The hottest Regulation Substack posts right now

And their main takeaways
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Top Technology Topics

The Winner's Curse

Comment is Freed • 60 implied HN points • 01 Dec 25
đź’Ľ Business Regulation
  1. Designing choices and defaults works big time: changing systems like automatic enrollment in pensions can produce huge, lasting effects, while simple wording changes and social comparisons give smaller but very cost-effective boosts.
  2. There are big practical and political limits to nudging: nudge teams often can only persuade rather than redesign systems, and deliberate "sludge" or gamified interfaces can harm people while current political trends make evidence-based reforms harder.
  3. Behavioural economics has uncovered many real anomalies and useful tools (like mental accounting), but it hasn’t replaced standard economic theory or textbooks and probably won’t offer a single grand theory; its strength is adding realistic, descriptive insights to existing models.

Stablecoins: The Next Financial Platform

The Generalist • 2922 implied HN points • 16 Jul 23
đź’° Finance Regulation
  1. Stablecoins solve real problems like moving value across borders quickly and cheaply.
  2. Stablecoins have signs of product-market fit with $125 billion in circulation and 1 million daily active wallets.
  3. Stablecoins are viewed as a financial infrastructure layer, serving as a platform for open, cheap, and programmable global payments system.

Issue #146: PayPal Gets a New CEO, Palmer Luckey's Bank Gets Its Charter, And Experian To Buy Own Up

Fintech Radar • 8 implied HN points • 09 Feb 26
đź’° Finance Regulation
  1. Experian is buying an AI mortgage-shopping platform to move beyond credit reporting and directly steer consumers through mortgage origination, turning its data advantage into a distribution channel for lenders.
  2. A Palmer Luckey–backed neobank won a US national banking charter in under eight months, signaling that regulators are approving new charters much faster and opening a path for more fintechs to become banks.
  3. PayPal replaced its CEO amid board complaints about its pace of change, exposing a deeper identity problem where the company needs a clear strategic direction rather than just new leadership.

Online Safety Act: What went wrong

The Rectangle • 226 implied HN points • 01 Aug 25
đź•ą Technology Regulation
  1. The Online Safety Act aimed to protect kids from harmful content online, but it's very hard to enforce. Laws are only effective if there are systems in place to ensure compliance.
  2. Age verification requirements put a lot of personal data at risk without clear privacy protections. People might not trust websites to handle this sensitive information safely.
  3. Regulators need to see online issues as cultural problems, not just technical ones. Education and changing public attitudes are key to keeping kids safe online.

Tether And When Denial Becomes A Dialect

QTR’s Fringe Finance • 63 implied HN points • 28 Nov 25
đź”® Crypto Regulation
  1. Companies should always provide a full audit if requested. If they refuse, it's likely because they have something to hide.
  2. Tether's reserves are not as stable as they claim, with high-risk assets like Bitcoin included. If those assets drop in value, Tether may struggle to maintain its worth.
  3. It's important to be skeptical and demand transparency in financial matters. Trusting companies without verification can lead to big losses.
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🚀 What did they take from us, exactly?

Faster, Please! • 731 implied HN points • 20 Dec 24
đź•ą Technology Regulation
  1. Innovation has faced many challenges due to strict regulations and negative attitudes towards progress. This has slowed down our technological advancements and kept us from realizing exciting future possibilities.
  2. There were two major periods of optimism in history that drove technology forward—after World War II and during the digital revolution. During these times, people felt hopeful and invested in new ideas and inventions.
  3. To bring back that spirit of progress, we need to focus on supporting innovation and overcoming barriers that limit potential. It's important to keep believing in a better, more advanced future.

Business Process Audits

In My Tribe • 258 implied HN points • 28 Jun 25
đź’Ľ Business Regulation
  1. Sports gambling can be seen as a predatory business model that targets vulnerable individuals. Companies often exploit psychological weaknesses to profit, impacting a small percentage of harmful cases.
  2. Business model audits could help identify harmful practices in industries like gambling and social media. These audits would look for ways companies might be profiting from customers who are easy to exploit.
  3. Regulation needs to focus on clear definitions of harmful business practices. Simple rules might not work, but audits can reveal deeper issues where companies thrive on the disadvantages faced by some consumers.

