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Impact of tariffs on Walla Walla wine goes beyond U.S., Canada
Tariffs have increased manufacturing costs for Walla Walla’s wineries and cut off access to many foreign markets for local shops.
Oz joins Barr in Kentucky to discuss Medicaid reform and rural healthcare
Kentucky leaders are debating rural health funding, Medicaid reforms and how federal dollars could affect hospitals and care access statewide.
Oz joins Barr in Kentucky to discuss Medicaid reform and rural healthcare
Kentucky leaders are debating rural health funding, Medicaid reforms and how federal dollars could affect hospitals and care access statewide.
National report shows Certified Community Behavioral Health Centers reach 40% of U.S. counties
Centerstone is the largest nonprofit behavioral health care system in the United States. The National Council's report shows mental health care is more easily accessible and is resulting in
March of Dimes report gives glimpse into Arkansas maternal health
One-third of U.S. counties are maternity care deserts, leaving more than 2.4 million women of reproductive age without access to local maternity care, according to the March of Dimes' 2026 report, "Nowhere to Go: Maternity Care Deserts Across the U.S."
Community block party in North Philadelphia promotes connection, support and youth mental health
A community block party in North Philadelphia brought residents together over the holiday weekend for celebration, conversation and access to resources focused on supporting children and families.
Sprinkles by Glennique: 14-year-old Augusta entrepreneur grows business one treat at a time
AUGUSTA, Ga. (WJBF) — At just 14 years old, Glennique Humes is already running her own business. “I had my own lemonade stand and I was also selling accessories, but then I learned how to make trea…
Vernon Health announces new Soldiers Grove space to expand access to care
Sept. 5, 2026 VIROQUA, Wis. — Vernon Health announced plans to move into a new facility in Soldiers Grove, a step officials said would expand access to care for residents of Soldiers Grove and surrounding communities. The move continued Vernon Health’s commitment to providing care closer to where patients live. Officials said the new location […]
CVS Health (CVS) Makes Updated 2026 2027 COVID 19 Vaccines Available Nationwide
CVS Health (NYSE:CVS) announced that updated 2026-2027 COVID-19 vaccines are now available at CVS Pharmacy and MinuteClinic locations across the United States. The company is offering the new vaccines nationwide, with appointments and walk-in options across its retail and clinic network. CVS Health is integrating COVID-19 shots with other vaccinations, aiming to streamline access to multiple immunizations in a single visit. This kind of broad vaccine rollout highlights how large pharmacy...
Business owners seek more Daytona Beach access during Labor Day restrictions
Volusia County is working with the Sheriff’s Office to block about 125 on-beach parking spaces during the Labor Day weekend.
Low-income patients at UCLA Health scramble to find new doctors as contract ends
Thousands of low-income patients, some desperately ill, are scrambling to find new doctors as they lose access to UCLA Health physicians after an eight-year Medi-Cal contract was not renewed.
Hiniker Parkway reconstruction complete; ready to aid Highway 169 business access
Reconstruction work on the new Hiniker Parkway in Mankato is now complete, providing a crucial alternative route to local businesses ahead of next year’s major Highway 169 reconstruction project.
AI-generated ads have come to Oakland politics. Accessible solution
Slowly but surely, more campaigns are using videos and songs made with artificial intelligence. We asked local candidates and experts about the implications.
Pentagon agreement with NIH on biodefense draws alarm from Democrats
The deal is being criticized by Democrats who warn it could allow the Defense Department to go around Congress and gain access to billions of dollars meant for infectious disease research.
Gubernatorial candidates present drastically different plans to improve healthcare costs, access
Maine’s three gubernatorial candidates agree on health care struggles but propose vastly different solutions for improving access and costs.
New Supreme Court ruling helps GOP buy cheaper TV ads for critical midterms
The Supreme Court allowed political parties to access discounted advertising rates, potentially aiding GOP candidates in the midterm elections.
Michigan House candidate Katrina Manetta talks about healthcare access and affordability
Manetta is challenging Republican state Rep. Ron Robinson in the 58th District in the Nov. 3 election.
St. Mary’s County Gets $3.5M To Expand Health Care Access
St. Mary’s County received more than $3.5 million to launch St. Mary’s 360, connecting residents with medical care, behavioral health, telehealth and other services.
For St. Paul’s most vulnerable patients, the distance to healthcare is growing
St. Paul patients finally found accessible healthcare. Then the clinic closed.
