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Leadership transition for the HAPO Center
The contractor operating the HAPO Center has announced a leadership transition for the venue as owner Franklin County considers diverse options for the facility’s future.
Family-friendly entertainment option:Laser light show at Rondele Ranch this weekend
Rondele Ranch in Harshaw is known for its incredible venue, memorable wedding and vacation space. But they are experimenting with different forms of entertainment, including a laser light show this
Mets claim Cameron Weston, option Shawn Ross
The 26-year-old Weston was optioned to Triple-A Syracuse.
Texans may have to pinch themselves with NFL analyst's prediction
You're not dreaming. This is really an option for Houston.
Microsoft opens up Xbox Cloud Gaming with new pay-as-you-go option
Microsoft is trying once again to tempt people without an Xbox into its ecosystem.
Circular unveils Ring 3 series with contactless payments and on-finger vibration alerts
Smart ring maker Circular on Thursday unveiled its upcoming Ring 3 series, which consists of a Pro model and a Slim option. Both of the smart rings will
The weather app on your Pixel Watch is adding new watch face modules
Google’s Pixel Weather app is adding three new complications to join the Sunrise and sunset, UV Index, and Weather options.
Arsenal include recall clause in loanee’s contract
Arsenal have a recall clause for Ethan Nwaneri in January, and loan club Borussia Dortmund have no option to buy the teenager if things go well.Photo by Alex Pantling/Getty ImagesEthan Nwaneri complet...
Braves News: Ronald Acuna makes history, Blake Burkhalter optioned, more
Atlanta Braves news and notes from Wednesday
Hegseth Extends Mideast Deployments Into 2027, Escalating Strain on Troops
The move is part of an open-ended military strategy designed to give President Trump options in the Iran war.
Alienware Debuts 32″ AW3226K 4K Monitor With RGB Stripe Tandem OLED While Its 25″ AW2527HX Takes QD-OLED Refresh Rate To 560Hz
Alienware has introduced two new options within its QD-OLED Gaming lineup, the 32" AW3226K and the 25" AW2527HX monitors.
Leaked image of iPhone 18 Pro parts reveals all three new colors, and I know which one I’d pick
This is our best look yet at the new color options for the iPhone 18 Pro.
Fort Bragg Veteran celebrates expansion of high-end experiential entertainment brand
Photo provided by EscapologyAfter 15 years as an Army officer at Fort Bragg, Fayetteville resident Dan Cooke transitioned to business ownership to bring high-end experiential entertainment to North Carolina, applying strict military operational systems to scale his footprint across the state.Cooke got his start in the Army’s Boots to Business program.“Boots to Business was instrumental in preparing me to start a company. The program taught me how to develop a business plan, conduct market and financial analysis and critically evaluate whether a business concept was actually viable,” shared Cooke. “What made the program particularly valuable was that the instructors and mentors had real-world business experience…At the end of the course, I had to present and defend that plan. From there, they directed me to SCORE, where mentors helped me further refine the plan. I eventually presented it to a bank, which was impressed with the level of preparation, and I secured the financing necessary to build the business.”As Cooke neared the end of his military career, he began to wonder what would come next. Through his faith and some valuable mentors, he found the right avenue for his entrepreneurial interests.“While working on my instrument pilot rating, my flight instructor happened to tell me about escape rooms and the economics behind building them. He thought they could make for an interesting business. I took the analytical skills I had developed in the military, along with what I learned through Boots to Business, and began comparing the escape-room model against other opportunities I was considering,” explained Cooke. Cooke opened his first Escapology location in Fayetteville in 2019.“My approach was to start small and prove the model. Fayetteville made sense because I was already there, understood the market and could minimize my initial risk. It also became clear very quickly that I needed a partner that could provide the creative design, branding and industry knowledge that I did not have. After researching a number of options, Escapology became that partner,” added Cooke.Following the success of his initial venue in Fayetteville and a venue in Charlotte that opened in 2023, Cooke recently expanded into Raleigh with his third Escapology venue at Crabtree Valley Mall.His North Carolina footprint now includes:Fayetteville: A 5-room venue launched right after his Army transition in 2019.Charlotte: A 10-room venue opened in 2023, doubling his original operational footprint.Raleigh (Crabtree Valley Mall): A 6-room venue opened in May 2026, with plans to expand to 10 full rooms.Beyond his venues, Cooke expanded his local footprint by launching Jade Solutions in Aberdeen, N.C., an OEM manufacturing business that now builds prop and technical solutions for Escapology venues systemwide.Cooke shared that his long-term goal is to continue expanding Escapology in a healthy and sustainable way while enjoying the journey. “I actually did not start an entertainment business because I personally loved escape rooms. I started a business because I love the game of business itself. Growing up, I loved military simulation games and business tycoon games. I eventually had the opportunity to experience the first of those in the real world — I went to war, led troops and played my part in the military. Today, I would much rather apply that same drive to the real-world game of building businesses.I don't play business computer games anymore. I get to wake up and do it for real every day,” shared Cooke.
