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New research vessel joins UNCW’s marine science fleet

UNCW is expanding its ocean research capabilities with the addition of a new 78-foot research vessel to its scientific fleet.

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Sep 3 • 7:59 PM EDT • Science • wect.com
Is Hearts' McPake poised to gatecrash Pocognoli's Scotland squad?

Josh McPake has made a significant impact since joining Hearts. Could he now do the same for the Scotland national team?

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Sep 3 • 7:43 PM EDT • Sports • sports.yahoo.com
New research vessel joins UNCW’s marine science fleet

The University of North Carolina Wilmington (UNCW) is expanding its ocean research capabilities with the addition of a new 78-foot research vessel to its scientific fleet.

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Sep 3 • 7:39 PM EDT • Science • wect.com
Midwife from closed Iowa program joins Regional Health Services

She once cared for patients at a hospital that shut its doors to expecting mothers. Now, she’s continuing that work in a new place.

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Sep 3 • 7:12 PM EDT • Health • kttc.com
Obano to put England career on hold with Pau move

Beno Obano will become the latest England player to put his Test career on ice after agreeing to join French side Pau at the end of the forthcoming season.

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Sep 3 • 6:46 PM EDT • Sports • sports.yahoo.com
Jennifer Aniston's emotional interview with boyfriend Jim Curtis about his health journey

The couple made a rare joint appearance at New York City’s 92nd Street Y, with Jen interviewing her wellness coach boyfriend about hie new guide to healing, “The Book of Possibility.”

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Sep 3 • 6:21 PM EDT • Health • nbcsandiego.com
100 Years of Newman Copeland: Waco WWII Veteran, Business Pioneer & Local Legend

Waco native Newman Copeland has seen a century of history and helped shape it here at home. The World War II Navy veteran and pioneering businessman joins KWTX to look back on his earliest memories in Waco, his service during the war, building a career after Baylor, the blessings that matter most—and the secret he’s learned to living a long, meaningful life.

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Sep 3 • 5:50 PM EDT • Business • kwtx.com
Nate Oats' wife rejoins Alabama men's basketball team

Alex Accetta spent 2015-22 with Alabama, and returns as director of program relations after marrying coach Nate Oats in July.

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Sep 3 • 5:29 PM EDT • Sports • sports.yahoo.com
Vance says Iran conflict isn’t a ‘war,’ even as he refuses to say when it will end

Vice President JD Vance could provide neither a timeline for the Iran war to end nor a date when gas prices might sink below pre-war levels during a White House appearance Thursday, suggesting instead it was up to Iran to conclude the conflict that began with joint US-Israeli airstrikes six months ago.

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Sep 3 • 5:01 PM EDT • Politics • cnn.com
OU adding more defensive line help after court win

Defensive lineman Braxton Fely is expected to join the Sooners roster before the Southeastern conference’s midnight roster cutoff according to George Stoia.

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Sep 3 • 5:01 PM EDT • Sports • oudaily.com
Becky Sauerbrunn returns to the Thorns as a technical director

Women's World Cup winner and former Portland Thorns defender Becky Sauerbrunn is rejoining her former team as a technical consultant for the rest of the season. Sauerbrunn had a lengthy career as a player in the National Women's Soccer League, winning Defender of the Year honors four times to go with three league championships. “As a player, I loved watching film, talking tactics and details, working with a backline, and this opportunity affords me all those things with a lot less running," Sauerbrunn said in a statement Thursday.

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Sep 3 • 4:59 PM EDT • Sports • sports.yahoo.com
Connor Storrie's Managers Join Linden Entertainment

Nicholas Todisco and Brad Pence left Atlas Artists earlier this week.

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Sep 3 • 2:15 PM EDT • Entertainment • hollywoodreporter.com
Nick Todisco, Brad Pence Join Linden Entertainment

Nick Todisco and Brad Pence have landed at Linden Entertainment following their exit from Atlas Artists, Deadline has learned.

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Sep 3 • 2:15 PM EDT • Entertainment • deadline.com
Fox News parts ways with Maria Bartiromo

Bartiromo has been FOX Business Network’s global markets editor since joining the network in 2014.

