The hottest Regulation Substack posts right now

And their main takeaways
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Top Technology Topics

Genre Grapevine on the Sudowrite Controversy and the Increasing Pushback Against AI

Genre Grapevine • 4 HN points • 21 May 23
🕹 Technology AI Ethics Regulation Development Training
  1. Sudowrite faced pushback for launching a AI tool that helps in writing long-form stories
  2. The writing community has concerns about AI models being trained on copyrighted works and the lack of transparency
  3. There's a growing focus on regulating AI tools, ensuring ethical guidelines, and involving communities in development

Twitter Blue Thread: Newsletter Edition

Mosquito Chronicles • 4 HN points • 25 Apr 23
🕹 Technology Social media Product Development User Experience Regulation Competition
  1. Making large changes to social media platforms like Twitter and Facebook requires caution due to the complexity of the systems and the potential unintended consequences.
  2. Even small technical changes can have big impacts on user experience and site performance.
  3. User retention and engagement on social media platforms can be heavily influenced by subtle design elements and cultural dynamics.

Issue #76: The UK Wants To Drop £1b On Late Stage Fintech Startups, Nubank Posts Record Revenue And BitGo Secures The Bag

Fintech Radar • 8 implied HN points • 22 Aug 23
💰 Finance Fintech Investments Banking Regulation Crypto
  1. The UK is investing heavily in late-stage fintech startups with a £1 billion fund.
  2. Investors are cautious about valuing FinTech companies due to global economic concerns.
  3. Nubank has achieved record revenue growth and increased customer base, while BitGo has secured a significant funding and valuation.

To Serve and Protect

Perspective Agents • 12 implied HN points • 15 Mar 23
🕹 Technology AI Ethics Regulation Safety Policy
  1. OpenAI introduced GPT-4, a powerful language learning model with improved safety measures.
  2. Concerns exist about the extent to which people will rely on AI for thinking, and how it will impact authorship and credibility of knowledge.
  3. Regulating AI for billions of users is challenging, requiring multi-stakeholder collaboration, self-regulation, public awareness, and adaptive policy-making.

Court Decision Looms On Auto Right to Repair. A Lawyer Explains What It’s All About.

Fight to Repair • 19 implied HN points • 18 Aug 21
🇺🇸 U.S. Politics Law Legislation Courts Voting Rights Regulation
  1. A Federal Judge in Massachusetts will soon decide on the legality of Question 1, which could impact the right to repair modern vehicles with telematics systems.
  2. The case highlights a clash between consumers' desire for repair access and automakers' concerns about cybersecurity risks and protecting intellectual property.
  3. The outcome of this case could set a precedent for other industries facing similar right-to-repair and cybersecurity debates, potentially reaching higher courts for decision.
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Issue #85: Goldman Sachs Regrets The Apple Card, The CFPB Proposes A s1033 Uplift, And Australia Outlines A Licensing Regime for Crypto Exchanges

Fintech Radar • 6 implied HN points • 24 Oct 23
💰 Finance Regulation Acquisitions Funding Startups Partnerships
  1. CFPB is proposing a rule to accelerate the shift towards open banking for consumer data control and protection.
  2. Australia is planning to regulate cryptocurrency exchanges by requiring them to hold financial licenses.
  3. Goldman Sachs is regretting its Apple Card partnership due to financial challenges and is considering exiting consumer lending.

Nigeria's "Danfo" Airline And The NCAA's Dance With Death

westafricaweekly • 7 implied HN points • 29 Aug 23
💼 Business Airlines Regulation Corruption
  1. Max Air, a Nigerian airline, faced serious safety breaches and malpractices in its operations.
  2. The Nigerian Civil Aviation Authority (NCAA) discovered 48 major safety breaches during an audit of Max Air.
  3. Despite the alarming audit findings, there were instances of questionable reversals in decisions by the NCAA regarding Max Air's operations.

If ESG is in the dumps, what will be the new hotness?

Fund Marketer • 3 implied HN points • 27 Mar 24
💰 Finance Investing ETFs Regulation Crypto AI
  1. ESG funds are losing popularity, and some companies are dropping the 'ESG' label from their investment products. This shift reflects growing political pressure and changing market attitudes.
  2. New trends in investing might focus on 'net-zero' goals, emphasizing investments in companies working toward reducing carbon emissions. This could be a fresh way to attract investors concerned about climate change.
  3. Tokenization is on the rise, with firms like BlackRock launching tokenized funds. This means using blockchain technology to manage investments, which could change how investors engage with financial products.

Issue #82: Apple Explores Open Banking In The UK, Ant Group Launches A Pan-Asian Mobile Wallet, And Nova Credit & HSBC Collaborate on Cross-Border Credit Sharing

Fintech Radar • 6 implied HN points • 02 Oct 23
💰 Finance Fintech Banking Payments Investments Regulation
  1. Apple introduces feature allowing UK users to view bank account balance via Apple Wallet using Open Banking APIs.
  2. Ant Group expands payment ecosystem for Asian e-wallets through Alipay+ Program, enabling seamless mobile payments.
  3. Nova Credit partners with HSBC UK to offer credit card for immigrants, leveraging international credit history for new customers.

