SCROLL NEWS / DISCOVERY
Search headlines
Find the stories shaping the conversation.
Results for " DMA " 1,628 found 🔀 AI-powered Shuffle
RAMSA’s Chicago Museum of Science & Industry renovation plans move forward
On September 10, Chicago’s Landmark Commission approved renovation plans by Robert A. M. Stern Architects for the Chicago Museum of Science and Industry.
‘Lioness’ alum Michael Kelly joins ‘Landman’ cast for Season 3
FORT WORTH, Texas — Taylor Sheridan is roping one of his longtime “Lioness” actors into “Landman.” Paramount+ announced Wednesday, Sept. 9, that Michael Kelly is joining the oil drama as
“Dark Knight” actor makes rare comment on moment he learned costar Heath Ledger died
Gary Oldman reflected on Ledger’s 2008 death, after he and the Australian actor starred in Christopher Nolan’s acclaimed “The Dark Knight” Batman movie.
Inside Trinity Rodman’s Record-Breaking Soccer Career
Discover how Trinity Rodman built a historic $2 million career, won Olympic gold, and established her own sports empire beyond the U.S. Open courtside.
Leah Friedman Leads With a People-First Approach
Leah Friedman, executive director of the Ryan Shazier Fund for Spinal Rehabilitation, shares her people-first approach to leadership and service.
“Harry Potter” star reveals ‘most extraordinary’ act of kindness Alan Rickman did on set before his death
“He was such a darling like that,” said Sirius Black actor Gary Oldman at the Toronto International Film Festival.
Gary Oldman addresses conflict with Francis Ford Coppola on ‘Dracula’ movie
Gary Oldman addresses his conflict with Francis Ford Coppola on the set of 1992’s ‘Bram Stoker’s Dracula,’ adding that directors are ‘all a bit nuts.’
The candy business or football? Crookston's George Widman V chooses Fighting Hawks
Widman runs UND's scout team while also overseeing the Hawks' equipment operation
State health officials issue vaccine schedule amid ongoing shifts in federal vaccine guidance
Maryland health officials issued a first-ever state vaccine schedule Thursday ahead of the annual flu and respiratory illness season, under a new policy created to buck anti-vaccine messaging from the Trump administration in recent years.
How Matt LeBlanc landed ‘Harry Potter’ star a ‘Friends’ guest role
‘Harry Potter’ actor Gary Oldman revealed how Matt LeBlanc secured him a ‘Friends’ guest spot that later led to an Emmy nomination.
Wrexham set for historic crowd landmark at West Ham
Phil Parkinson says it will feel "very special" when Wrexham play in front of their biggest-ever crowd at West Ham United on Friday.
Physicist does the math on Star Trek’s “Picard Maneuver”
The trick from Next Generation would be even more effective in real life.
Iconic grain elevator headed to auction
A Tri-Cities landmark that has guided travelers, served as an inspiration to artists, and, more recently, played a role in the region’s communications network is up for grabs.
EDM Star Deadmau5 Signs with Independent Artist Group
Deadmau5, the EDM star who has become an event and lifestyle powerhouse, has signed with Independent Artist Group for representation.
EDM and Business Dynamo Deadmau5 Signs With Independent Artist Group (EXCLUSIVE)
Canadian electronic musician Deadmau5 has signed with Independent Artist Group for representation in all areas across music, film, television, digital content, gaming and technology and intellectual p...
Nicole Kidman opens up about making 'Practical Magic 2'
Nicole Kidman talks to The Tennessean about returning as the Owens sisters with Sandra Bullock in the long awaited \
Memos expose secret industry push to kill California plastic laws
Leaked internal memos reveal how a packaging alliance drove a widespread lobbying and marketing campaign to dismantle California’s landmark plastic and recycling laws.
Health officials, auditors at odds over millions in Medicaid payments to inmates
Lawmakers were left frustrated and confused Wednesday after a 2.5-hour discussion with state auditors and health officials turned into a debate over whether millions in Medicaid payments made on behalf of incarcerated individuals were proper.
Statuary brings recognition to businesses
An oversized rooster, a towering sasquatch, or a massive metal eagle might seem like unconventional marketing investments, but Mike Ferguson, owner of Spokane-based Way Out West, has spent over two decades supplying Inland Northwest businesses with statues and large outdoor pieces that are helping turn companies into recognizable landmarks.
