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NBA 2K25 is being delisted later this month, servers (including single-player story mode) shut down at the end of the year
MyCareer, MyTeam and all other online game modes will end in December…
American Deisseroth and Germans Hegemann and Nagel win 2026 Nobel medicine prize
Scientists Karl Deisseroth, Peter Hegemann and Georg Nagel won the 2026 Nobel Prize in Physiology or Medicine for "discoveries concerning light-gated ion channels and optogenetics," the award-giving body said on Monday.
49ers Handed Intriguing Take on Vita Vea After Defeating Broncos
The San Francisco 49ers sit at 4-0 through four weeks, and the trade deadline is on Nov. 10, but if the team keeps playing like this, it’s clear they’ll be buyers looking to improve.Wide receiver and the defensive line are two areas of concern for the Niners given the injuries and lack of depth. On […] The post 49ers Handed Intriguing Take on Vita Vea After Defeating Broncos appeared first on HEAVY.
Rethinking discovery: how powerful screening tools are redefining the search for new medicines
In medicine discovery, identifying the right biological target has always been a critical and complex step. Today, the rise of powerful screening tools is fundamentally reshaping this process, creating a step-change in how we move from scientific hypotheses to transformative medicines. Advances in high-throughput screening, genomics and AI-driven analytics are enabling scientists to interrogate disease biology at unprecedented scale, bringing forward opportunities that were previously beyond reach.
Buy Rating Reaffirmed Might Change The Case For Investing In Astrana Health Stock
Astrana Health recently reported quarterly results showing solid revenue growth and higher net profit for the period ending June 30, with a reaffirmed Buy rating from Freedom Capital Markets serving as supporting commentary on the business performance. The combination of rising quarterly profitability and revenue momentum suggests Astrana Health is executing on its healthcare model, with analyst confidence reflecting how that operating progress is being interpreted by the market. This...
From floating saunas to clinical trials: How heat might help mental health
While scientists have a decent understanding of how sauna and other forms of heat exposure exercises our cardiovascular system, they know relatively little about its impact on mental health.
From floating saunas to clinical trials: How heat might help mental health
While scientists have a decent understanding of how sauna and other forms of heat exposure exercises our cardiovascular system, they know relatively little about its impact on mental health.
Doctors Should Keep an Eye on Your Mix of Medication. If They Don’t, You Should.
There’s a term for reducing unnecessary or harmful drugs: “deprescribing.” Especially as patients age, experts say, it’s important to regularly review the medications they’re taking.
How will Florida's minimum wage increase to $15 affect workers and businesses?
A University of South Florida economics professor shares insight on concerns over the recently raised minimum wage in Florida on "The Florida Roundup."
1 Pittsburgh school earns top scores for supporting community health
Pittsburgh Phillips K-5 was awarded for supporting the health of its students, staff and families, and other Pittsburgh schools also received honors.
From floating saunas to clinical trials: How heat might help mental health
Many people are turning to sauna because of its benefits for their mental health. While scientists have a decent understanding of how sauna — and other forms of heat exposure — exercises our cardiovascular system, they know relatively little about its impact on depression, anxiety and mood. But more studies are being done to understand this connection and why heat appears to act as a powerful antidepressant. NPR's Will Stone visits a "floating sauna village" in Oslo where a husband-wife team are conducting one of the first trials on the link between sauna and mental health — and talks to one of the leading researchers in the U.S about her efforts to study this. Morning Edition consumer health segment for October 5
Digbi Health Study of Nearly 16,000 Members Finds Precision Biology GI Care Delivers IBS Relief at Scale
Combining Gut microbiome, genetic, and glucose signals delivers unprecedented personalized care to bring clinically meaningful relief to more than half of symptomatic membersMOUNTAIN VIEW, Calif., Oct. 05, 2026 (GLOBE NEWSWIRE) -- Digbi Health today released a real-world study of nearly 16,000 members of its precision biology program, which personalizes nutrition and lifestyle care to each person's gut microbiome, genetics, and glucose response. Among members followed for 12 weeks, i more than h
French services sector returned to growth for first time since December, PMI shows
France's dominant services sector grew in September for the first time since the end of last year, helped by a rebound in output after businesses had been impacted in August by an intense summer heatwave, a business survey showed on Monday.
