clean car rules are part of our clean energy future and that’s why we are challenging this illegal action,” said Attorney General Weiser.
Solo law firm owner shares advice on running your own business
It offers general legal services but also has niches in representing other attorneys as well as designers, artists and publishers in the board gaming industry.
This year’s Kennedy Center Honors will be relocated amid ongoing legal battle
For the first time, the annual Kennedy Center Honors will be held somewhere other than the John F. Kennedy Center for Performing Arts amid a political and legal fight that has put the institution’s future in limbo.
Michael Allen can’t be trusted on ICE
Twenty-one months into President Donald Trump’s second administration, his approach to immigration enforcement is clear: using untrained, masked U.S. Immigration and Customs Enforcement agents resulting in both the arrests and killings of Americans and the destruction of families and communities. It is a strategy that scapegoats brown-skinned Americans, denies people their right to legal representation […]
Jalen Hurts Illegal Hit Defended by Bears Teammate
The illegal hit on Philadelphia Eagles quarterback Jalen Hurts by D'Marco Jackson has been defended by his teammate Jahdae Walker. The post Jalen Hurts Illegal Hit Defended by Bears Teammate appeared first on HEAVY.
2 federally charged after kratom seized at Oxford, MS business
MEMPHIS, Tenn. — Two men accused of possessing kratom and illegal substances at an Oxford, Mississippi, business have been federally charged Thursday. Yahya Mohamed Mosleh, 51, and Islam Moha…
'It's a nightmare.' Former refugee, professor on Trump's new Medicaid policy
Starting Oct. 1, many immigrants who are here legally lose their Medicaid coverage because of the Republican budget bill passed last year.
Former Target Legal Chief Cashes-in Chips at Gambling Giant Flutter Entertainment
Flutter Entertainment was indefatigable CLO Don Liu's "second attempt" at retirement.
Oklahoma Senate study examines barriers for guardians in mental health care decisions
When a person is in the middle of a serious mental health crisis and can’t make medical decisions for themselves, families say Oklahoma’s system can leave legal
Rapper Rick Ross charged with battery after domestic violence accusation
Authorities say rapper Rick Ross was arrested early Thursday in Miami Beach and charged with battery related to a domestic violence accusation. Online court records show Ross, whose legal name
Rapper Rick Ross charged with battery after domestic violence accusation
Authorities say rapper Rick Ross was arrested early Thursday in Miami Beach and charged with battery related to a domestic violence accusation. Online court records show Ross, whose legal name
Arizona appeals court upholds rejection of Marana data center referenda
The Arizona Court of Appeals, Division Two has upheld the rejection of two referendum petitions challenging zoning approvals for a proposed Marana data center project, ruling that the petitions failed to meet Arizona’s strict legal requirements for referenda. The decision affirms an earlier Pima County Superior Court ruling and leaves the Marana Town Council’s January […]
Rapper Rick Ross charged with battery after domestic violence accusation
Authorities say rapper Rick Ross was arrested early Thursday in Miami Beach and charged with battery related to a domestic violence accusation. Online court records show Ross, whose legal name
Rapper Rick Ross charged with battery after domestic violence accusation
Authorities say rapper Rick Ross was arrested early Thursday in Miami Beach and charged with battery related to a domestic violence accusation. Online court records show Ross, whose legal name
Trump does not rule out demolishing the Kennedy Center
The Kennedy Center was closed last month amid a legal battle over whether President Donald Trump can add his name to the performing arts venue.
Rapper Rick Ross charged with battery after domestic violence accusation
Authorities say rapper Rick Ross was arrested early Thursday in Miami Beach and charged with battery related to a domestic violence accusation. Online court records show Ross, whose legal name
Certilman Balin adds attorneys, healthcare practice
Certilman Balin Adler & Hyman has expanded by adding attorneys from Cooperman Lester Miller Gruber Kraus and establishing a new healthcare practice. The practice will advise healthcare providers and organizations on legal matters, enhancing the firm's multidisciplinary services across the region.