Goldman says Treasury buybacks won't be enough to tame bond yields
Treasury yields remained elevated after the department said it would repurchase up to $6 billion of 10- to 20-year debt.
Healthy Living with Northern Light Health: Flu myths
It’s that time of year again. The kids are back in school, football season is well under way, and with that, peak flu season isn’t far behind.
Data Centers Challenge Our Usual Politics
This year, Harvard Magazine featured an article that asserts that the Democrats have lost key tech industry endorsements. Let’s see if that matters.
Is 'Practical Magic 2' worth watching? The sequel took 28 years to happen — and critics say the reunion is complicated.
Sandra Bullock and Nicole Kidman return as the Owens sisters alongside Joey King and Maisie Williams in the witchy cult classic's long-awaited sequel.
Small Business Spotlight: Guitar shop aims to strike a chord
WHAT MADE YOU WANT TO OPEN STRING THEORY GUITARS INC.? ALLISON & LEE WILLIAMS: “We are lifelong musicians with a passion for playing. We love Wilmington and the live music scene here, and we wanted a way to be a part of the music community without having to start work at 9 p.m. We also want to be a destination for residents and musicians performing in and around the downtown area.” WHAT DOES YOUR BUSINESS PROVIDE, AND HOW DO YOU THINK IT HELPS CUSTOMERS? We love Wilmington and the live music scene here, and we wanted a way to be a part of the music community without having to start work at 9 p.m. We also want to be a destination for residents and musicians performing in and around the downtown areaTHE WILLIAMSES: “We’re a true basics-to-boutique destination. If you’re someone who’s just starting out, we can set you up with high-quality, brand-new equipment at a great entry-level price point. When you’re ready for your dream guitar, we can help you design and create a fully custom electric or acoustic guitar to your specifications. We have a broad selection of both guitars and amplifiers for players of every level. We also have a community board in the store to connect bands, students, instructors, repair technicians, and anyone providing a service to the local music community.” WHAT PAST EXPERIENCE DO YOU HAVE THAT LED YOU TO CREATE STRING THEORY GUITARS? THE WILLIAMSES: “Lee has played guitar for almost 40 years, from middle school band to gigging rock bands. Allison has a background in orchestra and musical theater, as well as retail management. We worked together as a husband-and-wife team in manufacturing for many years prior to moving to Wilmington. Having shopped in countless music stores over the years, we set up our shop with the goal of being welcoming and inviting. Our philosophy is ‘if it’s on display, it’s for play.’ No instrument or amplifier is out of reach in our store.” WHAT GOALS DO YOU HAVE FOR GROWTH? THE WILLIAMSES: “We would love to grow the bluegrass and folk instrument segment of our business. We carry banjos, mandolins, resonator guitars, ukuleles and related accessories. We’ve seen and heard plenty of talented bluegrass and folk musicians around Wilmington, and we look forward to expanding our selections to support this growing segment of the local music scene.” WHAT CHALLENGES ARE YOU FACING RIGHT NOW IN YOUR BUSINESS? THE WILLIAMSES: “Getting the word out about our brand and some of the unique brands we represent is a challenge for any new business. Online exposure through the Cargo District, Wilmington Downtown Inc. … and our online following is steadily growing. Our other challenge is the logistics of our streets. Our neighborhood is amazing, and you could spend the entire day walking around the Cargo District. As the District continues to grow, we’re seeing more pedestrian traffic, particularly in crossing 16th and 17th streets. We’ve seen some improvements in traffic calming, but the sooner we can improve safety with crosswalks and pedestrian signals, the more welcoming our neighborhood will be.”
Gracenote Expands AI Product Roadmap with Sports MCP Server, Entertainment SLM and Agents
/PRNewswire/ -- Gracenote, Nielsen's content intelligence business, today unveiled the next phase of its AI product roadmap. Anchored by its Video Model...
Plastics treaty: Cordano presents “Aid to negotiations” but disappoints science
The document released by the INC Chair ahead of the meeting of heads of delegation in Bangkok is an even weaker version of the text already rejected at INC-5.2 a year ago
Luminis cybersecurity incident highlights 'concerning' rise in attacks on healthcare
Cyberattacks on the healthcare industry, like the one that hit an Anne Arundel County hospital last week, are becoming increasingly common and state-level policymakers should prepare for even more, an expert said Tuesday.