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Sep 3 • 1:20 PM EDT • Business • nbcnews.com
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Iliman Ndiaye squad number confirmed

New signing Iliman Ndiaye is to wear the number 7 shirt at Manchester City. Men's Team Maresca nominated for Barclays Manager of the Month award The exciting Senegalese attacking winger joined City fr...

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Sep 3 • 12:05 PM EDT • Sports • sports.yahoo.com
‘The View’ reveals 1 former cohost returning to the table for season 30

‘The View’ revealed Sherri Shepherd will join Whoopi Goldberg, Joy Behar, and more at the Hot Topics table when the show premieres for its landmark season 30.

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Sep 3 • 11:25 AM EDT • Entertainment • ew.com
With Clancy trial in spotlight, maternal mental health expert offers insight

Dr. Kristina Deligiannidis from Northwell Health joins the Mornings @ 10 team.

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Sep 3 • 11:23 AM EDT • Health • abc7ny.com
The weather app on your Pixel Watch is adding new watch face modules

Google’s Pixel Weather app is adding three new complications to join the Sunrise and sunset, UV Index, and Weather options.

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Sep 3 • 9:57 AM EDT • Technology • androidauthority.com
CT Legislature, United Way Join Forces On Youth Mental Health Campaigns

According to Department of Children and Families Commissioner Susan Hamilton, more than 3,100 youth have been seen in the crisis centers since they opened, with over 700 seen in the last year alone. Youth overwhelmingly report improvements in their condition after discharge from the centers.

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Sep 3 • 9:42 AM EDT • Health • ctnewsjunkie.com
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People on the Move: Leo Russo, PhD, Joins Life Science Cares Philadelphia Board of Advisors

Life Science Cares Philadelphia has welcomed Leo Russo, PhD, to its Board of Advisors, bringing more than 25 years of pharmaceutical industry experience in…

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Sep 3 • 9:14 AM EDT • Science • biobuzz.io
Legends Bank welcomes Sallie Eley as vice president, business banker

Legends Bank is pleased to announce that Sallie Eley has joined the bank as VP, business banker.

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Sep 3 • 9:00 AM EDT • Business • clarksvillenow.com
iPhone 18 Pro Chip Leak Indicates Major GPU and Memory Bandwidth Improvements

An alleged solder joint diagram for Apple's A20 Pro chip suggests the processor will deliver a number of significant upgrades, including a seven-core GPU, a wider memory interface, and a larger L2 cache for its efficiency cores. The claims come from a Weibo user who says the layout was reconstructed by mapping the chip's solder ball positions and overlaying them with die level images to sketch out where each block of the processor sits.

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Sep 3 • 8:06 AM EDT • Technology • macrumors.com
Nuclear medicine physician-scientist Dr. Amir Iravani joins UCLA Health to lead Theranostics Program

Iravani will help advance the integration of theranostics into cancer care, expand clinical trials and research opportunities and develop new collaborations.

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Sep 3 • 8:00 AM EDT • Health • uclahealth.org
Rising costs of health benefits: Total cost per employee expected to rise 8.2% in 2027

Joseph Kra, Marsh senior partner and northeast health zone practice leader, joins 'Squawk Box' to discuss the rising costs of health benefits, impact of GLP-1s on health benefit costs, and more.

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Sep 3 • 7:08 AM EDT • Health • cnbc.com
Beyond Finger Pointing: The Fight to Lower Health Care Costs

In a live conversation recorded at Aspen Ideas: Health, executives from a hospital, insurer and pharmacy join a top Trump administration official and leading health economist to discuss how to collectively bring down health care costs.

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Sep 3 • 3:01 AM EDT • Health • tradeoffs.org
Ted Cruz Is Testing the Waters for a 2028 Run—and Taking Swipes at JD Vance

The Texas senator is making trips to Iowa, promoting his book and hitting the podcast circuit as he considers joining the race to succeed Trump.

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Sep 2 • 8:00 PM EDT • Politics • wsj.com
Vermont joins 22-state lawsuit challenging federal rule on transgender youth healthcare

Vermont is challenging a federal rule on transgender youth healthcare.

