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Rubio Urges Partners to Stop 'Business as Usual' With Nicaraguan Government
WASHINGTON, Sept 2 (Reuters) - The U.S. urges international partners to immediately stop "business as usual" operations with Nicaragua's government, Secretary of State Marco Rubio said in a statement on Wednesday, adding that Washington remains committed to addressing violations of ...
FIGS' International Business Gains Momentum on Strong Global Demand
FIGS' global expansion gains pace as Q2 international sales surge 67%, supported by stronger demand, localized engagement and entry into new markets.
How Medicaid Accountable Care Organizations Advance Maternal Health Care Quality: Drivers of Change and Challenges From the Perspective of ACO Leaders, Clinicians, and Care Coordinators
In the wake of a US maternal health crisis, Accountable Care Organizations (ACOs) may be a key opportunity to improve maternal health care.
Patients and Doctors, Shaken by the Clancy Trial, Seek Extra Help
Requests for advice from women with maternal mental health conditions, as well as health providers who care for them, have surged.
Should a small town try a solar-powered garden?
Master of Public Health student Libby Meier tested how practical that alternative would be for Enfield, North Carolina.
DeSantis throws support behind Donalds after contentious Republican primary
DeSantis made sure an event billed as a Florida GOP unity gathering was a celebration of his time as governor.
Yahoo Sports and Apple TV Team Up to Bring “The Cooligans” to a Live MLS Alternate Broadcast
NEW YORK (Wednesday, September 1, 2026) – Yahoo Sports and Apple TV are teaming up this season to deliver an alternate broadcast for select live Major League Soccer (MLS) matches, bringing fans a new way to experience the action with Yahoo Sports experts Alexis Guerreros and Christian Polanco of “The
Wealth Enhancement buys advisory business of Dickerson Jackson & Associates
The business being acquired was set up in 2004and is responsible for more than $376m in client assets.
AI dominates the 4th International Congress of Basic Science in Beijing
Subir Sarkar finds that AI was a hot topic among the over 800 delegates
Wealth Enhancement buys advisory business of Dickerson Jackson & Associates
The business being acquired was set up in 2004and is responsible for more than $376m in client assets.
Delaware signs maternal health bill requiring hospital discharge plans
Delaware lawmakers and maternal health advocates gathered at Josie’s Grace in Newark to celebrate the ceremonial signing of legislation designed to strengthen protections for pregnant patients experiencing labor symptoms.
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
Man charged in potential hate crime in Lexington. What to know about the case
Here’s what we know so far about the case.
Paredes puts question mark over Argentina future
Argentina midfielder Leandro Paredes says it is going to be "difficult" for him to continue playing for his country in the wake of his 10-match international ban.
New Signing: Malick Fofana
Black Cats beat Premier League rivals to secure Belgian international winger
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
Balogun drama ends with Everton transfer falling through
A timeline of the failed transfer as the USMNT international walks away despite an agreement between Everton and Monaco
Honda tells suppliers to cut costs in $9 billion push to fend off China, documents show
Japan's Honda aims to cut more than $9 billion in costs over the next four years and has instructed suppliers to drastically reduce their prices, according to internal documents and one person familiar with the matter.
OPELIKA REVOKES TOP SHELF’S BUSINESS LICENSE
Owner closes store ahead of decision BY MICHELLE KEYPUBLISHER OPELIKA — The Opelika City Council adopted the city’s fiscal year 2027 budget and revoked the business license of Top Shelf Alternatives during its Sept. 1 meeting. Top Shelf license revokedThe council held a public due process hearing on the revocation of Top Shelf Alternative’s business […]
Deadline day: Enzo Fernandez makes £125m Manchester City move
Manchester City have equalled the British transfer record by signing Chelsea midfielder Enzo Fernandez for £125 million ($169 million) at the end of a dramatic deadline day in the Premier League. From title contenders to relegation candidates, teams across the division spent big to bolster their squads before summer window closed at 11 pm (2200 GMT) on Tuesday.
