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Folarin Balogun omitted from Monaco’s Europa Conference League squad
AS Monaco have announced the squad for their upcoming UEFA Europa Conference League campaign. Folarin Balogun has been notably omitted from the squad. It comes following the breakdown of his move to E...
'Feisty' Doyle an all-round package for Wrexham
Wrexham assistant manager Steve Parkin described Callum Doyle as an "all-round package" following the defender's impressive start to the campaign. The former Manchester City defender has excelled since forcing his way into the side midway through last season. According to WhoScored.com, the centre-back ended the 3-0 victory over Millwall on Wednesday night having made one dribble, one tackle and three interceptions (more than any other Wrexham player) in addition to winning three aerial duels and two free-kicks.
Analysis | Ken Paxton and the politics of timepieces
Ken Paxton campaigned while wearing a very expensive watch, some political observers believe. Will it hurt his race?
Preview: Leeds United Women vs Huddersfield Town Women
Leeds United Women are back on home turf on Sunday, welcoming Huddersfield Town Women to the BD Community Stadium for a FA WNL Cup Group Stage Clash.The Whites opened their Group T campaign last Thurs...
Official: Lazio Omit Two Defenders From Serie A Squad List
Lazio have handed the Lega Serie A their squad list for the 2026/27 campaign, and it doesn’t include either Patric or Luca Pellegrini.The RulesWith the summer transfer window now behind us, Serie A ...
How Motherwell's blueprint is defying second-season syndrome
New faces, same identity. Motherwell's approach has fans dreaming of a campaign that surpasses the highs of 2025-26.
Werder Bremen vs RB Leipzig preview: Another tough early test
Werder BremenIt was a woeful start to the Bundesliga season for Werder Bremen.They were not given an easy matchup, forced to travel to European outfit SC Freiburg, who had already begun their campaign...
Ospreys and bunker, campaign politics, tax breaks for builders
Reader letters to Newsday.
PSG vs Monaco – Predicted lineup and team news
PSG are ready to host Monaco at the Parc des Princes on Friday evening, marking their first Ligue 1 home fixture of the campaign.Luis Enrique’s side come into this clash hoping to move past a surpri...
Missouri candidate allegedly wanted campaign manager to plant cocaine in opponent’s car
The state’s GOP chairman called the allegations “serious and deeply troubling” and said Republican Thomas Christopher Ross should immediately drop out of the race.
GOP candidate gets busted trying to plant drugs on his political rival
Thomas Ross allegedly conspired to plant cocaine and Adderall in his Republican rival's purse, but his campaign manager wore a wire for the FBI.
Trump promises to campaign for Republicans and says they have a winning midterm message
Voters' dim views of the economy and the war in Iran have put Republicans in a tough spot as the midterm election season enters its final stretch.
CT Legislature, United Way Join Forces On Youth Mental Health Campaigns
According to Department of Children and Families Commissioner Susan Hamilton, more than 3,100 youth have been seen in the crisis centers since they opened, with over 700 seen in the last year alone. Youth overwhelmingly report improvements in their condition after discharge from the centers.
Trump administration says agencies may stop working with the Smithsonian
The Trump administration has suggested federal agencies may stop working with the Smithsonian Institution if its leadership does not change, ramping up a monthslong pressure campaign to align the world’s largest museum complex with its views.
Trump promises to campaign for Republicans, says they have winning message
On Wednesday, he pledged to campaign in about three dozen contests that could determine control of Congress
Graham Platner no longer scheduled to speak at Labor Day rally
Former Democratic Senate nominee Graham Platner is no longer set to speak at a Labor Day rally when he makes his first major public appearance since ending his campaign against Republican Sen. Susan Collins of Maine.
Cardinals rumors: Arizona making progress on Michael Wilson contract extension
The Arizona Cardinals are in for a rough 2026 campaign . After a tumultuous 2025 campaign, Arizona is still quite far from light at the end of the proverbial tunnel. While they have some intriguing pieces on their roster, it’s unfortunately not going to be enough to contend in the best division in the NFL this year. That being said, the best thing […] The post Cardinals rumors: Arizona making progress on Michael Wilson contract extension appeared first on ClutchPoints.
