SCROLL NEWS / DISCOVERY
Search headlines
Find the stories shaping the conversation.
Results for " GP " 2,723 found 🔀 AI-powered Shuffle
Airbnb names Pepijn Rijvers chief business officer
The former Tripadvisor and Booking.com leader succeeds Dave Stephenson as Airbnb furthers its hotel strategy.
Early DLSS 5 Testing Suggests the RTX 5090's Single Power Connector Might Be the Bottleneck
Community testing of leaked DLSS 5 builds suggests the tech may already be hitting a wall on NVIDIA's own flagship GPU. Tom's Hardware ran the neural rendering model through Cyberpunk 2077, Hogwarts Legacy, and Control on an RTX 5090 Founders Edition, as well as an MSI RTX 5090 Lightning Z....
Jack Daniel's maker Brown-Forman misses sales estimates on weak consumer spending
Jack Daniel's Brown-Forman missed first-quarter sales estimates and stuck to its annual targets, joining other spirits makers in warning of a weak consumer environment in the United States and Europe.
Bayer says Crop Science unit makes progress on product launches
Bayer said on Wednesday its Crop Science business had introduced two out of 10 planned new products with peak annual sales of at least €500 million ($579 million) each and mapped out further market launches.
We Asked Experts What Healthy Brain Aging Looks Like—And Which Changes to Watch For
Healthy cognitive aging doesn’t mean having a perfect memory. Learn which changes are normal, which may signal decline, and how to support brain health.
Topgolf, Family Entertainment Group team up to create exceptional guest experiences
Family Entertainment Group, a national developer and operator of entertainment experiences, is partnering with Topgolf to create exceptional guest experiences through customized entertainment solutions and operational excellence. The phased rollout follows a successful pilot program at seven Topgolf venues, according to a press release
Johns Hopkins Health Plans taps interim CEO as it searches for successor
Daniel Chojnowski, JHHP’s current CFO, will provide stability so that the Baltimore-area insurer can recruit full-time for its next chief executive, the company said.
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
Yamaha reacts to Quartararo complaint: 'He should follow Miller's example'
Yamaha team director Massimo Meregalli hit back at Fabio Quartararo's criticism. The Italian believes the Frenchman should look at Jack Miller's attitude.
Former President Joe Biden Will Attend Sept. 11 Ceremony in New York
Mr. Biden will join three other living presidents at the event. President Trump has decided to skip the ceremony and is expected to appear at the Pentagon on the 25th anniversary of the attacks.
Educators, industry leaders discuss the future of data science, AI careers with Niswonger Foundation
Industry and education leaders gathered for a workshop led by the Niswonger Foundation. The workshop focused on shifting workforce needs in the data science and artificial intelligence fields. Local stakeholders such as Kingsport City School, Eastman Chemical Company and Ballad health attended.
ChatGPT for Healthcare unveils new integrations with Epic, public health data sources
OpenAI is expanding ChatGPT's healthcare capabilities with new integrations that connect it more directly with clinical workflows and public healthcare sources. | OpenAI is expanding ChatGPT's healthcare capabilities with new integrations that connect it more directly with clinical workflows and public healthcare sources.
GPU prices are now 28% above MSRP on average, RTX 5090 explodes to 136% above MSRP
GPU prices have been tracked across 10 countries, revealing a troubling snapshot of the market that gamers have endured and will continue to endure.
DLSS 5 Officially Goes Live September 3 With NBA 2K27, Exclusive to RTX 50-series "Blackwell" GPUs
NVIDIA has confirmed that DLSS 5 will officially launch on September 3 alongside NBA 2K27, and it will remain exclusive to GeForce RTX 50-series GPUs. When asked directly at a Gamescom technical briefing whether older cards would ever receive support, NVIDIA gave a flat answer: "It's RTX...
Coming to XBOX Game Pass: RuneScape: Dragonwilds, SpeedRunners 2: King of Speed, The Royal Writ, and More
Coming to XBOX Game Pass: RuneScape: Dragonwilds, SpeedRunners 2: King of Speed, The Royal Writ, and more!
A Grip on Sports: Saying goodbye is never easy. Saying goodbye to a guy like Joe Palmquist is even tougher. Saying 'thanks' isn't. Nor should it ever be.
A GRIP ON SPORTS • I know. I should be spending the next 1,000 words or so railing about the Seattle Mariners. Or raving about the Seahawks. Anticipating the Apple Cup. Or wondering what happened to Eastern last weekend. But I’m not. All that will still be here tomorrow. Joe Palmquist won’t. And that makes me want to cry. Again.
Introducing the Three Finalists of This Year's Health Hero Challenge
Vote now through September 30th to help determine the 2026 Be Well Philly Health Hero.
NVIDIA DLSS 5 Performance Unveiled: 5x Faster Than Original Demo, 50% Perf Penalty on Average, But RTX 50 GPUs Offer “Hundreds of FPS” With MFG Enabled & More Optimizations On the Way
NVIDIA is sharing the first performance figures of its RTX 50 GPUs running DLSS 5, offering next-gen visuals at super-fast frame rates.
Nvidia’s controversial DLSS 5 arrives September 3rd and requires serious GPU horsepower
It seems to look better than the terrible initial examples.
OpenClaw 2.0 is here: What it means for enterprises
OpenClaw is making another bet: that enterprises ultimately need an agent platform to function as both runtime and workplace.
Leaked DLSS 5 is Being Tested on RTX 20-series "Turing" GPUs, Now Runs on Emulators and Old DirectX Titles
The leaked DLSS 5 DLL keeps finding new homes, and support has now spread to RTX 20-series "Turing" GPUs. That architecture is three whole generations behind the NVIDIA-recommended "Blackwell," and modders are showing no signs of stopping either. Developer ShortFuse has released new DLSS-NR...
ChatGPT Built A $1 Billion Ad Business In 200 Days
ChatGPT's advertising business has exploded, reaching a $1 billion annualized revenue run rate in just seven months.
Microsoft Outlook and OpenAI's ChatGPT Work are experiencing user outages
OpenAI's ChatGPT Work offering was down for some users on Monday, and Microsoft said it was having issues with Exchange Online.