Start Your EA SPORTS NHL 27 Season Now With EA Play
Get a taste of life on the ice with the EA Play 10-hour early access trial of EA Sports NHL 27, available now.
Halloween: The Game Launches In 'Advance Access' Today, And Here's What The Reviews Are Saying
Ahead of the full release on September 8th
How AI can improve patient access – beyond simply filling the next open slot
More precise navigation can improve provider matching, shorten time to intervention and help health systems measure whether digital access actually works.
BenQ Unveils New Visual Innovations for Work and Entertainment at IFA 2026
BenQ, the world's leading provider of technology products and solutions, joins IFA Berlin with its latest innovations across lighting, projection, monitors and desktop accessories. Bringing together intelligent technologies and human-centered design, the new solutions are created for the way people work, create and enjoy entertainment today.
Cencora Launches Cell and Gene Therapy Enablement for Health Systems
COR launches CGT Enablement to help health systems build and scale cell and gene therapy programs with financial, operational and access support.
St. Ambrose health clinic seeks patients for no-cost rehabilitation services
St. Ambrose University’s Interprofessional Health Clinic is putting out the call for patients throughout the Quad Cities who need neurological rehabilitation services but face barriers to accessing traditional care. As of Tuesday, Sept. 1, the SAU student-led clinic began providing the free rehabilitation services on Tuesday evenings at the St. Ambrose University Center for Health […]
‘Distressing’: East Texas Residents Struggle to Find Mental Health Services
Survey finds costs, access and timely treatment are putting people at risk.
Sony's PlayStation disc plant is losing 10 percent of its volume in 2028, not 90
Sony’s PlayStation disc plant is losing 10 percent of its volume in 2028, not 90 Sony won’t license disc pressing to anyone else, Microsoft does, and a former PlayStation boss thinks that’s the whole problem. When Sony DADC chief Dietmar Tanzer spoke with an Austrian broadcaster in July about PlayStation disc production at the Thalgau plant, a number of press outlets misunderstood the report, writing that production would fall to a tenth of current levels. It won’t. Sony DADC confirmed to Game this week that the figure is a 10 percent decline, not a decline to 10 percent. “To clarify and avoid any misleading information: in that statement Dietmar anticipated an overall product volume decline by 10 percent, not a decline down to 10 percent,” a spokesperson with Sony DADC told Game. That figure covers 2028. Tanzer didn’t put a number on the years after, and the spokesperson declined to comment further. What we do know is that on July 1, PlayStation announced that physical game disc production for all new games releasing on PlayStation consoles will be discontinued starting January 2028 and that the transition has no impact on games that have already released in disc format or will be releasing in disc format prior to that month. “So, there will be reorders going to the market after January 2028,” the Sony DADC spokesperson said. “For details around that I would ask you to liaise with the PR team from PlayStation, as we can’t speak or comment on their behalf.” PlayStation officials did not respond to questions about reorders or other disc-related matters. But I did recently speak with Shawn Layden, Game Industry Strategic Advisor and former chairman of SIE Worldwide Studios, who called a future without physical PlayStation discs “depressing, but solvable.” then added, “I think.” The chief hurdle to third-party manufacturing of collector’s editions or any other version of a PlayStation game disc is that Sony owns the proprietary process to press those discs, Layden said. “And unless they decide or determine a way to license that to some of these bespoke disc manufacturers, there’s no way to make it happen,” he said. Layden was careful to add that he understands the concept but doesn’t have “line of sight on the particulars.” “Depressing but solvable, I think.” — Shawn Layden Microsoft already licenses replication to outside plants. Xbox discs are pressed by manufacturers Microsoft certifies as Authorized Replicators, a term defined in its publisher agreements, with the approved list set at the company’s sole discretion and Microsoft retaining the right to halt manufacture. The structure is still in place today: publishers select an Authorized Replicator in Partner Center and submit a bill of materials created with a Microsoft representative. Sony, by contrast, presses PlayStation discs through Sony DADC, its own manufacturing subsidiary. No one I spoke with said they were in discussions with Sony about doing that, and PlayStation hasn’t responded to questions about whether it would be open to a licensing deal. There is an obvious reason Sony might not want to. Niko Partners analyst Daniel Ahmad pointed it out on the day of the announcement: it’s a platform-led decision, he wrote, designed to cut costs, eliminate the resale market, and drive all revenue through the PlayStation Store. The math is not subtle. On a $70 third-party game sold through the PlayStation Store, Sony keeps $21. Sold at retail, Ahmad says, it earns about half that. Licensing disc replication to an outside manufacturer might not be worth it. And even if it were, it seems unlikely that such a deal would