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Private equity and the transparency tempest in health care
Why U.S. health care needs more sources of investment, not more restrictions on private equity.
This Week in Politics: Rollbacks and Restrictions
The Trump administration made several consequential announcements this past week, from rescinding environmental protections to supposedly banning several news agencies from the White House. The United States Environmental Protection Agency (EPA), which sets national regulations to protect the environment and public health, announced on Monday, Sept. 14, that it will remove regulations on greenhouse gas...
Health Alert – U.S. Embassy Moscow, Russia (October 6, 2026)
Health Alert – U.S. Embassy Moscow, Russia (October 5, 2026) Location: Irkutsk, Russia Event: The U.S. Embassy is aware of press reports from the Irkutsk region of suspected pneumonic plague resulting in the death of an individual and of associated quarantine measures in, and closures of, hospitals in Irkutsk. We continue to track the situation closely. The U.S. government has limited ability to help U.S. citizens in Russia, especially outside of Moscow. U.S. government personnel may face additional restrictions for personal and official travel to specific regions due to health and security concerns. The State Department’s Level 4 Travel Advisory (Do Not Travel) for Russia remains in place and states U.S. citizens currently in Russia should depart immediately. U.S. citizens planning travel to Russia are again strongly advised not to travel to Russia due to risk of wrongful detention and security concerns. Actions to Take: S. citizens in the area should follow the guidance of local health authorities, avoid affected facilities, and seek medical care promptly if they develop fever or respiratory symptoms. Visit the CDC Page on Plague for additional information about the disease. Visit the CDC Travelers’ Health Page for Russia for country-specific health updates. Monitor your health for 14 days following travel if you traveled to an area experiencing the outbreak. Review the S. Embassy country page for general health information. Refer to the Embassy’s list of medical providers. Check with your travel insurance provider about medical evacuation options should you fall ill while overseas. Have a plan to depart in an emergency that does not depend on U.S. government help. Monitor local media for updates. Be prepared to adjust your plans. Enroll in the Smart Traveler Enrollment Program(STEP) to receive health and security updates. Assistance: U.S. Embassy Moscow, Russia +7 495 728-5577 MoscowACS@state.gov U.S. Embassy Moscow web page State Department – Consular Affairs (+001) 888-407-4747 or (+001) 202-501-4444 Russia Country Information Follow us on Facebook and Twitter State Department – Consular Affairs 1-888-407-4747 or 1-202-501-4444
First known AI agent breach: What happens when it starts acting independently?
OpenAI agent gained unauthorized access to Australian health portal after encountering restrictions, says Prime Minister Anthony Albanese | Anadolu
Spotify introduces QR code checks for Family plans, missing verification could mean a year-long ban
Spotify is tightening household checks for its Premium Family plan with time-sensitive QR codes, and members who miss the seven-day verification window could face a 12-month restriction on joining another Family plan.
A year after the ‘ceasefire’, Gaza’s healthcare is still collapsing
Continuing attacks, restrictions on medical aid and delayed evacuations are still killing Palestinians.
The Latest: Supreme Court rejects Trump mail ballot restrictions ahead of midterms
The Supreme Court has rejected President Donald Trump’s bid to restrict mail ballots for the midterm elections, capping a flurry of last-minute legal action with voting already underway
Supreme Court rejects Trump mail ballot restrictions for now ahead of midterms
The decision allows states to continue sending out mail ballots under the same processes they've used for years
Tennessee Democrat to propose bill to ban corporations from political spending
A Tennessee Democrat is set to push for new restrictions on corporate campaign spending, following the seminal steps of a movement to limit dark money in politics.
The Supreme Court rejects Trump's mail voting restrictions for this year's midterms
The Supreme Court has rejected the Trump administration's request to allow mail-in voting restrictions under a U.S. Postal Service plan for the midterm general election.
Trump Administration Asks Supreme Court to Allow Deportations to Third Countries
A lower federal court on Wednesday imposed restrictions on deporting migrants to countries other than their own.