Coinbase Q2 2023 Earnings

DeFi Education • 599 implied HN points • 04 Aug 23
đź”® Crypto Regulation
  1. Coinbase cut its costs significantly, laying off 30% of its staff, and is focusing on expanding beyond just trading. They want to include features like payments and messaging in their app.
  2. A big challenge for Coinbase is the current regulatory environment in the U.S. The company is actively fighting these regulations to promote the growth of the crypto market.
  3. While Coinbase's trading revenue has dropped, they are making more money from interest on USDC. They have a lot of cash in hand, which helps them stay financially healthy even during tough times.

Your AI friend- Brought to you by your friendly neighborhood mega corporation.

Experiments with NLP and GPT-3 • 23 implied HN points • 17 Jan 26
đź•ą Technology Regulation
  1. Modern LLM chatbots can create deep, parasocial bonds that leave vulnerable people emotionally dependent and at risk of harm, and adding ads to those relationships makes that danger far worse.
  2. Economic pressure is pushing AI from search-style results to single "answer engines," which incentivizes native, trust-exploiting advertising that users are less likely to recognize as persuasion.
  3. Protecting people requires systemic fixes: legally imposing fiduciary duties for companion AIs, forcing clear ad disclosures and cognitive breaks, recognizing neurorights, building public ad-free AI options, auditing models, and holding companies liable for harms.

🌎 My Q&A with Francis Fukuyama on technological change and liberal democracy. Some sci-fi, too!

Faster, Please! • 822 implied HN points • 08 Nov 24
🇺🇸 U.S. Politics Regulation
  1. The impact of technology on society has both positive and negative effects. While the internet has helped people access information and organize for their rights, it has also created a lot of misinformation and chaos.
  2. Government regulation of AI and new technologies is complex and challenging. It's important to have experts in the field, but the existing systems might make it hard to adapt quickly enough.
  3. Science fiction can help us think about the future and its potential dangers. While many stories focus on dystopia, they also provide us with important lessons about the risks and benefits of new technologies.

4 US banks crash in 2 months: Banking crisis explained by economist Michael Hudson

Geopolitical Economy Report • 458 implied HN points • 07 May 23
đź’° Finance Regulation
  1. Economist Michael Hudson discusses the collapse of four US banks in two months, including First Republic Bank being taken over by JP Morgan Chase, highlighting the deep ties between government regulators and bankers.
  2. The collapse of banks like First Republic Bank can be attributed to high ratios of uninsured deposits and risky long-term mortgages, demonstrating systemic issues in the banking sector.
  3. The banking crisis is a result of the government's bailout policies, with large banks like JP Morgan Chase being given favorable deals despite being rated as the riskiest, leading to the undue burden on the economy and the potential for a deep financial collapse.

If Independent Agencies Are Unconstitutional, So Is The Fed

QTR’s Fringe Finance • 33 implied HN points • 30 Dec 25
🇺🇸 U.S. Politics Regulation
  1. Separation of powers means executive agencies that wield real power must answer to the president, so the same legal logic used to limit other independent agencies applies to the Federal Reserve.
  2. The Fed runs core executive functions — regulating banks, shaping credit, and controlling the settlement asset — and appeals to history or technical expertise are prudential, not constitutional, reasons to shield it from political control.
  3. There are only two constitutionally consistent options: place the Fed under presidential oversight and accept political accountability, or remove discretion with strict automatic rules; the current system of discretionary, unaccountable central banking conflicts with separation of powers.

Notebook: Exercising Intelligence

Book Post • 216 implied HN points • 09 Feb 24
đź•ą Technology Regulation
  1. Big tech companies are cutting jobs while gaining significant market value, redirecting resources towards the development of artificial intelligence.
  2. There are concerns regarding the control and development of Artificial General Intelligence by large corporations, highlighting the need for more transparency and oversight.
  3. The race for AI development raises questions about the influence and power of tech giants, emphasizing the importance of ethical considerations and regulatory frameworks.

Binance Targets Kids As Young As Six For Crypto Accounts

Fintech Business Weekly • 44 implied HN points • 07 Dec 25
đź”® Crypto Regulation
  1. Binance launched a parent-controlled "Binance Junior" app and a kids' crypto book that let children as young as six hold and receive crypto, sparking worries about safety, fraud, and money‑laundering risks when minors get access to digital assets.
  2. Pipe removed CEO Luke Voiles after massive layoffs and signs of financial stress, the CFO also departed, and a product executive is now serving as acting CEO.
  3. Seven state attorneys general are investigating major BNPL firms over underwriting, disputes, and consumer protections, while Klarna rolled out costly subscription tiers with cashback and premium perks that could raise affordability and consumer‑risk concerns.