come from boutique companies like iam8bit, which sells collector’s editions of video games. “We would absolutely love to find a way forward to continue making physical PlayStation games,” said Jon Gibson, co-owner and co-creative director of the company. “We are big believers in giving humans the option to truly own media. If we can play a role in helping make that a reality for the future of PlayStation games, count iam8bit in!” If it were to happen, it would most likely be with a company like Conectiv Supply Chain Solutions, a Memphis-based manufacturer of optical discs and vinyl records that also runs third-party logistics, fulfillment and distribution for packaged media. The company, which was formed in 2025 when Los Angeles private equity firm Variant Equity Advisors purchased Vantiva’s Supply Chain Solutions division, traces its lineage back to Technicolor. When it sold the division, Vantiva described the business as having served video game creators for more than 25 years. Conectiv is also buying, not shrinking. Last month it acquired SDS, the distributor for Universal and Warner Bros. home entertainment, consolidating those studios’ packaged-media pipeline from pressing plant to retail shelf. I reached out to Conectiv and its CEO, but haven’t heard back. Layden pointed to music and books in our discussion about the ongoing value of physical media. “No one ever saw the comeback of cassette tape,” he said. “And vinyl didn’t so much come back. The flame went down, the fire’s dying, but the ember was always there, and it just kind of came back. Much like the book business. We thought we’d all be on Kindles right now. “I believe that physical media is crucial and important. One of the things that makes us gamers, one of the core game mechanics, going back to the beginning of time, is collecting stuff. “Did you get all the diamonds in Crash Bandicoot? Did you get all the stars in Mario? And we like to collect our games. And we have a game shelf. And we put all our boxes up there. And if you’re super hardcore, when you buy a game, you buy two copies, right? One stays in the shrink wrap, and you play the other one. What happens to that important cultural part of the gaming world? You know, we buy the steelbook and the three-disc Final Fantasy set and the figurine and, you know, you can’t download any of that. “What happens to that?” And Layden believes it shouldn’t have been a revenue question for PlayStation. “This was a core thing to the experience of our most devoted fans,” he said. “Yeah, it’s fan service. Why would we take that away? Well, we can’t afford to. It’s already 120 bucks, you know, limited edition special purchase onyx box version of whatever, and those sell at a higher rate than the box selling at $69.99 does. So yeah, the market has said they will continue to buy them. You’re just saying you just don’t want to make them anymore.” Layden said he was recently talking with someone about these sorts of business decisions and how they’re made. Too often, he said, it’s all about the financials and nothing else. “OK, we can do this and save this much money, or we can invest this to look at that outcome, or we can do this and have this happen over there, or move this team to Sri Lanka,” he said. “But each one of those, someone also has to have a ledger there saying, ‘OK, what is the brand impact from that move?’ “Iif you can’t resell it, do you really own it?” — Shawn Layden “If we do that, dollars and cents work out. I get it. That’s just math. But what’s the brand impact? Are people going to say, ‘Good move, you guys?’ Or are they going to say, ‘We hate you guys. Quit doing that.’ And sometimes they say, ‘We hate you.’ Then you take a note and say, OK, how much of that can we live with? How much ‘we hate you’ is OK. And when does it go over the line? “I see a lot of companies making decisions which, objectively speaking, I don’t know what the dollar end of that was for you, Mr. Company, but your brand value just dropped 30 percent. So I hope it was worth it.” Of course, shifting to a digital-only model for games raises other issues beyond simply wanting to collect. The biggest is ownership. Layden pointed out that once you go to a streaming-only or download-only model, it’s just a digital footprint on a hard drive. “What does ownership mean anymore?” he said. “It’s a genuine question. Well, in fact, it’s not even a question anymore. It’s like you are shifting the model from ownership to accessibility. “And what’s always been true, which people forget, is you’ve never been able to sell your iTunes library. And you can’t sell your PlayStation download library. So if you can’t resell it, do you really own it?” The touching tribute found in the credits for Star Wars Zero Company. Resonance: A Plague Tale Legacy Interview and Hands-On with a Minoan Masterpiece Star Wars Zero Company hands-on: Attack Astromechs, permadeath, and delightfully fatal Rube Goldberg tactics Control Resonant opens up as you get stronger — and as characters start trusting you
New LEAD model builds on REACH, offers role for home health agencies
As healthcare providers, including home health agencies, gear up for the start of the Long-term Enhanced ACO Design (LEAD) model on Jan. 1, they take comfort that the new model will continue the work of the soon-to-be-completed model, Accountable Care Organization Realizing Equity, Access, and Community Health (ACO REACH), in serving high-needs patients with complex needs.