Havasu Art Guild Fall Expo to showcase local artists
Local artists will put their work on display and offer pieces for sale during the Havasu Art Guild’s Fall Expo & Sale in Lake Havasu City.
Experienced signings will help captain James
Cesar Azpilicueta backs Chelsea's decision to sign experienced players this summer and believes it will help captain Reece James grow as a leader.
The genetic secret helping bats survive a deadly epidemic
We’re easing you into Halloween season with an episode about bats. There’s a silent serial killer decimating little brown bats as they hibernate. White nose syndrome has driven populations across the U.S. to almost the brink of extinction over the last decade. But recently, conservation biologist Giorgia Auteri and her team noticed several genetic mutations in the survivors. These mutations could explain how natural selection has shifted the existing population – and inform conservation efforts in the future.Interested in more animal science? Email us your question at shortwave@npr.org.Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show’s perks include sponsor-free listening. Learn more at plus.npr.org.
Northwell Health eliminating “limited number” of positions
The organization says the moves were necessary to maintain the stability of the organization in the currently challenging healthcare landscape.
OPKO Health (OPK) Sharpens Its Focus, Is It Still A Bargain?
OPKO Health (OPK) has been drawing attention after recent trading moves around its US$1.56 share price, with investors weighing its mixed return profile over the past year against longer term performance trends. For context, OPKO Health’s recent pullback, with a 7 day share price return of down 4.29% and a 30 day share price return of down 4.88% from US$1.56, comes after a stronger 90 day share price return of 4.70% and year to date share price return of 22.83%. The 1 year total shareholder...
Adaptation delivers book’s tone, forgets some important details
For every novel, there must be an equal or opposite adaptation – that’s how the rule goes, right? Author Ali Hazelwood’s latest film, “The Love Hypothesis,” is Hollywood’s most recent
‘Gossip Girl’ 25th anniversary musings
The CW’s “Gossip Girl” recently turned 19 years old, making it the age of this year’s college freshmen. Despite being over a decade old, the show remains impressively relevant among
Jameson Williams leads Detroit in receiving on SNF
Jameson Williams had a team-high 102 yards versus the Carolina Panthers in Week 4, more than doubling his previous season high.
How Extending CVS Distribution Through 2032 At Cardinal Health (CAH) Has Changed Its Investment Story
In October 2026, Cardinal Health announced it had entered into a binding Letter of Intent to extend its existing distribution agreement with CVS Health through June 30, 2032, maintaining the current scope of distribution services. This long‑dated extension reinforces the durability of Cardinal Health’s core distribution relationships, underscoring the importance of scale partnerships in its business model. We’ll now explore how the extended CVS distribution agreement through 2032 may...
“I’m in the Hospital”: Chad Ochocinco Announces Health Update After Sudden Illness Amid Bengals’ Loss to Jaguars
As a former wide receiver for the Cincinnati Bengals, Chad Ochocinco had no choice but to root for his team as they battled against the Jacksonville Jaguars in the Week 4 game. Unfortunately for him, the Bengals lost the game by 22-17.
Ageless Novak Djokovic Stays Perfect in Beijing
Age is supposed to slow a tennis player down. Nobody has told Novak Djokovic. At 39, the Serb eliminated world No. 2 Alexander Zverev in the China Open quarterfinals and extended a streak in Beijing with no Open Era precedent. Djokovic is now 32-0 at the tournament. No player in the Open Era has won …
Chiefs Face Difficult Prediction on Tyquan Thornton From Sports Doc
A sports doctor provided a grim outlook for Kansas City Chiefs wide receiver Tyquan Thornton after his injury against the Raiders. The post Chiefs Face Difficult Prediction on Tyquan Thornton From Sports Doc appeared first on HEAVY.
Chiefs HC Andy Reid provides Rashee Rice injury update
The Kansas City Chiefs got a hard fought 30-27 victory over the Las Vegas Raiders on Sunday.However, it came at a cost with a pair of wide receiver injuries. Late in the game, Tyquan Thornton sustained a gruesome ankle injury in which he had to be carted off the field for. On the opening drive, […] The post Chiefs HC Andy Reid provides Rashee Rice injury update appeared first on HEAVY.
