SCROLL NEWS / DISCOVERY
Search headlines
Find the stories shaping the conversation.
Results for " tap " 2,004 found 🔀 AI-powered Shuffle
Judi Health Taps Color Health, WellTheory, Cylinder for Clinical Ecosystem
Judi Health expanded its healthcare network to offer specialized virtual care for cancer, autoimmune and GI conditions while helping employers reduce overall healthcare costs.
Carencro oil & gas business plans to tap into SpaceX development
An oil and gas manufacturer plans to invest $25.5 million to expand its Carencro facility and focus new production lines on aerospace and defense.
Scientists Planted 2,000 Pairs of Underwear in the Dirt. It Revealed a Lot About the Health of Our Planet.
Adding a whole new meaning to the phrase “soiled underwear.”
Scientists Just Made a Game-Changing Discovery: Diamonds Can Produce Electricity
Scientists long thought this pricey piece of carbon held no piezoelectric properties, but a new study says that isn’t the case.
How Silicon Valley used Main Street’s outrage against California privacy law
New changes to the California Internet Privacy Act promise to stop abusive wiretapping suits. They also quietly shield Big Tech from lawsuits.
How Science Journalists Are Using AI Image Tools to Create Explainer Graphics for Complex Technical Topics
A Google Quantum AI researcher recently described visuals and metaphors as essential to sharing research that often sounds
Cape Girardeau coffee shop closure highlights small business struggles
The owner of The Groundabout announced on social media Monday that all four of its shops are closing, including its cafe on Broadway in downtown Cape Girardeau. Other downtown business owners said the closure reflects a troubling trend and pointed to a lack of foot traffic in the area.
Sheffield taps longtime Detroiter to serve as new business, workforce chief
Olga Stella is the latest in a string of newly-appointed department heads aimed at fulfilling the mayor’s agenda on economic growth and revitalization.
Sony Taps Acclaimed Video Game to Be Its Next Big Movie Adaptation After Resident Evil
Sony Pictures is turning to another acclaimed game for its next major movie adaptation after Resident Evil. The entertainment company’s new project brings an award-winning indie game to the big screen...
In A Tiny Flash 5,000 Feet Underground, Scientists May Have Finally Spotted Dark Matter
Is our search for the ever-elusive substance finally at an end?
Rockstar Is Finally Ditching 'Tap X To Sprint' In GTA 6, But Not Everyone Is Happy: 'I’m Honestly A Little Disappointed'
For some players, this is good news; for others, it's the end of an era
A Staggering Fish Could Have Been Alive Before the United States Existed—and May Still Be Swimming Today, Research Suggests
The fish’s extreme lifespan could reshape how conservationists protect it.
GTA 6 will finally ditch the series' tap-to-sprint controls
With GTA 6, Rockstar is finally switching out its archaic tap-to-sprint control scheme, which has featured in all mainline Grand Theft Auto titles since GTA III.
This Little Red Dot Might Be Hiding a Black Hole From the Beginning of Time
The object is so dense that physics itself starts behaving in strange, unfamiliar ways.
Johns Hopkins Health Plans taps interim CEO as it searches for successor
Daniel Chojnowski, JHHP’s current CFO, will provide stability so that the Baltimore-area insurer can recruit full-time for its next chief executive, the company said.
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
The Grand Theft Auto run button has changed after 25 years - GTA 6 no longer requires you to tap a face button to peg it
Rockstar has decided to finally fall in line with other games regarding how you control Grand Theft Auto 6. You'll no longer need to tap a face button to run.
Tim Cook hands over reins of Apple, keeps political clout
{beacon} Technology Technology The Big Story Tim Cook hands over reins of Apple, but keeps political cloutApple’s Tim Cook handed over the reins as CEO to John Ternus on…
iPhone 18 Pro 'Surprise and Shine' Event Kicks Off Sept. 9. What We Expect to See
At the first event with John Ternus as CEO, we'll like get a foldable iPhone and new Apple Watch, but here's what's reportedly on tap for the iPhone 18 Pro lineup.