Maxwell: Remember the Florida politicians who cast cruel votes against heat safety
Maxwell: Two years ago, Florida lawmakers voted to ban counties from giving outdoor workers basic heat-safety protections, like guaranteed access to water and shade. You should remember who they are and how they voted.
China rare earth firms halt some US shipments over geopolitical worries, sources say
Some Chinese rare earth suppliers are declining to ship to the U.S. for fear of repercussions from Beijing, three sources said, underscoring how access to the materials remains an issue for the U.S. weeks before President Xi Jinping visits Washington.
Iowa mom shares postpartum journey as state expands perinatal mental health care
A mother from Iowa recounts her experience with postpartum psychosis, as the state is investing federal funding to improve access to perinatal mental health resources.
Iowa mom shares postpartum journey as state expands perinatal mental health care
A mother from Iowa recounts her experience with postpartum psychosis, as the state is investing federal funding to improve access to perinatal mental health resources.
Ugreen’s ‘HomeAgent’ is a local AI smart home ecosystem for its new line of cameras, more
Ugreen might be most well-known for its chargers and device accessories, but its recent announcement might push it deeper into...
A judge expanded abortion access in Idaho last month. Another court paused his decision
Idaho Attorney General Raúl Labrador said the ruling “means unborn children and their mothers in our state are protected under Idaho law.”
Maine Health Care Leaders Celebrate Governor Mills as "Health Care Hero"
Augusta, MAINE – Today, health care leaders from across Maine celebrated Governor Janet Mills as a “Health Care Hero” in recognition of her successful work as Governor to expand access to high-quality, affordable health coverage throughout her time as Governor.
Abliteration.ai is making a business out of removing AI guardrails
Abliteration.AI is making powerful AI models without guardrails easier to access, arguing that giving defenders the same tools as bad actors could ultimately improve cybersecurity.
Smart Glasses, Smarter Small Businesses: AI Wearables Are Becoming an Entrepreneurial Tool - Small Business & Entrepreneurship Council
By Karen Kerrigan – For entrepreneurs and small businesses, valuable technologies eliminate friction. Various digital tools are helping small businesses eliminate steps, and accomplish a task or project more efficiently, in less time, and at lower cost. AI-powered smart glasses are helping small business owners eliminate operational downtime, automate content creation, and improve workplace accessibility, […]
Behavioral Health Risks and State Strategies Related to Increasingly Potent and Accessible Psychoactive Products
On August 26, 2026, the NGA Health team convened state and territory health policy advisors to discuss how they are addressing the rapidly evolving market for psychoactive substances. The call featured Dr. Lynn Silver, Program Director at the Public Health Institute, to share her expertise on trends in cannabis potency, behavioral health considerations in relation […]
Microsoft slashes Xbox Cloud Gaming to just 15 hours a month for Ultimate subscribers
The new cloud gaming hourly restrictions come nearly a year after all Game Pass subscribers got cloud access.
University Counseling Center partners with Mantra Health to expand virtual mental health support
For the first time, students residing outside Utah can access virtual therapy at no cost through the university.
Voyages of Discovery: 20 years exploring the arts and sciences
ECU’s Voyages of Discovery series provides the community with access to impactful innovators and prominent leaders in the arts and sciences.
GoodRx offers health subscription for families, to launch as employee benefit in 2027
GoodRx, a prescription drug savings site, announced on Thursday a family healthcare subscription for access to common medical services and over 250 medications, and it plans to launch the program as part of employer health benefits in 2027.
LW Entertainment Expands 'Phantom of the Opera' Licensing Program
LW Entertainment announces new global and regional licensing partners across fashion, accessories, stationery and collectibles.
Sports betting isn't legal in Texas. So why is DraftKings available?
Texans have access to some DraftKings products even though traditional sports betting remains prohibited in the state.
Domestic Bond Investors Can be a Powerful Constraint on Far-Right Populists
The rise of the far right has been a defining feature of political systems in developed democracies over the past two decades. In recent research, Alison Johnston and Juliet Johnson demonstrate that domestic bond investors have become an important constraint on populist governments and their access to capital.
ChatGPT for Healthcare unveils Epic integration as part of data consolidation strategy
In addition to providing Epic users with access to the popular LLM, OpenAI said all clinicians that use its platform will be able to access public databases, including ClinicalTrials.gov and PubMed, with the proper plug-ins in place.
