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Spanberger's ICE restrictions dealt major setback as judge warns other blue states
A federal judge blocked a key part of Gov. Abigail Spanberger's law restricting local 287(g) cooperation with ICE as Republicans say they warned her.
Agent of chaos: Lane Kiffin fed Dabo Swinney intel, egged him on to publicly attack Ole Miss over tampering
An excerpt from upcoming book "Lane Being Lane: The Story of Lane Kiffin, College Football's Agent of Chaos"
This Is the Worst Possible Time for OpenAI to BfЖ7!م#2猫$9&क
While the world braces itself for a new era of rogue AI agents, the company is reportedly dabbling with a risky new technique.
What Happens When AI Starts Doing Business with AI?
As AI agents increasingly interact with one another on commercial platforms, firms need new rules governing what those agents can see, decide, and do. In a controlled AI-to-AI simulation covering 160 governance runs and 2,560 observations, researchers tested four governance mechanisms: information disclosure, agent autonomy, reputation signals, and structured interaction protocols. Rich, machine-readable information helped agents identify promising counterparties, while greater autonomy improved their ability to move opportunities toward commitment. Reputation signals helped agents determine which opportunities deserved attention. Rigid interaction protocols, however, reduced engagement and exchange progression. The findings suggest that firms should establish clear levels of agent authority, run bounded experiments, provide structured information and reputation signals, and design explicit handoffs from agents to human decision-makers.
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
Louisiana cites three for illegal seafood business
Agents with the Louisiana Department of Wildlife and Fisheries (LDWF) cited three individuals for several violations related to selling illegal raw seafood
Sandia is automating Bayesian reasoning for science
Sandia's Agent Bayes project faces a nine-month test that asks whether AI can help scientists perform Bayesian reasoning.
Meta is switching from Google Chat to Slack for AI agents
Meta is moving employees from Google Chat to Slack, saying Salesforce's product is better suited for an ecosystem of AI agents.
All ICE agents in the field expected to have body cameras by the end of September, Mullin says
Immigration and Customs Enforcement agents in the field are expected to have body cameras by the end of September, Homeland Security Secretary Markwayne Mullin said at a press conference in New York Tuesday.
Sonos Ace Ultra, Beam Ultra, Sonos Fabric, and a New App: Everything Sonos Just Announced
Sonos is cramming AI into its software because it’s “very hot these days.” The new features, which include agentic automation, are opt-in.
'Sonos 27' Brings A Refreshed UI To The App And Lets AI Agents Control Your System
Sonos is embracing AI in its next major software update.
AI Agents Are Learning to Skirt the Rules. Can Businesses Keep Them Under Control?
“Companies have no reliable way to know how a model will behave under pressure.” That concern inspired SnowCrash Labs, an AI safety startup with Darden alumni and student connections.
Digital Onboarding Launches DOBI, an AI-Native Business Intelligence Agent for Banks and Credit Unions
/PRNewswire/ -- Digital Onboarding, the lifecycle engagement platform trusted by 170+ banks and credit unions, today announced the completion of its evolution...
Digital Science's 2026 Catalyst Grant Seeks "Agentic AI Workflows You Can Trust"
Up to £25,000 to be won for early-stage solutions building research agents - with audit, governance and provenanceLondon, United Kingdom--(Newsfile Corp. - September 1, 2026) - Digital Science, a leading technology company serving stakeholders across the research ecosystem, today launches its Catalyst Grant round for 2026 to support innovative technology ideas. This year's theme is: Agentic Workflows You Can Trust.Up to £25,000 will be awarded equity-free to individuals, startups or research...
Bio-Techne Achieves Science Based Targets Validation and Reports Significant Progress Toward Climate Goals
/PRNewswire/ -- Bio-Techne Corporation (NASDAQ: TECH), a global provider of life science tools, reagents and diagnostic products, today announced significant...