Democrats say supreme court rejection of Trump mail ballot restrictions will ensure ‘safe, secure and accurate elections’
Comments come after court on Monday rejected the president’s mail ballot restrictions ahead of the November midterm elections
Medicaid cuts strip refugees and other legal immigrants of their health coverage
New restrictions took effect at the beginning of the month.
Trump's Medicaid cuts strip refugees and other legal immigrants of their health coverage
New restrictions have stripped Medicaid coverage from certain legal immigrants, including refugees and victims of human trafficking, as part of broader federal changes to the health insurance program that are expected to force millions off their coverage.
Motor racing-Singapore Grand Prix entertainment may be curbed if haze worsens, FIA says
By Xinghui Kok SINGAPORE, Oct 8 (Reuters) - There might be some restrictions on outdoor activity such as entertainment during this weekend's Singapore Grand Prix but not on the race, if the haze blanketing the country worsens, the motorsport governing...
Tennessee Democrat to propose bill to ban corporations from political spending
A Tennessee Democrat is set to push for new restrictions on corporate campaign spending, following the seminal steps of a movement to limit dark money in politics. State Sen. Charlane Oliver, a Nashville Democrat, said she plans to introduce a bill in January mirroring a move by Hawaii to ban corporations, unions and dark money […]
Supreme Court rejects Trump mail ballot restrictions ahead of midterms
The Supreme Court has rejected President Donald Trump’s bid to restrict mail ballots ahead of the midterm elections
CDFW News | Commercial and Recreational Take Restrictions in Place for Northern Anchovy in Monterey Bay Due to Public Health Hazard
State health agencies have recommended restricting the take of northern anchovy to bait use only for both the commercial and recreational fisheries in Monterey Bay after determining anchovies contain elevated levels of domoic acid.
US court upholds Pentagon’s blacklisting of Anthropic
Conflict began in February when Anthropic refused to remove restrictions on use of Claude for fully autonomous weapons.
Gering adds zoning restrictions for adult entertainment enterprises
The Gering City Council this week approved a zoning ordinance that would limit where adult entertainment businesses could operate in the community. At the start of a public hearing Monday on the…
Maine Ethics Commission takes no action in confidentiality case
The Maine Ethics Commission voted unanimously Wednesday not to take action against a Republican state lawmaker accused of violating legislative confidentiality restrictions.
Discord’s Controversial Age Checks Are Back: Here’s What the Backlash Changed
The restriction will roll out to all users from today, marking you as either a teen or an adult.
Lawmakers Demand Menhaden Cuts Before Chesapeake Bay Science Is Complete, Ignoring Already Struggling Workers
Menhaden Fisheries Coalition warns proposed restrictions could threaten hundreds of jobs held by rural Virginia's largely minority, unionized menhaden workforce
Trump government ads draw scrutiny weeks before midterm elections
Critics say the campaign may violate longstanding restrictions on government propaganda and political activity
The Republican governor candidates walking back some of their abortion stances
The candidates’ retreat suggests that, even as reproductive rights fade from the national spotlight and polls show voters are far more likely to prioritize cost-of-living concerns, the political ramifications of pushing for new abortion restrictions remain substantial.
U.S. Supreme Court sides with transgender prisoners for now
The justices denied the administration’s emergency request to enforce restrictions on gender-affirming care in federal prisons.
Supreme Court rebuffs Trump administration restrictions on medical care for transgender inmates
The Supreme Court on Wednesday refused to allow the Trump administration to immediately enforce new medical restrictions for transgender people in prison. The decision leaves in place a lower-court block on the policy.
New bag restrictions at Prudential Center anger Devils fans
All bags larger than 4″ x 6″ x 1.5″ are prohibited at the arena.