Expected Timeline for Mental Health Coverage Rule Slips to 2027
A forthcoming proposal overhauling how the federal government regulates employers’ mental health coverage is now expected next year, according to a legal filing from the Trump administration.
Supreme Court to review key part of Trump’s immigration policy
(CNN) — The Supreme Court agreed Thursday to review President Donald Trump’s policy of imposing mandatory detention without bond hearings for people who entered the country illegally, taking up one
STATEMENT: Refugees & Legal Immigrants Lose Healthcare Coverage
Starting October 1, refugees and other immigrants who are living in the U.S. legally are no longer eligible for Medicaid or CHIP.
Gusto’s launches PEO and other compliance offerings
Small business formation is up, but the ever-evolving legal landscape makes it difficult for these companies to thrive, Gusto contends.
Dems: Blakeman Should Not Get Matching Funds - Long Island Life & Politics
By Hank Russell The New York State Democratic Committee has accused Nassau County Executive and GOP gubernatorial candidate Bruce Blakeman of illegally trying to obtain matching funds with money he raised outside the state of [...]
Naomi Campbell's 5-year ban on serving as a charity trustee in England and Wales is overturned
Supermodel Naomi Campbell has won a legal challenge to overturn a five-year ban on being a charity trustee in England and Wales | 830 WCCO
Naomi Campbell's 5-year ban on serving as a charity trustee in England and Wales is overturned
Supermodel Naomi Campbell has won a legal challenge to overturn a five-year ban on being a charity trustee in England and Wales | 104.1 FM KMOX
Naomi Campbell's 5-year ban on serving as a charity trustee in England and Wales is overturned
Supermodel Naomi Campbell has won a legal challenge to overturn a five-year ban on being a charity trustee in England and Wales.
Bass lawyers help influencers file complaint against Raman campaign
Two influencers have accused Nithya Raman's mayoral campaign of paying social media influencers who improperly disclosed the payments. The legal fees for their complaint are being covered by Mayor Karen Bass' mayoral campaign.
Georgia campaign law faces challenge from Libertarian, Green parties
Multiple judges have ruled leadership committees are likely illegal because they give an unfair advantage to some candidates. But the law is still on the books.
September Monthly Review: Health MCP Guy?
For all the time I spend talking about APIs and data exchange, this newsletter has had embarrassingly little interoperability of its own. It’s old-school SaaS, baby - UI or bust. Not all of that is my fault! Substack, for all its popularity, is (as mentioned before) really frustrating as my system of record. The primary user it optimizes towards is the reader, whose attention feeds the app, the Notes feed, and the recommendation network that Substack is actually selling. Health API Guy is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe They’re falling into the same trap that Medium once sprinted into, albeit at a much more glacial speed. Younger generations may not remember (or never knew) it, but Medium once lured publications like The Ringer and Signal v. Noise onto its platform, only to lose them as it rebuilt itself around a paywall and an algorithmic feed. Substack’s original pitch circa 2020 was the antidote (you own your list), but every new feed feature chips away at it. I get it: writers are generic supply in the eyes of the Substack product team. Generic supply follows demand, so the consistent pressure on the PMs is to generate demand, which leads to every product cycle going toward discovery (Notes, recommendations, the app, live video). The end result lackluster author tools (laggy and broken analytics are truly crippling) all despite the premium price point. The archive is where it crosses from authorial gripes to actual reader impact, though. Across Substack and LinkedIn, I’ve published 1,218 posts and nearly 900,000 words since 2018. Substack’s native search can see only the 464 posts that live on Substack, and even there it’s woefully inadequate at surfacing relevant content (even for the guy who wrote it)! Readers have the same problem, writ large. Ask the Archive Fixing search (for both my readers and my own use) turned out to be extremely non-trivial, unfortunately: There’s no public API for