Settle In and Get Comfortable with the Designed for XBOX Cozy Collection
Made for side quests, little adventures, and everything in between, the Designed for XBOX Cozy Collection is available now, bringing warmth and whimsy to every journey. Step into a tiny, pixelated woodland where every click, key stroke, and button tap feels like discovering a new cozy corner. The 8BitDo keyboard, mouse, and controller bring a […]
Big Ideas Lab podcast takes on the science of scale-up
Rechargeable lithium batteries trace back to 1972, but they wouldn't reach consumer products until 1991. Solar photovoltaic cells existed in the 1950s, long before solar panels appeared on rooftops. And the MRI was demonstrated in the 1970s, years before the machines became hospital staples. In each case, the core scientific principles had been proven. The difficult part was scaling them into technologies people could reliably use. The average disruptive technology takes roughly 35 years to cross that divide. Lawrence Livermore National Laboratory (LLNL) scientists are trying to compress
EU chief diplomat taps ex-political, military leaders for defense group
The taskforce will focus on European defense as the bloc faces growing pressure to take more responsibility for its own security.
Tahoe TAP Podcast — The Science Behind Lake Tahoe with Dr. Stephanie Hampton – UC Davis Tahoe Environmental Research Center
Lake Tahoe is one of the most studied lakes in the world, and understanding what’s happening beneath its famously clear surface is critical to protecting its future. On this episode of Tahoe TAP, hosts Mike...
9 Cassette Tapes From The '80s Worth a Small Fortune
Check your old box of cassette tapes. Some tapes cost a few dollars in the 1980s, but are now worth a lot of cash. Here are some of the most valuable ones.
First Drive: The Bentley Continental Supersports Has Hit the Gym
It’s less powerful than its hybrid siblings, but rear-wheel drive and a diet make this the most exciting Continental so far.
Owen Thiele and Jack Innanen on their slow-burn romance in 'Adults' Season 2
The actors spoke about their characters' big moment in the Season 2 finale of the comedy, the alternate ending they taped and where their relationship might go in Season 3.
Half the World’s Population Will Be Nearsighted by 2050. Scientists Found a Life-Changing Fix.
A hidden band between violet and blue keeps animals’ eyesight perfect—but lightbulbs don’t emit it.
Mamdani Taps RXR’s Rechler for Business Advisory Council
Mayor Mamdani appointed 15 business leaders, including RXR's Scott Rechler, to a quarterly council advising on private-sector policy.
Nashville mayor proposes business grants as high costs continue to challenge city staples
Nashville's Mayor is proposing grants and incentives for small and longstanding businesses as costs continue to rise, but many opponents prefer property tax cut
Scientists Built a Molecule From Ordinary Atoms—and It Doubled Survival for a ‘Hidden’ Cancer
One giant molecule grabs the mutant proteins behind runaway tumor growth—and refuses to let go.
Nocterra Brewing closes its Powell, Columbus taprooms
One of Central Ohio’s largest craft breweries has permanently closed both of its locations.
Thousands of Ancient Human Brains Refuse to Rot—and Scientists Finally Know Their Strange Secret
The human brain sometimes avoids decay for millennia while the rest of the body turns to bones.
EA SPORTS Presents College Football 27 Ultimate Tailgate for UT students on September 10
Chris Stapleton to headline concert on the LBJ Lawn!
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.
Digital safety, mental health and communication key themes in this year's Resilient Teens summit
Resilient Communities of East Georgia (RCEG), the youth-focused organization behind teen mental health initiative Resilient Teens, hosted its third annual Resilient Teens Summit, Saturday, at the Columbia County Exhibition Center in Grovetown. The nearly eight-hour event, beginning at 9:30 a.m., drew some 200 attendees including vendors and volunteers. Like each year, the day-long series of […]
APSU’s Science on Tap to open fall season with trip to Moon
Austin Peay State University’s College of Science, Technology, Engineering and Mathematics will host its first Science on Tap of the fall semester.
Trump says U.S. has entered deal with Venezuela to take control of 65 billion barrels of oil reserves
President Trump says his administration has entered a sweeping agreement with Venezuela that could give the U.S. access to vast amounts of the South American country's untapped oil reserves, at cost.
Victory Brewing Company's taproom in Philadelphia reopens after failing health inspection
Scientists May Have Proved a Century-Old Theory That the Vacuum of Space Isn’t Really Empty
Heisenberg said extreme magnetism would make nothingness bend light. A dead star just proved he was right.