Trump says he’ll campaign for Republicans in 35 races ahead of the midterms
The president said he’ll travel to help out GOP candidates in competitive contests, including the Senate races in Alaska and Texas.
West Virginia, Coastal Carolina open season amid QB questions
Rich Rodriguez aims to rebound from a 4-8 campaign in Morgantown, while the Chanticleers kick off the Ryan Beard era with a revamped roster featuring 43 transfer portal additions.
Trump promises to campaign for Republicans and says they have a winning midterm message
President Donald Trump is urging Republican lawmakers to run on his White House record despite his sagging popularity.
GOP ads contradict Trump’s rosy view of the economy
For months, President Donald Trump has falsely claimed that consumer prices are falling ahead of this year’s 2026 midterm elections. Now some Republican candidates are running campaign ads that acknowledge reality. CNN’s Daniel Dale reports.
Chicago alders request hearing on promotional campaign featuring Mayor Johnson
A group of Chicago alders is raising concerns with a "World Business Chicago" campaign featuring Mayor Brandon Johnson. Many have said the promotions look like campaign ads.
Graham Platner no longer scheduled to speak at Labor Day rally
Former Democratic Senate nominee Graham Platner is no longer set to speak at a Labor Day rally when he makes his first major public appearance since ending his campaign against Republican Sen. Susan Collins of Maine.
South Carolina, Shane Beamer open critical season vs. Kent State
Coming off a 4-8 campaign, the Gamecocks turn to dynamic quarterback LaNorris Sellers to set the tone in Saturday's opener against Dru DeShields and the visiting Golden Flashes.
Trump’s first midterm ads are heavy on ‘me’
President Donald Trump’s extremely well-heeled political operation has begun an advertising campaign ahead of the 2026 midterm elections that Republicans have been eagerly awaiting.
Dem megadonor among 400 Jewish Michiganders labeled AIPAC insiders for denouncing El-Sayed's leftist campaign
Over 400 Michigan Jewish Democrats signed a letter backing Mike Rogers, but former Rep. Andy Levin claims AIPAC is really driving the effort.
Sadie Sink channels 2000s pop diva in sexy Calvin Klein campaign
Sadie Sink is channeling her inner pop star in a sexy new campaign for Calvin Klein.
People-First Executive Drives Community Effort to Improve Health in Kansas City
KANSAS CITY, September 2, 2026 — Through the American Heart Association’s Heart of Kansas City campaign, Mark Garrett, volunteer chair and Chief People Officer at Garney will lead community-wide efforts to help ensure every individual in Kansas City has...
El-Sayed walks political tightrope in Michigan with Hasan Piker
Abdul El-Sayed is walking a political tightrope in the Michigan Senate race as the Democratic nominee enters the final stretch of his campaign, looking to shore up support among skeptical Jewish vo…
Indiana University Athletics and JLab Announce Partnership Extension as Part of Jlab’s 2026-27 College Sports Campaign
BLOOMINGTON, Ind. — Indiana University Athletics and JLab have announced the expansion of their successful multi-year partnership, marking JLab's ongoing sup...
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
Walk in Central Park with Bill Ritter in CaringKind, ABC7 brain health campaign
The watershed moment of the campaign will happen on Saturday, Oct. 17, at CaringKind's 38th annual Alzheimer's Walk & Brain Health Day in Central Park.
Double Fine will finally make Brutal Legend 2, but only if its new Kickstarter campaign reaches an almost impossible $100m
Brutal Legend 2 might finally happen after 17 years, but only if Double Fine can make a near-impossible $100m on Kickstarter for the open-world sequel.
Meet Taylor Swift and Travis Kelce's new dog. She's already a model.
Taylor Swift and Travis Kelce’s dog stepped into the spotlight with a starring role in Kelce’s new Tommy Hilfiger campaign.