readers to access content RSS exists for new content notification, but it only carries the 20 most recent posts and cuts paid ones off at the preview The only Substack MCP is an admin tool for analytics The export exists for authors, but it’s painfully awkward and slow. So I built something to work around that: the Health API Guy MCP. It’s a private MCP server holding the full text of everything I’ve written across Substack and LinkedIn. Add it to Claude or ChatGPT as a connector and you can ask things like: It pairs keyword search (for acronyms and case names, of which we have many) with semantic search. Every post is also labeled by topic, form, and court case, so you can pull a lawsuit’s (or multiple cases’) entire docket across Substack and LinkedIn in one query: Hail, Healthapiguyhydra This is also a bit of me eating my own cooking. I’ve spent the year arguing that headless healthcare is arriving and that developers want primitives over abstractions. Last week in Hail, Benihydra, I watched Salesforce plug its platform into Claude and bet that the records underneath outlive whatever interface sits on top: Salesforce must believe that the Hydra’s immortal head is the records, permissions, and business logic (in that they will survive whatever happens to the interface). It felt a bit hypocritical to keep my own archive behind a Substack search bar. The archive is the body. Substack is one head, and now whatever tool you might use is another. Will the EHRs follow my lead? Probably not imminently, but one can hope! Why Founding Members Only The MCP is available to Founding Member subscribers. A few reasons: It costs money and time to run. Hosting, the database, Clerk usage and AI compute for search and labeling are significant operational costs (that increase with usage). Substack gives me no way to automate access. There’s no API to check whether someone is a paid subscriber, so every user is manual operations for now. It’s a beta. We’ll need to improve things and parts will break. I’d rather they break for a small group of dedicated readers who will tell me about it. The Founding tier deserved a real benefit. Until now it was mostly a generous tip. Now it comes with something. If you’re already a Founding Member, reply to this email with the address you’d like provisioned. If you’re not and want in, upgrade here. Larger teams (such as companies) can get access too: group subscriptions at the Founding tier come with the group discount. The admin for the subscription can reply with the list of addresses to provision. Get 20% off a group subscription Pricing Founding membership is now a flat $200 a year, replacing the old suggested $150 that readers could adjust. Existing Founding Members will have access grandfathered in at their previous rate. Month in Review Articles Published Make Networks Dumb Again (Sep 11): AI is making old analog networks cheaper to use and flooding them with machine traffic in the process. A plea for agent-native rails with the intelligence at the endpoints, and for Washington to drag them to ubiquity. Interoperability, Unbuttoned (Sep 29): Interoperability is a series of workflows in a trenchcoat, and this post finally takes the trenchcoat off. A color-coded map shows which provider workflows went digital, which are fragmented, and which still run on fax. Video Content Antitrust’s System of Record Problem (Sep 3): The FTC’s investigation into Epic prompted a ninety-minute webinar, now posted with chapters and a smoothed transcript. We get into why market definition, missing B2B share data, and the SSNIP test leave antitrust poorly suited to systems of record, plus why information blocking may be doing more than any pending lawsuit. The Information Exchange: Cerner Milking Edition (Sep 18): This was so fucking fun. Ryan Tucker, Ryan Brickner, Brad Thorson, and I try an Around the Horn format, complete with points, penalties, and a mute button. We debate whether Oracle Health is dead, who would actually buy Cerner (IBM enters the chat), p(Doom), and why the front desk still hands you a clipboard. Regulatory Ask Not What Your Network Can Do (Sep 23): CDC’s RFI on public health data intermediaries lists use cases already served, unevenly, by eCR, lab reporting, IZ Gateway, and syndromic surveillance. The real opportunity sits in one question about AI: a network that can handle the next emergency without another interface