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Opinion: Gov. DeWine celebrates Ohio’s workforce but the state needs to do far more
Ohio was recently named America’s Top State for Business. It should set its sights on becoming the best state for its workers, too.
Vikings Coach Has Surprising Take on Kyler Murray’s Brutal Hit
Minnesota Vikings head coach Kevin O’Connell took an interesting stance regarding the hit that knocked quarterback Kyler Murray out of the game. He spoke to the media on Monday afternoon, and gave his opinion on the playMurray was knocked out of the first quarter of Sunday’s win over the Green Bay Packers. He suffered a […] The post Vikings Coach Has Surprising Take on Kyler Murray’s Brutal Hit appeared first on HEAVY.
(Opinion) Camping for kids should be priority for the state
One of the greatest honors for me as executive councilor for District One is representing the towns around Lake Winnipesaukee, one of New Hampshire’s most stellar natural resources.
‘The idea has surfaced two months before the midterm elections to revive the “Mommy Wars” debates’
Opinion, comment and editorials of the day
No debate, no opinion: The power and influence of debating
Views Staff Writer Logan Walters stresses the importance of debate on the political stage.
UK unions split over party donations cap as TUC chief says ‘super-rich’ corrupting politics
Sources say there are ‘significant differences’ in opinion as debate inflamed by crypto billionaires’ £72m donations to Reform
Opinion: How out-of-state political interests are strangling NH
A writer warns against the influence of the Free State Project and out-of-state money on New Hampshire politics and its core values.
Opinion | Mary Peltola’s Energy Politics Fits Alaska. Democrats Need Her.
To win in states such as Alaska, the party needs a faction that can live with fossil fuels.
Column: The Fed’s credibility depends on resisting politics, not playing it
Credibility lives in what people believe the central bank will do under pressure, Bloomberg Opinion columnist Claudia Sahm writes.
Does Beijing need AI talent in ‘public opinion war’ over South China Sea?
Think tanks, seen as a vital soft power tool by Beijing, have been urged to recruit more tech expertise to help sway international opinion.
Opinion | Ella Langley. ‘Landman.’ The Rural Vibe Shift Is Real.
Social marginalization means something different today.
Opinion | Murder cases highlight racial disparity in postpartum care
"Unfortunately the federal government is unlikely to address these issues," writes Dr. JudyAnn Bigby, former state secretary of health and human services.
Asian Angle | Politics aside, young Vietnamese are warming to China
Hit dramas, trendy consumer brands and economic opportunity are drawing a new generation into China’s cultural orbit.
Germany’s Political Tailspin: Your Weekly SPIEGEL Recap
It might be tempting to dismiss the results of last Sunday’s state election in Saxony-Anhalt, in which the far-right Alternative for Germany (AfD) party raked in 43.8 percent of the vote, as a rather unimportant extremist blip in a state that hardly anyone can find on the map. And you wouldn’t necessarily be wrong to do so. The state’s population – around 2.1 million – is a mere 2.5 percent of the German total. And while the state capital of Magdeburg was once the political heart of the Holy Roman Empire back when Otto the Great used to hang out there (more than a millenium … no … milennium … nope … millennium ago), it is today something of a backwater, albeit one with a ginormous cathedral in its center. We wanted to briefly interrupt this week’s newsletter to extend a heartfelt thank you to all of our subscribers, both new and old. And to remind you all that a free subscription gets you access to this newsletter every Saturday. A paid subscription, by contrast, gets you one DER SPIEGEL article every weekday, delivered to your inbox. We strive to select pieces that both demonstrate what Europe’s leading newsmagazine has to offer and provide an international audience – namely, you – with an insight into how Germany and Europe view the world. If you haven’t already signed up for a paid subscription, please consider doing so if you can. Our Substack channel relies entirely on reader support and we are excited to continue offering you the best of DER SPIEGEL. Subscribe But even beyond the fact that a huge percentage of the voters in the state decided to place an X next to a party with an ideological lineage that runs rather directly back to the right-wing extremist soup out of which the Nazi Party was born, the results are a perfect example of a phenomenon that has been plaguing German elections in recent years: the lack of an obvious path to a majority. Call it the Balkanization of German politics. There are a number of developments driving the phenomenon, but for the purposes of this newsletter, here are two of the most salient: Persistent voter frustration with the country’s two (former) big-tent parties – the Christian Democrats (CDU) on the center-right (17.2 percent in Saxony-Anhalt last Sunday) and the Social Democrats (SPD) on the center-left (9.3 percent). The presence of parties on the far left (Left Party), the populist left (the Sahra Wagenknecht Alliance – BSW) and the far right (AfD) with which mainstream parties