JD Vance calls Michigan Senate candidate El-Sayed 'evil' at campaign rally
El-Sayed faces Trump ally Mike Rogers in what has quickly become a senate race characterised by personal attacks and insults between the two.
Amendment 71: New Opportunity: A.16 Cryosphere
A.16 Cryosphere solicits high-impact efforts focused on sea ice, ice sheets, and glaciers. The expectation is that proposed investigations will use the wealth of data from NASA satellites and airborne campaigns to address the most urgent and impactful topics in cryospheric science, as identified in the National Academy of Sciences Decadal Survey, Thriving on Our Changing Planet: A Decadal Strategy for Earth Observation from Space (2018), https://www.nap.edu/catalog/24938.
Pages - Maryland Department of Health recognizes National Preparedness Month with social media campaign
An official website of the State of Maryland.
Double Fine Will Develop 'Brütal Legend 2' if it Hits $100M Kickstarter Stretch Goal
In a new Kickstarter campaign, now-independent Double Fine has said it will develop Brütal Legend 2 if it reaches a $100 million stretch goal.
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.
I helped build Obama's 2008 campaign. Democrats aren't ready for 2026.
The most dangerous political misinformation of the 2026 midterm election may not go viral. You may never see it at all.
Ureña continues dominant rookie campaign, offense finally wakes up
The Angels snap their seven-game losing streak on the back of another dominant performance by Walbert Ureña and an offensive breakout.
minogue healey campaign event picture
Tara Healey, Governor Maura Healey’s younger sister, confidante, and longtime political adviser, attended GOP candidate for governor Michael Minogue’s campaign event on Plum Island on Sunday.
Scott Brown Was a GOP Star. Will It Matter in the New Hampshire Senate Race?
Scott Brown is chasing the political limelight again with a seemingly improvised Senate campaign.
Republican Candidate in Key House Race Bet on Her Own Campaign
The trading platform Kalshi issued a three-year suspension to the candidate, Laurie Buckhout, and fined her nearly $2,600. Ms. Buckhout said she had made a “dumb mistake.”
"Let data reign": Trump and AI investors wage campaign to save data centers
"If we kill the Golden Goose, you will only have yourselves to blame," Trump warned.
Republicans ask Supreme Court to let them air TV ads for less
Republican campaign groups – supported by the Trump administration – asked the Supreme Court on Monday to let them purchase television advertising at discounted rates
Trump admin shuts down 270 driving schools in fraud crackdown
President Donald Trump's administration continued its nationwide campaign against fraud with new announcements targeting trucking fraud in Detroit.
Puck Drop Preview: 2026-27 Chicago Blackhawks
Last Word On Hockey‘s Puck Drop Previews are back for the 2026-27 season! As the regular season approaches, Last Word will preview each team’s current outlook and stories to watch for the upcoming year. We’ll also do our best to project how things will go for each team throughout the campaign. Today, we’re previewing the 2026-27 …
Pro-AI group jumps into the data center fight with new ads aimed at reshaping public opinion
The nonprofit group Build American AI is launching a multimillion-dollar ad campaign in Kansas, Ohio and Wisconsin to promote its data center agenda.
Data centers \'exploded\' in Pa. politics this year. How will it impact Lancaster County\'s 36th Senate District race?
Voters across the country are being inundated with campaign advertisements about data centers and artificial intelligence ahead of the November midterm election, including in Lancaster County’s highly competitive 36th Senate
Lawmakers send bills to Newsom shoring up ballot security, transparency for paid political posts
California lawmakers on Sunday approved bills aimed at preventing interference in this fall’s midterm elections and requiring more transparency from social media influencers who are paid by political campaigns.
Trump still teases a third presidential run, but he's talking more and more about life after 2028
Donald Trump frequently hints at a third presidential run, even wearing 2028 campaign hats.
Between Two Bruins: Daily Bruin Sports answers the top questions about the 2026 season
UCLA football is days away from opening the 2026 campaign against former Pac-12 rival California. Daily Bruin Sports gathered some of the biggest questions surrounding the squad in its first season under coach Bob Chesney.