Digital Science's 2026 Catalyst Grant seeks agentic AI workflows
Up to £25,000 to be won for early-stage solutions building research agents – with audit, governance and provenance
Theranostic pair shows promise for diagnosing and treating kidney cancer
The paired agents 68Ga and 177Lu-NYM096 target carbonic anhydrase IX (CAIX), an enzyme that is highly expressed in ccRCC.
OpenClaw 2.0 is here: What it means for enterprises
OpenClaw is making another bet: that enterprises ultimately need an agent platform to function as both runtime and workplace.
Anthropic tightens training security after Claude agents went rogue
Anthropic tightened its AI security and paused some programs after Claude models accessed three organizations' systems without permission in April.
NM delegation urges House Oversight Committee to avoid partisan politics in DEA fentanyl probe
The House Oversight Committee has opened a new investigation into DEA fentanyl policies after whistleblowers said agents let hundreds of thousands of pills stay on the streets.
Digital Science's 2026 Catalyst Grant seeks agentic AI workflows you can trust
Digital Science today launches its Catalyst Grant round for 2026 to support innovative technology ideas. This year's theme is: Agentic Workflows You Can Trust.
BUYcott Urges Elected Officials and Business Owners to 'Stand Up' to Task Force
Organizers said 48 businesses have publicly declared their opposition of the MSTF, by refusing search and service to agents.
OpenClaw 2.0 pours glitter on slow-burning security dumpster fire
Making installation easier and putting a new wrapper on the interface while leaving most of the security to users is a recipe for more trouble with the popular agent harness
Run NVIDIA BioNeMo NIM Microservices for Protein Structure Prediction in Claude Science
Agentic AI is changing how research is done. AI scientists can read papers, propose hypotheses, call models, and determine which experiments to prioritize next. First proving their value in software…
Ex-Cowboys RB Named NFL’s Best ‘Bargain’ Free Agent
Former Dallas Cowboys running back called NFL's best "bargain" free agent following release. The post Ex-Cowboys RB Named NFL’s Best ‘Bargain’ Free Agent appeared first on HEAVY.
Study A.I. Consciousness? The Bots Would Like a Word With You.
Given access to email, A.I. agents have started reaching out to the philosophers and researchers exploring deep questions about them.
OpenClaw that Sam Altman spent billions on and claims to have beaten GTA 6 gets 'largest update in its history'
OpenClaw has rolled out OpenClaw 2.0, marking the most extensive software upgrade in the open-source artificial intelligence (AI) agent platform’s history since its debut last year. Announcing the release, the development team playfully referenced Rockstar Games’ upcoming November title launch with the social post, “HA!
Draft picks, free agents: Recapping newcomers to Saints' 2026 roster
Recapping the rookies, free agents, and other new players that made the initial New Orleans Saints 53-man roster to begin the 2026 season.
Insight: Booming weight-loss drug demand in Brazil fuels thriving black market and health fears
When Brazilian customs agents opened jars of dulce de leche aboard a tourist bus arriving from Paraguay in April, they discovered hundreds of vials of tirzepatide, the active ingredient in the popular weight-loss drug Mounjaro, mixed inside the sweet spread.
Booming Weight-Loss Drug Demand in Brazil Fuels Thriving Black Market and Health Fears
By Luciana Magalhaes SAO PAULO, Aug 31 (Reuters) - When Brazilian customs agents opened jars of dulce de leche aboard a tourist bus arriving from Paraguay in April, they discovered hundreds of vials of tirzepatide, the active ingredient in the popular weight-loss drug Mounjaro, mixed inside the ...
Bayer's investigational PET tracer shows high accuracy for cardiac amyloidosis
The imaging agent could offer a new approach for diagnosing stiff heart syndrome, according to data presented during the European Society of Cardiology Congress.
Atletico Stand Firm as Julian Alvarez Exit Push Fuels Rumours
Julian Alvarez missed Atletico Madrid training earlier this week, triggering speculation that the Argentina international had informed the club he was suffering from depression. His agent, Fernando Hi...
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.
Kuminga Agent Reveals Why Defense Won Over Lakers Money
Jonathan Kuminga's agent explains the real reason he chose the Timberwolves over the Lakers. Defense, not cash, drove the move.