Ranking Members Markey, Velázquez, American Small Businesses Fight Back Against Trump SBA’s Discriminatory Anti-Immigrant Lending Policies
More than 120 small businesses and organizations pen letter of support for Ranking Member Markey’s resolution striking down Trump’s ban on awarding SBA loans to green card holders Letter (PDF) (Washington, September 15) – Ranking Member Edward J. Markey (D-Mass.) today garnered additional support from Main Street small businesses for his Congressional Review Act (CRA) resolution to rescind the Trump administration’s discriminatory policy that bans green card holders from accessing essential Small Business Administration (SBA) loans. In a letter of support, more than 120 American small businesses and community organizations, led by Small Business Majority, applauded Ranking Member Markey’s efforts to overturn the Trump administration’s anti-immigrant lending ban and advocated for the passage of Ranking Member Markey’s CRA resolution in the Senate. House Small Business Committee Ranking Member Nydia M. Velázquez (D-NY-7) is leading the resolution in the House of Representatives. The Trump administration’s green card holder ban is the most recent escalation of SBA’s draconian citizenship restrictions that are killing jobs and putting the American Dream further out of reach for entrepreneurs. In Fiscal Year 2025, Trump’s SBA made an estimated $5.5 billion in loans to green card holders, which supported more than 80,000 jobs nationwide. “The Trump administration’s continued attacks on American small businesses and jobs are anti-American, they’re discriminatory, and they’re dragging down our communities and our economy. Thanks to partners like Small Business Majority, countless small businesses, and community organizations, we are fighting back and holding them accountable,” said Ranking Member Markey. “I will not stop fighting to rescind this hateful policy that attacks American entrepreneurs and prevents them from pursuing the American Dream.” “Small businesses and organizations across the country are sending a clear message that the Trump administration's discriminatory lending rules are bad for business,” said Ranking Member Velázquez. “I want to thank Small Business Majority for leading this effort and amplifying the voices of the entrepreneurs who create jobs and strengthen our local economies. As Ranking Member of the House Small Business Committee, I will keep pushing to stop these attacks on the American Dream and ensure that every eligible entrepreneur can access the capital they need to succeed.” In the letter, the small businesses write, “Congress must reaffirm its commitment to serving those who are rightfully and legally entitled to accessing key government guaranteed loan programs in pursuit of the American Dream. Restoring access to responsible, government-guaranteed loans for such a critical segment of our economy will allow thousands of small businesses to access the capital they require to grow and invest in American communities. If Congress does not act to protect access to the very ideals that our country was founded upon by rewarding those who adhere strictly to legal immigration pathways, local economies, communities and Main Street will pay the price.” Ranking Member Markey’s CRA resolution follows his introduction of the Investing in the American Dream Act alongside Ranking Member Velázquez earlier this year. The Investing in the American Dream Act would roll back the SBA’s draconian lending restrictions and restore previous SBA lending policies for immigrant entrepreneurs lawfully in the U.S., including green card holders, refugees, and asylees. More than 100 organizations have called for the passage of the legislation and more than 60 Massachusetts state legislators have raised concerns about the impact of the citizenship restrictions in their local communities. Ranking Member Markey is fighting for small business owners and immigrants that rely on SBA loans to start and run their businesses, create jobs, and contribute to their communities. In July, Ranking Member Markey and Ranking Member Velázquez introduced a bicameral resolution to rescind the Trump administration’s policy that bans green card holders from accessing essential SBA loans to start and grow their businesses and invest in Main Streets nationwide. In May, Ranking Member Markey highlighted the significant contributions of immigrant entrepreneurs in Massachusetts and across the country and condemned the Trump administration’s repeated attacks on immigrant communities at a Small Business Committee hearing. MIRA’s Elizabeth Sweet, who participated in Ranking Member Markey’s listening session earlier in May, provided testimony at the hearing. Also in May, Ranking Member Markey hosted a listening session at the Urban College of Boston to hear directly from several Massachusetts immigrant small business owners, lenders, and