are reluctant to form coalitions. So what happens now? Stories of the Week A Lack of Leadership The answer for many people in the country, and particularly within the CDU, is clear: pin (some of) the blame on Chancellor Friedrich Merz. According to a survey taken directly after the election in Saxony-Anhalt, 88 percent of respondents agreed with the statement that if the federal government in Berlin were doing a better job, the AfD wouldn’t be as strong. And it is true that the predominant impression of the federal government ever since Merz was sworn in on May 6, 2025, is one of ineffectiveness and bickering. His rather unique combination of bumbling-plus-bravado has also not exactly endeared him to the German public. Indeed, his standing in the country is so shaky that his popularity – according to recent polls – has now dropped even below the historic lows associated with his predecessor Olaf Scholz. The situation is such that the CDU even opted to keep him largely out of the campaign ahead of the Saxony-Anhalt vote. And since then, dissatisfied rumblings within the CDU have grown louder. DER SPIEGEL’s Swantje Karich notes that the problems with the CDU go much deeper than Merz. “The center-right has a trust problem. At a press appearance following the devastating election result in Saxony-Anhalt, Friedrich Merz said that the party wanted to ‘reach people more effectively’ through ‘emotional engagement.’ It sounded as though he were announcing a political program. On the basis of that statement, it is difficult to take his empathy seriously.” “The Chancellor’s chastened appearance did, at least, reveal where he stands: with his back to the wall. Elections will be held in Mecklenburg-Western Pomerania next week, and the CDU could fare even worse there. The party is polling at between 8 and 10 percent in the state.” “What is at stake is the political tradition that has lent stability to the Federal Republic since 1945: a democratic conservatism that understands what must be preserved, but also how to embrace progress and openness to the world. If the Union continues along its current path, it risks becoming politically irrelevant after the 2029 federal election – and Germany could soon find itself with a government of the far right.” The Trumpification of Political Debate? It is often said in Germany that to understand the political and social trends that will soon be dominant in Europe, one need only look across the Atlantic to the United States. When it comes to political debate, that has certainly proven true. Donald Trump understood early on that triggering mouth-foaming outrage among Democrats is an ideal way to both generate headlines and to secure loyalty among supporters. And he realized that far more quickly than the left side of the political spectrum understood that simply ignoring the old man might be the best recipe. To be sure, there have been signs recently that the US president may be over-relying on the strategy. Earlier this week, in an apparent grandpa-discovers-AI moment, Trump sent out 60 posts in the space of 10 hours, many of them AI-assisted images portraying him as a hero – or showing Iceland as part of the US (outrageous!!!). It was also during that slew of schlock that he explicitly backed the AfD with an “MGGA” post. In Germany, though, the outrage cycle remains in full swing, with much of the focus on those who would dare to vote for the AfD. They are alternately portrayed as being dim-witted, ungrateful, backward, racist or all of the above. That, argues DER SPIEGEL columnist Sabine Rennefanz, is not particularly helpful. “Everywhere on election night, people spoke of a watershed moment, a rupture, a turning point. But what is that supposed to mean in concrete terms? A watershed would imply an interruption, a moment of pause – perhaps even a willingness to rethink and learn. At first, there was little sign of that in the main television panels. Instead, the familiar rituals that had already shaped the election campaign continued: outrage, lecturing and abuse.” “That’s just the tone, one might object. They’re only talk shows. Given that the party’s state branch has been classified by domestic intelligence officials as confirmed right-wing extremist, there are more important problems than hurt feelings on television. Yet although the condescending tone is not the cause of the AfD’s success, it is an expression of the broader mood within the so-called political center – a kind of institutional blindness that too often treats material concerns as a communications problem.” “People have a pretty good sense of whether you like them – whether you approach them with curiosity or merely study, lecture and manage them as a problem group. They notice whether you genuinely want to understand their fears and pain, or whether you are simply waiting for the chance to correct them. They can also tell whether someone still has the energy to change things, or whether they have barricaded themselves behind platitudes and empty phrases.” “Anyone who wants an egalitarian democratic society cannot promise equality only to those whose language, tastes and moral convictions they share. They must also acknowledge the wounds, resentments and fears of those whose political conclusions they consider wrong. Acknowledging them does not mean agreeing