The 98 Biggest TV Show Flops, Bombs and Misses in the First Half of 2026
(Welcome to the Entertainment Strategy Guy, a newsletter on the entertainment industry and business strategy. I write a weekly Streaming Ratings Report and a bi-weekly strategy column, along with occasional deep dives into other topics, like today’s article. Please subscribe.) In July, I updated my look at how the “streaming bubble” popped since 2023, showing the decline in streaming TV shows over time. But after compiling and analyzing and writing about over one hundred TV show flops in the first half of 2026—I counted 99 “nominees” and there are even more honorable mentions—I couldn’t have told you that the number of shows is going down. When it comes to scripted, English-language TV shows, it feels like we have as many bombs as ever. I don’t keep a specific count, but some streamers probably had as many flops as they’ve ever had.1 That’s right, it’s time for part two of my analysis of the biggest flops, bombs and misses on streaming in the first half of 2026. Two weeks ago, I took a look at films. Today, TV shows. If you want to read the full methodology for how I assemble this list, you can find it at the bottom of this article. In short, this list is… ...scripted and unscripted TV shows,...from the nine major streamers,...in the US (using US-only ratings),...excluding true crime, kids and foreign-language shows,...that got no/poor ratings,...from Jan-2026 to the end of June-2026. Reminder: this article does not represent my personal opinion—many of these shows are great!—but I follow the data, and a miss is a miss and a bomb is a bomb. Also, price matters. If a TV show costs north of $100 million, it needs to get lots and lots of streaming viewership to justify that budget. As with past editions, I ordered this list by streamer, going from best (fewest flops) to worst (the most misses)—taking the size of the flops into consideration—and like the last edition, three or four streamers vied to take the win/loss of having the most flops. (But the actual winner is no surprise.) I try to avoid tooting my own horn too much, but seriously, in just under 5,000 words (including the methodology section) I provide a mostly comprehensive overview of the eight major streamers (Netflix, Disney+, Prime Video, Hulu, HBO Max, Peacock, Paramount+, and Apple TV) for the first half of the year, mentioning most of their hits and all their misses. It summarizes the entire first half of 2026! If you want to support this work, please subscribe. Subscribe Tubi Big Mood Boarders The Freak Brothers Twenty Twenty Six Honorable Mentions: Busted on Bodycam, Deestroying the Pitch, Destination World Cup 2026 I don’t think that Tubi spends all that much making or (mostly) licensing these original TV shows—Big Mood, Boarders and Twenty Twenty Six all come from the UK—but they’re not free and they didn’t chart anywhere. Winner: The Freak Brothers Have you even heard of this show? It’s an animated comedy...that’s on its third season! And Pete Davidson, Woody Harrelson, John Goodman and Tiffany Haddish all provide voice talent for it. Yes, animated shows don’t cost as much as live action shows, but cheap isn’t free! So a show with this level of talent needs to perform better. Disney+ Daredevil: Born Again Star Wars: Maul – Shadow Lord Honorable Mentions: Behind the Attraction, Donna Hay Coastal Celebrations, We Call It Imagineering Disney+ doesn’t make all that many original shows anymore. They had two flops, and one was animated. Their one not-a-miss show, Wonder Man, got just good enough viewership to not be considered a “miss”...but it’s since been cancelled. At this point, Disney has pivoted entirely away from making big budget TV shows for Disney+ to making...almost nothing for Disney+? Sure, Disney’s spending circa 2019-2022 was unsustainable, but now they’re pivoting too far in the other direction. At some point, Disney needs to stop shifting strategies so wildly. Really, Disney should have made fewer shows for Disney+ at launch and the shows they did make at that time needed to be made at more reasonable budgets. And they should adopt that strategy now. Winner: Daredevil: Born Again Daredevil, the Marvel Comics character, is on my personal Mount Rushmore of favorite superheroes, so it pains me to give him the win/loss today, but this show deserves it. I’ll repeat my hot take from last spring: “Based on his popularity, Daredevil should be in movies, and probably ones that cost a lot less than the MCU’s usual price tag. Disney/Bob Iger/Ike Perlmutter (who, based on reporting, made the decision) made a huge mistake selling TV shows to Netflix in the 2010s, thus limiting this character to the small screen. Daredevil could have anchored Marvel’s post-Infinity War plans, and if he did, the MCU would probably be in a better place than it is now.” HBO Max We’re just getting started with this issue, but the rest is for paid subscribers of the Entertainment Strategy Guy, so if you’d like to find out… What four streamers had the most misses... HBO’s strong start to 2026… The caveat to Peacock’s turnaround this year... Paramount+’s key man problem… What country isn’t delivering hits for Netflix or Hulu... The cavalcade of stars on a streamer where no one is watching their shows... Across nearly 5,000 words of analysis… And a lot more... ...please subscribe! We can only keep doing this great work with your support. If you’d like to read more about why you should subscribe, please read this article about the Streaming Ratings Report, why it matters, why you need it, and why we cover streaming ratings best.