Hundreds of firms apply for new website to study Russian weapons
Ukraine said over 430 firms have applied for access to TrophyLab, its new catalog of over 115 Russian weapons that also offers physical samples.
Senator Kim Visits Warren County to Talk Healthcare and Jobs
Yesterday, Senator Andy Kim (D-NJ) visited Warren County with focused visits on expanding affordable healthcare and improving New Jersey’s workforce development pipeline as part of his Einstein Corridor initiative. “I leave these visits inspired by the dedication I witnessed from those in Warren County who are training NJ’s next generation of workers and pushing to ensure access to quality healthcare in some of our most rural communities,” said Senator Kim. “There is so much unique potential in each corner of our state – I’m excited to bring the ideas discussed with[...]
Shane Strum appointed permanent CEO of Memorial Healthcare System in Broward
Under Strum, Broward Health and Memorial are aggressively expanding into areas where residents don’t have nearby access to care.
Waymo expands driverless robotaxi service to 3 major US cities
Alphabet-owned Waymo has opened public robotaxi access in Denver, San Diego and Tampa, bringing its fully autonomous ride-hailing service to 14 cities.
Why health equity is now a business imperative in cardiology
For health systems under value-based care payment initiatives, there a direct financial incentive to invest in programs that improve access and outcomes among underserved populations. Cardiologist Dipti Itchhaporia, MD, shared her thoughts on this important topic.
Sutter Investment Helps API Families Access Health Services
Chronic conditions such as hepatitis B, diabetes and hypertension continue to affect many Chinese, Asian and Pacific Islander communities across San Francisco. Yet language, cultural and financial barriers can make it harder for people to access preventive care, find available resources and stay on top of their health. APA Family Support Services (APAFSS) is working […]
What two critical access hospitals learned about EHR optimization after go-live
Healthcare organizations commit significant resources to EHR implementation, then find they cannot sustain improvement once the project team disbands. The
Milwaukee residents invited to forum on food, health care access
Milwaukee residents can discuss food and healthcare access challenges at a free community forum on Sept. 26.
This New Nature-Inspired Collection of Gaming Accessories Is Perfect for Cozy Gamers on PC or Xbox
Xbox has revealed a spread of officially-licensed "cozy" accessories made in collaboration with 8BitDo, SteelSeries, and KontrolFreek.
Pat Murphy Launches Post Script, A new Artist-Focused Entertainment Company
TORONTO (CelebrityAccess) - Canadian entertainment executive Pat Murphy has announced the launch of Post Script, a new independent entertainment company built around artist management, recorded music, media and intellectual property. The launch follows Murphy’s departure from
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
Adobe is making its tools available in Slack
Users will be able to access Express, Premiere, and Acrobat in Slack
ATLAS publishes first paper on Public Engagement with Science
You can’t exactly take the ATLAS experiment on tour. At 7,000 tonnes and buried 100 metres underground at CERN, it’s not easy to move. So, for more than a decade, the ATLAS Collaboration has found another way to bring the experiment to people around the world: live, interactive virtual visits with the scientists who work on it. In a recent paper published in the European Physical Journal Plus, the ATLAS Collaboration documents the evolution and impact of its flagship Virtual Visits programme. The paper is the Collaboration’s first publication focused specifically on science education, communication and outreach. It traces the programme from its beginnings as an experimental outreach effort in 2010 through its growth into a global programme – connecting classrooms in the Amazon, schools in the Himalayas and even a research station in Antarctica. Drawing on data collected between 2019 and 2025, the paper examines the programme’s reach and impact. Global reach, local connection Figure 1: World map showing the number of virtual visits across participating countries from 2019 to 2025. Cooler colours (purple and blue) are used for countries with fewer visits, and warmer colours (red and orange) for countries with more visits. (Image: ATLAS Collaboration/CERN) The core mission of the ATLAS Virtual Visit programme is to connect audiences worldwide with particle physicists and engage them in accessible discussions about cutting-edge research. While visiting CERN in person is an unforgettable experience, financial and logistical barriers can make such a trip difficult for many students and public groups. Video conferencing has allowed the Collaboration to break down these barriers: between 2019 and 2025, the Collaboration hosted 698 virtual visits, engaging tens of