with them. But a democracy that communicates with almost half its citizens only through warnings and labels gives up on political debate before it has even begun. An atmosphere must be created in which people can express their opinions without fearing that they will be canceled. We are currently a long way from that.” East-West? One of the clear undercurrents in the election last Sunday was, of course, Germany’s ongoing east-west divide, particularly as it pertains to the success of the AfD. Historically, the party has been far stronger in the former East German states than in former West German states. The fact that this generalization no longer reliably holds is certainly one of the primary concerns that many have about the party’s growth. And yet, there is still a distinct flavor of “stupid easterners, they don’t understand democracy” to the coverage. In the weeks before the vote, there was even a rather interesting back-and-forth in Germany’s culture pages about how ungrateful eastern Germans allegedly are for being pulled out of their pre-reunification backwardness and into the light of the West. DER SPIEGEL’s Jochen-Martin Gutsch has had enough. “Ten years ago, in 2016, elections were also held in Saxony-Anhalt. The AfD won more than 20 percent, which at the time rightly provoked outrage and incomprehension in western Germany. Today, in 2026, the AfD is also polling at around 20 percent in western German states, but this no longer provokes outrage and incomprehension. Instead, it is now regarded as proof of democratic conviction and civilizational resistance. After all, in the east, it’s 40 percent!” “This allows people to continue feeling morally superior to the East, but the wiser course would be to admit: if something doesn’t happen soon, the West will turn AfD-blue too. Or bluish.” “But will anything happen? The truly depressing thing about election night was not so much the AfD leaders intoxicated by their own success. It was the representatives of the other parties, who once again said that they were utterly shocked, needed some time to digest the result and would, of course, not simply return to business as usual. The SPD, a former big-tent party, celebrated its ‘stable’ result of 9.3 percent. Congratulations!” “For 10 years, the AfD has gone from one electoral success to the next. And still, the established parties remain ‘shocked’ and scratch their heads in astonishment. How long can they keep being shocked? Friedrich Merz says he may need to communicate his reform ideas in a more ‘emotional’ way. So the CDU’s political professionals sit down together after the election, mull over a strategy, and in the end come up with this: Fritz, try to be a little more relaxed, charismatic and emotional – or something. Beyond that: no political plan, no defiance, no promise of a future. That is frightening.” What was good, what was bad for democracy? Good: Voter turnout in Saxony-Anhalt was 77.8 percent, the highest ever recorded in the state. Whatever one thinks of the result, that figure is encouraging. Democracy needs citizens to take an interest. Bad: Although a strong AfD result had been expected in Saxony-Anhalt, many politicians from the mainstream parties – including in Berlin – appeared confused, helpless and overwhelmed in their initial reactions. That is not how they will win back voters’ trust. Last Week’s Highlights: 🗳️ Meet the Germans Who Voted for the AfD: Why would voters in a country like Germany, with its Nazi past, vote for a right-wing party? It’s a question only an editor in Berlin could come up with. On the ground, the view is different. 🟦 How the AfD Wants to Expand Its Power Across Germany: The far-right AfD is planning to decimate public broadcasting in Saxony-Anhalt, revamp education and install extremists in positions of power. And it is eyeing victory on the national stage as well. 🕯️ The Continuing Reverberations of September 11: It was a generational shock, and the consequences can still be felt today - from massive surveillance and significant increases in presidential power to violent excesses at ICE. 🤝 “For Europe, Canada Is the Preferred Partner in Trans-Atlantic Relations”: In an interview with DER SPIEGEL, Canadian Finance Minister François-Philippe Champagne discusses his country’s failed trade deal with the US and why Canada is looking to Europe. 🏛️ The True Historical Roots of the AfD: During the Weimar Republic in the 1920s, there were numerous parties on the extreme right espousing “Germany first” nationalism. The Nazis may not be the best comparison for today’s AfD. 🌊 AfD in a Landslide: Merz Is the Wrong Leader for Germany: The right-wing Alternative for Germany won in a landslide in Saxony-Anhalt state elections on Sunday. What does that mean for the country at large? Thank you for your continued support and have a wonderful week! Subscribe Share Leave a comment Your SPIEGEL Substack Team Compiled and edited by Charles Hawley
Video: Opinion
President Trump’s unpopularity is a threat to Republican candidates across the country. But that’s not stopping him from promising $5,000 checks to voters and telling them to pretend he’s on the ballot. The Opinion columnist Jamelle Bouie argues that these efforts to woo infrequent voters are not only harmful to the party but also “profound political malpractice.”