The New Denpa Men to end service on December 6
Free-to-play RPG The New Denpa Men will end service on December 6 at 6:00 p.m. PT / 9:00 p.m. ET / December 7 at 11:00 JST, developer Genius Sonority announced.
Chiefs’ Patrick Mahomes Shares Strong Words After Tyquan Thornton Injury
Kansas City Chiefs quarterback Patrick Mahomes spoke on injured wide receiver Tyquan Thornton after the team beat the Raiders. The post Chiefs’ Patrick Mahomes Shares Strong Words After Tyquan Thornton Injury appeared first on HEAVY.
Modern forensic science uncovers human sacrifice in ancient Egypt
Reinvestigation of mass burial sites around royal tombs finds evidence of fatal blunt force trauma on skulls
Teddy Bear Clinic at Kootenai Health
Kootenai Health is inviting children to bring in their favorite stuffed animal to receive "special check ups" and enjoy a variety of activities
White House tells ‘Big Bang Theory’ creator to ‘seek psychiatric help’ after he slams Donald Trump
Chuck Lorre is the latest Hollywood legend to lock horns with the White House, which suggested via a spokesperson he ‘seek psychiatric help’ after Lorre called Donald Trump a ‘bloated orange piece of s---.’
Tyler Higbee good for five catches
Los Angeles Rams tight end Tyler Higbee posted five receptions for 67 yards on six targets in Week 4
Apple Hiring 'iCup' Specialist
Apple recently posted a job listing for an "iCup Supply Specialist" who would be responsible for ensuring that "all Apple employees have access to freshly brewed coffee in their break room". MacRumors contributor Aaron Perris highlighted the job listing this weekend, but it turns out that Apple has been using the "iCup" name since at least 2014.
Davante Adams sees dip in production
Los Angeles Rams wide receiver Davante Adams registered four receptions for 32 yards on nine targets in Week 4
Puka Nacua registers nine receptions in Week 4
Los Angeles Rams wide receiver Puka Nacua nine receptions for 125 yards on 12 targets in Week 4
Broncos Inept Offense Leads To 24-10 Loss To Niners
The Denver Broncos offense struggled again as they lost an ugly game to the San Francisco 49ers.
Dalton Kincaid shut down for second straight week
Dalton Kincaid held to season-low one reception in Week 4 against New England.
Carnell Tate explodes for 145 yards in Week 4
Tennessee Titans wide receiver Carnell Tate registered nine receptions for 145 yards on 12 targets in Week 4
Mark Andrews scores first TD of 2026
Baltimore Ravens tight end Mark Andrews posted five receptions for 27 yards and a touchdown on six targets in Week 4
Rashod Bateman goes for 46 yards
Baltimore Ravens wide receiver Rashod Bateman absorbed both of his targets for 46 receiving yards in Week 4
WHO joins Pre-COP31 to advance climate action that delivers for people’s health
The World Health Organization (WHO) is joining Pacific leaders, governments and partners at Pre-COP31 in Fiji from 5 to 8 October to advance health priorities in climate action and strengthen the Pacific voice ahead of the 31st Conference of the Parties (COP31) to the United Nations Framework Convention on Climate Change (UNFCCC).COP31, to be held next month in Antalya, Türkiye, marks an important step for global climate and health action. Health is one of the 10 priority themes of the COP31 Action Agenda, “Dynamic and Resilient Health Systems”, and a dedicated Health Day will take place on 9 November, the first day of COP31. The inclusion of health reflects growing global recognition that climate action and health are closely connected. The climate crisis is affecting population health globally. Across the WHO Western Pacific Region, which includes Pacific island countries and areas, the consequences of climate change include extreme heat, cyclones, floods, rising sea levels, food and water insecurity, infectious diseases and disruptions to essential health services. The Pacific in particular faces additional challenges. A recent review of 76 hospitals in 14 Pacific island countries found that 62% of health facilities are located within 500 metres of the sea or a river, leaving them particularly exposed to flooding, storm surges and sea-level rise.Bringing Pacific priorities to the global climate agendaThe Pacific Pre-COP31 provides an important opportunity for Pacific countries and partners to consolidate regional priorities and bring the experiences and leadership of Pacific communities into global climate discussions.Pacific countries have been advancing practical approaches to protect health in a changing climate, including strengthening climate-resilient health systems, improving preparedness for extreme weather events, building resilient health infrastructure and mobilizing