project. Court cases Particle v. Epic: The Naughty Schoolteacher (Sep 4): After a summer-long vigil, the answer on Epic’s early summary judgment bid is two paragraphs and a remedial assignment. Particle advances to the next grade, and market definition gets another year of discovery. The Epic Discovery Files (Sep 8): Texas’s motions to compel arrive with a 251-page appendix of requests, objections, and meet-and-confer letters with Cravath. Inside: Epic using generative AI for document review, denied interoperability requests in scope, and Noerr-Pennington raised against lobbying discovery. Epic v. Health Gorilla: “Working as Designed” (Sep 9): Epic wants nothing to do with the data breach MDL, and explaining why puts fresh discovery on the public docket. The spiciest allegation: Health Gorilla told GuardDog to scrub its law firm business from its website instead of cutting off access. Veeva v. Epic: Legal Bypass Surgery (Sep 15): Veeva asks the Wisconsin Supreme Court to skip the Court of Appeals, while law professors and three policy groups line up as amici. Meanwhile, Epic’s lawyers apologize for another round of citation errors, including a quote that never existed. Texas v. Epic: Behind the Black Bars (Sep 17): The court portal served up Epic’s unredacted filings, revealing a $5 million document review budget and the AI workflow behind it. Also inside: the 200-plus company names Texas wants searched, and one very expensive Zoom invitation. OpenEvidence v. Doximity: Consequences Will Follow (Sep 25): OpenEvidence tells the court it will not comply with a discovery order, and its own lawyers at Quinn Emanuel say they won’t defend the choice. Add years of Slack reported unrecoverable, and Rule 37 sanctions come into view. Health Tech Keeps Choosing Violence (Sep 28): Doximity moves to end OpenEvidence’s case, Epic asks Texas to show its work, and a sleepy Audacious Inquiry patent fight sprouts antitrust and information blocking counterclaims. The main event is a long-sealed Cognizant v. Infosys ruling that hints where system of record antitrust claims can survive. EHRs One Verb for Oracle Health (Sep 14): Oracle’s earnings call quantifies every data center to the decimal point, while Oracle Health gets a single verb: “accelerate.” Panning the few healthcare mentions turns up an agentic care management system, a research-to-care ledger play, and the question of whether healthcare gets Larry’s patience. Epic’s Forretress Under Siege (Sep 30): Judy Faulkner tells a panel Epic paused hundreds of projects to harden its software and calls it a “shame,” while a spokesperson insists the roadmap hasn’t changed. Project Glasswing, a Pokémon-branded QAN sprint, and a trove of Jodel grievances reconcile the two Epics and preview the Jevons paradox coming for all software. Industry Analysis Scanning for a Network (Sep 1): Scan.com raises $220M to build the imaging network labs never got, speedrunning Zocdoc’s consumer-to-B2B pivot. Its wedge to network density may be the most American one available: personal injury litigation. The Front Desk Wants the Damn Whole Building (Sep 16): Hello Patient buys Converse Health, pushing its AI front desk into referrals, chart work, and prior auth. The copilot categories keep blurring, and your distribution partner is still your final boss. Cross-industry Comparisons A Different Patchwork Quilt (Sep 10): Healthcare loves to envy open banking, but the US version has no mandate, a toll booth at Chase, and data quality problems of its own. The grass isn’t greener; it’s another American patchwork quilt, and perhaps a worse one. Hail, Benihydra (Sep 21): Salesforce brings its platform into Claude, Slack, and its own agent, inviting the interfaces that might replace it. Cut off one head and more grow back, so long as the records underneath stay put. Living on A Trade Secret Prayer (Sep 22): Six credit unions are suing Fiserv, the Epic of core banking, by claiming their own member records as trade secrets. Banking has no Cures Act, so its lawyers reach for legal alchemy that healthcare has already tried. Other News None this month External Media Nabla Accelerate NYC: I kicked off fall conference season at Nabla’s Accelerate event in New York, where Delphine Groll opened by asking the room to picture the company it wants to become and the one it doesn’t. I liked her framework of bureaucracy, fear, and ego as the blockers. I