‘The slow clearance process is itself a security problem’
Opinion, comment and editorials of the day
Opinion: Why every college student should learn to think like an entrepreneur
Entrepreneurship teaches students to take risks, solve problems and turn ideas into reality — skills that matter well beyond the startup world.
Opinion | No way: Wisdom and, or, but, politics
The wisdom of ancients offers guidance for our modern, confusing times, writes columnist David Romtvedt. %
Opinion: What Chicago needs to understand about its climate resilience
No place on Planet Earth is immune from the impacts of a warming planet. And in an interconnected global economy, there is no “climate haven.”
Guest opinion: What Wisconsin’s Democratic primary reveals about data center politics
Voters’ views on data centers may be more nuanced than a simple for-or-against debate, Rob Smith and Devan Patel of the Joseph Rainey Center for Public Policy write.
OPINION: A mental health crisis should end in treatment, not death
The death of Jayden Stephenson shows what can happen when Ohio's civil commitment process isn't used as intended.
Opinion | Dear A.I. Companies: This Is Why America Hates You (and What You Can Do About It)
We won’t get fooled again.
Opinion | Charlie Kirk’s legacy is taking root on college campuses
Conservative students are organizing, seeking dialogue, and pushing back against what they see as a culture of political conformity.
State fair political poll results
State senators held a poll for those visiting the Minnesota State Fair to share their opinions on certain issues.
The data center backlash is reshaping Texas politics
By Texas Tribune Events Staff, The Texas Tribune August 28, 2026 Data centers are reshaping Texas communities, and the politics around them don’t break along familiar lines. On Wednesday, Sept. 9, The Texas Tribune convened a panel examining where Texans actually stand on the data center boom, how opinions are shifting and what it…
‘There is no excuse of ignorance about the AfD’s rise’
Opinion, comment and editorials of the day
Opinion | Minogue’s bad joke raises questions about Springfield courthouse award
The issue has something to do with Massachusetts politics, not MAGA politics.
Can Ohio business leaders shift data center opinions? Business leaders hope so
Ohio business leaders are launching a campaign to counter what they see as data center misinformation and convince skeptical communities that the facilities can be good neighbors.
The lives of Idaho wilderness guides seem ideal but often hide pain
It’s an emotional let-down when the river runs end for the season and the wonderful people she met along the way are gone | Opinion
Opinion | How Roy Cohn Shaped Trump
A new book reveals how the lawyer’s legacy lives on decades after his death.
Where Michigan voters stand with single-payer health insurance, according to poll
Michigan voters were asked in a recent poll how they felt about the upcoming November general election. Some questions focused on Michigan voters’ opinions on the American health care system.
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.
Video: Opinion | The ‘Hyperpoliticization’ of American Politics
Anton Jäger argues on “The Ezra Klein Show” that we’re in a distinct era of “hyperpolitics” — where politics feels volatile, ubiquitous and intense, but is not securely attached to institutions and structures.
29 More Days Isn't a Business Plan (Opinion)
The one-month reprieve on the impending ban on many hemp products doesn't give small businesses enough time to make the decisions required to keep their companies running. Dylan Raap, CEO and founder of cannabis and hemp business Upstate Elevator, asks Congress to ‘tell us what the rules are and give us enough runway to live by them.’
Cowboys projected to have 52% chance of making the playoffs
Are the Cowboys a playoff team in your opinion?
When Peekskill’s Small Businesses Are Left Behind
Opinion > Peekskill Brewery's former owner says a $100,000 city grant proved worthless in trying to save the popular restaurant
Joel Pollak on LA homelessness, Gavin Newsom's bills
California Post opinion editor Joel Pollak joins Cheryl Casone to discuss Mayor Karen Bass being pressed on Los Angeles homelessness spending, President Donald Trump's tax incentives for Hollywood and Governor Gavin Newsom's progressive bills.