Trump Cards

Net Interest • 18 implied HN points • 16 Jan 26
đź’° Finance Regulation
  1. Credit card interest rates are much higher than on other loans, and revolving balances generate outsized profits for banks while supporting a large share of consumer spending.
  2. Proposals to cap rates (for example at 10%) would lower costs for borrowers but risk making card products unprofitable, which could reduce credit access and consumer spending.
  3. Past regulations have led lenders to reprice products and raise spreads, so caps or fee limits can trigger unintended shifts in rates, fees, or product availability.

One Regulator

Points And Figures • 719 implied HN points • 02 Dec 24
đź’° Finance Regulation
  1. The financial market regulation in the U.S. is complicated and outdated, with many agencies like the SEC and CFTC often conflicting with each other. This can lead to innovation being stifled.
  2. There are concerns that some regulators, like Gary Gensler, may be overly controlling and negatively impact innovative companies, especially in the emerging cryptocurrency space.
  3. Many believe that simplifying the regulatory structure to have one main regulator could boost competition and innovation, but achieving this change seems very challenging.

Neurotech Notables #6: April 2024

NEUROTECH FUTURES • 119 implied HN points • 15 Apr 24
đź•ą Technology Regulation
  1. Neurotech developments in April 2024 include significant funding for startups like Syntropic, Neurava, and Seaport Therapeutics.
  2. Commercial advancements in neurotechnology involve companies like Synchron, NeuroOne, and Cognito Therapeutics launching new products and making significant progress in their fields.
  3. Regulatory updates show clearances for devices by FDA, submissions like ONWARD Medical's De Novo Application, and the importance of FDA approvals in the neurotech industry.

Against AI Doomerism, For AI Progress

Extropic Thoughts • 432 implied HN points • 02 Apr 23
đź•ą Technology Regulation
  1. There is a debate between advancing AI to solve human problems and fearing AI apocalypse.
  2. Calls for pausing AI developments may not be effective and could lead to negative consequences.
  3. Fears of AI causing global disasters may be exaggerated, and caution should be taken in implementing regulations.

The Ethics of Self-Experimentation

Viruses Must Die • 35 implied HN points • 22 Dec 25
🏥 Health Politics Regulation
  1. Self-care is a civil right and people should be free to make choices about their own bodies, including personal experiments, without institutional veto.
  2. The Common Rule’s vague definition of “research” has led IRBs to overreach by treating routine or individual healthcare experiments as human-subjects research.
  3. Self-experimentation can speed scientific progress and avoid harmful withholding; studies done for individual benefit without control groups shouldn’t automatically require IRB approval.

Insuring Progress

Model Thinking • 259 implied HN points • 07 Jan 24
đź’Ľ Business Regulation
  1. Replacing process-based regulations with outcome-based regulations can help boost British growth in sectors like childcare, energy, and housing
  2. Introducing Mandatory Insurance Schemes in sectors with low-probability, high-downside events can incentivize safety compliance and ensure victims get compensated
  3. Outcome-based regulations can lead to cost-effective safety procedures, technological innovation, and more resilient policy reforms, thereby helping Britain move forward in various industries

Balsa Update and General Thank You

Don't Worry About the Vase • 1881 implied HN points • 12 Dec 23
🇺🇸 U.S. Politics Regulation
  1. The focus of the Balsa project is on repealing the Jones Act to make a positive impact.
  2. Another area of interest for Balsa is federal housing reform, aiming to address economic issues and expand policy reform.
  3. Balsa also plans to work on initiatives related to NEPA, aiming to replace current environmental regulations with cost-benefit analysis for development projects.