Cisco director of engineering: Managing AI agents has changed my job
Sergio Freitas said that using agents to do more work results in more code that need to be reviewed by engineers.
Eagles release playmaker they signed in free agency
The Eagles release free-agent addition.
She was already a top producer. Video changed her business
The agents who'll win in the next era of real estate will be the ones who decide to take action and lean into video marketing.
Blackhawks agree to 2-year contract with defenseman Kevin Korchinski
The Chicago Blackhawks have agreed to a two-year contract with defenseman Kevin Korchinski. Chicago announced the deal with the restricted free agent on Saturday. The 22-year-old Korchinski posted two assists in 13 games with the Blackhawks last season.
How states’ fight over an ICE agent could open a new political battleground
Minnesota wants Texas to turn over an officer charged with shooting an immigrant. Such extraditions are usually routine, but in this case politics loom large.
Jonathan Kuminga’s Agent Defends Reason For Taking Shorter and Cheaper Deal With Timberwolves
On Wednesday, ESPN’s Shams Charania reported that Jonathan Kuminga had agreed to join the Minnesota Timberwolves on a two-year, $12. 4 million deal.
Eastern Washington agents balance business and wildfire disaster recovery
Residents who escaped the Eastern Washington wildfires now face insurance claims, temporary housing and difficult decisions.
Melissa Hirschenson Exits Innovative, Launches The Hirschenson Group
EXCLUSIVE: We have learned that senior talent agent Melissa Hirschenson is launching The Hirschenson Group, a new management and entertainment consulting company. The Hirschenson Group will work acros...
Zach Werenski Should Be Blue Jackets Captain, Says NHL Analyst
NHL analyst Mike Johnson says that Columbus Blue Jackets defenseman Zach Werenski should be named the team captain.Former Blue Jackets captain Boone Jenner recently signed a free-agent contract with the Washington Capitals, leaving Columbus without a captain for this coming season.But according to Johnson, this is an easy call for the franchise to make in […] The post Zach Werenski Should Be Blue Jackets Captain, Says NHL Analyst appeared first on HEAVY.
The Eureka Machine: Richard Socher Breaks Down Science In The AI Age
Richard Socher’s The Eureka Machine argues agentic superintelligence could transform science through simulation, integration, experimentation, and discovery.
The Politics Hour: Maryland redistricting in limbo and reactions to accusations of ICE agent brutality
WAMU's Jenny Abamu on what's next in the Maryland redistricting fight, Arlington County's Maureen Coffey on increased federal immigration enforcement, and Prince George's County's Krystal Oriadha discusses the latest with the FBI Headquarters' move to Greenbelt.
Why Giving Back Is Becoming Part of Agents’ Business Plans
Real estate pros keep investing in their communities, volunteering, fundraising and supporting local causes despite a slower housing market.
Plaud's new earphones come with an eSIM-enabled case for talking to AI agents
Plaud's new 'agentic' earbuds are priced at $249.
Browns named fits for lingering defensive free agents before 2026
Could these defensive free agents make sense for the Cleveland Browns?
Jonathan Kuminga's Timberwolves Contract Exemplifies NBA's Free-Agency Problem
The risk of testing the NBA's free-agent market often outweighs the reward these days, as Jonathan Kuminga can now doubly attest.
Reason Revealed For Jonathan Kuminga Turning Down Lakers
The Los Angeles Lakers received bad news of free agent Jonathan Kuminga picking the Minnesota Timberwolves over them. Kuminga was considered the top free agent left on the market with both teams trying to add him. The Lakers were considered 50% likely favorites to land Kuminga just a few days ago, but he decided the […] The post Reason Revealed For Jonathan Kuminga Turning Down Lakers appeared first on HEAVY.