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Sep 2 • 7:58 PM EDT • Health • wcax.com
‘Fresh Prince’ alum Tatyana Ali wasn’t allowed to tell host Alfonso Ribeiro she joined ‘DWTS’

Tatyana Ali reveals why she wasn’t allowed to tell her ‘Fresh Prince of Bel-Air’ brother Alfonso Ribeiro that she’d been cast on season 35 of ‘Dancing With the Stars,’ which he’s cohosted since season 31.

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Sep 2 • 7:03 PM EDT • Entertainment • ew.com
Philadelphia leaders work to preserve Academy of Natural Sciences as museum prepares to close

The effort is focused on preserving the academy's research, education and public engagement missions, according to David Cohen, an attorney and former U.S. ambassador to Canada who has joined the effort.

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Sep 2 • 6:16 PM EDT • Science • 6abc.com
Former Dolphins WR Joins Mike McDaniel’s New Team: Report

ESPN's Adam Schefter reported the Los Angeles Chargers signed former Miami Dolphins wide receiver Theo Wease to their practice squad. The post Former Dolphins WR Joins Mike McDaniel’s New Team: Report appeared first on HEAVY.

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Sep 2 • 5:36 PM EDT • Sports • sports.yahoo.com
Political adversaries join forces, urge Michiganders to vote "no" on state constitutional convention

The current state constitution requires asking Michiganders every 16 years to decide if they want to totally rewrite the constitution.

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Sep 2 • 4:22 PM EDT • Politics • michiganpublic.org
Tech parties are becoming major players in the sports ownership industry: Sportscorp's Marc Ganis

Marc Ganis, Sportscorp founder and CEO, joins 'Closing Bell' to discuss the recent spate of sports team sales, the role private equity has played and much more.

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Sep 2 • 4:00 PM EDT • Sports • cnbc.com
Prime Video becomes local streaming home for six NHL teams

Prime Video will be the exclusive local streaming home for six NHL teams next season. Prime Video and the NHL jointly announced Wednesday that the streamer is now the local rights holder for the Carolina Hurricanes, Anaheim Ducks, Columbus Blue Jackets, Dallas Stars, Minnesota Wild, and St. Louis Blues, each within that team’s own regional…

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Sep 2 • 4:00 PM EDT • Sports • sports.yahoo.com
SM Entertainment and Tencent Music establish Beijing joint venture STE, with Super Junior-M’s Zhoumi as CEO

STE will develop and manage artists for the Greater China market, and says it’s preparing a new Chinese idol group for a debut within two to three years…

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Sep 2 • 3:37 PM EDT • Entertainment • musicbusinessworldwide.com
SPIRITED AWAY: LIVE ON STAGE Joins Fathom Entertainment’s Studio Ghibli Fest 2026

GKIDS and Fathom Entertainment have announced that SPIRITED AWAY: Live On Stage will join this year’s Ghibli Fest lineup. Coming to US theaters in its original Japanese with English subtitles for two nights only on October 1 and 8, the live theatre capture was filmed during the hit production’s 2022 run. Presented by Toho Co., […]

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Sep 2 • 2:34 PM EDT • Entertainment • boxofficepro.com
Billy Ray Cyrus reacts to daughter Miley dropping their last name

Billy Ray Cyrus celebrated his daughter Miley’s choice to go mononymous, saying that she is joining the ranks of iconic musicians like Elvis and Cher.

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Sep 2 • 2:05 PM EDT • Entertainment • ew.com
The Mandalorian and Grogu join the KTLA Entertainment Team

Los Angeles news and live streaming video

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Sep 2 • 1:47 PM EDT • Entertainment • ktla.com
D.C. area nurses join nationwide protests over sharing of health data with Palantir

Registered nurses in D.C. and other cities nationwide protested the company Palantir last week, arguing the firm's technology is helping ICE track down immigrants using Medicaid records. Court filings show ICE shared Medicaid data with Palantir even after a federal judge limited what information could be passed to immigration officials.