Billy Joel mourns friend and former drummer Jon Small
NEW YORK — Billy Joel mourned the death of his friend and former bandmate, drummer Jon Small, on Monday. He was in his late 70s. “RIP Jon Small,” Joel posted
G.A. Carmichael Family Health Center ribbon cutting set for Wed., Sept. 9
GOODMAN, MS — G.A. Carmichael Family Health Center is proud to announce the grand opening and ribbon cutting of the G.A. Carmichael Community Student Health Center at Holmes Community College…
Methodist Health System Undergoes Wave of C-Suite Moves
Plus: Dude Perfect CEO steps away, new CFOs join Weitzman and Mission Critical Group, the Economic Club of Dallas finds a new executive director, and more.
Months of Pain, Delayed Care: An Asylum Seeker’s Health Crisis in ICE Custody
Mother held at San Diego immigration facility says months of delayed and inadequate medical care have left her with serious kidney infection and worsening pain.
Robinhood Lands Crypto.com Deal, Underwriting Job For Oura. Goldman Hikes Target.
Robinhood takes minority stake in Crypto.com with prediction market deal, to underwrite Oura IPO, reports say. Goldman lifts price target.
2026 Ballon d’Or nominees: Full list revealed
The nominees have been revealed for the 2026 Ballon d'Or ahead of the award's presentation next month.Football's most prestigious individual award will be presented at a landmark ceremony, in what app...
Ministry of Science and ICT and NST unveil post-PBS missions for government research institutes by 2026
New mission-oriented R&D roadmap, portfolio, and governance reforms to be finalized and announced within the year
Academy Sports + Outdoors Announces Participation in Upcoming Investor Conference
Academy Sports + Outdoors (the "Company") (Nasdaq: ASO), a leading full-line sporting goods and outdoor recreation retailer, today announced its participation in the upcoming Goldman Sachs 33rd Annual Global Retailing Conference to be held Monday, September 14 to Tuesday, September 15, 2026. Chief Executive Officer, Steve Lawrence, and Chief Financial Officer, Carl Ford, will participate in a fireside chat that will be webcast live on September 15th, at 11:30 a.m. Eastern Time. The live webcast
From Olympic gold to Goldman Sachs: Ryan Held takes on new challenge in high finance
Ryan Held, two-time Olympic gold medalist, transitioned from highest levels of competitive swimming to Goldman Sachs and relocated to Dallas to build his career in finance.
NOAA Announces Priorities to Promote Science-Based American Seafood Dominance
The priorities serve as an operational roadmap of NOAA Fisheries’ direct support of the President's Executive order on Restoring American Seafood Competitiveness.
Porto vs Manchester City – Match preview and team news
Manchester City begin their 2026-27 Champions League campaign at Porto on Tuesday, the first night of the new league phase and a landmark occasion for Enzo Maresca, who takes charge of a Champions Lea...
David Andrew Goodman is Celebrated for Decades of Continued Success in the Entertainment Sector
September 8, 2026 -- David Andrew Goodman is lauded for his contributions in production lighting at Goodman Grip & Light
Political notes: Ivey co-chairs CBCF, Ausby to Appellate Court, another Haley honored
Rep. Glenn Ivey (D-4th) co-chairs the annual conference of the Congressional Black Caucus Foundation at a challenging time for the caucus, Simon Haley is honored at UMES and Kendra Young Ausby is elevated to an Appellate Court judgeship, in political notes.
For Sandra Bullock and Nicole Kidman, ‘Practical Magic 2’ heals old wounds
Sandra Bullock and Nicole Kidman view “Practical Magic” very differently today than they did when they made it 28 years ago.