climate finance for health. “This Pre-COP is an important moment for the Pacific, bringing global climate discussions to a region that has long been at the forefront of the climate crisis. It provides an opportunity for Pacific countries and areas to set their priorities, experiences and leadership on the global stage, and to ensure that the realities of Pacific communities are genuinely reflected in the decisions made on climate action,” said Dr Saia Ma’u Piukala, WHO Regional Director for the Western Pacific.Throughout this week, WHO will co-convene and participate in high-level discussions and events focused on climate and health, climate resilience, adaptation, financing and implementation. “Climate finance is essential for resilient and healthy Pacific communities,” emphasized Dr Mark Jacobs, WHO Representative to the South Pacific and Director of Pacific Technical Support. “We must ensure that financing reaches the people, communities and essential services most exposed to climate risks, supporting locally defined priorities and investments.”WHO will work with partners to strengthen the integration of health considerations across climate policies and investments, including national climate plans and resilience initiatives.Health as a driver of climate actionAmid the risks to health and pressures on health systems, well-strategized and implemented climate action can deliver significant health benefits. Investments in clean energy, sustainable transport, resilient infrastructure, food systems and nature-based solutions have proven to reduce health risks while contributing to climate mitigation and adaptation.“Climate action is truly an investment in health. Cleaner energy, healthier food systems and climate-resilient health services can protect lives while building stronger communities. We now need to turn these opportunities into action and make health a core part of climate investments,” said Dr Sandro Demaio, Director and Head of Office, WHO Asia-Pacific Centre for Environment and Health in the Western Pacific Region. “These benefits demonstrate that climate action is not only about reducing future risks. It is also an opportunity to improve lives today while building healthier, safer and more resilient societies.”At COP31 next month, WHO will also support the Health Pavilion, which will bring together the global health community and partners to advance health and equity within climate negotiations. With COP31 poised to move health higher on the global climate agenda, WHO will continue working with countries and partners across the Western Pacific Region and globally to strengthen climate-resilient and low-carbon health systems, and ensure that climate action protects and improves people’s health.____________________Media contactsElizabeth Bennett, WHO Asia-Pacific Centre for Environment and Health in the Western Pacific Region, elizabeth.bennett@who.intJulia Dongwhan Shin, WHO Asia-Pacific Centre for Environment and Health in the Western Pacific Region, dong.shin@who.intWHO Western Pacific Communications, wprocom@who.int
Seven receptions for Dohnte Meyers
Bengals WR Dohnte Meyers receives bigger role and posts seven catches and 82 yards
Patriots’ HC Raves About Drake Maye Compared to Josh Allen
The New England Patriots needed a response after a lopsided loss. Head coach Mike Vrabel received one from his quarterback against a division heavyweight. New England stunned the previously unbeaten Buffalo Bills 29-26 on Sunday, Oct. 4, and Vrabel placed Drake Maye in the same conversation as reigning NFL MVP Josh Allen afterward. “Gets us […] The post Patriots’ HC Raves About Drake Maye Compared to Josh Allen appeared first on HEAVY.
Chase Brown more involved in pass game in Week 4
Bengals RB Chase Brown finishes with 71 receiving yards in Week 4
Brian Thomas Jr. reaches end zone in Week 4
Jaguars WR Brian Thomas Jr. held to 17 yards but post receiving TD
Health fair connects peninsula families to care close to home
ILWACO — Richelle De Villa didn’t come to Ocean Beach Health’s Community Health Fair alone. She brought six family members: her father, sister, brother, sister-in-law, and a niece and nephew, […]
Patriots’ Christian Gonzalez-Less Secondary Takes Another Hit vs. Bills
The New England Patriots entered Sunday’s matchup with the Buffalo Bills short-handed at cornerback. Their depth was tested even further early in the fourth quarter.Charles Woods left the game after making a tackle on Bills wide receiver Joshua Palmer, according to Ethan Hurwitz of Patriots on SI. Charles Woods is hurt after making a tackle […] The post Patriots’ Christian Gonzalez-Less Secondary Takes Another Hit vs. Bills appeared first on HEAVY.