Options traders buy Robinhood calls as prediction markets business gains steam
CNBC's Oliver Renick reports on the latest action in options markets.
How Richmond became a hub for complex medical care
The most complicated medical cases can require more than standard care, from specialized clinical teams to research-informed treatment options.
NYC Health + Hospitals/Kings County Expands Sleep Apnea Treatment with New Hypoglossal Nerve Implant Procedure
NYC Health + Hospitals/Kings County has expanded its sleep apnea treatment options with the introduction of a new procedure, the Hypoglossal Nerve
New Business Spotlight – Canterbury House, Direct Primary Care
A unique new healthcare option is now available in Mentor. Canterbury House Direct Primary Care, founded by Dr. Sarah Watson, DO, makes medical care simple, thoughtful, and easy to access. The practice brings back relationship-centered medicine that values people and fits real life. Dr. Watson believes that
Leaked iPhone 18 Pro Parts Point to Three Color Options Excluding Black
Longtime leaker Sonny Dickson has shared an image of differently colored SIM card trays that he claims are for Apple's upcoming iPhone 18 Pro models, suggesting Apple's flagship lineup will again be available in a trio of colors: Silver, Dark Cherry, and Sky Blue. Apple currently offers the iPhone 17 Pro in Cosmic Orange, Silver, and Deep Blue.
Try some of these 17 ideas for September fun in Erie
The month of September is filled with entertainment options in Erie from shows to a gallery night and more. Here are 17 ideas to try.
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
Tearing down 2 RenCen towers is the only viable option, Bedrock says
Bedrock made its case during a Community Benefits Ordinance meeting Tuesday night in Detroit.
CBS Sports Extends English-Language Liga MX Coverage for 2026-27
If you’ve been following Liga MX in the States and wondering whether the English-language option on CBS would stick around, the answer is in. CBS Sports is continuing its coverage this season, committing to at least 40 regular-season matches plus additional playoff games from the 2026-27 schedule. Those games will air on CBS Sports Network […] The post CBS Sports Extends English-Language Liga MX Coverage for 2026-27 appeared first on HEAVY.
Latest leak claims the iPhone 18 Pro lineup will launch in these new colors
Apple will unveil the new iPhones on September 9. There have been plenty of rumors surrounding the color options for the upcoming iPhone 18 Pro series, and...
Onondaga County Legislature unanimously approves deal on term limits
The 15-0 vote means two term limit options for the county executive and comptroller could be headed to voters.
A Disney Strangle Strategy Can Profit From Big Swings By The Entertainment Stock
Disney stock is showing extremely low implied volatility. This could be the ideal time to set up a long strangle options trade.
iPhone 18 Pro Colors Apparently Include Black, But Skip Silver
iPhone 18 Pro colors could include Dark Cherry, Sky Blue, and Black, with a Silver option unlikely to make the final lineup, according to the leaker known as "Fixed Focus Digital". In a new post on Weibo, the leaker "Fixed Focus Digital" said the iPhone 18 Pro has entered full mass production and predicted a slightly different color lineup from what previous rumors have suggested, featuring Dark Cherry (also referred to as Burgundy), Sky Blue, and Black.
Sony Bravia Theater Trio review: The three-piece soundbar alternative
The Bravia Theater Trio is a capable three-piece option for larger TVs, but you’ll need additional gear for truly immersive sound and adequate bass.
Businesses Are Using AI to Transform Work, Not Cut Jobs
A look at the effects of AI adoption on workforces using the New York Fed’s business surveys in the New York and Northern New Jersey region.
Bowling and beer: entertainment venue to move into Sacramento’s Downtown Commons
Located on J Street, the entertainment place will offer a variety of other games, as well as dining and drink options.
Bowling and beer: entertainment venue to move into Sacramento’s Downtown Commons
Located on J Street, the entertainment place will offer a variety of other games, as well as dining and drink options.
OpenAI's ad business hits $1 billion annualized revenue run rate
OpenAI on Monday said ChatGPT Ads, the company's advertising business, has reached $1 billion in annualized revenue run rate, as adoption picks up and global expansion rolls out.
Global Markets and Technologies for Electronic Health Records to Reach $52.2 Billion by 2030, Driven by Rising Chronic Disease Burden and Digital Health Adoption
“The global EHR market is projected to grow from $36.5 billion in 2025 to $52.2 billion by 2030 at a 7.4% CAGR as healthcare providers accelerate cloud deployment, interoperability and AI-enabled clinical workflows.”Boston, Aug. 31, 2026 (GLOBE NEWSWIRE) -- The global market for electronic health records (EHR) is projected to expand from $34.2 billion in 2023 to $52.2 billion by 2030, at a compound annual growth rate (CAGR) of 7.4% during 2025–2030, according to the BCC Research report Global Ma
The business of beauty: GW students turn cosmetic hobbies into profits
In a city overflowing with expensive beauty service options, try booking your next refresh appointment with GW’s own student-run businesses.