Scientists Found 6,000-Year-Old Human Remains. No Other People Share Their DNA.
If they have no ancestors or descendants, then who are they?
Jake Reiner details call from sister Romy after parents’ murders
Jake Reiner recalled the morning his parents, Rob and Michele Reiner, were discovered dead, revealing that he declined a call from sister Romy.
Trump's pick for FDA faces scrutiny after cyclospora outbreak
Heidi Overton has been tapped to lead the Food and Drug Administration. But some worry she will pick loyalty to Trump over science.
Victory Brewing taproom remains closed due to roach, mice infestations
After the city issued a cease operations order, the Logan Square drinking spot failed a follow-up health inspection Thursday.
ASCO Remembers Dr. Harold P. Freeman, Preeminent Health Equity Expert and Pioneer of Patient Navigation
ASCO joins the oncology community in mourning the death of Harold P. Freeman, MD, a world-renowned expert on and advocate for health equity and the pioneer of patient navigation services in oncology. ...
Ottawa taps 64 leading scientists and scholars to bolster Canadian research
The first group of Eddie Goldenberg Research Chairs of Canada includes researchers from 13 countries, with most leaving institutions in the U.S.
Esquire First Look: Peter Berg’s World War II Drama The Mosquito Bowl
Nicholas Galitzine, Bill Skarsgård, Ray Nicholson, and Tom Francis describe playing long-ago football stars who risked everything to serve.
Arts and entertainment events happening August 27th-29th across the Mid-Ohio Valley
Here is a look at all the arts and entertainment events happening this weekend across the Mid-Ohio Valley.
Failed health inspection forces Victory Brewing Company to temporarily close Philly taproom
Victory Brewing Company's Philadelphia taproom fails health inspection, temporary closes
Mice, roaches and mouse droppings were seen in prep, bar and storage areas at Victory Brewing Company's Philadelphia taproom.
Women’s Equality Day highlights Portland’s women-owned businesses
Women’s Equality Day on Aug. 26 spotlights the 19th Amendment and women-owned businesses powering Oregon’s economy. Women own 39% of employer firms, from Portland staples to newer community hubs like The Sports Bra.
Victory Brewing’s Parkway taproom closed after failed health inspection
The report from the Philadelphia Department of Public Health counted 26 violations, including live roaches and mice.
What do you need to know before Tapatío v Alebrijes?
Estadio Tecnológico de Oaxaca will be the stage where Tapatío will look to earn points away from home once again. Against Alebrijes, the Young Flock will have the chance to confirm its good form in ...
Climate change on tap at Siberia as part of science series
Siberia’s ‘Science Time’ series blends nightlife and discussions with scientific experts and researchers. The upcoming edition of the series will feature a lecture on hurricanes and climate change and Q&A with LSU Health New Orleans professor and former state climatologist Barry Keim.
43 Years Ago, Scientists Dropped Gophers Onto a Volcano. Today, They’re Tiny Heroes.
It started as a go-for-broke experiment, but it wound up saving an ecosystem.
Cleveland Clinic President Discusses Friday’s AI Summit for Health-Care Professionals
On August 28, Cleveland Clinic, in collaboration with the College of Healthcare Information Management Executives, will host the Second AI Summit for Health-Care Professionals at the InterContinental ...
Ridley Scott isn't thinking about legacy. He's too busy
The director of 'Alien,' 'Blade Runner,' 'Gladiator' and the new postapocalyptic 'The Dog Stars' turns his eye toward AI, global warming and kindness.
15 L.A. comics you need to know now, according to club bookers
We've tapped the expertise of some of the city's most seasoned bookers from major comedy clubs to alt shows to bring us this list of 15 up-and-coming comics to watch.
Voter discontent abounds as third parties search for recipe to tap into it
Polls suggest voters are sick of a two-party system and Minnesota has a history of third-party success. But that doesn’t necessarily mean alternative candidates will do well this November.
Parkersburg City Council: Water, business grants debated
Parkersburg City Council tackled water infrastructure and small business funding at Tuesday’s meeting.