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Sep 2 • 1:11 PM EDT • Health • wamu.org
Governor Sherrill and 17 State Employee Unions Reach Agreement to Launch Comprehensive State Health Benefits Program Reform Effort

FOR IMMEDIATE RELEASE September 2, 2026 Governor Sherrill and 17 State Employee Unions Reach Agreement to Launch Comprehensive State Health Benefits Program Reform Effort Agreement waives higher health benefits contributions in 2027 for State employees and launches a joint effort to make benefits more affordable and sustainable TRENTON – Governor Mikie Sherrill and 17 unions representing state employees today[...]

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Sep 2 • 1:01 PM EDT • Health • insidernj.com
Owen Thiele, Este Haim Join Variety Entertainment & Technology Summit

Leadership from WPP Media, NBCUniversal Entertainment, Netflix, Amazon, Paramount, Hallmark, and more are scheduled to speak.

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Sep 2 • 12:00 PM EDT • Entertainment • variety.com
Essentia Health-St. Mary’s Medical Center welcomes hospitalist Dr. Chukwuemeka Umeh

Dr. Chukwuemeka Umeh, a hospitalist, is thrilled to join Essentia Health-St. Mary’s Medical Center.

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Sep 2 • 11:00 AM EDT • Health • essentiahealth.org
Javier Bardem, Marion Cotillard & Vanessa Redgrave Join Animated Movie ‘The Turning Door’

Oscar winners Javier Bardem, Marion Cotillard and Vanessa Redgrave will voice starring roles in the upcoming family fantasy animation film, The Turning Door, written and directed by filmmaker and arti...

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Sep 2 • 11:00 AM EDT • Entertainment • yahoo.com
Veterans Affairs Reveals 250K New Veterans Have Enrolled in VA Health Care in 2026

The veterans who joined this year have had more than 1.4 million medical appointments, according to the agency.

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Sep 2 • 10:44 AM EDT • Health • military.com
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Select Medical and Corewell Health Form Joint Venture to Build New Inpatient Rehabilitation Hospital in Southeast Michigan

Select Medical Corporation and Corewell Health today announced a joint venture partnership to build and operate a new 84-bed inpatient rehabilitation hospital in Sterling Heights, Mich., next to Corewell Health Beaumont Troy Hospital.

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Sep 2 • 10:35 AM EDT • Health • finance.yahoo.com
Christopher Borick blends public opinion with politics at Lehigh Opinion Observatory

For Dr. Christopher Borick, relocating to Lehigh is more than a change in workplace. It’s an opportunity to bring together decades of teaching, political research and public opinion analysis to a university that has long been part of his professional and personal life. Borick joined Lehigh full-time in July after spending much of his career

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Sep 2 • 10:00 AM EDT • Politics • thebrownandwhite.com
From Sardines to Dry Scooping: Fact-Checking Health Trends

It’s hard to know what advice on social media is legitimate, especially when it comes to health and wellness. NBC news medical reporter Dr. Akshay Syal joins TODAY to break down social media health trends, including dry scooping a pre-workout powder, eating more sardines, drinking tart cherry juice for sleep and more.

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Sep 2 • 9:44 AM EDT • Health • today.com
Farah Yousry joins AHCJ as first journalist-in-residence

The new Health Editor Help Desk will connect journalists with specialized editorial expertise and test an expanded role for journalism associations.

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Sep 2 • 9:00 AM EDT • Health • healthjournalism.org
Topicals Appoints New CEO From Fenty Beauty

Founder Olamide Olowe has stepped down from her chief executive role and will become chairwoman as Sukiana Chancy joins the company.

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Sep 2 • 8:30 AM EDT • Business • businessoffashion.com
Jack Daniel's maker Brown-Forman misses sales estimates on weak consumer spending

Jack Daniel's Brown-Forman missed first-quarter sales estimates and stuck to its annual targets, joining other spirits makers ​in warning of a weak consumer environment in the ‌United States and Europe.

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Sep 2 • 8:10 AM EDT • Business • reuters.com
Studio71 Alum Joseph Marchese Joins Bent Pixels as Head of Creator Strategy and Business

Joseph Marchese has joined creator network Bent Pixels as executive VP of creator strategy and business as the firm revs up its portfolio of support services offered to attention-economy clients. Marc...