What to Stream: 'Mandalorian & Grogu,' Alix Earle reality series, Ellie Goulding's 'I Know Too Much'
New streaming entertainment options are arriving this week, including “The Mandalorian & Grogu” streaming on Disney+ starting Wednesday. The film, directed by Jon Favreau, follows Din Djarin and Grogu on
Is PENN (PENN) Using Its New Orleans Rebrand To Quietly Redraw Its Capital Allocation Map?
PENN Entertainment recently announced it will invest about US$195 million to relocate its Boomtown Casino & Hotel New Orleans riverboat operations to an adjacent landside site and rebrand the property as Hollywood Casino New Orleans, pending regulatory approval, with plans including 140,000 square feet of new development, roughly 875 slot machines, 45 table games, a retail sportsbook, and multiple dining options. This move, which continues PENN’s pattern of shifting riverboat assets ashore...
USC Gets Brutally Trolled Amid NDSU’s FBS Debut
USC once had NDSU has a potential option for Week Zero, and how things turned out on Saturday was ironic in hindsight. The post USC Gets Brutally Trolled Amid NDSU’s FBS Debut appeared first on HEAVY.
4 Compact Tablets Perfect For Reading And Entertainment
Compact tablets strike the perfect balance between immersive entertainment and portability, so we've picked some great options from Apple, Lenovo, and Samsung.
The Witcher 3 Remastered Accessibility Options Include Health Regen, Auto Loot, Infinite Item Durability
And more
Liverpool forward deal now in Leeds United's hands
Liverpool are in the process of shaking up their forward options. The Reds are buying Bradley Barcola from Paris Saint-Germain for a fee that could reach £123m.At the same time talks are underway to ...
New Apple Watch Series 12 and Apple Watch Ultra 4 Features Revealed
Bloomberg's Mark Gurman today further outlined what to expect from the Apple Watch Series 12 and Apple Watch Ultra 4 set to be unveiled on September 9. While it was initially rumored that Touch ID may be coming to the Apple Watch this year, Gurman reiterated that he does not expect the Series 12 or Ultra 4 to have any major design changes compared to the current Series 11 and Ultra 3 models. Gurman does expect a ceramic case option to return for the Apple Watch Series 12.
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.
York County tax deals spark fierce debate. What will officials do to fix it?
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Xbox CEO says next-gen Project Helix will be a “family of devices,” hinting at another Xbox Series S|X-style lineup
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Patriots Cut Former Chargers RB Ahead of NFL Roster Deadline
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GTA 6 Takes Around 80 Hours To Complete, Says Developer
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Seattle Seahawks Trevon Diggs’ Role Emerges After Preseason Finale
Seattle Seahawks cornerback Trevon Diggs seemingly entered into a conversation for a starting role after his performance in Friday’s NFL Preseason Finale against the Kansas City Chiefs. Diggs signed a one-year contract for the minimum salary with the Seattle Seahawks a few weeks ago. He originally appeared as a depth option while the Seahawks await […] The post Seattle Seahawks Trevon Diggs’ Role Emerges After Preseason Finale appeared first on HEAVY.
Gamescom Says Exhibitors Have To Protect Against Theft
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Business Roundup: New stores and restaurants arrive in downtown Columbia
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Former county behavioral health director evaluating ‘legal options’ after public dismissal
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Putt Chip Chill open for business in North Little Rock
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Five Science Fiction Movies to Stream Now
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MaineHealth CEO warns of ‘huge crisis’ in healthcare
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Cloud AI Today - Cloud Gaming Thrives as 5G Fuels Traveler Entertainment
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CD Projekt Red showcases new The Witcher 3: Wild Hunt - Remastered Switch 2 gameplay and control options
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Small Business 401(k) Adoption Is Surging—Here’s What’s Driving the Boom
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Apple Event: Six New Products to Expect on September 9
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3 potential cuts could be options for Rams
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Apple Event Logo Hints at Two iPhone 18 Pro Features
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Patriots Face Fascinating Choose-Your-Own-Adventure At Running Back
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Yankees’ Option Reliever Bradley Hanner To Triple A
As a corresponding move to the Yankees activating Elmer Rodriguez ahead of tonight’s game, in which he will be the starting pitcher, the Yankees have optioned right-handed relief pitcher Bradley Hanner back to Triple-A Scranton Wilkes-Barre, reports Joel Sherman of the New York Post.Hanner is 29 years old, listed at 6’4 210 lbs. The journeyman […] The post Yankees’ Option Reliever Bradley Hanner To Triple A appeared first on HEAVY.