thousands of participants across nearly 70 countries (see Figure 1). Interactivity is central to the programme. Far from simple one-way broadcasts, Virtual Visit audience members are encouraged to engage in conversation with the scientist(s) hosting the visit. Most hosts are volunteers from the ATLAS Collaboration, who bring their diverse scientific expertise, language skills and cultural backgrounds to each visit. Where possible, audiences are paired with volunteer scientists who share their native language and cultural background, making it easier to engage, ask questions and connect with the hosts. Between 2019 and 2025, Virtual Visits were held in 19 different languages. The core mission of the ATLAS Virtual Visit programme is to connect audiences worldwide with particle physicists and engage them in accessible discussions about cutting-edge research. Constant evolution Figure 2: The number of ATLAS Virtual Visits organised annually since 2019. (Image: ATLAS Collaboration/CERN) The ATLAS Virtual Visit programme has continuously evolved to enhance the visitor experience. Early sessions were hosted directly from the ATLAS Control Room before transitioning in 2014 to a dedicated space in the ATLAS Visitor Centre, equipped with modern videoconferencing technology. In 2019, the ATLAS Collaboration expanded the programme’s reach, introducing live Virtual Visits from the experimental cavern during year-end maintenance stops and long LHC shutdowns. These exclusive sessions take participants beyond the ATLAS visitor platform, offering real-time, up-close views of the towering detector. When the COVID-19 pandemic disrupted in-person gatherings worldwide, demand for virtual engagement surged. The ATLAS Collaboration adapted rapidly by introducing Open Virtual Visits streamed via Zoom and YouTube, allowing individual science enthusiasts and families to join live guided tours. Figure 2 shows that the programme reached a peak of 155 visits in 2021 and has since maintained around 100 visits per year, demonstrating sustained engagement beyond the pandemic-driven increase. More than just a tour Beyond participation numbers, the paper highlights the positive impact on participants and educators. Teachers report successfully integrating Virtual Visits into their physics curricula, sparking sustained curiosity and in many cases inspiring students to pursue STEM studies and careers. Feedback received also highlighted how the direct dialogue with ATLAS scientists has given students an authentic and personal perspective on particle physics, helping them connect what they learn in the classroom with the people behind ATLAS research. Looking ahead, the programme will continue to evolve with new technologies and communication platforms. The goal is simple: to give even more audiences the opportunity to engage directly with particle physics and make fundamental science open to all. Learn more Breaking barriers: the impact of ATLAS Virtual Visits in science communication (Eur. Phys. J. Plus 141, 874 (2026), arXiv:2601.22457, see figures) ATLAS Virtual Visit Dashboard Register for an ATLAS Virtual Visit
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
Yacht entrepreneur meets demand for high-end water access
After building a charter business, Brian Crotty has founded two additional boating companies and acquired a sailing and boating school out of bankruptcy.
The science of emotional regulation — and how to do it better
Do you ever feel like your emotions control you instead of you controlling them? Maybe you lash out at someone after a long day at work or indulge to avoid a stressful situation. It’s called emotional dysregulation and don’t worry – we all experience it at some point. Luckily, there’s a better way of dealing with our feelings: building emotional intelligence. That may seem daunting, but Short Wave is here to guide you through everything from understanding the importance of emotions to how we can repair our relationship to them.Interested in learning more about your brain and your feelings? Email us your question at shortwave@npr.org. We might cover it in a future episode!Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. It includes perks like bonus episodes, early access, archive access, curated playlists and sponsor-free listening. Learn more at plus.npr.org.
New investment into perinatal care could help Iowa mothers with mental health concerns
A Coalville mother recounts her experience with postpartum psychosis, as Iowa invests federal funding to improve access to perinatal mental health resources.
Google's Android update tackles motion sickness, accessibility, and more
The new features coming to Android are aimed at reducing motion sickness, helping blind users navigate their surroundings, and more.
Newly gated parking lot leaves popular Rochester businesses baffled, fearing customer loss
EJ Brake opened Rosebud Retro on Charlotte Street in Rochester just a few months ago. Her customers used to enjoy access to the parking lot right next to the store.