also love vendor conferences/events in general - different vibe than industry biggies. Healthcare 101 with Nikhil Krishnan: I briefly guest lectured Out-Of-Pocket’s Healthcare 101 class. Appreciated Nikhil’s takeaways cover whether AI doctors can query HIEs, why healthcare’s data-liberation rules beat most industries’, and the hi-res graphic is in the comments. HCN: Epic Probed by the FTC: I joined the HCN guys to talk through the FTC’s investigation into Epic. Cedric’s new hairdo was an unexpected plot twist. The episode also covers MFN drug pricing, healthcare M&A and Eli Lilly’s acquisition streak. Fall Conferences: At eHealth Exchange’s Annual Meeting in Austin on Oct 27, I’ll moderate a panel on the tensions between AI, HIEs, and timely patient access with Jean Ross (Primary Record), Therasa Bell (Kno2), Byron Crowe (Doctronic), and Michael Marchant (Freenome). Here’s the rest of my schedule if you want to meet up: CommonWell (Redwood Shores, CA): Oct 13-14 Will be participating in a fun Jeopardy event Open@Epic (Madison, WI): Oct 20-23 Will be enjoying Verona, Willy Street, and other local adventures eHealth Exchange and Sequoia Project (Austin, TX): Oct 27-29 Yeehaw HLTH (Vegas): Nov 15-18 Groundhog Day, Venetian Edition RSNA (Chicago): Nov 30-Dec 2 See me at “Governing AI in Breast Imaging: What Health Systems Are Actually Doing” Digital Health Counsel 2026 AI Summit (Seattle): December 2-3 Will likely be speaking to a bunch of lawyers about information blocking Posts I Liked ChatGPT’s Epic integration: game changer or nothing burger?: Joshua Liu, MD offers five thoughts on OpenAI’s Epic launch, starting from the point that it rides the same open APIs available to anyone. He argues read-only access leaves ordering to Art and the ambient startups, and asks why HCA is piloting it alongside Commure. He’s sorta a must-follow at this point - consistently excellent, thought-provoking takes. Epic, Lilly, and the Discovery pass: Seth Chaney reads Epic’s first major Discovery deal (with Eli Lilly), as well as its revised developer terms on commercial displays, as the pipe finally opening between EHRs and pharma. Life sciences and health continue to collide. Scott Rossignol on EHR payer platforms and ePA fees: Scott argues the top ambulatory EHR vendors are turning the prior auth mandate into a per-member-per-year toll on payers, for an API whose operating cost has nothing to do with covered lives. His fix is two lines of regulatory text: put the CRD/DTR/PAS certification criteria in the Base EHR definition, and bring payer-facing ePA connectivity under § 170.404’s cost-based fee rules. It’s a good solution. Health API Guy is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe
Tokyo court grants legal protection to human voices in AI clone case
A Tokyo court has awarded legal protection for the human voice in a landmark case involving a popular Japanese anime voice actor | KCBS All News 106.9FM and 740AM
Tokyo court grants legal protection to human voices in AI clone case
A Tokyo court has awarded legal protection for the human voice in a landmark case involving a popular Japanese anime voice actor | WBBM Newsradio 780 AM & 105.9 FM
Tokyo court grants legal protection to human voices in AI clone case
A Tokyo court has awarded legal protection for the human voice in a landmark case involving a popular Japanese anime voice actor | KNX News 1070 AM
Tokyo court grants legal protection to human voices in AI clone case
A Tokyo court has awarded legal protection for the human voice in a landmark case involving a popular Japanese anime voice actor | Talk 1370
Tokyo court grants legal protection to human voices in AI clone case
A Tokyo court has awarded legal protection for the human voice in a landmark case involving a popular Japanese anime voice actor | WWJ Newsradio 950
Man City scandal risks damage to Premier League's booming brand
The Premier League has won a lengthy legal battle with Manchester City over financial impropriety, but the consequences could leave lasting damage for a league that has long since become the envy of world football.But the damage may not be limited to City alone with an entire era of the Premier League now under a cloud.
Montgomery County DA charges 46 businesses with selling illegal THC products
Dozens of smoke shops, corner stores and gas stations ignored repeated warnings, District Attorney Kevin Steele said Thursday.