Soho Business Alliance opposes Tampa’s flood relief project, proposes alternative
The City of Tampa’s controversial South Howard Flood Relief Project is scheduled to go before city council again later this week.
Presidents Cup 2026 captain's picks revealed: Who made the teams?
U.S. captain Brandt Snedeker and International captain Geoff Ogilvy revealed their captain's picks for the 2026 Presidents Cup on Tuesday, Sept. 1.
Two Democrats bail out Speaker Mike Johnson after he faces internal revolt
Speaker Mike Johnson nearly lost control of the House floor — again — because of a group of disgruntled conservatives.
Everton targeting Manchester United’s Joshua Zirkzee as Folarin Balogun alternative
Everton are targeting a late move for Manchester United striker Joshua Zirkzee (25), according to a report from L’Équipe. The Toffees have identified the Dutch forward as an alternative to Folarin ...
ESA, NASA Astronauts Complete Navigation and Science Spacewalk Outside Station
NASA astronaut Jessica Meir and ESA (European Space Agency) astronaut Sophie Adenot concluded their spacewalk outside the International Space Station at 3:29 p.m. EDT.
NYC Health + Hospitals/Coler Nursing to Receive Top International Honor from The Royal College of Surgeons in Ireland
New York, NY – NYC Health + Hospitals/Coler today announced its Associate Director of Nursing Deepa Vinoo, DNP, RN, GERO-BC, CDP will be awarded a
From Israel to international markets: How geography shapes digital entertainment apps
From local regulations to payment systems and user experience, geography plays a defining role in shaping how digital entertainment apps work across international markets.
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.
Maternal mental health is getting more attention in the medical community
Broward’s Memorial Healthcare System board to vote on CEO position this week
During his tenure, interim CEO Shane Strum has pushed for Broward Health and Memorial to work together.
gamescom 2026’s Steam wishlist winners
gamescom wrapped up last weekend, and it was bloody fantastic. It really felt like the industry had a spring in its step again. The show itself was BUZZING, with 368K attendees (+3% over last year), maxed-out exhibit space, and Opening Night Live pulling over 78M online views (+7.5%). Let’s have a look at the games at the event that brought in the most new Steam wishlists between August 23 and 30. One quick thing before we start, and stop me if you’ve heard this one before, but wishlists are NOT a barometer for launch sales (they’re bookmarks, not baskets is what we always say over here at Alinea). With that aside, wishlists are a nice gauge of hype, so let’s dive in. Witche(r)s and Warlocks take the top two spots The biggest game of the event (by new wishlists, anyways) wasn’t a game at all. It was an expansion. The Witcher 3: Wild Hunt’s upcoming expansion, Songs of the Past, nabbed 451K Steam wishlists by the end of the weekend. It’s a big example of something we bang on about constantly: proven IP with built-in fandom is the most powerful force in this market. But said IP can also ripple into other external success stories (more on that later!). Anyway, Songs of the Past debuted at Opening Night Live, and it’s the first Witcher 3 expansion in over a decade, landing next year after a full Witcher 3 remaster (free for existing owners!) arrives next month. The Witcher 3 has sold around 66M copies, and I’ll be one of those owners jumping back in to refresh myself on the core game (like there isn’t enough to play!), then play the expansion next year. This is all part of CDPR’s plan. The studio is clearly whetting everyone’s appetite for The Witcher 4 in 2028 via a classic bridge strategy. Want more free estimates and insights in your inbox twice a week? Subscribe below! Subscribe Releasing a free 4K remaster next month – followed by a proper expansion in 2027 – keeps IP top-of-mind across a huge gap between content (games-wise, anyway). It kind of echoes Capcom’s evergreen catalogue strategy. And outsourcing co-development to Fool’s Theory (a studio led by trusted Witcher 3 veterans) keeps CDPR’s internal headcount focused on The Witcher 4. #2 by wishlists between Aug 23 and 30 went to another giant IP: Warlock: Dungeons & Dragons, published by Wizards of the Coast and developed by Invoke Studios (a team of ex-Far Cry, Watch Dogs, and Splinter