Forensic science students get their white coats
[Courtesy of Pamela Marshall] The Forensic Science School is celebrating their 25th year as a program at Duquesne. Naomi Girson | opinions editor As a child, Caitlyn Patton spent a lot of time in f…
Haste ye back to full health, gaffer
This column is usually filled with bad takes, daft footballing opinion and poor attempts at humour, but today I want to be a little more serious. The gaffer, Jim Goodwin, is going through a health issue at present. As a player, Goodwin was never my favourite, in fact, he likely wasn't anyone's favourite.
Haste ye back to full health, gaffer
This column is usually filled with bad takes, daft footballing opinion and poor attempts at humour, but today I want to be a little more serious. The gaffer, Jim Goodwin, is going through a health issue at present. As a player, Goodwin was never my favourite, in fact, he likely wasn't anyone's favourite.
Video: Opinion | What ‘Hyperpolitics’ Explains About This Era
The political historian Anton Jäger on his theory of “hyperpolitics.”
Opinion: The Colorado Option is failing to meet the needs of small businesses for healthcare coverage
State must hold insurance carriers accountable to targeted premium reductions or fewer businesses will be able to afford healthcare for employees.
Opinion: The Colorado Option is failing to meet the needs of small businesses for healthcare coverage
State must hold insurance carriers accountable to targeted premium reductions or fewer businesses will be able to afford healthcare for employees.
Opinion | Pulling our health care system back from grip of catastrophe
Readers react to a recent essay, raising concerns about the influence of insurers and Big Pharma and questions about how to pay for Medicare for All.
Opinion: Bad optics and bad politics with fisheries decision
A North Carolina fisheries ruling enters its remedy stage as debate intensifies over inshore net fishing, agency performance and the General Assembly’s constitu...
Opinion: Bad optics and bad politics with fisheries decision
A North Carolina fisheries ruling enters its remedy stage as debate intensifies over inshore net fishing, agency performance and the General Assembly’s constitu...
Opinion: Bad optics and bad politics with fisheries decision
A North Carolina fisheries ruling enters its remedy stage as debate intensifies over inshore net fishing, agency performance and the General Assembly’s constitu...
Commission to present long-awaited Innovation Act proposal
The European Commission will present its proposal for an EU Innovation Act on September 9, with a focus on strengthening public procurement as a driver of innovation and facilitating the use of intellectual property (IP) to secure financing.The proposal was initially meant to be published in March. No explanation has been given for the delay, but it may be linked to issues with the associated impact assessment.The Commission’s Regulatory Scrutiny Board issued a negative opinion on the draft impact assessment following its meeting on January 28, and again on February 27, according to a draft of the Innovation Act published by Agence Europe.In it, the Commission lays out the steps it has taken to address the board’s concerns, including avoiding overlap with the upcoming revision of the EU Public Procurement Directives and removing a mandatory target for EU member states to increase overall innovation procurement spending.The Innovation Act, which was included in last year’s start-up and scale-up strategy, is meant to reduce barriers to bringing innovative solutions to the market and speed up the path from research to commercialisation.Central to the initiative, according to the draft proposal, is the introduction of a harmonised EU framework for the procurement of R&D services by public buyers, including pre-commercial procurement. The plans would also introduce an EU preference in public R&D procurement.“Other leading economies in the world are investing five to eight times more in public procurement of R&D than the EU,” it notes. In Europe, the lack of harmonised rules has led to divergent practices across the bloc, legal uncertainty and limited use of joint, cross-border R&D procurement, it says.Related articlesCommission postpones European Innovation ActParliament draft report adds EU Inc safeguards to prevent fraud and regime shoppingThe text highlights a lack of clarity around the valuation and monetisation of IP as another barrier to the commercialisation of research results. Currently in the EU, IP is rarely used as collateral in financing, which restricts the growth potential of innovative firms. A key reason for this, according to the Commission, is the absence of a harmonised methodology for valuing IP.To address this issue, it plans to introduce an EU-wide IP valuation framework, a digital marketplace for commercialising IP, and a competence centre to help innovators access IP-backed finance.The issue was highlighted by a recent report by the European Union Intellectual Property Office, which referred to developing a “functional market for IP-backed finance” as a “core competitiveness imperative for the next decade,” and key to ensuring capital unlocked by other EU initiatives reaches innovative firms.The Innovation Act is one of several ways the Commission hopes to reduce fragmentation in the single market and help innovative companies to scale in Europe, complementing other initiatives such as the EU-wide corporate regime, dubbed EU Inc.The leaked draft is not the final version that will be published on September 9, according to a Commission official.