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Sep 2 • 8:05 AM EDT • Business • yahoo.com
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

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Sep 2 • 8:00 AM EDT • Science • atlas.cern
Chevron expands Venezuela position, to invest $7 billion in next five years

Chevron said ‌on Wednesday it had agreed with Venezuela on updated ​terms for its joint ​ventures in the country ⁠and plans to invest ​more than $7 billion over ​the next five years, targeting production of about 600,000 bpd.

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Sep 2 • 6:20 AM EDT • Business • reuters.com
Nintendo adds three more NES games to Switch Online, bringing the total to 87 in the West

Ninja Gaiden 3, Ikari Warriors and RC Pro-Am 2 join the Nintendo Classics service…

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Sep 2 • 5:14 AM EDT • Technology • videogameschronicle.com
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

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Sep 2 • 5:05 AM EDT • Health • healthapiguy.substack.com
Opposition Lowdown: Mansfield Town Starting Season Strong

Reading return home this Wednesday with an evening game under the lights of the SCL, facing Mansfield. Join us as we take a closer look at the opposition.

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Sep 2 • 5:04 AM EDT • Sports • sports.yahoo.com
Joining Leeds 'an easy choice'

New Leeds United signing Melvin Bard has said the history "makes the club an attractive one" after joining from Ligue 1 side Nice on an initial loan deal. "Leeds is a historic club in the Premier League so it was an easy choice," Bard said.

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Sep 2 • 4:46 AM EDT • Sports • sports.yahoo.com
Personnel note: Allie Cleary joins Metz Husband & Daughton

'Few people understand the details of state policy the way Allie does.'

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Sep 2 • 4:15 AM EDT • Politics • floridapolitics.com
More than half of Premier League clubs break transfer records

More than half of the Premier League's clubs have broken their transfer records in a summer window featuring four of the top flight's five most expensive ever deals. After England internationals Elliot Anderson and Morgan Rogers joined Manchester City for £116 million ($157 million) and Chelsea for £117 million respectively, the final two days of the window brought an even bigger pair of deals as summer spending pushed beyond last season's record of £3 billion, with the final figure yet to be co

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Sep 2 • 12:33 AM EDT • Sports • sports.yahoo.com
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What to Look For at Business Summit

The West Virginia Chamber of Commerce will host its 90th Annual Business Summit beginning Wednesday at the Greenbrier. Chamber President Steve Roberts joined Talkline earlier this week to preview the event. He says it promises to be an exciting few days with an equally exciting agenda. He’s right. But there’s also the question of what

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Sep 2 • 12:15 AM EDT • Business • wvmetronews.com
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Ex-Bears Cornerback Joins NFC Contender After Controversial Cut

A former Chicago Bears cornerback has joined up with another NFC contender after the team's controversial decision during roster cuts. The post Ex-Bears Cornerback Joins NFC Contender After Controversial Cut appeared first on HEAVY.

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Sep 1 • 8:39 PM EDT • Sports • sports.yahoo.com
Former President Joe Biden Will Attend Sept. 11 Ceremony in New York

Mr. Biden will join three other living presidents at the event. President Trump has decided to skip the ceremony and is expected to appear at the Pentagon on the 25th anniversary of the attacks.

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Sep 1 • 7:10 PM EDT • Politics • nytimes.com
WakeMed loses two top executives as proposed merger with Atrium looms

Thomas Gough, WakeMed’s chief operating officer, has been named COO at Baptist Health in Jacksonville, Florida. Seth Brody, WakeMed’s chief physician executive, has joined UNC Health.

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Sep 1 • 6:57 PM EDT • Health • wral.com
Apple Maps renames Lake Ontario to Lake America, joining Google

Apple is following Google Maps, after President Donald Trump ordered the federal government to change the name of a Great Lake.

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Sep 1 • 5:08 PM EDT • Business • businessinsider.com
Florida Politics: Hope Florida, Nixon-Moody debate?