Cell devs). It’s due to launch in 2027, and it looks brilliant so far. It’s a dark-fantasy open world with third-person spell-slinging. It’s a very Witcher-ish aesthetic. As you might expect, 48% of Warlock’s Steam wishlisters have played Baldur’s Gate 3, and 46% have played The Witcher 3. One to watch. For sure! Mash-ups: Anime GTA (!?) and a city-builder for kids (and adults) Ananta took #3 with 302K new wishlists. It’s an open-world game that looks like GTA and Persona had a baby. It was published by NetEase, developed by Naked Rain, and got a trailer at Opening Night Live. I got hands-on at the show, and it wears its influences openly; there’s literal web-slinging (very Spider-Man) and a LOAD of mini-games (Like a Dragon). It’s free-to-play and out in January. For Ananta, Naked Rain is taking the free-to-play, cosmetics-only route. That’s certainly a choice for a single-player open-world game. Without gacha mechanics driving high ARPU, Ananta is betting purely on top-of-funnel reach and long-term retention. This puts pressure on skin appeal when there’s no multiplayer lobby to flex in (although, co-op is reportedly coming later). Want more free estimates and insights in your inbox twice a week? Subscribe below! Subscribe Then there’s Lego Skylines (273K wishlists between Aug 23 and 30), which does exactly what it says on the tin. It’s a cosy Lego twist on the city-builder genre, as shallow or as deep as you fancy (five min quick sesh or ten-hour no-lifer session; latter for me). There’s some family-friendly stuff in there like couch co-op, which is only really viable on console. Iceflake Studios, which Paradox acquired back in 2020 is developing this one. So Paradox is probably looking for a family-friendly onramp to its rad Cities: Skylines games. The overlap there is plain, with 33% of Lego Skylines wishlisters having played Cities: Skylines and 16% Skylines II. There’s no doubt plenty of parents here (and uncles, ahem) planning to indoctrinate the next gen of city-builders. I’ll definitely be playing with my youngest nephew. This one could be big and educational. I’m very curious to see more. Want more free estimates and insights in your inbox twice a week? Subscribe below! Subscribe Mature IP, new and old, rounds out the list As for the rest of the list of gamescom games by new wishlists between Aug 23 and 30: Heroes of Might & Magic III Remake got 189K new wishlists. It remakes the iconic 1999 turn-based-strategy classic in full 3D and 4K. It follows this year’s Heroes of Might & Magic: Olden Era (~1.8M copies sold, as per our estimates), and around a quarter of the III Remake wishlisters have played Olden Era, including 7% of them this month. Wardogs – a $40 PvP shooter – added another 146K to an already massive pile (nearly 1.6M total). It’s published by Team17 and made by Bulkhead. It plays somewhere between the tactical squad stuff of … Squad and the all-out-chaos battlefield of … Battlefield. It’s up to 100 players, and it’s out in about 10 days. It’s already pre-sold over 500K copies on Steam ($16.6M), boosted by a pre-order-only beta. It sold another 70K copies during gamescom, too. Afterworld managed 121K new wishlists. It’s a Paradox-made post-apocalyptic grand-strategy game, and it was announced at the show. It’s a departure from Paradox’s usual historical stuff, and the studio’s first new setting in over a decade. The Paradox purists are into it, with over half its wishlisters having played Hearts of Iron IV (19% this month) and 41% Crusader Kings III (17% this month). Metro 2039 got 110K during the show, tunnelling its total past 1.3M. Nearly 40% of wishlisters have played 2020’s Metro Exodus, the previous mainline title in the series. The Metro novels are Russian, dev 4A Games is Ukrainian, and it’s set in Moscow, so it’s unsurprising that – after the US (17.3% of wishlisters) – the next two countries are Russia (12.7%) and Ukraine (10.0%). The Blood of the Dawnwalker drew in (the blood of) 108K new wishlisters, now totalling an impressive 1.7M (at a $70 price point, though). It’s an open-world dark-fantasy action-RPG set in 14th-century Europe (with vampires!), made by some former Witcher devs at Rebel Wolves. Again, it shows. Over half of Blood of the Dawnwalker’s wishlisters have played The Witcher 3, and its #2 market is Poland, home of Rebel Wolves. That’s that hometown-hero effect we keep banging on