Why Republicans are focusing on transgender issues in competitive 2026 campaigns
Campaign ads in several midterm elections portray Democrats as “radical” on transgender youth medical care and sports participation. Republicans are leaning on a strategy that proved successful in 2024.
Bold predictions for Colorado football entering the 2026 season
Here are a few bold predictions from the Buffaloes Wire staff ahead of Colorado's 2026 campaign.
Politics Now: August 29, 2026
This week on Politics Now with host John Langeler: Nevada sues over the Colorado River plan House Speaker Michael Johnson campaigns in Las Vegas Nevada Senator Catherine Cortez Masto on escalating …
Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices
Hey all, Jason here. When this hits your inbox, I should be en route to the airport — not to go anywhere myself, just to pick up my better half. I must admit, it’s been strange to be home alone (well, with two dogs) for two weeks! Really lets me “optimize” to spending more time on reading/writing/working, whether that’s healthy or not! Looking forward to getting back into a (somewhat) more balance routine. Subscribe or Support by Upgrading Compare Notes With the People Who Built Modern Fintech Partner content: Remitly CEO Sebastian Gunningham. Increase founder Darragh Buckley. Linda Du, Co-founder & President at Valon. They’ll unpack the decisions behind building and scaling major financial products: what they got right, what broke, what they would do differently, and how AI and new infrastructure are changing the operator playbook. Most events tell you where fintech is going. NerdCon puts the people who built the present in the room and asks them what comes next. Expect an operator-led conversation grounded in real products, real trade-offs and lessons earned the hard way. Fintech Business Weekly readers save 20% on Regular tickets with code FBW20 before standard pricing ends September 11. Meet the Builders Things To Know & Other Good Reads Advent and Stripe Abandon $50 Billion Pursuit of PayPal (Bloomberg) Trump Family’s New Crypto Bank Is Backed by Abu Dhabi Sheikh (Wall Street Journal) The multiplying risks of financing data centres (FT) Let the Bond Market Speak (Wall Street Journal) Did we waste a crisis? Modest proposals to reform deposit insurance. (Fintech Takes Banking) Untangling Guggenheim: How Private Credit Built Its Own Universe (Net Interest) The Hater’s Guide To Circular Financing — Part One (Ed Zitron) Fiat Ventures Rebrands to FGV Capital, Announces $35M Oversubscribed Fund II (BusinessWire) Socure Announces Strategic Growth Investment at $5.2B Valuation and Acquires Agentic Operations Platform Fravity (Socure) Listen: When Consumer Protection Disclosures Work Too Well (Consumer Finance Monitor Podcast) Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices When Andreessen Horowitz led EarnIn’s $39 million Series B in 2017, Alex Rampell, a partner at the storied venture capital firm, described EarnIn’s small-dollar advance product as “free,” relying on “entirely on voluntary contributions instead of fees.” Rampell favorably compared EarnIn’s approach to typical payday loans, writing, “Payday loans historically have had the potential to be a slippery slope for consumers into financial distress: opaque systems and steep fees that are hard to repay and set individuals back further than where they started. For many Americans living paycheck to paycheck, that kind of slide into debt can be extremely difficult to recover from.” But EarnIn’s product — which, the company says, isn’t a “loan,” legally speaking — ends up being anything but free for most users. While it is technically possible to take a no-fee advance from the company, most users incur “Lightning Speed” (instant funding) fees and/or ostensibly optional tips that combined can equate to annualized percent rates that can reach over 1,000%. With an average term of 9.77 days, even fees and tips that are small on an absolute dollar basis are equivalent to high APRs on an annualized basis. A lawsuit filed last week by Colorado Attorney General Phil Weiser against EarnIn describes the company and its product and business practices quite differently than Andreessen’s Rampell; “EarnIn’s business practices are unfair because they are immoral, unethical, oppressive and unscrupulous,” the complaint, filed in District Court in Denver, Colorado, says. EarnIn’s marquee product, Cash Out, isn’t a loan, the company says, as Cash Out is not “[f]orward [l]ooking” because “[t]he money is transferred based on earnings to date,” does not carry a mandatory fee to access funds, and is “non-recourse,” meaning EarnIn cannot