Brenton Strange nearly reaches 100 yards in Week 4
Jaguars TE Brenton Strange leads team in receptions, receiving yards and targets in Week 4
Greece hold Klopp’s Germany to goalless draw
Germany were held to a frustrating 0-0 draw by Greece in Thessaloniki, leaving Jurgen Klopp with just one win from his opening four matches as national team coach.Greece made the brighter start, with ...
Study says San Antonio's mental health care access is worst in the U.S.
San Antonio tied for the worst access to mental health treatment facilities nationwide, based on travel distance and the number of nearby options, according to a recent study.
Mobile area health systems receive grants from state rural health program
34 grants total nearly $55 million
Marvin Harrison Jr. scores TD in Week 4
Arizona Cardinals wide receiver Marvin Harrison Jr. posted a single 12-yard reception for touchdown on four targets in Week 4
Trey McBride records seven receptions
Arizona Cardinals tight end Trey McBride registered seven catches for 31 yards on 12 targets in Week 4
Northwestern’s Top PFF Grades Highlight Dominant Win Over Penn State
Northwestern received impressive PFF grades on both sides of the ball after its 34-13 win over Penn State, led by Joseph Himon II, Caleb Komolafe and several defensive standouts
Michael Wilson flirts with century mark
Arizona Cardinals wide receiver Michael Wilson posted seven receptions for 95 yards on 13 targets in Week 4
Portugal move into Nations League knockout stage, Germany held
Portugal became the first team to reach the quarter-finals of the Nations League when they beat Norway 2-1 on Sunday, but Jurgen Klopp's Germany were frustrated by Greece.
Bills Announce Historic Josh Allen News During Patriots Game
Buffalo Bills quarterback Josh Allen earned the all-time franchise record for rushing and receiving touchdowns in Sunday's game. The post Bills Announce Historic Josh Allen News During Patriots Game appeared first on HEAVY.
Kate Mulgrew says being “Star Trek”’s ‘unprecedented’ first female captain ‘reshaped my life’
“I think what she allowed women in STEM to do as a result of her command was absolutely, deeply significant,” Mulgrew said.
Emeka Egbuka struggles with rookie QB
Tampa Bay Buccaneers wide receiver Emeka Egbuka posted just two receptions for 13 yards on four targets in Week 4
Rashee Rice injury update as Chiefs WR leaves game with apparent leg injury
Latest updates after Kansas City Chiefs wide receiver Rashee Rice suffered an apparent leg injury forcing him out of the Week 4 game .
Matthew Golden scores again in Week 4
Green Bay Packers wide receiver Matthew Golden posted three receptions for 21 yards and a touchdown on seven targets in Week 4
Buffalo Bills Lose 29-26 To New England: Instant Reactions
Josh Allen’s late-game interception and a defensive collapse derailed Buffalo’s perfect season, overshadowing record-breaking milestones and a breakout performance from wide receiver Keon Coleman in New England.
Professor Renée Marlin-Bennett Receives International Studies Association (ISA) Award
Professor Renée Marlin-Bennett has received the 2027 Distinguished Scholar Award from the Science, Technology, and Art in International Relations (STAIR) section of the International Studies Association (ISA). The award celebrates scholars whose work and academic engagement have been highly influential in the study of science, technology, and art in International Relations and International Political Economy....
Cowboys' touchdown with 40 seconds left beats Texans 34-30
CeeDee Lamb's 17th reception from Dak Prescott was the game-winner.
Mobile healthcare clinic set up provide free services
This mobile health clinic provides screenings, chronic disease management, prescription management, dental care and primary care for free.
Chargers set to be without key player vs. Seahawks
The Los Angeles Chargers suffered a major blow as this key player was ruled inactive.
Patriots WR Mack Hollins exits game with non-contact injury
Patriots wide receiver Mack Hollins hopped off the field of Sunday's game against the Bills with an injury.
Trump economic advisor says 'it's time' for Powell to leave Fed, calls extended tenure 'unprecedented'
Kevin Hassett says Jerome Powell should leave the Federal Reserve Board, calling his continued presence "completely unprecedented" after his term ended.