about again! And Blood of the Dawnwalker plays very well, by the way. While it looks like a Witcher clone on the surface, it actually brings a lot to the table mechanics-wise. I love the whole time-as-a-currency spin on RPG gameplay. It gives the game a different, refreshing pace. Essentially, you start Blood of the Dawnwalker with a pool of 480 action points spread across 30 days and 30 nights. As for how the game performs, we’ll be posting some numbers next week, so hit subscribe below to get that in your inbox when it’s ready. Subscribe The Witcher’s legacy ripples Make no mistake: on a high level, this was The Witcher‘s gamescom. The #1 game by wishlisters was a Witcher 3 DLC. Warlock is clearly Witcher-inspired – as is Blood of the Dawnwalker, which was made by ex-Witcher devs. There was a lot of other cool stuff on the floor that we’ll no doubt be covering in subsequent newsletters, though! As always, wishlists went through the roof for sequels, remakes, DLC, and licensed IP. As always, though, these wishlists will likely convert to about 5% to 10% of launch-day buyers, with the probable exception of The Witcher DLC – the exception that proves the rule. Either way, we’ve got a nice, diverse list here – one that is very Witcher-y, Paradox-y, and – if you’re a fan of great games on Steam – a bloody good list. We even got a bunch of new IP to get excited for. Great gamescom! Even if we are still processing that unfathomable number of mini Kölsch beers! One more thing: GTA 6 broke the internet (again) Move aside, Spider-Man and The Odyssey (I love you both, really). But the decade’s defining entertainment zeitgeist is round the corner. Unless you’ve been living under a rock, you’ll know that Rockstar dropped an extended look at GTA 6 last week. It was INSANE, the most impressed I’ve ever been by a showcase like this. You can see the budget seeping through every second of the extended look, and this level of game is unobtainable for any other publisher. Everyone’s going nuts, and rightly so. GTA 6 is out in holiday 2026, and it’ll be the biggest entertainment release ever, full stop. For those without a PS5 or Xbox Series console, a $500-$900 console is a big ask in this economy, but GTA will pull a lot of last-generation-console fence sitters over the current-gen fence either way: The autumn timing puts GTA 6 on (digital) shelves for the holidays, meaning a PS5 or Xbox (let’s be honest, mostly the former) will be on many a Christmas and Hanukkah list. Demand will outweigh the struggling supply, though, and PS5 Pros are already sold out and being sold at a markup via scalpers. Every console that isn’t on a shelf is a sale deferred or lost, and worse, it hands scalpers the margin. GTA has cultural clout that reaches everyone. It’s been a mainstream fixture since 2001’s GTA III and its clout has only grown exponentially since then. There’s a touchpoint for every generation alive. The FOMO-word-of-mouth double punch does the rest. Loading... It’ll reactivate the lockdown cohort, the millions who picked up gaming in 2020-21 and churned. GTA 6 will bring them back. Remember when College Football 25 brought a bunch of US gamers to current-gen consoles? GTA will do that globally. Once they’re back (or upgraded), and all GTA’d out, the fresh current-gen-console folks will check out the rest of the current-gen catalogue they missed. GTA Online, if not free to play, will also lead to a boost for PS+ and Xbox Game Pass, another boost for the ecosystem players. Want more free estimates and insights in your inbox twice a week? Subscribe below! Subscribe Even some of the smug PCMR 60FPS crew won’t be able to resist their FOMO and will bite the bullet on a console to play this one early (then double dip). The consoles cost the same as a decent stick of RAM these days anyway lmao… Don’t get me wrong, though. GTA 6 is no silver bullet for the mature console market, but it does prime the current gen for a couple of strong swan-song years. And it’ll also give the consoles more users from which to maximise ARPU. ‘’We are in the latter half of the lifetime cycle of [the PS5],’’ said Sony President and CEO Hiroki Totoki in a Wall Street Journal interview. ‘’That means we do not need to aggressively sell the console today; rather than that, we are focusing on the current revenue from the current user base.’’ The biggest, best premium games always arrive late in a console cycle, so getting more players aboard now, ahead of that content storm (the new current-gen-only Call of Duty included), is a clear win for the platforms. On the Netflix thing, though: let’s all chill out a bit, like. Half my LinkedIn feed was going bonkers treating the reveal debuting on Netflix like it’s the future of entertainment. It wasn’t. It was a six-hour head start, and Netflix left that detail out of the “first-of-its-kind partnership” press release. The extended look hit Netflix at 3pm ET on 27 August, then went up on YouTube and Rockstar’s site for everyone six hours later. And it was all over social immediately, anyways. This reveal was going to reach an untold number of people whether it debuted on Netflix, YouTube, a Times Square screen, or a group chat. The last trailer did nearly half a billion views in a day with no gatekeeper at all. Netflix just stood next to that audience for six hours, borrowing it. It’s was a tidy deal for Netflix, sure. But every outlet on earth was breaking the thing down frame by frame by the evening anyway. Anyway. I’m hype. And we’ll be covering some GTA numbers on the newsletter soon. So hit subscribe below to get that in your inbox when it’s ready! Subscribe The last word Reply to this email – or reach out here – if you have any feedback for the newsletter – or want to request a game for us to cover. [Alinea Analytics boasts the most accurate PC and console estimates in the business. Game makers use our platform to understand their audience, keep an eye on the competition, monitor sales trends, and spot new opportunities. We equip game studios and financial institutions with accurate data and the confidence to make smarter, data-driven decisions. Want to talk about all things games market data? We’d love to chat!]
LZ Sees Surprising Result in Search for Dark Matter
Key Takeaways Dark matter is the mysterious substance that accounts for the vast majority of matter in our universe. LUX-ZEPLIN (LZ) is a world-leading dark matter detector and specializes in searching for WIMPs, or weakly interacting massive particles. A new LZ study found one particle interaction that is difficult to explain with known background processes and could potentially have been caused by a WIMP. LZ continues to run to see if additional data strengthens or weakens the hint of a dark matter interaction. For the better part of a century, people have been trying to understand dark matter. This invisible substance makes up roughly 85% of the mass in the universe but has never been directly detected. Determining exactly what it is remains one of the biggest questions about our world. Now, a new analysis from the LUX-ZEPLIN (LZ) experiment has recorded a single particle interaction that researchers have great difficulty explaining with known background signals from normal matter. The result does not yet meet the statistical threshold required to claim a discovery, but is the most compelling hint of dark matter reported by the experiment to date. LZ is an international collaboration of 250 scientists and engineers from 39 institutions. The detector is managed by the U.S. Department of Energy’s Lawrence Berkeley National Laboratory (Berkeley Lab) and operates nearly one mile below ground at the Sanford Underground Research Facility (SURF) in South Dakota. The experiment uses 10 tonnes of ultrapure liquid xenon to search for dark matter and is optimized to look for WIMPs, or weakly interacting massive particles. The results were presented in a scientific talk at the 2026 TeV Particle Astrophysics conference in Japan. The paper will be released on the online repository arXiv and submitted to the journal Physical Review Letters. “We’re very intrigued to see this event in the data, in the region where we expect dark matter to show up and the competing backgrounds are very low,” said Rick Gaitskell, a professor at Brown University and the spokesperson for LZ. “With only one event, we don’t want to get ahead of ourselves. We are not claiming to have seen dark matter. But we have seen something interesting that we want to share with the scientific community for their input.” The LZ collaboration studies experimental data in batches. In the new result, researchers analyzed 220 live days of data collected between March 2023 and April 2024. The collaboration had previously searched this dataset for faint