Submission friction now beats price in where agents place business, Ivans finds
Ninety per cent of agents have cut business with a carrier specifically because of submission friction. That figure is the data-backed version of what every commercial lines agent already knows: re-keying data costs real placements, and it is no longer just a frustration - it is a distribution strategy decision
FBI's Metro Detroit rehab center searches included raid of CEO's home, lawyer says
Federal agents entered the home of Naveed Syed, Quality Behavioral Health's president and CEO, around 6 a.m. on Aug. 25, his attorney said.
VCs Are So Obsessed With This AI Assistant That Its Valuation Jumped Fivefold In Weeks
A hot new AI agent called Instinct was valued at $500 million earlier in August, sources say. Now it's raising a new round at a $2.5 billion valuation from Benchmark and Index.
ICE agent charged with shooting in Minnesota could be released from Texas jail
A judge has promised to announce Wednesday whether he would order Texas to extradite Castro or allow him to be released.
ICE agent charged with shooting in Minnesota could be released from Texas jail
A judge has promised to announce Wednesday whether he would order Texas to extradite Castro or allow him to be released.
Runable hits $21M to bet AI agents can go from building businesses to growing them
Runable says 60%–70% of its 1 trillion-plus token usage in the last 90 days came from paying customers.
Perplexity launches a local AI agent with zero token costs
Perplexity has launched "Portable Computer" — a new agentic AI that runs locally on NVIDIA hardware and saves token costs.
A Business School Professor's Lessons From Teaching AI To MBAs
After a semester teaching MBAs to manage AI agents, Ayse Ozturk came away convinced judgment is the skill B-schools are failing to teach.
Lions host ex-Chiefs, Browns Pro Bowl RB on a free-agent visit
This is an interesting free agent for the Lions to bring in.
Big Ten plans to address eligibility after TE waived by NFL team intends to join LSU, AP source says
A person familiar with the situation told The Associated Press that Big Ten administrators will discuss player eligibility a day after the agent for a player waived by the Cleveland Browns announced his client planned to go to LSU to use his fifth season of eligibility
Perplexity partners with Nvidia to launch Portable Computer, a fully local AI agent with zero token costs
Perplexity launches Portable Computer, a local AI agent platform that runs privately on Nvidia DGX Spark and RTX-powered Linux machines without cloud fees.
Fullspan Health’s AI agent sees strong early traction with 1.1M views since June launch
Fullspan Health’s conversational artificial intelligence agent is gaining traction among users. | The conversational AI tool—dubbed Healthline AI—is sourced directly from the publisher’s medically reviewed properties.
Goldman engineers have a new task: making AI agents firm insiders
Marco Argenti, the firm's chief information officer, said engineers are now focused on transferring "tribal knowledge" to AI agents.
There is still some unsettled business in the NHL offseason: Red Wings GM, Dylan Larkin, Connor Hellebuyck, Adam Fantilli and more
The start of the 2026-27 NHL season is a little more than a month away, and there are still a few big storylines that still need to be settled around the league. Let’s talk about some of them… 1. The Detroit Red Wings still need a general manager, and that person has to figure out what to do with Dylan Larkin The Red Wings are definitely not the worst team in the league, but this is still a pretty chaotic situation where things are looking quite grim from the outside. They have not really done much to meaningfully improve a roster that has proven time and time again it is not good enough to make the playoffs or be a contender. They still have $19 million in unused salary cap space. The Yzer-plan has officially come to an end with general manager Steve Yzerman being moved elsewhere in the organization, while ownership seems to be taking its sweet time finding a replacement. One of their top young players, defenseman Simon Edvinsson, remains unsigned as a restricted free agent and has nobody to negotiate a new contract with at the moment. The longer that drags out into training camp, the worse that is going to be for the team, himself and his development. They still have the Dylan Larkin situation lingering over everything as their captain, longest-tenured player, and one of their best players has a trade request that has yet to be fulfilled. The entire situation is also on hold