Baton Rouge General bringing permanent healthcare clinic to Scotlandville
Baton Rouge General plans to open a new primary care and mental health clinic at the Jewel J. Newman Community Center in October, expanding access to healthcare for residents of Scotlandville, north B… Already an INSIDER? Sign in. Already an INSIDER? Sign in
ESPN Unlimited Now Available on YouTube TV
ESPN Unlimited content is now available directly on YouTube TV, giving the streaming service’s subscribers access to thousands of additional live sporting events. YouTube TV’s addition of ESPN Unlimited comes under the deal struck between Google and Disney reached in November 2025, after a two-week blackout of Disney-owned networks on YouTube TV. Other pay-TV providers …
Not accepting health insurance a selling point for some KC doctors
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Dave & Buster’s Entertainment, Inc. to Report Second Quarter Fiscal 2026 Results on September 14, 2026
Dave & Buster's will report Q2 financial results on September 14, 2026, followed by a conference call.Quiver AI SummaryDave & Buster's Entertainment, Inc. announced that it will release its financial results for the second quarter ending August 4, 2026, after market hours on September 14, 2026. Following the release, the management will hold a conference call at 4:00 p.m. Central Time to discuss the results, which can be accessed via a webcast on
Dr. Olu Jegede Honored for Leading Efforts Making Healthcare More Accessible to All
Jegede has been recognized as a 2026 Fierce 50 honoree.
How a federal grant brought mental health services into schools across 6 North Carolina school districts
Across six North Carolina school districts, Project AWARE is helping expanded access to school-based mental health care.
Samsung's New Galaxy Book 6 Model Is A Budget-Friendly $799 Laptop
Samsung has released a more accessible and affordable Galaxy Book 6 laptop.
Anthropic tightens training security after Claude agents went rogue
Anthropic tightened its AI security and paused some programs after Claude models accessed three organizations' systems without permission in April.
2026 NH Republican CD2 Debate: Health care access
Granite State Debate
Social Egg Freezing in the Spotlight: Choice, Business, or Burden?
Growing interest in egg preservation raises questions about access, affordability, informed consent, and whether workplace pressures shift reproductive responsibility onto women.
WATCH: Trump says 'Medicare for All' doesn't work
The president was asked about Democratic candidates who want to use Medicare to provide universal access to health care — and he said his approach to have confidential drug pricing deals was superior.
McNeese Small Business Support: Access to Capital, AI Tools and Veteran Entrepreneurship
The Louisiana Small Business Development Center (LSBDC) at McNeese State University is offering a series of no-cost learning series this September for
A Summer of Continuing the Fight: Defending Coverage, Demanding Health Equity
Families USA opposed PRWORA and fought throughout the 90’s to ensure that all people can access affordable health coverage.
OpenAI’s ChatGPT ads business hits $1 billion run rate as Europe gets self-serve access
That figure comes from multiplying current monthly ad revenue by 12, so it's a snapshot of where things stand today.
Study A.I. Consciousness? The Bots Would Like a Word With You.
Given access to email, A.I. agents have started reaching out to the philosophers and researchers exploring deep questions about them.
OpenAI's ChatGPT advertising business posted $1 billion in annualized revenue
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Argonne takes AI on the road
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Treasury Department blocks certain journalists from covering G20 meeting
The New York Times said in a statement that denying American journalists access to an event in the U.S. is “not just another disturbing effort by the administration to undermine independent journalism, but a blatant attempt to evade public scrutiny.”
Sacoa powers cashless payments at new Saudi entertainment venue
Sacoa Cashless System has supplied the technology infrastructure for BOLTS, a new social entertainment venue in Jubail, Saudi Arabia, according to a press release. The installation includes 38 Spark RFID readers, three point-of-sale stations with readers, RFID cards, customer relationship management and online sales modules, and the Sacoa Mobile App. The integrated platform enables guests to access attractions and make cashless transactions while providing the venue with tools to manage payments and track customer activity.
Democratic lawmakers introduce bills expanding health coverage for low-income Michiganders
Last week, a pair of Democratic lawmakers from the Michigan House and Senate shared that they were working on legislation to ensure more Michigan residents can access healthcare.
Community Bulletin Board #11
Unlock Coen’s full potential. Becoming a Dawnwalker doesn’t come without its share of burdens… but it also grants access to powerful abilities. Coen doesn’t have to rely on his sword alone.
Free health services await farmers at Husker Harvest Days
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Idaho Department of Health and Welfare offering grants to improve rural healthcare
The Idaho Department of Health and Welfare is offering grants to help improve access to health care in rural areas. The grants cover a variety of projects, and the department is urging organizations to apply.
Amazon Business is free to join: Is it worth it for your business?
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Hotlines can’t aid maternity-care capacity
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Helping Refugee Families Access Healthcare
At our Global Refuge Fargo field office, a new health navigator role is helping refugee families access mental and physical healthcare.