signals from the simplest kinds of WIMP interactions. The new analysis searched for a broader range of possible WIMP interactions that could deposit more energy in the detector. LZ is particularly sensitive to such signals while also minimizing false positives. “This was a detailed study in a region we hadn’t explored within this dataset, and we spent months of additional effort to understand all the possible causes of background events,” said Sam Eriksen, a senior research associate at the University of Bristol in the U.K. and lead author of the study. “We understand our detector and the backgrounds so well that even a single outstanding event, like the one we found, is important. We expect dark matter events to be extremely rare, so only a handful could mark the first detection of WIMP dark matter.” If the anomalous event was caused by dark matter, the WIMP that generated it would likely have a mass of at least 200 GeV/c2 (gigaelectronvolts), or more than 200 times the mass of a proton. It would also suggest a specific type of interaction between WIMPs and ordinary matter beyond the simplest model. The LZ results have not reached “5-sigma” significance, the statistical threshold considered a discovery in physics. The new analysis is 2.6 sigma, meaning there is approximately a 0.5% chance that the event could be explained by known backgrounds. With additional data, researchers can test whether the finding continues to grow in significance or fades away. LZ has already accumulated the world’s largest dark matter dataset and will continue to accrue WIMP search data at SURF, substantially improving their search statistics. LZ searches for dark matter by looking for signature flashes of light from energy deposited in the detector. The collaboration leverages multiple methods to prevent or account for particle interactions caused by normal matter. This includes the mile of rock that shields the detector from cosmic rays from space, a water tank and outer detectors that protect the central detector from background neutrons, and a suite of computational tools that disentangle particle interactions and reject dark matter mimics. “Outlier events in the data are not unexpected, but they usually stand out as a background of some kind when you look at them deeper,” said Aaron Manalaysay, a physicist at Berkeley Lab and the chair of LZ’s Institutional Board. “This is the first example in any experiment I’ve worked on of an outlier that appears valid in every way. Of course, we’re still twisting our brains trying to think if there’s a rare background mechanism we could’ve missed, but it’s thrilling to wonder if this could be the first hint of a dark-matter observation.” LZ is supported by the U.S. Department of Energy, Office of Science, Office of High Energy and Nuclear Physics, and the National Energy Research Scientific Computing Center, a DOE Office of Science user facility. LZ is also supported by the Science & Technology Facilities Council of the United Kingdom; the Portuguese Foundation for Science and Technology; the Swiss National Science Foundation; the Australian Research Council Centre of Excellence for Dark Matter Particle Physics; and the Institute for Basic Science, Korea. Thirty-nine institutions of higher education and advanced research provided support to LZ. The LZ collaboration acknowledges the assistance of the Sanford Underground Research Facility. ### Lawrence Berkeley National Laboratory (Berkeley Lab) is committed to groundbreaking research focused on discovery science and solutions for abundant and reliable energy supplies. The lab’s expertise spans materials, chemistry, physics, biology, earth and environmental science, mathematics, and computing. Researchers from around the world rely on the lab’s world-class scientific facilities for their own pioneering research. Founded in 1931 on the belief that the biggest problems are best addressed by teams, Berkeley Lab and its scientists have been recognized with 17 Nobel Prizes. Berkeley Lab is a multiprogram national laboratory managed by the University of California for the U.S. Department of Energy’s Office of Science. DOE’s Office of Science is the single largest supporter of basic research in the physical sciences in the United States, and is working to address some of the most pressing challenges of our time. For more information, please visit energy.gov/science.