Florida Governor Ron DeSantis is set to host a forum with several huge names in the Florida Republican Party, such as Attorney General James Uthmeier and GOP Gubernatorial Candidate Byron Donalds. Meanwhile, Angie Nixon is throwing her hat into the ring, challenging U.S. Senator Ashley Moody to a public debate ahead of the general election. POLITICO Reporter and Florida Playbook author Kimberly Leonard joined FOX 35's Garrett Wymer live over Zoom to discuss what's new in Florida politics.

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Sep 1 • 4:07 PM EDT • Politics • fox35orlando.com
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Brewery exits Newport on the Levee, the latest in a string of recent retail departures

Wooden Cask Brewing closes its Newport on the Levee location due to high rent and low traffic, joining other retailers departing the development.

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Sep 1 • 2:28 PM EDT • Business • bizjournals.com
Man City agree joint British record Enzo Fernandez move

Chelsea have agreed to sell midfielder Enzo Fernández to Manchester City for £125 million ($169 million), as Mykhailo Mudryk and Tosin Adarabioyo prepare to make deadline-day moves to rivals Tottenham. With the 11 pm (2200 GMT) deadline fast approaching, the Press Association understands a British record-equalling deal has been struck to take the Argentina international to the Etihad Stadium.

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Sep 1 • 2:18 PM EDT • Sports • sports.yahoo.com
Nicki Minaj joins Trump administration’s small business pitch competition as judge

The rapper will serve on the panel for the SBA’s “Million Dollar Pitch Competition” alongside business executives and other celebrities.

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Sep 1 • 1:50 PM EDT • Business • yahoo.com
Watch CNBC's full interview with President's Council of Advisors on Science & Technology's Sacks

David Sacks, President's Council of Advisors on Science & Technology co-chair, joins 'Squawk on the Street' to discuss AI regulation and growth.

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Sep 1 • 11:51 AM EDT • Science • cnbc.com
Michigan Tech to Induct 10 into Sports Hall of Fame

Ten individuals will join the Michigan Tech Sports Hall of Fame at an induction ceremony in October.

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Sep 1 • 11:50 AM EDT • Sports • michigantechhuskies.com
Sports Editor for The Wall Street Journal Joshua Robinson joins 'GMFB'

Joshua Robinson, Sports Editor of the Wall Street Journal, joins "Good Morning Football" for an exclusive interview.

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Sep 1 • 11:08 AM EDT • Sports • nfl.com
Interface’s Minné joins Penn State Smeal Sustainability Advisory Board

Travis Lesser, director of the Penn State Smeal College of Business Center for the Business of Sustainability, has announced the addition of Liz Minné to the Smeal Sustainability Advisory Board.

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Sep 1 • 10:17 AM EDT • Business • psu.edu
LG ELECTRONICS AND MARRIOTT INTERNATIONAL ENHANCE TRAVELER ENTERTAINMENT EXPERIENCE WITH NEW GUEST ROOM TECHNOLOGY PLATFORM

News Summary Marriott International Inc. and LG Electronics have jointly developed a new cloud-based guest room entertainment and technology platform to...

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Sep 1 • 9:00 AM EDT • Entertainment • prnewswire.com
Aston Villa confirm double deadline day deal

Aston Villa have confirmed the signings of Ibrahim Mbaye from Paris Saint-Germain and Taylor Harwood-Bellis from Southampton.Senegal international Mbaye joins Villa for a fee of around £47m after an ...

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Sep 1 • 8:25 AM EDT • Sports • sports.yahoo.com
Politics & Power: AI data centers spark backlash over costs, environment, security

Nick Allard, Dean of the Jacksonville University School of Law, joins News4JAX anchor Bruce Hamilton on this week's episode of "Politics & Power" to discuss AI's growth and rising concerns about utility costs, environmental impact, and data security.

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Sep 1 • 7:00 AM EDT • Politics • news4jax.com
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Former Augsburg defender Kevin Danso set for Sunderland switch

Former Augsburg centre-back Kevin Danso is reportedly on the verge of joining Sunderland on loan from Tottenham Hotspur.According to Sky Sports, the 27-year-old Austria international is set to join th...