What Does Your Office Say About Your Business? by Jennifer Kraner
What does your space say about you and your business? More importantly, does it give you the best possible first impression? The minute a client, customer or patient walks through your door, they’re forming an opinion about your business – sometimes consciously, sometimes without even realizing it. Your space is communicating something about you, whether you intend it to or not. At Big Sky Design, we work with all kinds of commercial businesses, including many medical practices, law firms and other corporate offices, and I’ve seen first hand how much thoughtful design can influence that first impression. For businesses in medical, legal, and financial fields, three things are particularly important: trust, privacy and professionalism. Your space should communicate all three while also reflecting who you are as a business. That can be challenging, especially in a new construction project. Often, so much of the budget goes toward the actual construction that things like lighting, comfortable seating, artwork and finishing touches get pushed to the side. But those are often the elements that make a space feel complete – and memorable. Think about your waiting room. Is it comfortable? Is the lighting welcoming? Does the layout make sense? When someone walks through the door, do they immediately know where to go and whom to speak with? In a medical office, there’s another important consideration: privacy. Reception areas can become surprisingly noisy places, with phone calls, conversations between staff and patients, and people discussing personal information. Hard surfaces throughout a space allow sound to bounce around, making it difficult to maintain privacy. We recently worked with an eye doctor's office that had exactly this problem. The reception desk had a large opening, and staff were making and taking phone calls right next to patients who were waiting. We designed an acoustic treatment that acted as a divider between the staff and waiting areas. It absorbed sound, but it also became a branded design element. It was a visual reminder to everyone in the space to be mindful of their voices and what others might be able to hear. Those kinds of thoughtful details can make a tremendous difference. And good commercial design doesn't have to mean making your space flashy. Sometimes it’s as simple as a calming color palette, beautiful artwork, plants, carefully selected lighting or comfortable upholstered furniture. In a medical setting, those touches can help soften what might otherwise feel clinical and reduce anxiety for patients who are already nervous about an appointment. I’ve been in waiting rooms where everyone feels packed together, and you can hear every conversation – even what’s happening in the restroom next door. That’s not the experience you want to create. Your office should also feel like your business. Are you telling people that you’re clean and modern? Sophisticated and unique? Warm and welcoming? Or, unintentionally, are you telling them that your business is outdated? You don’t necessarily need a complete renovation to change that message. Fresh paint, updated lighting, new artwork, better seating or a few branded design elements can make a space feel current and intentional. At Big Sky Design, we’ve worked with radiology, dermatology, and dental practices, among many others. Every practice is different, but the goal is always the same: creating a space that reflects the business behind it and gives every person who walks through the door a positive first impression. Because your office is part of your brand. Make sure it’s telling the story you want people to hear. Read more at bigskydesignonline.com.
Illegal alien, former Utah business owner admits to laundering over $17M in drug proceeds
An illegal alien from Mexico and former Salt Lake County business owner admitted to her involvement in laundering more than $17 million in drug proceeds.Georgin
Man City guilty: Premier League rivals demanding sanctions imposed before end of season
Plus: Man City are expected to owe the Premier League tens of millions of pounds in compensation for legal costs; Rui Pinto, whose leaks of private documents helped to trigger the Premier Leagues investigation, will no longer be protected as a witness by Portuguese authorities
Former illegal bookmaker Mathew Bowyer reflects on Nevada’s Black Book and sports betting’s future
Mathew Bowyer is the former illegal bookmaker for Shohei Ohtani’s interpreter. Now out of prison, he questions his recent inclusion in Nevada’s Black Book, which bans him from casinos in the state. Bowyer told The Mob Museum that he wishes that gaming regulators would make it possible for individual bookkeepers to do business.
46 businesses accused of selling illegal THC products in Montgomery County
More than 40 businesses across Montgomery County have been charged in connection with the sale of illegal THC products, according to prosecutors.
Clio Acquires Learned Hand, Giving Its New Judiciary Business An Existing Product
Clio today announced that it has acquired Learned Hand, a startup that builds AI exclusively for judges and courts, giving the legal tech company's newly launched judiciary business an existing produc...