chambers of commerce how President Trump’s cruel and callous anti-immigrant policies are hurting Main Streets in the Bay State. Earlier in May, Ranking Member Markey hosted a press conference alongside Ranking Member Velázquez, Democratic lawmakers, and stakeholders to condemn the Trump administration’s harmful anti-immigrant lending policies and to introduce the Investing in the American Dream Act. In March, Ranking Member Markey released a comprehensive report detailing the harms to small business owners, workers, and consumers caused by the Trump administration’s ICE raids in communities across the country. In February, Ranking Member Markey introduced the Small Business ICE Disruption Fund Act, which would provide grants to small businesses that have been impacted by the Trump administration’s violent immigration enforcement actions on Main Streets across the United States. Earlier in February, Ranking Member Markey, Ranking Member Velázquez, Congressional Black Caucus Chair Yvette Clarke (D-N.Y.), Congressional Hispanic Caucus Chair Adriano Espaillat (D-N.Y.), and Congressional Asian Pacific American Caucus Chair Grace Meng (D-N.Y.) sent a letter urging the SBA to rescind their lending rule change that bars legal permanent residents from receiving SBA loans. Previously, Ranking Members Markey and Velázquez released a statement condemning the actions of the SBA after it announced that small businesses with legal permanent residents will be barred from receiving SBA loans. In December 2025, Ranking Member Markey and all Democratic members of the Senate Small Business Committee sent a letter to the SBA reiterating concerns with the SBA’s citizenship requirements and highlighting a drop in SBA lending volume. In September 2025, Ranking Member Markey heard directly from SBA lenders about the issues with the citizenship verification requirements. In July 2025, Ranking Members Markey and Velázquez sent a letter to the SBA expressing serious concerns with the agency’s new, draconian citizenship verification requirements that require small businesses seeking SBA loans to be 100% owned by U.S. citizens, nationals, and legal permanent residents. ###
Supreme Court rejects Trump mail ballot restrictions for now ahead of midterms
The decision allows states to continue sending out mail ballots under the same processes they've used for years
U.S. tightens Cuba sanctions, restricts private business banking
The United States imposed new financial and travel restrictions on Cuba affecting U.S. banks and the island's access to the U.S. financial sustem.
Prescott Reminds Residents of Political Sign Rules
Prescott is reminding residents where political signs can be placed and what restrictions apply during election season. Prescott Reminds Residents of Political Sign Rules
Supreme Court OKs Use of Social Security Data to Check Voter Rolls. What It Means for the Midterms
The Supreme Court on Friday allowed the Trump administration to move forward – for now – with a system that uses federal data to help states identify people on their voter rolls who may not be eligible to vote. The emergency ruling lifts restrictions imposed by a lower court on the administration's ...
8 New Things We Learned About World Of Warcraft: Forever
No shaman tanks at launch, PvP progression, add-on restrictions, and more
Health Tech Keeps Choosing Violence
Last week was an absolute dump of health tech litigation mayhem, with enough new filings to make my wife seriously question my bedtime reading. Here’s what’s inside: OpenEvidence v. Doximity: Doximity didn’t wait for the deadline. It wants OpenEvidence’s case thrown out entirely, and its motion adds some awkward details about vanished Slack data and borrowed NPIs. Plus, Epic v. Apple offers a look at what a normal discovery fight looks like. Texas v. Epic: Epic took another shot at the State’s antitrust pleadings, asking the court to make Texas spell out how its employment restrictions harm competition and why Texas law reaches a Wisconsin company’s noncompetes. Veeva v. Epic: The two Wisconsin law professors finally weighed in on whether a would-be employer can challenge someone else’s noncompete. Audacious Inquiry v. CRISP: Our sleepy patent case just evolved into a much more interesting form, with CRISP firing back with attempted monopolization and information blocking counterclaims. Cognizant v. Infosys: After weeks of emails and phone calls, I finally have Judge Starr’s sealed ruling on Infosys’s antitrust counterclaims. Some survived, offering clues about where the Epic (and other system of record) antitrust cases stand their best chance OpenEvidence v. Doximity
Spotify is cracking down on Family plans again, and the penalty can lock you out for a year
Spotify is rolling out in-person QR-code checks for some Premium Family members, with a seven-day deadline and a 12-month restriction for those who fail verification.