Opinion: How Georgia is helping workers get ahead, businesses grow in AI era
The State of Georgia's strategy to benefit the labor force is to continue efforts that support businesses, grow wages, and help create a fair and safe economy in the AI era.
Football players highlight latest Public Opinion-Aberdeen News AOTW poll
Ten more Watertown and Aberdeen area high school athletes are candidates for our latest AOTW poll.
Opinion: Revaluation delay sacrifices businesses without fixing Hartford’s finances
Hartford Mayor Arunan Arulampalam wants to delay the city’s property revaluation as shifting home and office values threaten its financial stability.
When Kentucky business owners retire, let workers buy in
Opinion: Employee ownership could keep Kentucky jobs at home.
Telluride: Cristian Mungiu Is Glad You’re Arguing About ‘Fjord.’
The Romanian auteur is on the cusp of his Oscars breakthrough for his Cannes-winning social drama, which has already been hotly debated on social media for months: "People...assume that what the film says is the opinion of the filmmaker, and what the characters say is the truth. Come on."
‘Costs and corruption’: Democrats hone midterm attacks on data centers
Democrats are coalescing around their top attack lines as public opinion of data centers turns rapidly negative.
Endorsement: The way S.F. does business is broken. Prop E would help
OPINION: Cities don’t work without trucks and toilet paper and computers and train cars and contractors. The way San Francisco handles these purchases is broken, the editorial board writes.
Opinion | We Can’t Know Our A.I. Future if We Don’t Study It
Just as A.I. is poised to change the world, we’re losing our best ways of studying what that change will look like.
RFU Board needs an immediate overhaul
NICK CAIN READ HIS EXPERT OPINION EVERY WEEK WELCOME to a new season where the Prem ring-fencers’ idea of progress was not only to shut the door on their Champ “partners” participating in the Prem Cup, but also give the aspiring clubs in England’s second tier a slap in the face this week by revealing […] The post RFU Board needs an immediate overhaul appeared first on The Rugby Paper.
The politicians who can fix America’s polarization problem will win (Opinion)
The elected officials who figure out how to govern across difference will dominate the next decade of American politics. With dysfunction and paralysis having become the status quo in Washington, elected officials who work together to get…
FA to canvass England players in World Cup review
The Football Association's review into England's World Cup campaign will canvass the opinions of players involved in the tournament.
Opinion | What Sputnik couldn’t do to American science, Beijing has
‘Maybe we should call it egalitarianism, or even humanism’
Opinion, comment and editorials of the day
Opinion: San Diego must reject the demonization of Jews in politics
Describing Jewish political participation as foreign, corrupt, or subversive is a clear attempt to normalize prejudice and hatred.
Health Your Self: Losing it
A few months ago, I couldn’t find my cell phone. I called again and again from our landline. I never heard it ring. Hours later, I found where I’d left it: in the refrigerator. My husband and daughter thought this was hysterical. I found it scary. Was I having early cognitive decline?
Opinion: To truly celebrate Illinois workers, boost employee ownership this Labor Day
Employee stock ownership plans lead to lower turnover, high productivity and greater pride in outcomes, but there are just over 300 in Illinois.
Opinion: Getting new hires in the door is only half the workforce challenge
Chicago has invested heavily in talent pipelines. Employers must now focus on the workplace culture that determines whether new hires stay and succeed.
Dissecting the Indiana Takes Arms Race in college football media
The sports media landscape is in the midst of a Cold War-style opinion race with Indiana football at its center.
Opinion: Are cracks beginning to show in the Nurmagomedov dynasty?
Abdulmanap Nurmagomedov created one of MMA’s great coaching legacies, but recent setbacks raise questions about whether the team built around his methods has already reached its peak.
What smart people are saying about Mamdani's AI ban for schools
The tech world has split opinions on how they feel about the NYC Mayor banning AI use in schools.
Before you sign: What imaging joint venture contracts leave out
In this Radiology Business opinion piece, radiologist Mayur Virarkar, MD, MBA, discusses some of the key lessons learned from reviewing 30 years of literature on JV deals.
Opinion: California billionaire tax could push founders away
Silicon Valley has made California a global hub for startup activity, but a proposed billionare tax puts all that at risk, writes tax policy expert Jared Walczak.