LG ELECTRONICS AND MARRIOTT INTERNATIONAL ENHANCE TRAVELER ENTERTAINMENT EXPERIENCE WITH NEW GUEST ROOM TECHNOLOGY PLATFORM
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Sony Bravia Theater Trio review: The three-piece soundbar alternative
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ESA, NASA Astronauts Begin Spacewalk for Navigation, Science Maintenance
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Aston Villa confirm double deadline day deal
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Fresno’s hot political month: ballot fiasco, racial slur fallout, DA stabbed, recall Bredefeld?
Here’s your guide to Fresno's chaotic August in politics. Each story and topic explained from dueling tax measures to why a senior DA was stabbed at a campaign ad shoot.
ESA, NASA Astronauts Suit Up for Navigation, Science Maintenance Spacewalk
NASA is streaming live coverage as two astronauts prepare for a spacewalk outside the International Space Station. The spacewalk is scheduled to begin at approximately 8:30 a.m. EDT and last about six and a half hours. Watch online at: https://www.nasa.gov/live
Former Augsburg defender Kevin Danso set for Sunderland switch
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Amazon AI scientist regrets not building an external reputation sooner
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The Roman Space Telescope: The power of science and the bankruptcy of capitalism
The extended international effort to probe the history of the Universe of which the Roman telescope is a part conflicts directly with the continued existence of the profit motive and the nation-state system.
Risky science: why connecting research to application matters
There is not much benefit in producing science that just sits on a shelf. Effective science must extend beyond publication and address real-world needs argues Lynn Johnston, a Forest Fire Research Specialist with Natural Resources Canada and the Canadian Forest Service, in an editorial for the International Journal of Wildland Fire. While reading journal articles […]
Entertainment Look-A-Head: ‘NBA 2K27’, ‘Earle Meets World’, international films
From Sep. 1-7, many films, shows, games and albums will be released. Notably, the hit game series NBA 2K will receive its latest addition.
Bowling and beer: entertainment venue to move into Sacramento’s Downtown Commons
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Northwest Arkansas hospital becomes latest site for state's maternal health program
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Owen Thiele and Jack Innanen on their slow-burn romance in 'Adults' Season 2
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What does the Lindsay Clancy trial tell us about treating maternal mental health?
Lindsay Clancy is currently on trial for killing her three children.Prosecutors say the murders were intentional, but her defense team says she was suffering from severe postpartum psychosis -- a condition that does not have a distinct diagnosis in the Diagnostic and Statistical Manual of Mental Disorders.That's the handbook used to identify mental health conditions, so patients often have a hard time getting proper care.The case has put a spotlight on maternal mental health and how its treated by the public and healthcare professionals. What does it reveal?WBUR’s Deborah Becker contributed reporting to this episode.It was produced by Megan Lim and Karen Zamora, with audio engineering by Éowyn Fain, Hannah Gluvna and Ted Mebane. Our director is Jonas Adams.It was edited by Justine Kenin and Tinbete Ermyas.Our interim executive producer is Courtney Dorning.Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show’s perks include bonus episodes and sponsor-free listening. Learn more at plus.npr.org.