Virginia Tightens Data Center Restrictions Amid Political Backlash
NEW YORK, Sept 18 (Reuters) - The U.S. state of Virginia is tightening controls on data centers, with plans that include banning non-disclosure agreements for the projects, requiring stricter permitting and imposing clean energy mandates on the server warehouses, Governor ...
Opinion: Amendment 83 isn’t just about hunting, and will handcuff wildlife science
The poorly drafted amendment would place unscientific restrictions on Colorado’s wildlife management, tying the hands of experts.
Seager’s Contract Leaves Rangers With Difficult Decision
Faced with payroll restrictions and injury concerns, the Texas Rangers must weigh moving Corey Seager against the offensive production and veteran stability he provides.
Cheesesteak Rebellion announces takeout restrictions amid surge in business
GREEN BAY, Wis. (WFRV) — A popular Star Wars-themed eatery in Green Bay is so successful that it has had to institute a new rule limiting food portions for customers. According to a social media post,...
Rubio announces new visa restrictions targeting South African officials for ‘race-based discrimination’
US Secretary of State Marco Rubio announced a new policy to restrict visas from South African officials alleged to be involved in “race-based discrimination” and “uncompensated land seizures.”
Gering adds zoning restrictions for adult entertainment enterprises
The Gering City Council this week approved a zoning ordinance that would limit where adult entertainment businesses could operate in the community. At the start of a public hearing Monday on the…
A City That Works: Chicago’s housing crisis demands more than campaign promises
Chicago's housing shortage is driving up rents. Mayoral candidates need specific plans to ease zoning restrictions, cut construction costs and build more homes.
Trump ordered DOJ not to appeal ruling that loosened limits on "gangster weapons," sources say
President Trump ordered the Justice Department not to appeal a court ruling that loosened restrictions on firearms known as "gangster weapons," sources familiar with the matter told CBS News.
Why Australia chose the world's biggest political stage to reveal OpenAI hack
Australia, which has strict social media restrictions and has proposed controls on algorithms and smart glasses, announced the breach at the UN.
Over 12 Million Latinas Harmed by Abortion Restrictions and Health Care Cuts | National Partnership for Women & Families
New analysis from the National Partnership for Women & Families and the National Latina Institute for Reproductive Justice reveals the harmful impact of abortion restrictions on Latinas four years after the Dobbs decision overturned the federal right to abortion.
Scrap exports deepen Europe's aluminum shortage
Aluminium is becoming scarcer and more expensive in Europe as growing volumes of scrap are exported abroad. Manufacturers are urging the EU to impose export restrictions.
How Americans’ Financial Health Is Faring In The “K-Shaped” Economy
Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.
Daughter calls for tighter mental health restrictions
Sapphire Greatorex's 82-year-old father was fatally stabbed in his own front garden.
Milwaukee alder says 'days are numbered' for Water Street entertainment district
Milwaukee alders voted to restore a 1 a.m. food truck curfew on Water Street after a lawsuit challenged the city's stricter 10 p.m. restriction
Sam Presti Breaks Down NBA Aprons
The Thunder GM reveals how new salary cap restrictions target high-spending dynasties while explaining why Oklahoma City might still choose an aggressive, tax-heavy path toward a title.
Henrico Planning Commission advances proposed marijuana business regulations to board of supervisors
A new package of zoning restrictions on recreational marijuana businesses will advance to the Henrico Board of Supervisors, after the Henrico Planning Commission blessed the proposal Oct. 15. Commissioners voted unanimously for approval after only a few questions and no comments from the public. Supervisors will consider the regulations during
Pearland mayor rejects NAACP boycott as political expert says he's handling council tensions smartly
Mayor Wiltz did not support a call for a boycott over his treatment but said questions need to be answered about what he says are restrictions on his authority.