Video: Opinion | The Joke That Started a Political Movement
“For more than a decade, the people in India were scared of questioning the government. Now, finally, people are no longer scared,” Abhijeet Dipke, a 30-year-old Indian university graduate whose viral X post led to the creation of the Cockroach Janta Party, tells Opinion Video.
Loudoun seeks legal opinion before ending data center grandfather protections
Loudoun County supervisors are hitting a pause on potentially eliminating grandfather protections for 17 data center applications, instead seeking legal
Opinion: Did climate predictions hold up?
A retrospective analysis shows the 1990 IPCC report correctly predicted much of today's climate crisis due to lack of action.
Opinion: We are one rainstorm away from another public health crisis
New England’s infrastructure cannot handle more intense rainfall that overwhelms systems designed decades ago.
Christine Flowers: Love, politics and Dolly Parton
Opinion: Being a good person does not mean you are universally beloved.
Opinion | Trump Ended My American Dream
America has closed its doors to too many students and entrepreneurs.
Opinion: If we want to grow Detroit’s philanthropic pie, we have to invite more people to table
Detroit's generosity remains one of our greatest strengths, but some Detroiters have built their lives elsewhere.
Video: Opinion | What A.O.C.’s Egg Freezing Says About Politics
Alexandria Ocasio-Cortez and Karoline Leavitt may have very different politics, says Kristen Soltis Anderson, but they’re both publicly navigating similar realities: being young women in the public eye and navigating career ambition alongside questions of fertility and family.
Christopher Borick blends public opinion with politics at Lehigh Opinion Observatory
For Dr. Christopher Borick, relocating to Lehigh is more than a change in workplace. It’s an opportunity to bring together decades of teaching, political research and public opinion analysis to a university that has long been part of his professional and personal life. Borick joined Lehigh full-time in July after spending much of his career
Opinion: Balancing That Political Tightrope
Gov. Moore has shown that he can speak from facts and steer clear of the dangerous hyperbole that poisons much of our public discourse today.
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
‘It is a radical idea, but one worth debating’
Opinion, comment and editorials of the day
How data centers complicate American politics
Opinion: Data centers are driving a political realignment, creating contradictions in Republicans’ and Democrats’ positions on the economy, environment and the working class, writes Sreedhar Potarazu.
American healthcare’s ‘Moneyball’ moment
Opinion: American medicine’s future lies in smart, data-driven allocation of resources to bring down costs and wait times, writes John E. Harrison.
Opinion | The Political Power of Christian Kitsch
Precious Moments figurines and Christian romance novels aren’t overtly political, but they shape how Christian women see themselves and the world.
The Five Questions You Should Ask Before Believing the ‘Science of Math’ (Opinion)
Here’s why we should be wary of people claiming to have found the next ‘science of reading.’
Poll: 72% of Rhode Islanders feel healthcare costs are too high; some are going without treatment
KINGSTON, R.I. – Sept. 1, 2026 – While most Rhode Islanders are satisfied with how healthcare is delivered in the state, they feel more should be done to make it more affordable to everyone, according to a new public opinion poll from researchers at the University of Rhode Island. Those high healthcare costs have led […]
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.
American politics: Will Rogers overheard out on the front porch
OPINION — If Will Rogers were here today, he might have something to say: Well, I’ve been watching this country for a spell now, and I’ll tell you something that may not sit easy: …
'College GameDay' Fans Appear To Be Turning On Kirk Herbstreit
They appear to be changing their opinion of him.
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.
One of the Supreme Court’s worst ideas could save the midterms from Trump
The new opinion blocking Trump’s attempt to sabotage voting by mail makes a savvy play for several Republican justices.
Opinion/Guest column: More home health aid, better care for all in MA
Our state needs more clinicians to choose careers in home health so that we can improve outcomes for patients and bring down costs.
Opinion | Behind the Nepal-China border floods lie bad politics
While the solidarity on display in the wake of the disaster is commendable, the tragedy must not be viewed as an unpredictable, unpreventable act of nature.
Sacramento businesses and customers react to cocktails to-go bill
A bill to extend California's cocktails to-go program through 2029 is awaiting the governor's decision, with businesses supporting the measure and customers expressing mixed opinions.
Opinion | Democrats Have an Identity Politics Problem. Just Not the One You Think.
Instead of rallying around their candidates, Democrats are falling out among themselves.
Opinion | The little-understood roots of our health care catastrophe
We need to understand where it went wrong if we’re going to fix it.