Meet the Newest Members of Poole’s Graduate Business Community
This fall, 291 students joined Poole College of Management’s graduate business programs, bringing experience from fields including technology, education, accounting, marketing, financial services and the military. Meet six incoming students and learn about the paths that led them to NC State, what they hope to gain and where they plan to go next.
The 30 best detective shows of all time, ranked
Murder, clues, red herrings, and one last question: EW ranks the 30 greatest detective shows of all time.
12 actors, TV personalities and industry veterans we said goodbye to in August
Hayden Panettiere is among the actors, reality stars and Hollywood figures whose deaths were reported in recent weeks.
Xbox CEO Reacts To The Irony Of Rising Console Prices Being An Issue That Microsoft Itself Contributed To
Xbox CEO Asha Sharma believes it is "wonderful" that GPUs have use beyond gaming.
GPS Glitched Across The US by as Much as 33 Feet. Scientists Have Never Seen This Before.
This shouldn't have happened.
GPS Glitched Across The US by as Much as 33 Feet. Scientists Have Never Seen This Before.
This shouldn't have happened.
OpenAI's ad business hits $1 billion annualized revenue run rate
OpenAI on Monday said ChatGPT Ads, the company's advertising business, has reached $1 billion in annualized revenue run rate, as adoption picks up and global expansion rolls out.
The Blood of Dawnwalker: Benchmarks of Graphics Cards and Processors
We completed large-scale benchmarks The Blood of Dawnwalker + GPU from RTX 3060 to RTX 5090 and RX 6750 XT – RX 9070 XT in conjunction with CPU AMD and Intel....
OpenAI’s ChatGPT ads business hits $1 billion run rate as Europe gets self-serve access
That figure comes from multiplying current monthly ad revenue by 12, so it's a snapshot of where things stand today.
OpenAI's ChatGPT advertising business posted $1 billion in annualized revenue
The roughly 200-day-old ad business is now available in more than 40 countries, with self-serve access expanding Monday
OpenAI's ad business shows blistering growth, hits $1 billion annualized revenue run rate
OpenAI's move to serve ads in ChatGPT earlier this year drew ridicule from its chief rival, Anthropic, in the form of a Super Bowl commercial.
BitGo acquires NYDIG’s institutional trading business
The transaction allows NYDIG to focus on power generation, bitcoin mining and data center development, the company said.
Public Confidence in One’s Own Healthcare Provider Remains High | The Annenberg Public Policy Center of the University of Pennsylvania
Americans’ confidence in their healthcare providers remains high while confidence in U.S. healthcare institutions has declined since the start of President Trump's second term, an APPC survey conducted from April 2021-August 2026 finds.
Sacoa powers cashless payments at new Saudi entertainment venue
Sacoa Cashless System has supplied the technology infrastructure for BOLTS, a new social entertainment venue in Jubail, Saudi Arabia, according to a press release. The installation includes 38 Spark RFID readers, three point-of-sale stations with readers, RFID cards, customer relationship management and online sales modules, and the Sacoa Mobile App. The integrated platform enables guests to access attractions and make cashless transactions while providing the venue with tools to manage payments and track customer activity.
U.S. Bank expands business banking roster
The super-regional lender is adding bankers to serve business clients in Florida and Georgia, where it already has wealth and middle market bankers, an executive said.
How Guthrie plans to help PA Medicaid patients
The health system is expanding its volunteer program to keep patients insured when the Trump administration’s stricter Medicaid rules go into effect.
NVIDIA Shuts Down RTX 5000 Power Limit Control OC in Latest Driver Update
We recently reported on the open-source overclocking tool, mVolt+, unlocking power limit control on NVIDIA GeForce RTX 5000-series GPUs, allowing certain GPUs, like the RTX 5090, to draw up to 125 W of additional power and enabling significantly higher core clock speeds as a result. With the...
Dolly Parton honored at Redford Theatre with 'Steel Magnolias' screening
Fans remembered her not just for her music but for her kindness and efforts to make the world better.
Dolly Parton fans treated with tribute movie
The Redford Theatre featured a showing of Steel Magnolias in honor of the late singer
A Grip on Sports: A couple things of note today? The NFL can't get here quickly enough. And it wasn't a great weekend for the local college football teams
A GRIP ON SPORTS • As far back as I can remember, Sundays have been lazy days. The calm after Saturday’s storms. The deep breath before Monday’s hamster wheel rolls again. A day for quiet contemplation of whatever higher power guides you. Until kickoff.
Deadline Hollywood
After Jelly Roll avoided discussing his politics at the Grammy Awards in February, he peeled off the band-aid this week with a heartfelt speech. Read more below.
Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices
Hey all, Jason here. When this hits your inbox, I should be en route to the airport — not to go anywhere myself, just to pick up my better half. I must admit, it’s been strange to be home alone (well, with two dogs) for two weeks! Really lets me “optimize” to spending more time on reading/writing/working, whether that’s healthy or not! Looking forward to getting back into a (somewhat) more balance routine. Subscribe or Support by Upgrading Compare Notes With the People Who Built Modern Fintech Partner content: Remitly CEO Sebastian Gunningham. Increase founder Darragh Buckley. Linda Du, Co-founder & President at Valon. They’ll unpack the decisions behind building and scaling major financial products: what they got right, what broke, what they would do differently, and how AI and new infrastructure are changing the operator playbook. Most events tell you where fintech is going. NerdCon puts the people who built the present in the room and asks them what comes next. Expect an operator-led conversation grounded in real products, real trade-offs and lessons earned the hard way. Fintech Business Weekly readers save 20% on Regular tickets with code FBW20 before standard pricing ends September 11. Meet the Builders Things To Know & Other Good Reads Advent and Stripe Abandon $50 Billion Pursuit of PayPal (Bloomberg) Trump Family’s New Crypto Bank Is Backed by Abu Dhabi Sheikh (Wall Street Journal) The multiplying risks of financing data centres (FT) Let the Bond Market Speak (Wall Street Journal) Did we waste a crisis? Modest proposals to reform deposit insurance. (Fintech Takes Banking) Untangling Guggenheim: How Private Credit Built Its Own Universe (Net Interest) The Hater’s Guide To Circular Financing — Part One (Ed Zitron) Fiat Ventures Rebrands to FGV Capital, Announces $35M Oversubscribed Fund II (BusinessWire) Socure Announces Strategic Growth Investment at $5.2B Valuation and Acquires Agentic Operations Platform Fravity (Socure) Listen: When Consumer Protection Disclosures Work Too Well (Consumer Finance Monitor Podcast) Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices When Andreessen Horowitz led EarnIn’s $39 million Series B in 2017, Alex Rampell, a partner at the storied venture capital firm, described EarnIn’s small-dollar advance product as “free,” relying on “entirely on voluntary contributions instead of fees.” Rampell favorably compared EarnIn’s approach to typical payday loans, writing, “Payday loans historically have had the potential to be a slippery slope for consumers into financial distress: opaque systems and steep fees that are hard to repay and set individuals back further than where they started. For many Americans living paycheck to paycheck, that kind of slide into debt can be extremely difficult to recover from.” But EarnIn’s product — which, the company says, isn’t a “loan,” legally speaking — ends up being anything but free for most users. While it is technically possible to take a no-fee advance from the company, most users incur “Lightning Speed” (instant funding) fees and/or ostensibly optional tips that combined can equate to annualized percent rates that can reach over 1,000%. With an average term of 9.77 days, even fees and tips that are small on an absolute dollar basis are equivalent to high APRs on an annualized basis. A lawsuit filed last week by Colorado Attorney General Phil Weiser against EarnIn describes the company and its product and business practices quite differently than Andreessen’s Rampell; “EarnIn’s business practices are unfair because they are immoral, unethical, oppressive and unscrupulous,” the complaint, filed in District Court in Denver, Colorado, says. EarnIn’s marquee product, Cash Out, isn’t a loan, the company says, as Cash Out is not “[f]orward [l]ooking” because “[t]he money is transferred based on earnings to date,” does not carry a mandatory fee to access funds, and is “non-recourse,” meaning EarnIn cannot pursue recovery from users who don’t repay advanced funds. EarnIn is sometimes referred to as an “Earned Wage Advance” service. Though, unlike some others in the broader category, EarnIn does not integrate with employers’ payroll or time and attendance systems. Rather, EarnIn attempts to verify a user’s income and employment, by examining direct deposit transaction data in their linked external bank account, by using GPS location and Bluetooth data to estimate a user’s time spent at work, if they work in a fixed location, and/or by having a user provided a work email address. While repayment is theoretically optional, as EarnIn would have no recourse, such as reporting non-payment to the credit bureaus or a collections agency, this is anything but clear to users of the EarnIn app, Colorado’s complaint argues. During the process of taking a Cash Out, users must agree to a preauthorized debit of the amount advanced, plus any expedited funding fee and/or tips. Though users technically can revoke this ACH authorization, the fact that they have this right isn’t presented to users during the Cash Out process, but rather is included in linked terms and conditions few users are likely to actually read. And users who do wish to revoke their ACH authorization must do so three or more days before the scheduled transaction date by emailing EarnIn’s customer support. Similarly, EarnIn’s marketing claims that it carries “no interest” and “no mandatory fees” is technically true, but is not the reality for many of the app’s users, the Colorado complaint argues. Further, EarnIn has extensively marketed to users the ability to “access your pay today,” to get “instant” funds, and to get funds “the same day you work” — when, in reality, this speed of access was only possible by paying the additional, undisclosed Lightning Speed fee. The Colorado complaint highlights this contradiction specifically, noting: EarnIn tells consumers that they can ‘Make any day payday with EarnIn’ and that there no ‘hidden’ or ‘mandatory fees.’ For a consumer to access their pay on the same day requested, they would have to pay the Lightning Speed fee. In the fine print of the advertisement EarnIn discloses that ‘[f]ees apply to use Lightning Speed,’ a direct contradiction to the larger text of the advertisement, and a fact that would not be immediately understood by a consumer as ‘Lightning Speed’ is not defined nor explained. Like other small-dollar lending services, rather than explicitly charge interest, EarnIn collects a markup on the optional Lighting Speed fee, which, given the nature of the transactions, many users opt for, as well as offering users the option to leave “tips.” EarnIn leverages either Real-Time Payments (RTP) rails or push-to-card via debit rails if a user opts for the optional Lightning Speed. But while these capabilities cost EarnIn, on average, $0.075 or $0.20 per transaction, respectively, EarnIn charges users significantly more. Initially, EarnIn charged as little as $1.99 for Cash Outs up to $24. But EarnIn has hiked these fees multiple times, and now charges $4.99 for Cash Outs up to $75 and $6.99 for those over $75. According to the Colorado complaint, EarnIn leverages “dark patterns” to manipulate users and to make it more difficult to avoid tipping. Examples of these “road blocks” highlighted in the complaint include: As of 2023, in the EarnIn app, a consumer attempting to get a loan under the default settings had to make at least eighteen separate taps to complete the transaction and reduce the tip to $0. There is an alternative method to leave a $0 tip, via the “Custom tip” feature, but EarnIn