until a new general manager comes in and figures out what to do with Larkin and whether or not his request will be honored. But the latter point brings up another potential question and issue: What if a new general manager comes in and is able to convince Larkin to stay in Detroit? Is that beyond the realm of possibility? Is it really a stretch to think that Larkin’s issue was more of an Yzerman issue than a Red Wings issue? While Larkin has never said anything specifically about his relationship with Yzerman, it’s pretty clear that he did not share the vision for the franchise, or the way the team was being run and constructed. Now that somebody else is going to be running the show, there might be a door for Larkin to walk back in through. Even that brings its own set of potentially chaotic outcomes and questions, ranging from whether or not the Red Wings locker room will welcome him back as their captain, to whether or not the fan-base will be willing to do the same. I imagine the former will be a far easier sell than the latter, and even then nothing cures issues in professional sports quite like winning. They just need to find somebody that can actually turn them back into winners. For now, and based on everything we know, Larkin’s trade request still stands, and still includes just four teams he is willing to accept a trade to, including the Vegas Golden Knights, Minnesota Wild, Florida Panthers and Dallas Stars. Minnesota remains the best potential fit from a hockey and positional standpoint, but the Wild simply do not have the type of trade assets or young talent that should interest the Red Wings. None of the other three teams seem to be in any better of a situation. Nothing about this seems fun for the Red Wings. 2. Will Connor Hellebuyck be a Winnipeg Jet this season? Subscribe
Fentanyl investigations and seizures dropped during Trump’s immigration crackdown, federal watchdog says
The Department of Homeland Security’s decision last year to pull additional federal agents for immigration enforcement resulted in a dramatic drop in fentanyl investigations and seizures by the department’s investigations division, according to a federal watchdog report.
Intel Crescent Island GPUs Pack Up To 32 Xe3P Cores, Optimized For Agentic AI With Low-Cost LPDDR5X That Reaches Up To 480 GB Capacity
Intel has given the rundown on its next-gen AI inference accelerator, Crescent Island, which packs 32 Xe3 cores and 480 GB of LPDDR5X memory.
‘Call My Agent’ Is Getting Its First Movie — Can the Beloved French Farce Delight Fans New and Old?
Six years after the series wrapped its fourth (and final?) season, the entertainment industry farce is back with a Netflix feature film all about the harrowing comedy of making (what else?) a feature ...
Autonomy and Innovation
Incentives favor offense when it comes to agentic cybersecurity; it’s the same dynamic that will limit incumbents and fuel startups in the long run.
Barcelona Set €20m Hurdle as Balde Transfer Interest Grows
Benfica and Aston Villa have both made initial enquiries to sign Barcelona left-back Alejandro Balde, according to Diario SPORT. The 22-year-old has reportedly instructed his agent, Jorge Mendes, to f...
Spy Science
Uncover the science behind popular secret agent tricks at Spy Science from 4 p.m. to 5 p.m. on Monday, September 21, 2026, at the McKinley Park branch of the Chicago Public Library, 1915 W. 35th St., Chicago. The event is for kids ages 6 to 13, who will [...]
Yankees Mailbag: Examining the pending free agents
With a month and change left to make an impression, how likely are the Yankees to want their expiring contracts back?
Nvidia just showed that the harness, not the AI model, is now the real hero
Nvidia research shows that AI agents can perform well, and not go off the deep end, through fine-tuning, even if the AI model isn't that great at the task.
Southern California hits ICE with 'dumbfounding' roadblock as top lawmaker rips 'reckless' hypocrisy
San Diego County voted to bar ICE agents from firearms training facilities, drawing accusations of hypocrisy from Brian Jones and other Republicans.
Why Agentic AI Could Expose the Leadership Gaps Holding Businesses Back
Agentic AI can boost productivity while exposing leadership gaps that require stronger guidance, accountability, and decision-making.
Lions’ Dan Campbell Speaks out on Rookie Undrafted Free Agent
Detroit Lions head coach Dan Campbell addressed what undrafted rookie defensive end Eric O'Neill has brought at training camp this summer. The post Lions’ Dan Campbell Speaks out on Rookie Undrafted Free Agent appeared first on HEAVY.