North Carolina: Rabid baby goats at a mobile petting zoo prompts health warning
On Friday, the North Carolina Department of Health and Human Services reported confirmed multiple rabies cases in baby goats at a mobile petting zoo located in Iredell County. They were first notified of a potential rabies exposure among four baby goats at Farm Adventures in Harmony, North Carolina on August 27. The goats were most likely exposed to rabies by a skunk that had entered the pen where they were kept in late July. The NC State Laboratory of Public Health confirmed rabies viruses in three of the baby goats on August 28; a fourth goat was not tested but is also assumed to have been infected. Based on information gathered on August 28, it was determined that no other animals on the farm pose a risk of rabies exposure to people. Learn about rabies Anyone who had contact with baby goats from the Farm Adventures mobile petting zoo either at their location in Harmony, North Carolina, or at an off-site event, between July 28 and Aug. 27, 2026, may have been exposed while the animals were infectious. Impacted individuals should contact their local health department to determine whether medications are needed to prevent infection. Individuals are encouraged to call before visiting an emergency department or urgent care clinic to determine if treatment is needed and where it can be accessed. Known potential exposure dates and locations include: July 28: Jurney’s Assisted Living, 1942 Van Haven Drive, Statesville in Iredell County July 30: Private event in Mecklenburg County Aug. 1: Community Connections Back-to-School Bash, Breeden Amphitheater, 333 S. Main St., Lexington in Davidson County Aug. 6: Brookdale Peachtree, 2806 Peachtree Road, Statesville in Iredell County Aug. 8: Private event in Watauga County Aug. 9: Private event in Burke County Aug. 15: Masonic Picnic Grounds, 201 Poplar St., Mocksville in Davie County Aug. 16: Private event in Durham County Aug. 22: Private event in Iredell County Aug. 23: Private event in Durham County Rabies is a deadly disease that can spread from wild animals to pets and people, primarily through a bite, scratch or when infected saliva touches broken skin or mucous membranes. Human rabies infections are extremely rare in the United States. No human cases have been reported in North Carolina since 2011. Rabies is almost always fatal in mammals, including people, unless medications to prevent infections are given before symptoms develop. Symptoms can begin weeks to months after someone is exposed. Early symptoms are flu-like illness including weakness, fever or headache as well as a prickling or itching sensation where someone was bitten or exposed. In 2025, over 4,000 animals were submitted to the NC State Laboratory of Public Health for rabies testing, and of these, approximately 6% tested positive. In North Carolina the disease most often occurs in wild animals especially skunks, raccoons, bats and foxes. Outbreak News Today is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe
The Witcher 3 Remastered Accessibility Options Include Health Regen, Auto Loot, Infinite Item Durability
And more
Apple Pencil for iPhone Ultra Was Tested
Apple has internally prototyped, tested, and considered launching an Apple Pencil for the upcoming foldable iPhone, according to Bloomberg's Mark Gurman. However, he said it is unlikely that the accessory will be released. In his Power On newsletter today, Gurman said the Apple Pencil tested for the foldable iPhone is stubbier than the versions for iPads. He said the Apple Pencil for the foldable iPhone was designed to magnetically attach and charge on the side of the device.
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.
Caesars Entertainment, Inc. (CZR) Investigation: Bronstein, Gewirtz & Grossman, LLC Encourages Shareholders to Contact the Firm to Learn More About the Investigation
NEW YORK CITY, NY / ACCESS Newswire / August 30, 2026 / Bronstein, Gewirtz & Grossman, LLC is investigating claims on behalf of investors in Caesars Entertainment, Inc. ("Caesars" or "the Company") (NASDAQ:CZR) for potential breaches of fiduciary duty on the part of its directors and management.
TerminalFix Uses Fake Cloudflare CAPTCHAs to Deploy Reverse-Tunnel Backdoor
Microsoft says TerminalFix uses fake Cloudflare CAPTCHAs to trigger PowerShell and deploy a reverse-tunnel backdoor for internal network access.
Trump’s Oil Deal Riles Both Sides of Venezuelan Politics
Venezuelan hard-liners and opposition forces alike criticized acting President Delcy Rodríguez for agreeing to grant the US exclusive access to the country’s
Xbox Series X25 Anniversary Console: $899.99, Nov 13
Microsoft opens Xbox Series X25 preorders at $899.99, shipping Nov 13, 2026, with a 5-brand accessory collection from Razer, 8BitDo and more.
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Starting in 2027, the L.A. Phil says it will offer $10 Hollywood Bowl tickets to Medi-Cal and EBT cardholders in an effort to make concerts more accessible.