made this option difficult to access by visually deemphasizing it and positioning it near devices’ “home” button. Using language and imagery such as “Tip to pay it forward,” “Your generosity supports the service + helps,” “Your tips make a difference,” and “[t]he APR for this cash out is 0%. Your tips help support us.” While Lightning Speed and tipping are, in theory, both optional, in practice, users nearly always ended up paying something. According to the Colorado suit, users were charged either a tip or an expedite fee for more than 92% of transactions, with an average APR of nearly 388%. And, although the advances are “non-recourse,” EarnIn successfully collects on nearly all transactions — 99.18%, according to the complaint, which, Colorado argues, “demonstrat[es] that EarnIn’s advances function as high cost loans, not voluntary payments.” The share of EarnIn users incurring fees — despite the product being marketed as 0% APR — is hard to reconcile with Andreessen investor Rampell’s favorable description of EarnIn vs. “opaque systems and steep fees” associated with payday loans, which, Rampell says, can be “extremely difficult” for borrowers to extricate themselves from. According to Colorado’s suit, EarnIn’s Cash Out product “trapped many consumers in extreme cycles of high-cost reborrowing.” The suit gives an example of one consumer in the state, who took out a whopping 1,151 loans, paying a total of $4,038.50 in Lightning Speed expedited funding fees on loans that averaged the equivalent of 1,421% APR. Another Colorado user, the suit says, took out 1,033 loans, paying $8,561.22 in tips and fees at an average APR of 1,539% . These types of usage patterns demonstrate “the severe and repeated financial harm caused by EarnIn’s illegal lending model,” the Colorado complaint argues. In aggregate, from January 2023 through July 2025, EarnIn extended 3.1 million loans to 56,778 users in Colorado — an average of nearly 55 transactions per person during the time period. EarnIn lent more than $300 million and collected more than $16 million from Colorado users in Lightning Speed fees and in tips. Ultimately, the Colorado complaint argues that “EarnIn’s Cash Outs are loans under Colorado law, and EarnIn’s contention that its product is not a loan based on its disclaimer of any legal repayment obligation lacks any real-world significance given how the Cash Out transactions actually operate in practice.” Colorado further argues that “EarnIn was not working with companies here in providing consumers with funds but acted as a third-party lender and charged illegally high rates, used deceptive design strategies to extract some charges, and trapped consumers in repeat borrowing. Colorado will continue to stand up for consumers and hold companies accountable when they violate our credit laws or attempt to evade them through misleading practices.” Colorado’s suit alleges EarnIn assesses finance charge in excess of that permitted by Colorado law, that EarnIn failed to make legally required disclosures to Colorado borrowers, that EarnIn made supervised loans to consumers without obtaining the requisite license, that EarnIn violated the state’s Deferred Deposit Loan Act, that EarnIn engage in unfair and deceptive trade practices, and that EarnIn made false or misleading statements concerning price. The suit seeks a court order enjoining EarnIn from violating relevant Colorado laws, for EarnIn to refund amounts charged in excess of state law, fees, costs, and penalties, and other relief the court deems to be just. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Q2 Quarterly Banking Profile: Five Quick Takeaways The FDIC released its quarterly banking profile, which is always worth a read, for the second quarter. The profile provides an aggregate snapshot about the overall health of the 4,238 institutions whose deposits are insured by the FDIC, who, collectively, hold more than $26 trillion in assets and saw a total net income of more than $90 billion in the second quarter. Net income was up 12% vs. Q1 2026, with lower provisions and realized gains on securities helping to drive the improvement, somewhat offset by increases in non-interest expense and applicable income taxes. Overall net interest margin was basically flat quarter over quarter (up 1 basis point vs. Q1 2026), though community banks saw NIM grow by 10 basis points, to 3.81%. Unsurprisingly, given that interest rates haven’t changed, unrealized losses on securities changed little, edging up slightly to $326.7 billion vs. $325.1 billion in Q1 2026. Aggregate credit quality has remained benign, with asset quality actually improving slightly in Q2. Overall, institutions reported a 9 basis point decline in their past-due and non-accrual rate, to 1.44%. Net charge off rate also declined by 2 basis points, to 0.57%. And finally, the FDIC’s deposit insurance fund stands at $161.1 billion, making the DIF reserve ratio 1.48% — above the statutory minimum of 1.35%, but still below the designated target reserve ratio of 2%. [Paid Subscriber Exclusive] Nissan Withdraws ILC App, State Associations Plan BankChain Alliance, FDIC Defines “Unsafe or Unsound Practice” For First Time Automaker Nissan withdrew its application to charter a Utah industrial loan company and its corresponding application to the FDIC for deposit insurance last week, on August 19th. Nissan’s application had been outstanding for more than a year, as it originally applied in June 2025. Recent applications to the OCC to form national banks have been decisioned, one way or the other, substantially more quickly than has historically been the case.
Xero Adds AI, Google Targets Law Firms And Claude Beats ChatGPT: 5 Small Business Tech Stories
Xero adds AI tools, Google expands Gemini for law firms, LinkedIn fights AI slop, Goldman warns of AI risks, and Claude tops user satisfaction.
Adaptive barrel races, roping practice highlight Monument Health special rodeo
Monument Health partnered with the Central States Fair to host a special adaptive rodeo, giving athletes with disabilities a chance to join modified events.
Analysis: Encouraging signs for new boss Jaissle
Newcastle fans may well have found themselves in the opposite position to Spurs supporters before the campaign had started - fearful of what was coming. Tonali was one of three key departures from St James' Park, along with captain Bruno Guimaraes, who went to Arsenal for £85m this month, and England winger Anthony Gordon after his £69m move to Barcelona. Manager Eddie Howe left on 31 July after nearly five successful years, which included guiding the Magpies to their first domestic trophy in 70 years with victory in the 2025 Carabao Cup.
Pixel 11's Tensor G6 and Pixel 10's Tensor G5 still fall behind in performance per watt, testing shows
Geekerwan's first efficiency test of the Tensor G6 and G5 shows that both trail the Snapdragon 8 Elite and Apple's A-series chips in CPU and GPU performance per watt, while the Kirin 9030 Pro matches the Tensor chips despite being manufactured on a much older process node.
A Grip on Sports: There are only six words needed to sum up who Bill Doba was but a few hundred more to describe what he meant to Washington State
A GRIP ON SPORTS • Bill Doba was a good man.
To play Fable at 4K resolution and 60 FPS, you will need a graphics card of the RTX 5080 level.
Playground Games has officially announced the system requirements for the role-playing game Fable for PC. The developers have prepared...
Sports Overtime: Week 1 (Friday, Aug. 28, 2026)
Watch highlights and view scores from Week 1 of the 2026 NSAA football season.