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Sep 1 • 6:03 AM EDT • Sports • sports.yahoo.com
Former Texans Cornerback Skips Town to Join 49ers in Shuffle

One former Houston Texans player departed for greener pastures, while another had no say in the matter but is hoping for the same. The post Former Texans Cornerback Skips Town to Join 49ers in Shuffle appeared first on HEAVY.

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Aug 31 • 10:40 PM EDT • Sports • sports.yahoo.com
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Azim Eskandarian joins the Virginia Academy of Science, Engineering, a

The honor recognizes the College of Engineering dean’s impact on engineering education and the intelligent and autonomous vehicle industry.

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Aug 31 • 8:00 PM EDT • Science • news.vcu.edu
Police saturate entertainment district in downtown Selma

From the West Alabama Newsroom– The Selma Police Department and the Dallas Co. Sheriff’s Office conducted a joint saturation detail in downtown Selma over the weekend. The detail was conducted in the city’s entertainment district — in response to a shooting incident that happened the previous weekend. “When you have 300 and something shots that were fired, one person injured,...

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Aug 31 • 7:25 PM EDT • Entertainment • waka.com
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Daphne business joins initiative to store guns safely
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Aug 31 • 7:03 PM EDT • Business • yahoo.com
Health systems joining efforts to reduce homelessness

From developing housing to deploying mobile medical units, most of the nation's large health systems are investing in efforts to alleviate homelessness—and, in turn, reduce emergency care costs, new Cornell ...

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Aug 31 • 3:20 PM EDT • Health • medicalxpress.com
Meet the Newest Members of Poole’s Graduate Business Community

This fall, 291 students joined Poole College of Management’s graduate business programs, bringing experience from fields including technology, education, accounting, marketing, financial services and the military. Meet six incoming students and learn about the paths that led them to NC State, what they hope to gain and where they plan to go next.

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Aug 31 • 3:07 PM EDT • Business • poole.ncsu.edu
Tackling lawsuit abuse on Inside West Virginia Politics

CHARLESTON, W.Va. (WOWK) – On this week’s episode of Inside West Virginia Politics, our guests join Rick Johnson to discuss giving away water, lawsuit abuse, housing children and a congressional ru…

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Aug 31 • 2:59 PM EDT • Politics • wowktv.com
Bradley Barcola transfer news: Liverpool complete £123m signing of France winger from PSG

Bradley Barcola joins Liverpool for a fee potentially rising to £123m; France winger becomes clubs second most expensive purchase behind £125m deal for Alexander Isak from Newcastle in 2025; Barcola follows Victor Munoz and Ronald Araujo into Anfield this summer

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Aug 31 • 10:00 AM EDT • Sports • skysports.com
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New York business and wealth exodus threatens economic standing, George Pataki warns

Former New York Governor George Pataki joins Maria Bartiromo to discuss the business and wealth exodus from New York. Pataki warns that high taxes and crime policies are driving major job creators to Florida and Texas.

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Aug 31 • 9:55 AM EDT • Business • foxbusiness.com
Welcome to the New Pittsburgh Baseball Now Community!

Welcome to the Pittsburgh Baseball Now Community! Thank you for becoming a member. We’re excited to have you join us […]

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Aug 31 • 8:59 AM EDT • Sports • sports.yahoo.com
U.S. Special Envoy for Global Partnerships Paolo Zampolli’s Meeting with Uzbekistan's Minister of Sports and National Olympic Committee

U.S. Special Envoy for Global Partnerships Paolo Zampolli’s Meeting with Uzbekistan’s Minister of Sports and National Olympic Committee Tashkent, Uzbekistan – August 31, 2026 – U.S. Special Envoy for Global Partnerships Paolo Zampolli met with the leadership of the Ministry of Sports and the National Olympic Committee (NOC) of Uzbekistan to discuss the current state of the U.S.-Uzbekistan sports cooperation and prospects for its continued growth. Discussions focused on strengthening international sports cooperation, advancing the Olympic movement, and identifying promising joint projects. Special Envoy Zampolli congratulated Uzbekistan on its selection as the host of the 2027 World Fencing Championships and welcomed Uzbekistan’s possible participation in a planned World Robotics Organization. Special Envoy Zampolli also congratulated the people of Uzbekistan on the 35th anniversary of the country’s independence. “Sport brings people together like nothing else,” said Special Envoy Zampolli. This engagement builds on Special Envoy Zampolli’s prior meetings with Uzbekistan’s national sports leaders and teams and reflects the United States’ sustained commitment to sports diplomacy as a bridge for cultural exchange and international cooperation.