The Talented Doctor Ripley (GPT)

Bastiat's Window • 3 HN points • 04 Apr 23
🕹 Technology AI Healthcare Ethics Regulation Speech Synthesis
  1. ChatGPT and similar chatbots pose risks to medicine, and the medical community needs to address this issue.
  2. ChatGPT can produce deceptive information, such as fabricating citations for non-existent scientific papers.
  3. AI-generated disinformation from systems like ChatGPT could have serious consequences in the medical field and strategies need to be developed to combat it.

What is going on with the DOJ's case against Apple?

Joshua Gans' Newsletter • 1 HN point • 22 Mar 24
🇺🇸 U.S. Politics Antitrust Technology Innovation Regulation Enforcement
  1. Antitrust law plays a critical role in differentiating between good and bad business practices, but should be applied carefully to avoid hindering competition.
  2. The Department of Justice's case against Apple revolves around concerns about practices that may raise switching costs for consumers, such as restrictions on certain app features and iMessage functionalities.
  3. Apple's market share dominance in the US doesn't seem to correlate with antitrust concerns seen elsewhere globally, leading to questions about the effectiveness and necessity of the DOJ's approach.

Triggered Disclosures: Escaping the Disclosure Dilemma

Musings on Markets • 19 implied HN points • 19 Oct 21
💼 Business Corporate Finance Accounting Regulation Investment Market Analysis
  1. Corporate disclosures have become very long and confusing, making it hard for investors to find important information. This complexity can confuse rather than inform potential investors.
  2. Instead of having a one-size-fits-all approach, disclosure rules should be tailored to fit the unique needs of different companies. This would help make disclosures clearer and more useful.
  3. The definition of materiality needs to change from focusing on past earnings to considering how information affects future company value. This would encourage companies to provide information that truly matters to investors.

#49: You're Taking the Unabomber's Position

On the Waterfront • 8 HN points • 02 May 23
🕹 Technology AI Exponential growth Regulation Technological progress Future implications
  1. The AI Safety debate is not about now, but a long-term issue due to an accelerating technological progress.
  2. AI Safety advocates face the challenge of regulating rapidly advancing technology, making it a losing battle.
  3. Taking the Unabomber's position means believing in an unavoidable, exponential growth curve of technological progress.

The Cure to Misinformation is More Misinformation

The Prism • 8 HN points • 24 Apr 23
🌍 World Politics Misinformation Regulation Censorship Conspiracy Theories AI
  1. The cure to misinformation is believed to be more misinformation, not less, by some experts.
  2. Attempts to regulate misinformation through censorship and AI may not be effective and could actually make the problem worse.
  3. Exposing people to misinformation in a controlled manner, similar to vaccination, can help them develop immunity and discern truth from falsehood.

Banning Open-Weight Models Would be a Disaster

Coding on Autopilot • 1 HN point • 08 Mar 24
🕹 Technology AI Ethics Regulation Open Source Data Privacy Risk management
  1. Banning open-weight models could be harmful as it gives individuals, academics, and researchers the ability to innovate and contribute positively.
  2. Open models level the playing field, democratize access to AI technology, and foster competition, innovation, and economic growth.
  3. Regulations should focus on large organizations rather than restricting access to individuals; the focus should be on punishing those who misuse AI technology.

Why don't we have better over-the-counter sleep aids?

More is Different • 3 implied HN points • 22 Jan 24
🏥 Health & Wellness Regulation Safety Alternatives FDA Approval
  1. Cognitive Behavioral Therapy for Insomnia is the best first-line treatment for insomnia.
  2. Sleep medications can help with treatment-resistant insomnia but come with significant negative side effects and should not be used long term.
  3. Benadryl and doxylamine are common over-the-counter sleep aids with safety and efficacy concerns, potential for anticholinergic side effects and long-term safety issues.

Biden's crackdown on monopolies gave a pass to health insurers when they should have been the focus.

HEALTH CARE un-covered • 19 implied HN points • 13 Jul 21
🇺🇸 U.S. Politics Healthcare policy Regulation Monopolies Political Accountability Consumer Rights
  1. Health insurers have grown a lot since 2008, with some now being among the largest companies in America. This is a big change that affects consumers' choices and costs.
  2. Despite the focus on hospitals and drug companies, health insurers haven't faced much scrutiny for rising costs. The current system allows insurers to raise prices without clear benefits for consumers.
  3. The idea of having real choices in health insurance is mostly a myth. Many people find they have limited options, especially if their employer decides their coverage.

Meta’s Dangerously Carefree AI Chief

Nonzero Newsletter • 2 HN points • 16 Mar 24
🕹 Technology AI Regulation Ethics Government Innovation
  1. Yann LeCun, the chief AI scientist at Meta, believes that concerns about open-source AI are baseless, despite potential risks associated with its accessibility and unintended use.
  2. There is a connection between income inequality and societal issues like health problems, violence, and pollution, even though causation may not be directly proven.
  3. Political analyst Daniel Levy suggests specific steps for President Biden to leverage his influence and help secure a ceasefire in Gaza, including presenting a bridging proposal and using the threat of withholding arms from Israel publicly.