‘The Dog Stars’ review: Ridley Scott’s postapocalyptic drama falls short
"The Dog Stars," starring Jacob Elordi, Josh Brolin and Margaret Qualley, is a modest movie limited in scope, writes our reviewer.
Johnson finds $85 million budget fix — and unloads on City Council
The mayor plans to refinance debt and tap remaining federal relief dollars to close the city’s projected 2026 shortfall, while blaming the City Council for creating the mess.
Covington taproom announces closure after less than 2 years in business
Less than two years after opening, a Northern Kentucky taproom is closing its doors.
Physicists Have Been Chasing a Mysterious Particle for 50 Years—and They May Have Just Found It
X(2370) has long been a leading candidate for a “glueball”—a hypothetical particle made almost entirely of gluons.
Fishy business: who really profits when sardines go viral?
Once a cheap store-cupboard staple, sardines are fast becoming a luxury food item. Last year, #SardineGirlSummer saw influencers promoting the health benefits of sardinemaxxing, while sardinecore became the must-have fashion trend. Now, demand is accelerating just as Morocco’s sardine stock has collapsed, causing shortages on supermarket shelves. The Guardian travels to Matosinhos in Portugal, the cultural home of the sardine industry, to investigate who is profiting from the boom, how it has affected local fishermen, and what sustainability looks like in an era of global heating
The playbook for college sports revenue is expanding from logos and fees to entertainment districts
As college sports costs soar, universities are getting creative — from jersey patches and ticket fees to entertainment districts and corporate deals — in the race for new revenue.
AMC Entertainment Spikes 7%, Cinemark Climbs 6%: Is This a Short Squeeze in Progress?
Theater stocks are surging together on a down-market Monday with no earnings, no analyst upgrades, and no press releases to explain the move. When three separate exhibitors all spike at once without a single headline, something deliberate is driving the tape.
Walter’s TWG taps Goldman lawyer Markowitz amid federal probe
The former co-head of litigation and regulatory proceedings at Goldman, Markowitz joins Mark Walter's holding company as the firm faces a U.S. Department of Justice investigation.
Baton Rouge Underground Film Festival is this weekend. Here's what festgoers can expect.
Experience "sex, lies, and videotape" on the big screen again
Erin Rae has the latest in consumer and entertainment headlines
Walmart and Sam's Club finally adds tap to pay, plus Angel Reese is making WNBA history. Keep up with Erin on V-103 weekends from 10 til 2
Scientists May Have Found the Blueprint of the Human Body at the Bottom of the Ocean
A discovery in sea anemones complicates the origin story of bilateral body plans—including ours.
Gap Inc. taps Walmart alum in ‘fashiontainment’ push
Justin Breton is joining the retailer as vice president of development and will report to entertainment chief Pam Kaufman.
Our Grandmothers Only Had 3 Products in Their Bathroom and Their Skin Was Better Than Ours, Here's What They Knew That We Forgot
You have probably spent more than you care to admit on serums, gadgets, and miracle creams that promised to change everything – only to end up back at square one. Meanwhile, the women who raised us seemed to manage effortlessly with a handful of drugstore staples and a few clever rituals they never bothered to...
Excited to Take Deep Zoom Photos With Your Foldable iPhone? Get Ready for Disappointment
Apple's rumored new flagship smartphone reportedly won't have this photography staple.
Your backyard could hold a rare earth fortune and this orange lichen is the clue
Chinese scientists discover link between lichen growth and potentially untapped rare-earth-bearing carbonates and mineral deposits.
Taxpayers donate to tax increase campaign
Give the man his due. President Donald Trump has undeniable talents. Colorado politicians are learning. Chief among The Don’s skills is taking the self-serving, ethically dubious behavior of previous politicians and putting it on steroids. Or, to borrow from the only documentary that tells the whole truth about anything, “This Is Spinal Tap,” Trump turns […]
Scientists in Iceland drilled straight into 900°C magma by accident — so energy-dense was the well that resulted, it could produce nearly ten times the power of a conventional geothermal well
An accidental breakthrough in Iceland reveals how to tap into magma itself, potentially unlocking geothermal energy at scales previously thought impossible.