Mayor Brandon Johnson’s business affairs chief stepping down
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Business Owner Charged with Tax Fraud, Wire Fraud Related to COVID Relief Funds
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Illinois Quick Hits: Champaign business owner charged with COVID relief fraud
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Funding Cuts, Public Trust, and AI Dominate Concerns for Physical Scientists, Survey Reveals
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Vending machine brings free Narcan, health supplies to Raytown. How it works
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Hims & Hers offers GLP-1 weight-loss drugs, men's health treatments in Australia
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Dallas Cowboys claim RB Emari Demercado off waivers
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Measles flagged at NC hotel and gas station, health department says
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Exclusive: DHS plans to launch voter fraud investigation surge Tuesday
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Massive KC entertainment center closes after 13 years. ‘So many memories’
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Live Nation Urban Says It’s In The ‘Black Audience Business’
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We need more mega-science projects, says CERN Director-General
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Centre County Sports Hall of Fame has 12 new inductees. Meet the 2026 class
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Science Applications International Q2 Earnings Call Highlights
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Expedition 75 is Go for Tuesday’s Navigation and Science Maintenance Spacewalk
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Lionel Messi retires from international football
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Burrow, Allen lead 2026 Top-20 fantasy football quarterback rankings
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Liverpool complete £123million deal for Bradley Barcola
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Bradley Barcola to Liverpool: France forward who has moved from PSG is quick, strong, versatile, intelligent
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CARES Celebrates 5 Years Providing Alternative Emergency Services in Madison
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Liverpool complete £106m Bradley Barcola signing from PSG
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Contemporary Christian singer, a Dove Award nominee, to play Modesto’s Gallo Center
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Game on: Delta takes sports fandom global with new Sport 24 partnership
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U.S. Special Envoy for Global Partnerships Paolo Zampolli’s Meeting with Uzbekistan's Minister of Sports and National Olympic Committee
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Lauren Cohan on the ‘horrifying’ idea of Maggie and Negan ever hooking up on ‘Dead City’
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Pulsenmore Ltd. Announces Financial Results and Business Highlights for the First Half of 2026
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International Overdose Awareness Day
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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.
Syria continues to normalize with international business fair as credit card payments are back
More than 60 countries attended the fair, including key regional allies Saudi Arabia and Iraq, while Syrian President Ahmed al-Sharaa confirmed that credit cards are available again.
Openings, closings and more Centre County business news you may have missed
One notable development stemmed from a lawsuit seeking nearly $1.2 million in unpaid rent at a State College high-rise.
‘Part of the Tri-Cities.’ 99-year-old business icon still runs her own shop
Alice Bennett runs the rental business she started in 1955.
Modern medicine failed her. She turned to toad venom instead
An increasing number of people are turning to complementary and alternative medicines, and the terms are evolving. Here's what's going on.
German Olympics great Pechstein could see herself in politics
Germany speed skating allround coach Claudia Pechstein could see herself moving into sports politics. "I'm really passionate about my new role right now, I'm putting my heart and soul into it.
York County tax deals spark fierce debate. What will officials do to fix it?
Public officials need a route forward with business incentives, discussing options from going after massive projects to nixing tax breaks.
RB Leipzig set to sign Morocco international from Roma
RB Leipzig have agreed a deal to sign Neil El Aynaoui on loan from AS Roma, according to Sky Germany.The two clubs reportedly reached a verbal agreement on Saturday night, with Leipzig set to pay €4...
Soungoutou Magassa on verge of West Ham exit
Soungoutou Magassa (22) is set to leave West Ham United before the closure of the transfer window. Spain and Italy are the most likely destinations for the France youth international, Foot Mercato und...
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.
Smart ring reads your sweat to measure glucose, ketones, and more
Smart rings are everywhere: smart rings that can record your verbal notes and send them to your cellular telephone for transcription, smart rings that let users pose questions to AI and get answers via earbuds, and smart rings that help athletes reach their peak performance.
Fami。- Hakoniwa (Victor Entertainment/JPU Records)
The bassist of Lovebites, Fami returns with a release of her own material for the first time in five years. Given that in the timespan since 2021’s Sotsugyo, she did join Lovebites, it’s not surprisingly that it’s taken a bit of time to get more solo material out there. Given her spotlight in the international […]
ACR Health hosts rally celebrating International Overdose Awareness Day
International Overdose Awareness Day takes place Monday. ACR Health marked the 25th anniversary on Saturday in Watertown.
ACR Health hosts rally celebrating International Overdose Awareness Day
International Overdose Awareness Day takes place Monday. ACR Health marked the 25th anniversary on Saturday in Watertown.
California legislative leaders, Gov. Gavin Newsom announce utility wildfire deal
“This system needs full structural reform — not a partial one.”
New exhibit to take Sacramento on a trip inside the human body
The traveling exhibition, “Bodies - The Science Within,” features preserved human specimens will arrive in Sacramento this fall.