For Sandra Bullock and Nicole Kidman, 'Practical Magic 2' heals old wounds
Sandra Bullock and Nicole Kidman view “Practical Magic” very differently today than they did when they made it 28 years ago | WBBM Newsradio 780 AM & 105.9 FM
Business owners and residents excited for reopening of Walnut Street Bridge
One of Chattanooga’s most recognizable landmarks will be open to visitors next month.Last week, the City of Chattanooga announced the Walnut Street Bridge will
Local business owner graduates from Goldman Sachs business cohort
Mara Cunningham founded Youngstown's Yo! Crash--now with national recognition. She was one of 306 female entrepreneurs from around the globe in the 9th Goldman Sachs Black in Business cohort.
Local business owner graduates from Goldman Sachs business cohort
Mara Cunningham founded Youngstown’s Yo! Crash–now with national recognition. She was one of 306 female entrepreneurs from around the globe in the 9th Goldman Sachs Black in Business co…
Local business owner uses Goldman Sachs' cohort experience
Seven years ago, Mara Cunningham left her corporate job and started Yo! Crash, a mobile rage room in Youngstown.
New TV shows to watch this week: Tune in to 'R.J. Decker' on ABC, stream 'The Paper' on Peacock and revisit 'Crazy Ex-Girlfriend' on Pluto TV
Fall TV season is getting underway — starting with Scott Speedman's P.I. procedural, Netflix's "Crew Girl" and Season 2 of "The Paper."
20th Asian Games Aichi-Nagoya 2026: Top stars in action, schedule, sports with LA28 qualifying at play
The landmark 20th Asian Games take place this month in Japan, with LA28 Olympic quota spots at play in a number of sports. Find out some of the star names competing at Aichi-Nagoya 2026 and how to watch the action.
3 Steps to Support Mental Health for Rural Youth
(Feature Impact) Young people face a growing number of pressures, including academic expectations, social responsibilities, complex family situations and uncertainty about their own futures. Mental health support is important for all – but in many rural areas, those pressures are even greater. TNCMS.AdManager.render({region: 'fixed-big-ad-top-asset', slot: 1, fold: "above"}); According to the Centers for Disease Control and Prevention, the suicide rate for rural youth ages 15-19 is 74% higher than their urban counterparts. Barriers like limited insurance coverage, unreliable internet for telehealth, scarce providers, long drive times and lack of public transportation make it harder to get mental healthcare when it’s needed. Plus, asking for help can feel like opening oneself up to judgment and stigmatization.That’s why Rural Minds, the only nonprofit focused on mental health for rural communities, created the Rural Youth Mental Wellness pilot program supported by Boehringer Ingelheim. It was developed by an advisory committee made up of rural youth to provide their peers with practical, free, accessible mental health resources. Incorporating feedback on the pilot, the updated program sponsored by the Sompo Foundation is now launching its national rollout.“A young person’s ZIP code should never determine whether they can access meaningful mental health support where and when they need it,” said Jessica L. Schleider, Ph.D., director, Lab for Scalable Mental Health, Northwestern University. “Our lab is thrilled to partner with Rural Minds as they champion evidence-based, anonymous, freely available support tools designed to overcome barriers to help-seeking faced by rural youth across the country.”If the rural mental health crisis affects you or a loved one, consider these ways to help.Break the Stigma Surrounding Mental HealthIn communities where self-reliance is valued, asking for help can sometimes be viewed as a sign of weakness. Young people who feel unheard and unsupported often struggle with being vulnerable, so they continue carrying their increasingly heavy burdens alone.Parents, educators, healthcare providers, community leaders and peers can work to change that culture by normalizing mental health conversations. This includes helping teenagers feel seen and accepted by educating them on mental health issues and coping strategies, listening to their experiences without judgment, sharing your own stories and reminding them it’s courageous to seek support.Consider Single-Session InterventionsThe first step is always the hardest when it comes to seeking mental health support, and not every struggling young person is ready or able to see a therapist. With access to free, confidential, self-guided materials to begin building mental wellness skills, the first step may be less scary. TNCMS.AdManager.render({region: 'fixed-big-ad-middle-asset', slot: 1, fold: "span"}); Single-Session Interventions (SSIs) are brief, structured online courses designed to teach youth practical skills for handling stress, low mood, self-image and more. The Rural Youth Mental Wellness Program offers SSIs in partnership with Project