Opinion: The politics of gambling
Despite the restrictions, gambling is often an issue in Utah politics
The Immigration Politics of a Felon’s Pardon
How far will New York Gov. Kathy Hochul go to keep immigrant criminals in this country? So far, she’ll even pardon a man convicted of an aggravated felony, if that’s what it takes to prevent the United States Supreme Court from setting a restrictionist precedent. Keisy Guerrero Mariano is a Dominican who spent two years
Trump Administration Restricts Drone Activity Along U.S.-Mexico Border
The new restrictions ban unauthorized drone flights within a nautical mile of the southern border, up to 400 feet in the air.
Supreme Court rejects Trump mail ballot restrictions for now ahead of midterms
The decision allows states to continue sending out mail ballots under the same processes they've used for years
Bipartisan U.S. lawmakers criticize slowing of Starlink in Ukraine
On Wednesday, Ukraine reported its drones losing speed after sudden and unannounced restrictions on its battlefield use of Starlink
Bone Health Without the Hype
I am at the Australasian Menopause Society meeting and we had a fantastic lecture on Bone Health on Day 2, called, “Everything you need to know about bones - except the boring bits!” Spoiler alert, there were no boring bits. The lecture was given by Dr. Amanda Beech, who is a senior staff specialist in Obstetric Medicine and Endocrinology at the Royal Hospital for Women, where she is director of the Bone Density Unit. I want to summarize my top 10 take-aways for you. Share Osteoporosis is a disease of low bone mass, disruption of bone microarchitecture, and fragility of the skeleton. It is a silent disease…until someone develops a fracture. The diagnosis of osteoporosis is based on either fragility/minimal trauma fractures or a T-score of less than -2.5 on a DXA (Dual-Energy X-ray Absorptiometry) or bone scan. It is important to recognize that about 50% of minimal trauma fractures occur when women have low bone mass (often referred to as osteopenia), but not osteoporosis. This tells us that bone strength is more complicated than a number on a DXA report. I am going to add a little here that wasn’t in the talk (one can only include so much in 25 minutes), as many women might read the above paragraph and think, “Shouldn’t we be treating everyone with low bone mass if this is when 50% of the fractures occur?” Many fractures happen for women with low bone mass because there are so many women with low bone mass –it is a statement about the population on a whole, not about the fracture risk of low bone mass. For you as an individual, bone density is only one component of fracture risk and many women with lower bone mass will not have a significantly elevated fracture risk. This is why individualized risk assessment matters. Subscribe We build bone in our teens and twenties, and by the time we are about thirty we have reached peak bone mass. This is why, when we discuss risk factors for osteoporosis, it is important to consider factors that might have affected us in our teens and twenties when we were actively building bone, such as nutritional restriction/energy imbalance. It is important to ask women about a history of eating disorders, and for those with such a history, getting a bone scan in perimenopause or at age 50 is likely warranted. (This image below isn’t from the talk, but is similar to one that was). Bone mass is relatively stable until about two years before the final menstrual period, and perimenopause marks a time of rapid bone loss for women. Using urinary markers of bone loss we know that the time of significantly accelerated bone loss starts about 1 year before the final period and ends about 2 years after the final period. The Study of Women’s Health Across the Nation (SWAN) shows that over the menopause transition women lose an average of 10.6% of the bone at their lumbar spine and 9.1% at the femoral neck While this wasn’t covered in the lecture, I want to add that the rapid bone loss during perimenopause is clearly related to more than estradiol, because during this time estradiol levels can be erratic and not uniformly low. Bone loss during perimenopause is likely a multi-hormone event. For example, rising FSH (follicle stimulating hormone) tracks with bone loss better than estradiol, and there is evidence that FSH may act directly on bone. While decreased estrogen matters, there is clearly more going on. FSH and bone is an active area of research. Subscribe Screening for osteoporosis was recommended fairly broadly before age 65, and was taken from the “Practitioner’s Toolkit for Managing Menopause,” from Monash University. Here is a screenshot from the toolkit that was used as a slide: I am going to add a little bit more about body weight here for clarification. Low body mass (typically 152.1 lb): 0 points (risk neutral) 60–69 kg (132.3–152.1 lb): 3 points (adds some risk)
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