DOJ announces indictments of several noncitizens for illegal voting in Minnesota
Attorney General Todd Blanche said the foreigners were from Brazil, Ghana and Liberia
NC sports betting exceeds $500M for 12th consecutive month
Legal online sports betting in August was up nearly 9% over August 2025 in North Carolina.
‘You can speak the language, but can you speak the culture?’: Latine businesses offer welcoming spaces in Alamance County
From coffee, flowers and legal representation, Alamance County’s Hispanic and Latine-owned businesses provide safe spaces for Latines to feel understood and respected. According to the U.S. Census Bureau, Hispanic and Latine people make up almost 17% of the Alamance County population. However, Hispanics own just over 9% of small businesses in North Carolina, according to the U.S. Small Business Association.
Paula Patton’s Acclaimed Thriller TV Show Returns Today on Paramount+ After 5 Year Wait
Paula Patton returns to streaming today with the long-awaited second season of her legal drama. Sacrifice Season 2 premieres on Paramount+ on September 30, nearly five years after the first season pre...
Texas ag commissioner candidates trade charges that the other isn’t legally qualified to serve
The Texas Agriculture Code requires a potential agriculture commissioner to have been engaged in “the business of agriculture” for five of the past ten years.
The Legal and Policy Landscape of Crisis Pregnancy Centers
This brief examines the legal status of Crisis Pregnancy Centers, attempts to regulate them, and future efforts to expand their footprints as they gain more recognition and funding from local, state, and federal programs.
Immigrants with legal status at risk of being dropped from Medicaid
The One Big Beautiful Bill ends eligibility for refugees, asylees, trafficking victims and others, and its impact could be larger than initially predicted.
Trump’s tariffs are back in court
Here we go again: President Donald Trump’s sweeping global tariffs are back under the legal microscope.
US Poised To Boot Legal Immigrants From Medicaid, Including Refugees and Sex-Trafficking Victims
The Congressional Budget Office estimated 100,000 more immigrants will be uninsured by 2034 because of Medicaid eligibility changes under President Trump’s One Big Beautiful Bill Act that take effect Oct. 1. A KFF Health News survey of nine states found many more are at imminent risk of losing health coverage.
'Illegal activity' prompts liquor denial, tobacco hearing for Peoria business
PEORIA - A convenience store situated along Knoxville Avenue will not be allowed to sell alcohol, despite narrowly receiving site approval following weeks of debate at City Council.
Zygi Kamasa’s U.K. Film Distributor True Brit Entertainment Files for Administration Due to ‘Extremely Challenging Market Conditions’
True Brit Entertainment, the U.K. theatrical distributor that launched less than three years ago, has filed for administration, a British legal process similar to Chapter 11 bankruptcy. The company, w...
Michigan research council predicts legal challenges if money-out-of-politics campaign succeeds
The initiative would restrict political contributions by big utilities and state government contractors. But the U.S. Supreme Court has held that campaign contributions by corporations are protected speech.
Supreme Court takes up fight over Trump’s third-country illegal alien deportation policy
The Supreme Court cleared Trump's third-country deportation policy to proceed while justices prepare to hear the full legal challenge in December.
Judge orders DFA to maintain health insurance for St. Albans Creamery workers
St. Albans Creamery workers will continue to receive employer-provided health insurance while a legal battle plays out over the plant’s closure, according to a new court ruling this week.
From Windmills To Ballrooms: Trump’s ‘National Security’ Playbook
Banning journalists from the White House, justifying a triumphal arch, rejecting restrictions on artificial intelligence technology – the positions may be far afield of each other, but they have some commonalities. In addition to being publicly unpopular and legally uncertain, President Donald ...
ICE confusion ignites MAGA backlash: ‘I would have called for impeachment’
Verbal guidance telling some ICE offices to stop arresting illegal immigrants without criminal histories was rescinded within hours amid fierce backlash.
Making gene-edited babies is illegal. This startup says it may be time to reconsider
Origin Genomics aims to prove the potential benefits of its technology for editing disease-causing genes in human embryos outweigh the risks.