YES (Youth Empowerment and Support), a free digital resource developed with Northwestern University’s Lab for Scalable Mental Health at the Feinberg School of Medicine.Anonymous access to SSIs through the partnership provides strategies for:Improving moodRethinking body imageReframing negative thoughtsKnowing your power to changeTaking steps toward goalsProtecting LGBTQ+ prideHandling self-harm urgesStaying safe amid dark thoughtsEach SSI typically takes 5-10 minutes. Although SSIs are not a replacement for therapy, they provide a research-backed source of support for young people experiencing bouts of stress or low-to-moderate distress.Know When to Seek Professional HelpSelf-guided resources and supportive conversations are a valuable starting point, but sometimes young people need qualified professional help. Look for symptoms like worsening mood or behavior, substance use, self-harm or difficulty managing everyday tasks, and take teens seriously when they express dark feelings.Doctors and counselors can provide personalized support for youth in crisis, and the 988 Suicide and Crisis Lifeline offers free, confidential 24/7 support for mental health by dialing 9-8-8.“I grew up in a small town where mental health was almost taboo,” said committee member Asheton Medlin. “Being part of the committee that built this program let me help make sure rural youth today have the support I didn’t. I’m excited to help bring these resources to them because this generation deserves the chance to grow up and change the world.”Find more information at RuralMinds.org.Photos courtesy of Shutterstock TNCMS.AdManager.render({region: 'fixed-big-ad-bottom-asset', slot: 1, fold: "below"});
Virginia Tech news: James Franklin blasts 'un-American' flag thrown
The James Franklin era at Virginia Tech has begun. Franklin got to enjoy the Enter Sandman entrance for the Hokies for the first time as the head coach. His team was also dominant, winning 73-3 over VMI. In the third quarter, Marcellous Hawkins Jr. scored on a two-yard run, putting the Hokies up 58-0. Hawkins then went up to one of the members of […] The post Virginia Tech news: James Franklin blasts 'un-American' flag thrown appeared first on ClutchPoints.
Dancing in the streets to celebrate the Arcada’s 100th
From “Twist and Shout” to just “The Twist,” they were dancing in the streets Sunday when hundreds gathered in downtown St. Charles to celebrate the landmark Arcada Theatre’s 100th anniversar...
Tommy Edman’s Hot Streak Inspires Dodgers Amid Shohei Ohtani Absence
Los Angeles Dodgers utility man Tommy Edman hasn't missed a beat since taking over the leadoff spot during Shohei Ohtani's absence.
Sean McVay feels 'really good' about Rams' inside linebackers
Sean McVay has a ton of confidence in the Rams' inside linebackers, led by Nate Landman and Omar Speights.
Dodgers notes: Shohei Ohtani, Tommy Edman, pitching staff
Shohei Ohtani has been absent from the Dodgers lineup for three consecutive games. So far the team has had no problem picking up the pieces, as the team is currently on a three-game winning streak with a chance to sweep the Washington Nationals on Sunday. Ohtani hasn’t been his usual self over his last 12 […]
Revitalizing Mississippi Food Systems for Health and Equity
Food is Medicine programs and local non-profits are uniting to tackle chronic disease and build more sustainable Mississippi food systems.
Overnight News Digest: Science Saturday, 9/5/26
Welcome to the Overnight News Digest with a crew consisting of founder Magnifico, regular editors side pocket, maggiejean, Chitown Kev, eeff, Magnifico, annetteboardman, Besame, jck, JeremyBloom…
Tokyo University of Science develops 137 MJ/m3 tough glassy polymer
Researchers combined bulky DMAP counterions with an ionic comb polymer to achieve both high stiffness and toughness while suppressing nanoscale phase separation.
Packers Insider Reveals Plans for Packers’ New Trade Addition
With the Green Bay Packers adding second-year running back Kaleb Johnson via a trade, there is a serious question about how he will fit into the running back room. Josh Jacobs will be out for the foreseeable future on the Commissioner’s Exempt list, and the pecking order behind him is questionable. Matt Schneidman of The […] The post Packers Insider Reveals Plans for Packers’ New Trade Addition appeared first on HEAVY.
Fast business funding: Big fees, few protections for merchant cash advances
A Colorado man says he lost $4,000 after applying for online business funding tied to Goldman Financial. Denver7 Investigates examines merchant cash advances, complaints, fees and industry oversight.
New Kansas initiative aims to keep mental health patients out of police cars
Kansas launches $2.46M search for statewide behavioral health transport network.
Rams' Defender Named Surprising X-Factor for 2026 Season
Los Angeles Rams linebacker Nate Landman has been pegged as the team's "X-factor" for the 2026 season.