pursue recovery from users who don’t repay advanced funds. EarnIn is sometimes referred to as an “Earned Wage Advance” service. Though, unlike some others in the broader category, EarnIn does not integrate with employers’ payroll or time and attendance systems. Rather, EarnIn attempts to verify a user’s income and employment, by examining direct deposit transaction data in their linked external bank account, by using GPS location and Bluetooth data to estimate a user’s time spent at work, if they work in a fixed location, and/or by having a user provided a work email address. While repayment is theoretically optional, as EarnIn would have no recourse, such as reporting non-payment to the credit bureaus or a collections agency, this is anything but clear to users of the EarnIn app, Colorado’s complaint argues. During the process of taking a Cash Out, users must agree to a preauthorized debit of the amount advanced, plus any expedited funding fee and/or tips. Though users technically can revoke this ACH authorization, the fact that they have this right isn’t presented to users during the Cash Out process, but rather is included in linked terms and conditions few users are likely to actually read. And users who do wish to revoke their ACH authorization must do so three or more days before the scheduled transaction date by emailing EarnIn’s customer support. Similarly, EarnIn’s marketing claims that it carries “no interest” and “no mandatory fees” is technically true, but is not the reality for many of the app’s users, the Colorado complaint argues. Further, EarnIn has extensively marketed to users the ability to “access your pay today,” to get “instant” funds, and to get funds “the same day you work” — when, in reality, this speed of access was only possible by paying the additional, undisclosed Lightning Speed fee. The Colorado complaint highlights this contradiction specifically, noting: EarnIn tells consumers that they can ‘Make any day payday with EarnIn’ and that there no ‘hidden’ or ‘mandatory fees.’ For a consumer to access their pay on the same day requested, they would have to pay the Lightning Speed fee. In the fine print of the advertisement EarnIn discloses that ‘[f]ees apply to use Lightning Speed,’ a direct contradiction to the larger text of the advertisement, and a fact that would not be immediately understood by a consumer as ‘Lightning Speed’ is not defined nor explained. Like other small-dollar lending services, rather than explicitly charge interest, EarnIn collects a markup on the optional Lighting Speed fee, which, given the nature of the transactions, many users opt for, as well as offering users the option to leave “tips.” EarnIn leverages either Real-Time Payments (RTP) rails or push-to-card via debit rails if a user opts for the optional Lightning Speed. But while these capabilities cost EarnIn, on average, $0.075 or $0.20 per transaction, respectively, EarnIn charges users significantly more. Initially, EarnIn charged as little as $1.99 for Cash Outs up to $24. But EarnIn has hiked these fees multiple times, and now charges $4.99 for Cash Outs up to $75 and $6.99 for those over $75. According to the Colorado complaint, EarnIn leverages “dark patterns” to manipulate users and to make it more difficult to avoid tipping. Examples of these “road blocks” highlighted in the complaint include: As of 2023, in the EarnIn app, a consumer attempting to get a loan under the default settings had to make at least eighteen separate taps to complete the transaction and reduce the tip to $0. There is an alternative method to leave a $0 tip, via the “Custom tip” feature, but EarnIn made this option difficult to access by visually deemphasizing it and positioning it near devices’ “home” button. Using language and imagery such as “Tip to pay it forward,” “Your generosity supports the service + helps,” “Your tips make a difference,” and “[t]he APR for this cash out is 0%. Your tips help support us.” While Lightning Speed and tipping are, in theory, both optional, in practice, users nearly always ended up paying something. According to the Colorado suit, users were charged either a tip or an expedite fee for more than 92% of transactions, with an average APR of nearly 388%. And, although the advances are “non-recourse,” EarnIn successfully collects on nearly all transactions — 99.18%, according to the complaint, which, Colorado argues, “demonstrat[es] that EarnIn’s advances function as high cost loans, not voluntary payments.” The share of EarnIn users incurring fees — despite the product being marketed as 0% APR — is hard to reconcile with Andreessen investor Rampell’s favorable description of