DLSS 5 Patched to Work on RTX 4000 "Ada Lovelace" GPUs Despite No Official Support
The modding community has been hard at work ever since the untimely release of DLSS-NR, a precursor to DLSS 5. Now, modders have gotten NVIDIA's leaked DLSS 5 tool working on RTX 4000 series cards, even though the tool was only built for RTX 5000 Blackwell hardware. The DLL leaked earlier this...
Hamilton handed stern warning over handling of Ferrari frustration
Former Formula 1 driver Ralf Schumacher believes Lewis Hamilton should have handled his radio frustration at Zandvoort differently, arguing that a driver of his age, experience and standing within the sport should have shown greater restraint. Alongside Lando Norris’ victory, one of the main talking points to emerge from the Dutch Grand Prix was Lewis Hamilton’s frustration with Ferrari.
What video games say about Cleveland sports
Cleveland's best championship odds might currently involve a controller.
Ottawa taps 64 leading scientists and scholars to bolster Canadian research
The first group of Eddie Goldenberg Research Chairs of Canada includes researchers from 13 countries, with most leaving institutions in the U.S.
Cross-border collaboration crucial for Shaw Prize laureates’ cancer breakthrough
Three winners in life science and medicine honoured for joint efforts to understand and develop treatment for acute promyelocytic leukaemia.
Scam alert: Fake online listing uses Tanner business address to steal thousands
The Better Business Bureau is warning consumers to be on high alert for a vehicle sales scam operating online and falsely claiming to be located in North Alabama.
AOC AGP327KG is the first 5K G-SYNC Pulsar gaming monitor
AOC has unveiled the AGP327KG, a 31.5-inch 5K gaming monitor running at 144Hz. It is the first model to combine 5120×2880 resolution with NVIDIA G-SYNC Pulsar.
Employers face ‘existential reckoning’ as health costs surge
Employers are expecting a median 9.2% increase in medical spending next year, according to a new survey. But they’ve underestimated actual cost growth for the past three years, so even that figure may be too optimistic.
Nvidia earnings could reveal its fastest-growing business isn't chips: Chart of the Day
Wall Street is focused on Nvidia's GPUs, but the faster-growing story is sitting beside them.
Monogram Health to pay $2.4M to settle Medicare Advantage upcoding allegations
The Justice Department told Healthcare Dive that Monogram, a home health company, overcharged Medicare through contracts with Cigna and Humana by inflating diagnostic codes.
New Device at UToledo Health Helping Critically Ill Patients Get Off Ventilators Faster
The FDA-approved LungPacer AeroPace® System uses targeted neurostimulation to strengthen the diaphragm of ventilated ICU patients, helping them breathe on their own faster and reducing the risk of serious complications.
Darline Graham, Ralph Norman go head-to-head in South Carolina's GOP Senate runoff
The two-week runoff window since the two Republicans were the top vote-getters in an Aug. 11 primary has been a slugfest.
Air taxi vertiport coming to downtown LA sports complex
Archer Aviation, the official air taxi provider for the 2028 Olympic Games in Southern California, adds the venue to its network of flight facilities in the region.
VA deploys Oracle EHR to 3 medical centers in Indiana
The Department of Veterans Affairs is making progress on its goal to add the new electronic health record to all of its medical centers. Past deployments have been plagued by technical challenges and delays.
German business sentiment rises more than expected in August, Ifo survey finds
German business morale grew more than expected in August, a survey showed on Tuesday.
Will a ‘reset’ reignite investment in women’s health startups?
After peaking in 2024, venture investments in startups involved in the space declined last year. But a broader adoption of AI and a widening definition of what constitutes women’s health could spur a rebound, some say.
Ringgold business owners demand solutions as recovery from flash flooding continues
As Ringgold businesses continue cleaning up from last week’s flash flooding, owners are pressing city leaders for answers on what can be done to prevent similar
Lenovo Addresses Legion Go BIOS Update Bricking Gaming Handhelds
It was recently revealed in a handful of Reddit posts that an official Lenovo Legion Go BIOS update (N3CN42WW) was apparently causing the handheld gaming PCs to become unresponsive, with users claiming Lenovo told them they would be on the hook for repair costs. Now, nearly three weeks after the...
Intel Crescent Island GPUs Pack Up To 32 Xe3P Cores, Optimized For Agentic AI With Low-Cost LPDDR5X That Reaches Up To 480 GB Capacity
Intel has given the rundown on its next-gen AI inference accelerator, Crescent Island, which packs 32 Xe3 cores and 480 GB of LPDDR5X memory.
Gap Inc. taps Walmart alum in ‘fashiontainment’ push
Justin Breton is joining the retailer as vice president of development and will report to entertainment chief Pam Kaufman.
Health systems warn patients of MyChart phishing scam
Scammers are masquerading as MyChart to trick patients into providing personal information. Epic says that the increase in phishing attempts are just cybercriminals taking advantage of the MyChart brand rather than a security concern.
Healthcare was built around specialties. Patients experience it as one journey.
Care coordination starts by designing healthcare around people, not disconnected systems.
Why environmental performance is becoming a business priority for solid waste
For solid waste operators, environmental performance has always been essential. What’s shifting now is its central place in core business strategy.
PSA: Modern Warfare 4's Switch 2 Retail Version Is Apparently A Code-In-A-Box
It's just a box with a download code, according to VGP
Meet George: The bald eagle who hangs around at a science station
The "Oregon Field Guide" team met a very special local resident at the USGS Marrowstone Marine Field Station.
Preview: "9/11 United We Stand - 25 Years Later" Celebrates The Power Of Entertainment
The upcoming ABC documentary about 9/11 focuses on what happened next.
Maryland launches court-ordered mental health care in Baltimore, some counties
The “respondent” will have the option to voluntarily enter the plan, but there are few details on what happens next if the patient does not cooperate.
Kids learn about business at Springfield’s Kenefick Park
They introduced their brands, pitched ideas, interacted with customers and sold products they’ve been working on to develop.
Legendary rock band stuns fans by retiring due to health reasons. Here’s what we know
After more than six decades it appears the band is done.
Legendary rock band stuns fans by retiring due to health reasons. Here’s what we know
After more than six decades it appears the band is done.