Unity Bank Fraud: An Unfolding Story Of Nigerian Corporate Malfeasance

westafricaweekly • 3 implied HN points • 02 Dec 23
💼 Business Fraud Banking Regulation Corporate Governance Financial system
  1. The former chairman of Unity Bank in Nigeria orchestrated a massive financial scandal involving billions of naira in non-performing loans and a dubious loan portfolio sale.
  2. The scandal involved regulatory malpractice, compliance fraud, and the misuse of bank funds by insiders, leading to severe financial harm to the bank and potential systemic risks.
  3. Despite clear regulatory violations, the bank's management, auditors, and regulators failed to take appropriate action, highlighting a need for thorough investigations and accountability measures.

Breaking: Lineage Hit With FDIC Consent Order

Fintech Business Weekly • 2 HN points • 23 Feb 24
💰 Finance Banking Regulation Fintech Risk management Compliance
  1. Lineage Bank faced regulatory issues with the FDIC due to oversight failures in its banking-as-a-service partnerships.
  2. The consent order from the FDIC requires Lineage Bank to make significant changes in its management, risk assessment, and operational practices.
  3. The impact of Lineage Bank's BaaS wind down and the FDIC order on Synapse, Synctera, and their fintech clients is not yet clear.

Silicon Valley Bank Collapse – How did it happen, what will follow?

Bas' Take on Tech • 2 HN points • 14 Mar 23
💰 Finance Banking Economy Cryptocurrency Stock Market Regulation
  1. Silicon Valley Bank, the 16th largest bank in the US, collapsed due to a mismatch in assets and liabilities.
  2. The collapse led to an emergency response from the FDIC, the Fed, and other financial institutions.
  3. The aftermath includes uncertainty in the job market, impact on other banks, and potential liquidity crises in cryptocurrency markets.

Issue #99: Entrust Wants To Buy Onfido, MEPs Move To Make Euro Transactions Arrive In 10 Seconds, And JPMorgan Plans To Open 500 Branches

Fintech Radar • 2 implied HN points • 15 Feb 24
💰 Finance Fintech Banking Investment Regulation Startups
  1. The acquisition of Onfido by Entrust indicates the evolving landscape of KYC beyond financial services, with the expansion of AI/ML-based verification technology to various sectors.
  2. JPMorgan's decision to open 500 new branches seems counterintuitive in a digital age; however, it presents a unique opportunity to invest in physical presence amidst industry trends of branch closures.
  3. MEPs implementing rules for Euro transfers to arrive within 10 seconds will likely stir industry activity to meet this requirement and may impact how charges are structured for instant transactions.

UK MEDIA REGULATOR OFCOM GOES AFTER MARK STEYN, AND ME, FOR TELLING THE TRUTH

Outspoken with Dr Naomi Wolf • 6 implied HN points • 09 May 23
🇺🇸 U.S. Politics Regulation COVID-19 Conspiracy Vaccines Free speech
  1. UK media regulator Ofcom censured Mark Steyn for sharing information from Pfizer documents about harm to women and babies.
  2. Ofcom found GB News in breach of broadcasting rules for not adequately challenging harmful claims made on air.
  3. Ofcom received over 26,000 complaints about COVID-related content and has opened several investigations into breaches.

Tales from the Silicon Valley Bank Collapse

James Ledbetter's FIN • 5 implied HN points • 12 Mar 23
💰 Finance Banking Cryptocurrency Regulation Investments Economics
  1. Silicon Valley Bank's collapse affects more than just its customers, causing ripple effects in the financial system.
  2. New York State considers ETH a security, adding complexity to crypto regulation.
  3. FTX debtors file a lawsuit seeking $9 billion from Grayscale Investments, highlighting ongoing challenges in the crypto industry.

The Economics of McCormick

Economic Forces • 3 implied HN points • 07 Sep 23
💼 Business Economics Regulation Crime Demand Theory
  1. Deregulation may not always lead to societal benefits due to factors like rent-seeking and public ignorance of economics.
  2. Increasing the number of referees in college basketball can reduce the rate of fouls, showcasing the impact of policing quality on behavior.
  3. The Alchian-Allen theorem demonstrates how travel costs can impact consumer behavior when it comes to goods of varying quality and transportation modes.

What is Kyutai?

Machine Economy Press • 2 implied HN points • 18 Nov 23
🕹 Technology AI Research Europe Philanthropy Regulation
  1. Kyutai is a French AI research lab with a $330 million budget that will make everything open source
  2. Kyutai was founded by billionaires Eric Schmidt, Xavier Niel, and Rodolphe Saadé to contribute to AI progress in Europe
  3. Kyutai aims to democratize artificial general intelligence through open science, backed by philanthropic efforts and support from the French government