Opening Odds: Mizzou slightly favored over Texas A&M
Mizzou stays home to try and follow up a Homecoming masterclass.
Ja'Marr Chase out with concussion
Cincinnati Bengals wide receiver Ja'Marr Chase left the Week 4 game, and he has been ruled out for the rest of the game due to concussion
Panthers prepare for Sunday Night Football with numerous pregame festivities
The Carolina Panthers is hosting the Detroit Lions on Sunday Night Football, marking the franchise’s first appearance in the league’s marquee primetime broadcast slot since 2016.
Five receptions for Stefon Diggs in Week 4
Commanders WR Stefon Diggs caught five of his nine targets in Week 4
Bayern join Real Madrid and Arsenal in monitoring Kenan Yildiz
FC Bayern Munich are apparently keeping a close eye on former Campus academy product in Kenan Yildiz of Juventus.According to the Corriere dello Sport, the record champions are closely monitoring the ...
TAMIU receives proposed funding for AI freight project
TAMIU's proposed logistics project would use artificial intelligence to improve freight movement through Laredo and strengthen regional trade.
Tencent Music Entertainment Group (TME) Stock Sees Modest Fair Value Cut After Analyst Caution
Tencent Music Entertainment Group has seen its fair value estimate move from US$13.17 to US$12.58, signalling a modest trim to the price target in the latest update. This shift lines up with recent analyst commentary that points to more cautious assumptions on growth and execution, including a move by one firm to a Hold rating even as others still see upside potential. As you read on, you will see how these price target adjustments fit into the broader, evolving narrative around Tencent Music...
Who’s to blame for Drake Maye’s struggles?
Who should get the largest piece of the blame pie for Drake Maye's performance?
Amazon Launches Early Prime Day Discounts on AirPods, iPad, MacBook Air, and More
Earlier this week, we began tracking early Prime Day deals on Apple-related accessories, and today Amazon has introduced major early deals on Apple products as well. This includes AirPods, iPads, MacBooks, and more, all available at some of the lowest prices of the year so far. Note: MacRumors is an affiliate partner with Amazon. When you click a link and make a purchase, we may receive a small payment, which helps us keep the site running.
Jagex Announce RuneScape 4 And Cartoon With MoistCr1tikal
The long running fantasy MMO will receive a major new installment in the future, the first in the mainline series to take advantage of Unreal Engine
Paly students combine science, compassion in children’s book
A group of Palo Alto High School students recently published a picture book — “The Brave Fuzzy” — that is geared toward getting young children excited for science.
Fantasy Football: Is Justin Jefferson playing in Week 4?
After his ankel injury last week, here is an update on the Vikings top receiver before Week 4 kickoffs.
Editorial: Public input should come before approval
A recent Reno town hall revealed tensions between developer Jacobs Entertainment and residents regarding urban design and public engagement.
Wildlife camera in Guatemala captures a once-in-a-decade snapshot
The recent photographs confirm that jaguars are still traveling along an important wildlife corridor.
Can fiber-enhanced food products really improve our health?
A food containing added fiber isn’t necessarily equivalent to a food that naturally contains fiber.
Saints’ Jordyn Tyson Injury Update Brings Hope
The New Orleans Saints would’ve liked to begin this season with a better record, but one thing they have to be happy with is the way their passing attack has operated in the early going. QB Tyler Shough is building a great rapport with wide receivers Chris Olave and Devaughn Vele as well as tight […] The post Saints’ Jordyn Tyson Injury Update Brings Hope appeared first on HEAVY.
South Dakota to receive $7.2M in federal funding to modernize rural emergency services
South Dakota will receive $7.2 million through the Rural Health Transformation Program to modernize EMS with 25 projects improving response and telemedicine.
Healthcare Privacy Leaders Look to AI to Improve Monitoring and Data Breach Investigations
At a recent symposium on privacy, experts discussed how AI supports a faster and oftentimes more insightful approach to data security, while identifying which privacy risks healthcare organizations must monitor.
How Americans’ Financial Health Is Faring In The “K-Shaped” Economy
Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. 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. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.
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