Claude Has More Google Workspace Integrations...And Other Business Technology News This Week
Claude expands workplace integrations, ChatGPT can edit Drive files, AI job losses remain limited, and LinkedIn offers an AI marketing playbook.
7 things to share with ChatGPT to get better answers immediately
The safest, most useful details you can tell ChatGPT to get better results
WHO RUNS MARYLAND POLITICS NOW?
ByThe Maryland Wire The Machine Didn’t Die — It Broke Apart Mike Miller is gone. Steny Hoyer is retiring. The two men who helped define Maryland political power for generations are disappearing from the map. Nobody has inherited all of what they controlled. Instead, Maryland power has fractured among Wes Moore, legislative leaders, county organizations, federal figures and a new generation fighting to connect the pieces. By The Maryland Wire For decades, there were two names in Maryland politics that required almost no explanation. Mike Miller. Steny Hoyer. You didn’t necessarily have to agree with them. You didn’t even have to like them. But everyone understood something: Not social-media power. Not cable-news power. Not the temporary power that comes from one big election. They possessed political infrastructure. Relationships. Institutional memory. Donors. Staff. Allies. County leaders. Lobbyists. Legislators. Operatives. And the ability to connect people who needed something with people capable of delivering it. Today one is gone. The other is preparing to leave Congress after more than four decades. And Maryland faces a question it hasn’t had to answer in generations: The answer may be: Nobody. At least not the way Miller once did. Maryland’s old machine wasn’t inherited by one person. It fragmented. And now several ambitious political networks are competing to assemble the pieces. Miller presided over the Maryland Senate for 33 years, becoming one of the longest-serving legislative leaders in American history. He stepped down as Senate president in 2019 and died in January 2021. (Behavioral and Social Sciences) But Miller’s real power wasn’t the title printed on his door. It was the accumulation of relationships behind it. Miller came from Maryland’s old Democratic organization and developed into an extraordinarily adaptable political operator, retaining authority even as the Senate around him became younger and more liberal. (The Washington Post) He understood something fundamental: politics is information. Who wants what? Who owes whom? Which senator needs help? Which county executive wants something in the budget? Which committee chairman can move a bill? Which lobbyist represents which client? Which candidate should receive support today because that candidate could be a senator ten years from now? Miller knew the answers because he’d spent decades collecting them. Miller’s influence wasn’t confined to elected officials. Former Miller aides became prominent Annapolis lobbyists. Maryland Matters noted figures such as Joseph Bryce and Timothy Perry among the high-profile lobbyists who had once served as top Miller aides. (Maryland Matters) That was one of Miller’s greatest political achievements. He didn’t merely accumulate power around himself. He produced alumni. Staffers became lobbyists. Legislators became committee chairs. Allies became power brokers. And decades of relationships reinforced one another. By the end, Mike Miller wasn’t simply a person. He was an ecosystem. Hoyer’s network was different. Miller’s power was rooted in Annapolis. Hoyer connected Maryland to Washington. He served in the Maryland Senate before winning election to Congress in 1981 and ultimately became one of the longest-serving members of the U.S. House and a longtime No. 2 in House Democratic leadership. In January 2026, Hoyer announced that he would retire rather than seek another term. (The Washington Post) His influence stretched through: Prince George’s County, Southern Maryland, Congress, federal agencies, donors, campaign organizations, and generations of Democratic candidates. And Hoyer had something machine builders value enormously: a succession network. That became obvious almost immediately. When Hoyer announced his retirement, Maryland’s 5th Congressional District exploded with candidates. Twenty-four Democrats entered the race. But when the votes were counted, the winner was Adrian Boafo, Hoyer’s former campaign manager. Boafo wasn’t running without establishment help. He was endorsed by Hoyer. He was endorsed by Governor Wes Moore. And he ultimately won the Democratic nomination. (AP News) In his victory speech, Boafo described the result as voters deciding it was time to “pass the torch to a new generation of leaders.” (AP News) That phrase captures the transition perfectly. Hoyer’s seat isn’t simply being vacated. Parts of his network are being transferred. But they aren’t being transferred to another Steny Hoyer. They’re being absorbed into a newer political constellation. And standing prominently inside that constellation is Wes Moore. If someone forces you to name the single person sitting nearest the center of Maryland Democratic politics today, the answer is Governor Wes Moore. The 2026 Democratic gubernatorial primary underscored the scale of his position. Moore won renomination overwhelmingly, receiving roughly 88% of the Democratic primary vote. (WBAL-TV) But raw votes tell only part of the story. Look at the party infrastructure. The Maryland Democratic Party says Steuart Pittman ran for state party chairman in 2025 “at the suggestion of Governor Wes Moore.” Pittman took office that July. (The Maryland Democratic Party) That’s important. Governors traditionally influence their state parties. But party leadership plus fundraising, endorsements, executive appointments and national relationships creates the beginning of something bigger: a political network that could survive the governor’s term. Moore also played a role in the Hoyer succession by backing Boafo. That’s how political organizations reproduce themselves. You support tomorrow’s politician today. And that’s the distinction that matters. Moore has enormous statewide visibility. Miller had decades of accumulated legislative control. Moore can endorse candidates. Miller could influence the environment in which legislators lived every day. Committee assignments. Leadership positions. Legislative priorities. Relationships that had been accumulating since before many current lawmakers entered politics. Moore may have a larger national profile than Miller ever possessed. But he doesn’t possess Miller’s half-century of Annapolis memory. Nobody does. Which is why the modern Maryland political structure looks less like a pyramid and more like several power centers connected by overlapping relationships. One of those centers belongs to Senate President Bill Ferguson. Ferguson controls an institution no governor can simply command. The Senate. Maryland’s official 2026 legislative records identify Ferguson as Senate President. (Maryland General Assembly) That means influence over: committee structure, Senate leadership, legislative priorities, confirmations, and negotiations with the House and governor. But Ferguson is not Mike Miller 2.0. Miller’s extraordinary longevity allowed him to