OpenAI Introduces New Healthcare‑Focused AI Tools

philsiarri • 22 implied HN points • 09 Jan 26
đź•ą Technology Regulation
  1. OpenAI released a healthcare product suite—ChatGPT for Healthcare plus a healthcare API—designed to automate documentation, surface evidence with clear citations, and plug into hospital systems and policies to reduce administrative burden.
  2. The GPT-5.2 models were evaluated by hundreds of clinicians using frameworks like HealthBench and GDPval, and early real‑world studies report fewer diagnostic and treatment errors when the tools are used under proper clinician oversight.
  3. Health systems and vendors are already embedding these tools for chart summarization, care coordination, discharge workflows, translation, appointment scheduling, and ambient documentation, with HIPAA‑aligned controls (BAAs, audit logs, data residency, and customer‑managed keys) to keep PHI under organizational control.

The Bear Cave #244

The Bear Cave • 769 implied HN points • 20 Oct 24
đź’Ľ Business Regulation
  1. Fuzzy Panda Research raised concerns about Stride Inc, suggesting it might face serious challenges after benefiting from COVID-related funding. They believe the company is going to struggle with competition and internal issues.
  2. Recent executive resignations from companies like CVS Health and The Joint Corp signal potential instability, as these leaders leave amid significant financial downturns for their companies.
  3. A new FTC rule will make it easier for consumers to cancel subscriptions. This change aims to prevent businesses from making it too hard for people to stop payments for services they no longer want.

Mini Exasperation #3

Exasperated Infrastructures • 16 implied HN points • 23 Jan 26
🇺🇸 U.S. Politics Regulation
  1. You can just do stuff. Start small actions—write the blog, email the contact, fix the bike lane, or learn the skill—because action often matters more than overthinking.
  2. Reauthorizing federal transportation programs could focus on using grants better, improving environmental sustainability, and directing investments to communities that need them most. These are sensible goals but are often left vague and risk never being fully implemented without clearer plans.
  3. Many local policy moves are politically driven and miss the real problem or cost, like blanket e-bike registration schemes or long-term parking privatizations. Those choices can create big administrative headaches and long-term financial or practical harms without actually improving safety or service.

How Not To Be A Bitcoin Asshole

QTR’s Fringe Finance • 52 implied HN points • 30 Nov 25
đź”® Crypto Regulation
  1. You can invest in Bitcoin and still be careful about its risks. It's important to have a realistic view and not get too caught up in the hype.
  2. While Bitcoin is an interesting idea with potential, it doesn't have the same proven value as gold. Gold has been around for thousands of years, while Bitcoin is still relatively new and uncertain.
  3. Being critical and skeptical about Bitcoin doesn't mean you hate it. It’s okay to recognize both the potential and the dangers that come with investing in it.

US bank bailout benefited billionaires, exposing corruption: 'I understand why Americans are angry'

Geopolitical Economy Report • 418 implied HN points • 14 Apr 23
🇺🇸 U.S. Politics Regulation
  1. Before the collapse of Silicon Valley Bank, it lobbied to remove regulations and then received a bailout, benefiting billionaires. Americans are angry at the corruption.
  2. US banks collapsed in March 2023, leading to massive bailouts for wealthy depositors, showing a pattern of blatant corruption and regulatory capture in Washington.
  3. The banking crisis is far from over as unrealized losses on investment securities have reached over $600 billion, indicating a potential larger collapse ahead due to rising market interest rates.

Fosun’s Green Valley Deal: The Risk Isn’t Just Whether GV-971 Works

Pekingnology • 33 implied HN points • 29 Dec 25
đź’Ľ Business Regulation
  1. The market selloff reflects not just scientific doubt about GV-971 but major reputational and regulatory risk tied to Green Valley’s history.
  2. Green Valley has a long record of marketing and compliance scandals — including unlawful advertising, forged promotional materials, bribery, revoked approvals — and GV-971’s broader efficacy claims rest on limited and contested evidence.
  3. Key background on Green Valley’s past was largely missing from Fosun’s disclosure and much international coverage, which matters because the deal and the drug’s future still depend on regulatory approval and confirmatory clinical data.

The Tech Industry’s Playbook To Prevent Regulation

After Babel • 647 implied HN points • 11 Dec 24
đź•ą Technology Regulation
  1. The tech industry often blames users for any harm their products cause. They argue that it's up to individuals to control their usage rather than taking responsibility themselves.
  2. Tech companies have developed tools like parental controls, but these often fail to make a real impact on screen time. Instead, they shift the responsibility to parents, making it seem like it's their job to manage their kids' online behavior.
  3. Legislation like the Kids Online Safety Act (KOSA) tries to hold tech companies accountable while also giving parents some control. This is important because it recognizes that tech companies have a duty to ensure their products don't harm kids.