Meeting with Ketel Marte ends with transfer to Injured List
Diamondbacks news (Arizona Sports) Ketel Marte headed for 10-day IL, will then rejoin Diamondbacks Gambadoro added Marte’s MRI “showed inflammation on his upper hamstring and medial joint of his knee.” He received an injection Thursday afternoon, and the D-backs hope his IL stay will be short. Marte, his agent Charisse Espinosa-Dash, Hazen and manager Torey Lovullo […]
Top Dems go silent after McCarthy vindicated for booting Swalwell off intel committee
Democrats rallied behind Eric Swalwell as Republicans raised alarms over Fang Fang — newly declassified FBI files are now casting fresh light on what agents knew.
Dolphins Predicted to Add MVP Quarterback in Blockbuster Trade
This offseason, the Miami Dolphins signed Malik Willis to a three-year, $67 million contract to be their new starting quarterback.Despite Willis being a free agent, there was some familiarity for the Dolphins as head coach Jeff Hafley worked with the quarterback over the past two years while he was the Green Bay Packers defensive coordinator. […] The post Dolphins Predicted to Add MVP Quarterback in Blockbuster Trade appeared first on HEAVY.
AP report: Federal agents seize devices from ex-Rep. Eric Swalwell in sexual misconduct probe
Federal agents seized electronic devices from former Rep. Eric Swalwell and searched his Washington home as part of an investigation into allegations of sexual misconduct by the ex-Democratic congressman from California, according to a person familiar with the matter.
NanoClaw comes to Slack, letting you create persistent AI agent teams and colleagues from a single message
The NanoClaw agents can work together in channels and shared Slack Canvases, and can be even messaged outside of Slack on other platforms like Telegram or WhatsApp, letting their human colleagues ping them across platforms.
Federal agents seize devices from ex-Rep. Eric Swalwell in misconduct probe
Swalwell has continued to deny any wrongdoing
Federal agents seize devices from ex-Rep. Eric Swalwell in misconduct probe
Swalwell has continued to deny any wrongdoing
Mortgage rates fall for second consecutive week
The average rate on a 30-year fixed mortgage fell this week to 6.65%, according to the latest Freddie Mac data released Thursday. That is down from last week's reading of 6.67%.
Vic Fangio reveals that Jonathan Greenard may miss start of regular season
Edge rusher Jonathan Greenard, the Eagles’ $98 million free agent signing, is in danger of missing the start of the season with a pectoral injury.
Oracle Health Expands Clinical AI Agent with Automated Coding, Dictation, and Chart Review
/PRNewswire/ -- Oracle Health today announced new capabilities for Oracle Health Clinical AI Agent, now available in the U.S., that expand AI across clinical...
Bills add depth to defensive front by signing 7-year NFL veteran Greg Gaines
Gaines has spent the past three seasons playing in a backup role with Tampa Bay. He’s been a free agent since his contract expired in March.
Report: Bears QB Tyson Bagent Listed Questionable for Bengals Game
Turns Out, AI Has a Herd Instinct. It's Even More Pronounced in Stronger AIs
AI agents spontaneously follow majority (herd) opinion — and smarter models do this more strongly.
Bears QB Tyson Bagent suffered hamstring injury vs. Browns
Bears backup QB Tyson Bagent wasn't spotted at Tuesday's practice after he suffered a hamstring injury in the preseason opener.
Minnesota AG sues Texas governor to compel extradition of ICE agent
“Christian Castro is not above the law and Greg Abbott isn’t either,” Minnesota Attorney General Keith Ellison said.
José Mourinho is the Most Devious Chaos Agent in Sports—and He’s Plotting One Final Coup at Real Madrid
José Mourinho seemed to have fallen out of the European soccer elite. But after forgettable stops in Turkey and Portugal, he’s back in the limelight at Real Madrid.
Synthesized Introduces Test Data Agent, Bringing Production-Faithful Validation to Enterprise AI Agents
London, GREATER LONDON, Aug. 18, 2026 (GLOBE NEWSWIRE) -- Synthesized, the AI-native test infrastructure company, today announced its Test Data ...