LDF Strongly Opposes Passage of the Protect College Sports Act, Urges House to Reject the Bill
On Sept. 28, the U.S. Senate passed the Protect College Sports Act (PCSA), an irresponsible piece of legislation that threatens the financial security and success student-athletes, including low-income Black student-athletes, have earned. The Legal Defense Fund previously issued a letter urging all members of Congress to reject the bill. Altogether, the PCSA lacks employment rights […]
AFP-MT Opposes I-194, Warns Measure Would Silence Montanans, Threaten Businesses
HELENA, MT — Americans for Prosperity-Montana (AFP-MT) today announced its opposition to I-194, a statewide ballot measure that would strip Montana small businesses, family farms and ranches, and nonprofit organizations of their right to speak up in the political process — and put their ability to legally operate in the state on the line if […]
US eDiscovery and legal data business Repario acquires ALSP UnitedLex
US eDiscovery and legal data business Repario acquires ALSP UnitedLex
The Annual Entrepreneurship Conference at Harvard Business School
Learn more about the latest updates in legal, with expert commentary and insights from trusted attorneys from Foley Hoag LLP. Foley Hoag is a professional community of highly qualified attorneys from all over the US.
Angelina Jolie, Brad Pitt's daughter Zahara legally drops dad's last name
Zahara Marley Jolie-Pitt is now legally Zahara Marley Jolie.
New PlayStation 5 Console Jailbreak Released for PS5 & PS5 Pro
A new PS5 jailbreak has dropped, which applies to both PS5 and PS5 Pro consoles and unlocks new (illegal) capabilities.
Subpoena records offer clues about federal probe of L.A. County voters
Federal investigators have sent L.A. County election officials multiple grand jury subpoenas as part of a criminal investigation into illegal voting, according to records reviewed by The Times.
After Failed Execution, Health Workers Say State’s Rules Flout Medical Ethics
The death penalty is legal in 27 states, and lethal injection is the primary method. That means involving medical professionals to store, test, and inject the drugs. After a botched execution in Tennessee, doctors and nurses there say medical professionals need to be removed from the process completely.
Trump government ads draw scrutiny weeks before midterm elections
Taxpayer-funded ads featuring Trump, including spots celebrating a "golden age of America" and one with a chorus singing "love me" on repeat, are drawing bipartisan criticism and legal questions.
Ethics Watchdogs To Investigate Whether Troubled Multnomah County Health Board Got Dubious Legal Advice
A Washington state attorney has been advising a Portland-area governance board on Oregon Public Meetings Law.
After court ruling, Ohio Gov. Mike DeWine to hold Kalshi accountable for operating illegally
Ohio Gov. Mike DeWine is promising to hold prediction market platform Kalshi accountable for skirting state gambling regulations for years after a federal court ruling.
New York, Polymarket clash over who gets to regulate prediction markets
A legal fight between New York and prediction market Polymarket is raising a larger question over the rapidly growing industry.
Palmer Luckey says AI won't make a founder's job easy
The Anduril founder said AI can automate technical work, but founders will remain on the hook for legal issues, people, and key business decisions.
Philly DEI panel endorses Parker’s contracting overhaul as Black business owners warn of consequences
Parker said new national legal precedent made the city’s practices vulnerable to court challenges. Council’s committee agreed.
LEARN Behavioral Entity Sues to Stop MassHealth Medicaid Recoupment
A Massachusetts autism therapy provider has sued 10 public officials and entities to stop a Medicaid recoupment effort that local providers have decried
LEARN Behavioral Entity Sues to Stop MassHealth Medicaid Recoupment
A Massachusetts autism therapy provider has sued 10 public officials and entities to stop a Medicaid recoupment effort that local providers have decried
CDC vaccine policy recommendations grind to a halt under Health Secretary Kennedy
Federal vaccine recommendations have stalled following Health Secretary Robert F. Kennedy Jr.'s dismissal of the advisory committee and subsequent legal challenges to his attempts to overhaul immunization policy.