become almost inseparable from the institution. Ferguson possesses the office. Miller possessed the office plus decades of political mythology and accumulated relationships. Those aren’t the same thing. The House now has its own new center of gravity. Official 2026 legislative records identify Joseline Peña-Melnyk as Speaker of the House of Delegates, alongside Ferguson as Senate President. (Maryland General Assembly) That makes the current Maryland governing triangle: Executive power. Senate power. House power. None fully controls the others. And that fact alone demonstrates how different modern Maryland is from the Miller era. The governor proposes. The legislature disposes. Committee leaders negotiate. County interests intervene. And political coalitions shift issue by issue. That’s not one machine. That’s a networked power structure. Then there’s U.S. Senator Angela Alsobrooks. Her significance isn’t that she is the new Hoyer. She isn’t. Hoyer spent decades constructing his network. Alsobrooks brings something different: Prince George’s County roots, a statewide electoral organization, a United States Senate platform, and relationships with national Democratic leaders. That makes her a critical bridge between Maryland and Washington at precisely the moment Hoyer leaves. Hoyer’s retirement therefore doesn’t necessarily weaken Prince George’s influence. It changes who carries it. Prince George’s itself is undergoing a dramatic generational transition. Official 2026 results show Aisha Braveboy winning the Democratic County Executive primary with 87,944 votes and 73.31% of the vote. (Maryland State Board of Elections) That’s political infrastructure. Prince George’s is one of Maryland’s central Democratic vote engines. A county executive with that level of primary support gains: appointments, budget influence, organizational relationships, donor access, and a platform for cultivating the next generation of political leadership. Braveboy therefore isn’t merely another person on the Maryland power map. She controls a place from which a political organization can be built. Boafo is particularly interesting because he sits almost perfectly at the intersection between the old and new worlds. He worked for Hoyer. Hoyer endorsed him. Moore endorsed him. Then Boafo beat an enormous Democratic field for Hoyer’s seat. (AP News) That doesn’t make him powerful on Hoyer’s scale. He’s just beginning. But it illustrates how power actually transfers: not through a ceremonial handoff, but through endorsements, donors, staff, relationships, and voter confidence. Boafo may become Hoyer’s congressional successor. He will not automatically inherit Hoyer’s 40-plus years of political capital. That part has to be rebuilt. This is the part that often gets overlooked. When a machine breaks apart, power doesn’t only move upward. Some people’s relationships become less valuable. Former Miller aides still know Annapolis. Former Miller allies still possess institutional memory. Veteran lobbyists don’t forget how legislation works. But something fundamental disappeared when Miller did: the common center. The person capable of connecting all of them instantly was gone. That changes the value of a political network. Imagine knowing everybody in Annapolis. Useful. Now imagine the person who introduced many of those people, appointed committee chairs, influenced Senate priorities and understood decades of relationships is simultaneously Senate President. Much more useful. Remove that person and the individual relationships remain. But the system becomes decentralized. First: Bill Ferguson. The Senate’s institutional relationships now run through his leadership rather than Miller’s. Second: the House leadership. With the Miller-Busch generation gone, today’s House leaders are building their own committee chairs, alliances and relationships. Third: Wes Moore. Moore became governor after Miller was gone. That distinction matters. Earlier governors had to operate with Miller sitting across State Circle. Moore entered office during a generational reset. Instead of negotiating with the old machine, he has the opportunity to help build the next network. Fourth: Angela Alsobrooks and the emerging Prince George’s generation. Hoyer is leaving. Miller is gone. The county’s political leadership now belongs to another generation. Fifth: politicians who were outside the old Miller organization. When someone dominates an institution for 33 years, inevitably some politicians develop within that organization and others outside it. Miller’s departure created room for people who may never have risen as quickly under the old structure. That’s the biggest point. If Mike Miller’s power had simply transferred to Bill Ferguson, Maryland would still have a machine. If Hoyer’s influence simply transferred to Boafo, Maryland would still have a machine. If every county leader simply took orders from Moore, Maryland would have a machine. None of those things happened. Instead: Moore controls the statewide executive platform. Ferguson controls the Senate. Peña-Melnyk controls the House. Alsobrooks has statewide and federal reach. Braveboy has Prince George’s executive power. Pittman leads the state Democratic Party after Moore encouraged him to seek the role. (The Maryland Democratic Party) Boafo represents the beginning of the post-Hoyer congressional generation. And Baltimore, Montgomery County, organized labor, donors and other county organizations maintain their own centers of influence. That’s not one machine. If you want to understand where Maryland power is moving, don’t simply watch office titles. Watch endorsements. Who does Moore support? Who does Alsobrooks support? Who gets Ferguson’s allies? Who gets House leadership? Who gets Hoyer’s blessing? Who gets labor? Who gets major donors? And most importantly: That is where the new Maryland network becomes visible. The Boafo race was a textbook example. Hoyer’s successor didn’t emerge randomly from 24 candidates. He had ties to the outgoing incumbent and support from the governor. The old network and the emerging one overlapped. And voters chose him. (AP News) Moore may ultimately become the most important person in determining whether Maryland develops another durable statewide political organization. But the test isn’t whether Moore himself remains popular. The test is what happens to the people he supports. Which delegates become senators? Which senators become committee chairs? Which county officials become executives? Which staffers become candidates? Which appointees become statewide leaders? Who gets his donor network? Who gets his political advisers? Who eventually gets his endorsement when Maryland faces a post-Moore gubernatorial succession fight? That’s how we’ll know whether Moore was merely a successful governor— or the founder of another generation of Maryland power. There’s another category worth watching: politicians who came from Miller’s Maryland but remain active in the new one. Dereck Davis is one. Anthony Brown is another. Veteran legislators and former officials throughout the state still possess old relationships that newer politicians don’t. These people can function as bridges. That’s important because political systems rarely reset