Studies Link New Mexico Drilling to Radiation, Air Pollution, Health Risks
Small towns in the Permian Basin have become a petri dish for the perils of living amid the nation's largest oil fields.
Leaked iPhone roadmap reveals plans for larger foldable, ‘biggest overhaul,’ more
Apple is launching new iPhones next week, and a Bloomberg report today details what to expect from those models as...
Maria Bartiromo Denies Fox Firing, Retains Bryan Freedman As Attorney
"The irresponsible reports that have been published stating that Maria Bartiromo was fired or is no longer an employee of Fox are absolutely and unequivocally false," Freedman said.
Global Content Industry Leaders Gather to Discuss ‘Multilateralism for the Moving Image’ at France’s Lumiere Summit
Hollywood heavyweights and top players in content and exhibition from around the world will gather in Saint-Paul-de-Vence on Sept. 7 for the landmark Lumiere Summit that aims to explore the future of ...
Nicole Kidman & Sandra Bullock on Reuniting for 'Practical Magic 2' & the Fans Who Made It Happen
Executive Liquidates 2,900 Shares of Entertainment Stock, Valued at More Than $525,000
Capo's $534,000 liquidity event reduces his direct stake by 25%, leaving him with $1.6 million in remaining holdings as the stock maintains momentum.
Hangarfest returns to Hagerstown with breast cancer fundraiser
Hangarfest returns Sept. 26 at Rider Jet Center with live music, food trucks and fundraising for breast cancer support programs.
Goldman Sachs leader praises Texas as 'business-friendly’ state
FOX Business correspondent Lauren Simonetti speaks with Goldman Sachs Dallas head Aasem Khalil about the influx of businesses to Texas on ‘Mornings with Maria.’
Apple’s big roadmap for new Mac and iPad models revealed: report
A new report from Omdia offers fresh details on Apple’s roadmap for new Mac and iPad models in the years ahead. Here’s what it says is coming.
‘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.
Apple Reportedly Planning All-New MacBook Model Between Air and Pro
Apple may introduce an entirely new 13.8-inch OLED MacBook model in 2029, potentially creating a new product tier between the MacBook Air and MacBook Pro, according to an updated product roadmap from research firm Omdia. The firm's latest roadmap sandwiches a new 13.8-inch MacBook between the projected time line for the Air and Pro models.
Business Briefs: Sept. 4, 2026
Garden Cinemas plans special events for ‘Practical Magic 2’ release GREENFELD — The Garden Cinemas is bringing “Practical Magic 2,” the long-awaited PG 13 sequel to the 1998 classic starring Sandra Bullock and Nicole Kidman, to the city not only through a themed float in the Franklin County Fair Parade, but with two events. “Practical […]
Kustom Entertainment Provides Strategic Roadmap and Anticipated Operational Synergies for Pending Acquisition of TFL, LLC
Follow-up Release Details TFL’s Multi-Channel Revenue Streams, Expected TicketSmarter Alignment, Festival Integration, and Casino/Resort Expansion...
The New York Times Hires STAT’s Eric Boodman as National Science Correspondent
The New York Times has hired STAT journalist Eric Boodman as its national science correspondent, a new position on the... Read More
German far-right party targets iconic Bauhaus school ahead of landmark state election
Nearly a century after the Nazis shut down Germany's world-famous Bauhaus school of design, the art movement has once again become a cultural battleground.
Family-owned Westwood business Sarah Leonard Fine Jewelers closes after nearly 80 years
Sarah Leonard Fine Jewelers, one of the oldest family-owned businesses in Westwood, closed Saturday. Sarah “Sunny” Friedman and Leonard “Lenny” Friedman opened the store, located at 1055 Westwood Blvd., in 1946 under the name Crescent Jewelers.
Oregon Sports Talk: GAME WEEK for Ducks and Beavers
Sports Director Erin Slinde and sports anchor De'Aundre Sanders break down everything you need to know heading into game week for for both Oregon and Oregon Sta
In landmark ruling, court declines to break up Google’s advertising business
In landmark ruling, court declines to break up Google’s advertising business - SiliconANGLE
Cook County Department of Public Health Launches Building Healthier Communities 2030, a Community-Driven Roadmap to Advance Health Equity Across Suburban Cook County - Cook County Department of Public Health
Today, Cook County Department of Public Health launched Building Healthier Communities 2030, suburban Cook County’s Community Health Improvement Plan. The plan was announced together with Cook County Board President Toni Preckwinkle, Cook County Department of Public Health, community organizations, healthcare providers and cross-sector partners. Building Healthier Communities 2030 serves as both a collective vision and a practical roadmap that will guide public health efforts across suburban Cook County through 2030.The plan aligns with President Preckwinkle's Policy Roadmap and reflects a shared commitment to advancing health equity through coordinated, community-informed action.