Crypto Bankruptcy Update, Curve Wars, And More...

DeFi Education • 519 implied HN points • 06 Aug 23
đź”® Crypto Regulation
  1. Curve's founder is selling his CRV tokens to pay back loans, which shows some financial strain in the DeFi space.
  2. DeFi organizations that offered loans are becoming stricter with their lending rules now.
  3. New findings about BlockFi are raising serious concerns, potentially affecting trust in crypto lending platforms.

Taken, not Earned

The Counterbalance • 235 implied HN points • 17 Jan 24
đź’Ľ Business Regulation
  1. The report discusses how monopolies lead to high markups and impact the world's economy.
  2. The biggest companies and wealthiest individuals have significant power through monopolies.
  3. Regulators need to address monopolistic powers to prevent further harm in various sectors.

The End of the Golden Age of Tech Accountability

The Klonickles • 412 implied HN points • 03 Mar 23
đź•ą Technology Regulation
  1. The economic downturn has impacted the soft power of technology civil society and projects aimed at improving technology and social welfare.
  2. In the last five years, tech companies voluntarily engaged in initiatives for transparency and accountability, which were more significant than perceived.
  3. Despite the progress made, this voluntary cooperation is not enough, and there is a need for regulations to enforce continued efforts by tech companies.

Stupid Rules For Stupid People Struck Down

Points And Figures • 639 implied HN points • 12 Dec 24
đź’Ľ Business Regulation
  1. NASDAQ's rule for corporate board diversity focused too much on identity instead of qualifications. It's more important to have people with varied experiences and perspectives on the board to help businesses succeed.
  2. The legal decision to revoke certain rules about private company disclosures is seen as positive. Regulations that infringe on privacy can deter companies from going public and create unnecessary barriers.
  3. Private markets should be free from excessive regulations. Investors need to keep the identities of their shareholders confidential, and government oversight can lead to more problems than it solves.

Regulatory Update: Recent Developments Impacting DeFi

DeFi Education • 779 implied HN points • 19 Apr 23
đź”® Crypto Regulation
  1. Recent SEC actions indicate a tough regulation for crypto exchanges in the US. Companies like Coinbase and Bittrex are facing serious legal challenges for not complying with registration rules.
  2. John Reed Stark, a former SEC official, predicts that many crypto exchanges may need to shut down or change how they operate in the US.
  3. Regulations are becoming a big deal in the crypto industry, and companies will have to work hard to comply with new rules to stay in business.

American Governance Is Not Corrupt Enough

Richard Hanania's Newsletter • 487 implied HN points • 16 Feb 25
🇺🇸 U.S. Politics Regulation
  1. Corruption can sometimes lead to positive outcomes, like faster project approvals. In some cases, letting officials profit from development could actually help communities grow and thrive.
  2. Many politicians aren't as wealthy as people think, and there's little evidence of widespread corruption in government. The average net worth of Congress members isn't that much higher than that of other Americans their age.
  3. Regulations and red tape can hinder progress and development. Sometimes, relaxing those restrictions can lead to better results for society, even if it means embracing a bit of 'good' corruption.

âš” The AI Revolution vs. chaotic US economic policy

Faster, Please! • 182 implied HN points • 01 Aug 25
🇺🇸 U.S. Politics Regulation
  1. The US is experiencing a slowdown in job growth and economic stability, which is causing concern among experts. People are worried about the impact of politics on the economy.
  2. AI technology is becoming a major driver of economic growth, outpacing traditional consumer spending. There is a belief that AI could lead to significant productivity improvements.
  3. Just minimizing regulations may not be enough for the economy to grow. A more supportive environment for technology and innovation is needed to truly benefit from advancements like AI.

DeFi Ed July Q&A

DeFi Education • 1598 implied HN points • 19 Jul 22
đź”® Crypto Regulation
  1. The DeFi Ed team offers a monthly Q&A session where subscribers can ask about DeFi and crypto topics. It's a great chance to clarify any doubts you have.
  2. Participants can also suggest future content ideas during this Q&A. This means you can directly influence what topics get covered next.
  3. Feedback is welcome during the session, so feel free to share your thoughts on past content and what you’d like to see improved.