completely. The new machine usually grows partly from pieces of the old one. Donors don’t disappear. Lobbyists don’t disappear. Operatives don’t disappear. Institutional memory doesn’t disappear. They find new centers of gravity. If you want one name: His overwhelming 2026 Democratic renomination, executive authority, national profile and influence within the Maryland Democratic Party make that difficult to dispute. (WBAL-TV) But saying Moore “runs Maryland” the way Miller once ran the Senate would oversimplify the reality. Maryland power today looks more like this: WES MOORE Statewide organization.Appointments.Fundraising.Executive government.National Democratic relationships. BILL FERGUSON The Senate.Committees.Confirmations.Legislative leverage. JOSELINE PEÑA-MELNYK The House.Committee leadership.Budget and legislative leverage. ANGELA ALSOBROOKS Statewide electoral organization.Federal platform.Prince George’s relationships.National Democratic connections. AISHA BRAVEBOY Prince George’s executive organization.County government.A major Democratic vote base. THE POST-HOYER GENERATION Boafo and the emerging political class that will have to rebuild Hoyer’s Washington-Maryland network rather than simply inherit it. It did something more interesting. Mike Miller’s influence was too personal, too old and too deeply rooted in his own relationships to be inherited whole. Hoyer’s network is too extensive and too intertwined with decades of congressional politics to fit neatly inside one successor. So the pieces are moving. Toward Moore. Toward Ferguson. Toward Peña-Melnyk. Toward Alsobrooks. Toward Braveboy. Toward younger candidates and new county organizations. And toward veteran political survivors who understand both eras. That’s the next chapter of Maryland politics. The person who eventually connects: Annapolis, Prince George’s, Montgomery County, Baltimore, labor, business, donors, the Maryland Democratic Party, and the congressional delegation will possess something Maryland hasn’t truly seen since Miller’s heyday. Not merely another elected official. And maybe that’s why searching for “the next Mike Miller” is the wrong exercise. There may never be another one. The more important question is: Miller spent half a century becoming that person. Hoyer spent decades becoming another version of it. Maryland’s current political leaders are still competing for the privilege. And until somebody actually connects all those pieces, the most accurate answer to the question “Who runs Maryland?” may be the most fascinating one of all: No one does. Not anymore. But there are plenty of people trying. Sources University of Maryland and Maryland Matters — Miller’s 33-year Senate presidency and political legacy. (Behavioral and Social Sciences) Washington Post historical reporting — Miller’s rise from Maryland machine politics and ability to retain power as the Senate evolved. (The Washington Post) Maryland Matters — former top Miller aides who moved into Annapolis lobbying and the changing Senate power structure. (Maryland Matters) Washington Post and Reuters — Hoyer’s January 2026 retirement announcement after more than four decades in Congress and his long Democratic leadership career. (The Washington Post) Associated Press — Adrian Boafo’s 2026 victory in the Democratic primary to succeed Hoyer, including Hoyer and Moore’s support and Boafo’s “pass the torch” remarks. (AP News) Maryland Democratic Party — Steuart Pittman’s official biography stating that he sought the state chairmanship at Moore’s suggestion. (The Maryland Democratic Party) Maryland General Assembly — official 2026 records identifying Bill Ferguson as Senate President and Joseline Peña-Melnyk as Speaker. (Maryland General Assembly) Maryland State Board of Elections — official 2026 Prince George’s County results showing Aisha Braveboy’s dominant County Executive primary victory. (Maryland State Board of Elections) 2026 election reporting — Moore’s overwhelming Democratic gubernatorial primary victory. (WBAL-TV)
OpenAI Is Adding Business Users Faster Than Anthropic. That May Matter More Than Valuation
New data shows the ChatGPT maker outpacing Anthropic among business customers, even as its rival remains the revenue leader.
Latest 'GTA 6' leaks reveal strip club setting and new slow-motion camera
The most anticipated game of all time continues to suffer leaks ahead of its upcoming Netflix gameplay reveal.
Trump fatigue and immigration crackdowns test Republican hold on Miami-Dade
A recent poll of Hispanic voters in Florida shows that Trump’s popularity has waned over the past two years.
AMD RDNA 4m Firmware Published For Linux Ahead Of Launch
In addition to AMD's Friday afternoon big code drop of all the UALink enablement patches for the Linux kernel and the AMDGPU driver, there was another big drop from AMD to end out the week..
GPL Column: Make a difference with citizen science
Editor’s note: Opinions expressed by columnists are solely the opinion of that person and not necessarily the Daily Journal.
Arts and entertainment throughout the region
A listing of arts and entertainment events throughout the region.
ChatGPT gets a handy shortcut to attach recent photos more quickly
Users who rely on ChatGPT for quick visual searches can now add photos to a conversation more quickly with a new gesture. Here’s how.
Roundup: ChatGPT / GM engine failures / US business activity surges
Convenience meets risk: OpenAI has added a ChatGPT feature that can search, analyze, draft and send messages through Apple’s Messages app on Macs, making it easier to manage conversations and automate tasks. While convenient for personal and business use, the integration requires expanded access to contacts and computer data, raising concerns about sensitive information being […]
Dev TFT: SPACE GODS Reviewed
Reflecting on SPACE GODS (and more) with the team behind and beyond the set!
US business activity surges to 52-month high: S&P Global
Strong business investment and high equity prices will likely fuel 2.1% economic growth this year, Goldman Sachs said.
Arts & Entertainment Preview 2026
DAVE’S PICKS Spring gets all the buzz for fresh starts, but it’s not the only season for finding something new. The fall arts and entertainment season in central Indiana offers multiple chances to catch world-premiere productions. At the Phoenix Theatre Cultural Centre, “Everybody’s Favorite Mothers” will debut in September as the latest work by former […]
Moment of Science: How much water do you actually need?
You may have been told throughout your life to drink at least eight glasses of water each day... how accurate are those claims?
ChatGPT On Mac Can Now Read And Respond To Apple iMessages
OpenAI has rolled out a plugin that allows ChatGPT to control the Apple Messages app.
Opinion | Walz said ‘follow the science.’ His mining order does the opposite.
"The governor’s executive order throws six years of progress into question without new science, new legislation or the opportunity for a vote by our elected representatives," Dave Lislegard writes.
Data center politics take over PA midterms
Candidates in at least 20 competitive legislative races are staking out data center positions, and PA Gov. Josh Shapiro has pivoted to a tougher stance.