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Aug 31 • 8:46 AM EDT • Sports • uz.usembassy.gov
One injection could keep osteoarthritis drugs working for weeks

Scientists have created an injectable gel that can remain inside arthritic joints for weeks, slowly releasing medication while also improving lubrication. The approach could make it easier to deliver disease-modifying drugs directly where they are needed while limiting exposure elsewhere in the body.

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Aug 31 • 8:00 AM EDT • Science • sciencedaily.com
Meet Ryan Myers. The Commercial Appeal's newest high school sports writer

The Commercial Appeal welcomes its new high school sports writer as Ryan Myers joins the CA staff.

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Aug 31 • 6:06 AM EDT • Sports • sports.yahoo.com
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Business groups urge Swinney to scrap 'ineffective' food price cap plan

More than 20 organisations have written a joint letter to John Swinney urging him to scrap his plan for a legal cap on some food and drink prices.

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Aug 31 • 5:18 AM EDT • Business • bbc.com
Amazon Business is free to join: Is it worth it for your business?

Amazon Business gives companies access to business-only pricing, purchasing controls and millions of products. Learn who it's for and how to sign up for free.

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Aug 30 • 10:45 PM EDT • Business • usatoday.com
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Why Paolo Banchero Needs to Have an Elite Year

With Desmond Bane joining a revamped roster, Orlando’s franchise centerpiece faces a defining crossroads to silence critics, master his shooting, and elevate the Magic into elite contention.

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Aug 30 • 9:22 PM EDT • Sports • sports.yahoo.com
Discover the chambered nautilus with Dr. Gregory J. Barord

Join SciFri Educate for a live Q&A about the ancient chambered nautilus.

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Aug 30 • 7:03 PM EDT • Science • sciencefriday.com
Aaron Donald unretires, rejoins Rams after Myles Garrett trade
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Aug 30 • 4:07 PM EDT • Sports • sports.yahoo.com
Aaron Donald comes out of retirement, joins Myles Garrett with Rams on a 1-year, $20 million deal
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Aug 30 • 4:02 PM EDT • Sports • sports.yahoo.com
Nearly 53% of Iceland's voters reject EU membership

In a close vote, voters in Iceland have rejected resuming talks on joining the European Union. EU membership talks were previously halted 13 years ago by a government that opposed closer ties with the bloc.

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Aug 30 • 12:33 PM EDT • Politics • dw.com
What makes a great beach: Environmental science professor breaks it down

Professor Stephen Leatherman — also known as “Dr. Beach” — joins “Morning in America” to explain how beaches are ranked according to cleanliness and safety. The 2026 top 3 B…

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Aug 30 • 12:16 PM EDT • Science • newsnationnow.com
Colts wide receiver Keenan Allen was arrested early Sunday morning

He joined the Colts earlier this month on a one-year deal and will enter his 14th season in the league.

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Aug 30 • 11:49 AM EDT • Sports • sports.yahoo.com
Kalshi's head of research weighs in on election betting, possible regulations

Nicole Kagan, Kalshi's head of research, joined California 360 to explain the platform's purpose and safeguards.

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Aug 30 • 11:25 AM EDT • Politics • kcra.com
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Aisha Wahab prepares to transition from the California Senate to Congress

California State Sen. Aisha Wahab joined California Politics 360 to discuss her transition to Congress after winning the Bay Area’s special election to serve the remainder of former Rep. Eric Swalwell’s term following his resignation in April amid allegations of sexual assault and misconduct.

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Aug 30 • 11:25 AM EDT • Politics • kcra.com
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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.

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Aug 30 • 9:00 AM EDT • Business • fintechbusinessweekly.substack.com
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