FDA approves once-daily pill for deadly cancer after patients' survival rates nearly double
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New youth crisis center opens in Belmont County with $5.3M state investment
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Leaker says iPhone Ultra will come in these colors, with one surprise
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What Lee Health patients with UnitedHealthcare insurance need to do before Jan. 1
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Wednesday Morning Links
Morning, all! Logan O’Hoppe was thankful to get optioned to AAA, saying it gave him a chance to reset and “find himself.” Jack Leiter has been experiencing fatigue in later innings during his rehab outings, opening the possibility that he will be used out of the bullpen when he returns to the big league club. […]
Back-to-school health checklist: What parents can do to help kids start the school year strong
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Why Falcons must make trade with Bears for Gervon Dexter
NFL teams in need of a defensive tackle have suddenly found another option after Gervon Dexter Sr. of the Chicago Bears was added to the trade block . There should be a fair share of suitors for the 24-year-old. Dexter has appeared in 49 games, starting 33 of them since his arrival to Chicago in 2023. He started all 17 games in 2025, putting up 44 […] The post Why Falcons must make trade with Bears for Gervon Dexter appeared first on ClutchPoints.
Meta trial reveals low adoption of Instagram 'Take a Break' feature
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Apple to Release 13 More New Products Later This Year
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Manchester United sign Carlos Baleba from Brighton for $88.6M
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Sam Altman: the economy is adapting to AI slower than expected
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Pre‑orders are live for the new ROG Xbox Ally X20, featuring a larger OLED display, a refreshed design, and clear advantages over the current Ally X
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How Has Guardians' Kyle Manzardo Played Since Option?
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Maryland launches court-ordered mental health care in Baltimore, some counties
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M6 iMac Coming This Year in New Colors
Apple is readying new iMac models with an upgraded chip and new color options, according to Bloomberg's Mark Gurman. Writing in his latest Power On newsletter, Gurman says the new version is likely to be an updated 24-inch model with an M6 chip, replacing the existing M4 model that arrived in October 2024. New colors are also said to be on the menu, though Gurman does not say what they are. The current iMac comes in seven colors, including green, yellow, orange, pink, purple, blue, and silver.
Report: Apple launching updated iMac with M6 chip and new colors later this year
After a two year hiatus, Apple is working on a new iMac with the M6 chipset and updated color options,...
Yankees Announce Roster Move Ahead of Cody Bellinger’s Return
The New York Yankees announced a roster move after their 4-3 loss to the Toronto Blue Jays on August 22. Utilityman Max Schuemann has been optioned to Triple-A Scranton Wilkes-Barre. Following today’s game, the Yankees optioned INF/OF Max Schuemann to Triple-A Scranton/Wilkes-Barre. — New York Yankees (@Yankees) August 22, 2026 Schuemann’s demotion paves the way […] The post Yankees Announce Roster Move Ahead of Cody Bellinger’s Return appeared first on HEAVY.
The Blood of Dawnwalker's console modes top out at 40fps, with no 60fps option at launch
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Options: Half-day vs. all-day dove hunting preference more than science
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AMD Ryzen 7 5800X3D 10th Anniversary Review
The AMD Ryzen 7 5800X3D 10th Anniversary Edition brings back the legendary CPU known for its revolutionary 3D V-Cache tech. At $340, it's a compelling option, especially if you already have an existing AM4 setup. As bonus, AMD includes a Carbice thermal pad for enhanced cooling, which we ran through 450 heat cycles to confirm performance.
Colts linebackers hit with NFL-worst verdict in 2026
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Nutrition experts think they've solved vegan cheese's biggest flaw
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From Medicare for All, to a public option, to an all-of-the-above strategy, health care emerged as a key campaign issue this week.
Harold Fannin Jr. Quietly Emerging as the top Option in Cleveland Offense
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213 Philadelphia Eagles Fantasy Football Names for the Bird Gang
Hundreds of Philadelphia Eagles fantasy football team names, sorted by player, eagle puns, Philly jokes, Super Bowl picks and work-safe options.
Plummy play will take you to 'Downton' Wilmington, plus your weekend
A comedic play makes a plummy splash at Thalian Hall, plus a look at your weekend entertainment options in Wilmington.
Kelly applauds Trump administration's announcement of $35 million in new rural health care funding for Pennsylvania
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Yankees, Dodgers Outfielder Castoff Joins Surging AL Contender
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Wolves sign Wales midfielder James on loan
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'Carrick will have variety and options'
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Stripe says the singularity is here. Here's what they told investors.
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Apple Watch Series 12 to bring back beloved design material, says leaker
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More than half of people in the Harris County Jail have mental health indicators, data shows
More than half of people in the Harris County Jail have some indication of mental health issues, according to the county's jail data. But what options are there to stop a cycle of crime and protect the public?