Scientists in Iceland drilled straight into 900°C magma by accident — so energy-dense was the well that resulted, it could produce nearly ten times the power of a conventional geothermal well
An accidental breakthrough in Iceland reveals how to tap into magma itself, potentially unlocking geothermal energy at scales previously thought impossible.
Letter to the editor: Politics explains frequent commission speakers
Lawrence Brannen says politics is the reasons for the frequent return speakers at Richmond County Commission.
Ruskin health fair provides over 10,000 pounds of free food to residents
Around 800 people came to Southshore Community Resource Center in Ruskin to receive groceries without income restrictions. The event supplied meat, shelf-stable goods, fruits, vegetables, potatoes, rice and other food staples to local residents.
Does tapping on a soda can really stop it from exploding?
Many people tap their soda cans to prevent them from fizzing over, but does this technique actually work?
Spacetime May Be Just One Layer of the Universe—Embedded in a Deeper Reality We Don’t Understand, Physicist Suggests
This means there could be much more to the universe than we ever expected.
The Democrats’ On-Again, Off-Again Class Politics
After World War II, Dems lost touch with their New Deal roots. Now they’re coming back home.
Arts and entertainment events happening August 20th-23rd across the Mid-Ohio Valley
Here is a look at all the arts and entertainment events happening this weekend across the Mid-Ohio Valley.
Verstappen extends Red Bull deal to 2030
Four-time world champion Max Verstappen signs a contract extension with Red Bull, keeping him with the Formula One team until 2030.
Grocers tour site of future city-run store in East Harlem
Under the program, private operators of city-owned stores will get free rent and tax dollars in order to sell staples at a 30% discount.
Introducing the NFC East Mixtape Feed
A new community for Eagles fans, and the fans of their divisional rivals as well, is here at SB Nation.
Zigazoo taps entertainment veteran as CEO to lead Gen Alpha expansion
Zigazoo, creator of the world’s largest social platform for kids, has just named veteran kids‑entertainment executive Ashley Mady as its new CEO, a move the
Trump officially taps Dr. Heidi Overton, a White House health aide, to lead FDA
“Heidi Overton is a far-right, anti-abortion extremist who has no business leading the FDA,” one Democratic senator said.
Grow Your Business at TRANSform Business to Business Breakfast!
The Business to Business Networking Breakfast, Oct. 5 during APTA’s TRANSform and EXPO in Chicago, IL, provides an opportunity for APTA’s smaller business members to engage with and learn about the association’s major business partners from A&E firms, equipment OEMs, […]
Native businesses in WA navigate ‘very complex’ tax system, red tape
While Washington is home to a relatively sizable population of Native peoples, a disproportionately small slice own employer businesses.
Kristaps Porzingis Golden State Warriors 2025-26 regular season highlights
Kristaps Porzingis appeared in 15 regular season games for the Warriors following a midseason trade from the Atlanta Hawks.
Camera-Equipped AirPods Shown In Action in macOS Beta
These cameras won't be for taking photos, though.
Scientists Grew a Brain Cortex in a Lab for the First Time Ever
This new organoid will provide valuable insight into how the brain—both mouse and human—develop in the body.
Inspired Entertainment (INSE) taps Carys Damon as EVP, general counsel
General counsel shift on Sept. 7, 2026 puts Carys Damon over Inspired's legal and governance teams, as Simona Camilleri stays on garden leave to year-end.
A Freshwater Giant Living in the Great Lakes May Be Older than the United States
Decades of tagging data suggest lake sturgeon could live well past 400 years old.
How to Make Connections Uptown, From the Founder of Ms. Steph’s Science Club in Harlem
Stephanie Farmer, the founder of Ms. Steph’s Science Club and longtime Harlem resident and Columbia Community Service grantee, shares her advice for tapping into the local community for those new to the area.
What defines success at Rutgers? – fall sports edition, Part I
Back in July, we posted a story about defining success at Rutgers that focused on football. And, while football was the primary focus, there were a few comments looking at other sports. Speaking of other sports, I’m hopeful for a big rebound by WSOC this fall. —John Catapano (Space Cat) Being competitive in all sports […]
Douglas County, Colorado launches plan to cut red tape, speed up business development
Douglas County, Colorado launches plan to cut red tape, speed up business development
Douglas County leaders have launched an initiative to reduce red tape and incentivize business development in the county.