First challenge to prediction markets reaches Supreme Court
New Jersey on Wednesday asked the Supreme Court to shut down prediction markets in the state, teeing up a potential landmark case where the justices could decide if the highly popular but controversial industry can survive in its current form.
First challenge to prediction markets reaches Supreme Court
(CNN) — New Jersey on Wednesday asked the Supreme Court to shut down prediction markets in the state, teeing up a potential landmark case where the justices could decide if
Lacking Visitors, 200-Year-Old Science Landmark to Close
Philadelphia's Academy of Natural Sciences museum will shut its doors Sept. 30
A pro soccer star's struggle highlights youth sports risks » Yale Climate Connections
Young people often lack the medical resources available to professional athletes when heat and smoke create hazardous conditions.
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
Advocates relieved, businesses concerned about long-awaited launch of paid leave
State officials announced the launch Tuesday of the long-awaited family leave policy that will let Marylanders take up to 12 weeks of paid leave to nurture a newborn baby, take care of loved ones or manage their own significant medical challenges.
Health officials lift Boardman River no-contact advisory after sewage leak
GRAND TRAVERSE COUNTY, Mich., (WPBN/WGTU) -- The Grand Traverse Health Department has lifted the public health alert for the Boardman/Ottaway River that was iss
Progressive Rep. Ro Khanna to headline Des Moines political fundraiser
Progressive U.S. representative and potential 2028 presidential candidate Ro Khanna is returning to Iowa for an event just weeks before Election Day.
Top Science Journal: All Scientists Should Register With the State
It would be a means of controlling who is allowed to “do” science and the ability to determine what can be communicated to the public.
Venice Film Festival turns to politics as Hollywood retreats
Hollywood is struggling with an industry crisis and has largely withdrawn from this year's Venice Film Festival, making way for a programme steeped in global politics and social upheaval, the event's director said on Tuesday.
Three Ways a Pulmonary Fibrosis Lung Health Navigator Can Support You
In July 2025, the Lung Association, with support from the Feldman Family Foundation, launched the Pulmonary Fibrosis Lung Health Navigator program.
The Fashion Politics Of Nicole Kidman’s Pieter Mulier Versace Debut
At the Los Angeles premiere of ‘Practical Magic 2’, Nicole Kidman offered the first glimpse of Pieter Mulier’s vision for Versace.
Scientists added sulfuric acid weekly to an Ontario lake for 17 years, lowering pH from 6.8 to 5.2; decades later its lake trout population remains below half its former level
A lake in northwestern Ontario became the setting for a landmark experiment on the effects of acid rain. For 17 years, scientists deliberately added sulfuric acid to Lake 223 every week, gradually changing the water's chemistry to mimic the effects of acid rain that was damaging lakes across North America and Europe.
Probabilities Archive: Gene Wolfe (1931-2019), Science Fiction Grandmaster, 1982
The acclaimed science fiction/fantasy writer Gene Wolfe died in 2019 at the age of 87. In this interview recorded in 1982, he discusses his interest in science fiction, as well as the writing of his early novels. He’s interviewed by Richard A. Lupoff, Lawrence Davidson & Richard Wolinsky. Digitizing, remastering & re-editing by Richard Wolinsky in 2019. (photo from 2014, wikimedia)
How Dolly Parton helped after Reba McEntire’s band died in plane crash
Remembering how Dolly Parton helped her friend Reba McEntire after the “Fancy” singer’s bandmates died in a 1991 plane crash.
Randy Quaid slams Anne Hathaway as ‘horrible choice’ for ‘Days of Thunder’ sequel
OG ‘Days of Thunder’ star Randy Quaid says Tom Cruise should ditch Anne Hathaway and reunite with his ex-wife Nicole Kidman for the 2028 sequel film.
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.
Xero Adds AI, Google Targets Law Firms And Claude Beats ChatGPT: 5 Small Business Tech Stories
Xero adds AI tools, Google expands Gemini for law firms, LinkedIn fights AI slop, Goldman warns of AI risks, and Claude tops user satisfaction.