EarnIn vs. “opaque systems and steep fees” associated with payday loans, which, Rampell says, can be “extremely difficult” for borrowers to extricate themselves from. According to Colorado’s suit, EarnIn’s Cash Out product “trapped many consumers in extreme cycles of high-cost reborrowing.” The suit gives an example of one consumer in the state, who took out a whopping 1,151 loans, paying a total of $4,038.50 in Lightning Speed expedited funding fees on loans that averaged the equivalent of 1,421% APR. Another Colorado user, the suit says, took out 1,033 loans, paying $8,561.22 in tips and fees at an average APR of 1,539% . These types of usage patterns demonstrate “the severe and repeated financial harm caused by EarnIn’s illegal lending model,” the Colorado complaint argues. In aggregate, from January 2023 through July 2025, EarnIn extended 3.1 million loans to 56,778 users in Colorado — an average of nearly 55 transactions per person during the time period. EarnIn lent more than $300 million and collected more than $16 million from Colorado users in Lightning Speed fees and in tips. Ultimately, the Colorado complaint argues that “EarnIn’s Cash Outs are loans under Colorado law, and EarnIn’s contention that its product is not a loan based on its disclaimer of any legal repayment obligation lacks any real-world significance given how the Cash Out transactions actually operate in practice.” Colorado further argues that “EarnIn was not working with companies here in providing consumers with funds but acted as a third-party lender and charged illegally high rates, used deceptive design strategies to extract some charges, and trapped consumers in repeat borrowing. Colorado will continue to stand up for consumers and hold companies accountable when they violate our credit laws or attempt to evade them through misleading practices.” Colorado’s suit alleges EarnIn assesses finance charge in excess of that permitted by Colorado law, that EarnIn failed to make legally required disclosures to Colorado borrowers, that EarnIn made supervised loans to consumers without obtaining the requisite license, that EarnIn violated the state’s Deferred Deposit Loan Act, that EarnIn engage in unfair and deceptive trade practices, and that EarnIn made false or misleading statements concerning price. The suit seeks a court order enjoining EarnIn from violating relevant Colorado laws, for EarnIn to refund amounts charged in excess of state law, fees, costs, and penalties, and other relief the court deems to be just. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Q2 Quarterly Banking Profile: Five Quick Takeaways The FDIC released its quarterly banking profile, which is always worth a read, for the second quarter. The profile provides an aggregate snapshot about the overall health of the 4,238 institutions whose deposits are insured by the FDIC, who, collectively, hold more than $26 trillion in assets and saw a total net income of more than $90 billion in the second quarter. Net income was up 12% vs. Q1 2026, with lower provisions and realized gains on securities helping to drive the improvement, somewhat offset by increases in non-interest expense and applicable income taxes. Overall net interest margin was basically flat quarter over quarter (up 1 basis point vs. Q1 2026), though community banks saw NIM grow by 10 basis points, to 3.81%. Unsurprisingly, given that interest rates haven’t changed, unrealized losses on securities changed little, edging up slightly to $326.7 billion vs. $325.1 billion in Q1 2026. Aggregate credit quality has remained benign, with asset quality actually improving slightly in Q2. Overall, institutions reported a 9 basis point decline in their past-due and non-accrual rate, to 1.44%. Net charge off rate also declined by 2 basis points, to 0.57%. And finally, the FDIC’s deposit insurance fund stands at $161.1 billion, making the DIF reserve ratio 1.48% — above the statutory minimum of 1.35%, but still below the designated target reserve ratio of 2%. [Paid Subscriber Exclusive] Nissan Withdraws ILC App, State Associations Plan BankChain Alliance, FDIC Defines “Unsafe or Unsound Practice” For First Time Automaker Nissan withdrew its application to charter a Utah industrial loan company and its corresponding application to the FDIC for deposit insurance last week, on August 19th. Nissan’s application had been outstanding for more than a year, as it originally applied in June 2025. Recent applications to the OCC to form national banks have been decisioned, one way or the other, substantially more quickly than has historically been the case.
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