The hottest Regulation Substack posts right now

And their main takeaways
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Alert: Central Bank of Nigeria Circular FPRD/DIR/PUB/CIR/01/002

RegAlert • 0 implied HN points • 09 Apr 21
💰 Finance Regulation
  1. Financial institutions in Nigeria must enroll in the CRMS and report credit facilities monthly, tagging credit files of borrowers with BVN and TIN by May 14, 2021. Non-compliance could lead to sanctions.
  2. Development Finance Institutions (DFIs), Microfinance Banks (MFBs), Primary Mortgage Banks (PMBs), and Finance Companies (FCs) are among the institutions required to enroll in the CRMS.
  3. The Circular FPRD/DIR/PUB/CIR/01/002 issued by the Central Bank of Nigeria provides details on the enrollment process and requirements for financial institutions.

Alert: Central Bank of Nigeria Circular FPR/DIR/GEN/CIR/01/008

RegAlert • 0 implied HN points • 31 Mar 21
💰 Finance Regulation
  1. The circular lists licensed microfinance banks in Nigeria as of March 31, 2021, categorized by tiers such as national, state, tier 1, and tier 2.
  2. The circular does not specify the issuing institution for the list of microfinance banks in Nigeria.
  3. The list includes various microfinance banks located in different states across Nigeria.

Alert: Central Bank of Nigeria Circular FPR/DIR/GEN/CIR/01/006

RegAlert • 0 implied HN points • 31 Mar 21
💰 Finance Regulation
  1. The circular requests financial institutions to provide a list of deposit money banks by category and their respective head office addresses as of March 31, 2021.
  2. The institutions listed in the circular include those with commercial banking licenses with international, national, and regional authorization.
  3. The head office addresses provided in the circular are mainly located in Lagos state.
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Alert: Central Bank of Nigeria Circular FPR/DIR/GEN/CIR/01/007

RegAlert • 0 implied HN points • 31 Mar 21
💰 Finance Regulation
  1. The Central Bank of Nigeria issued Circular FPR/DIR/GEN/CIR/01/007 regarding a list of finance companies licensed as of March 31, 2021. Financial institutions are required to review the list and ensure compliance with regulations.
  2. The circular provides a reference for financial institutions to follow with regards to the licensed finance companies in Nigeria.
  3. The document linked in the post contains the specific list of finance companies that financial institutions need to be aware of and comply with.

Alert: Central Bank of Nigeria Circular FPR/DIR/CIR/GEN/01/005

RegAlert • 0 implied HN points • 30 Mar 21
💰 Finance Regulation
  1. The Central Bank of Nigeria issued Circular FPR/DIR/CIR/GEN/01/005 regarding Bureaux De Change Institutions as of March 31, 2021.
  2. The circular contains a list of Bureaux De Change Institutions as of the specified date, providing transparency and regulatory information.
  3. This announcement was made public by the Central Bank of Nigeria through official channels for public awareness and compliance purposes.

Alert: Central Bank of Nigeria Circular PSM/DIR/PUB/CIR/02/01

RegAlert • 0 implied HN points • 17 Feb 21
💰 Finance Regulation
  1. The Central Bank of Nigeria has issued a regulatory framework for open banking to encourage innovation and financial inclusion.
  2. The framework establishes principles for data sharing, including requirements for data and API access, technical design, and information security.
  3. Operational guidelines related to the open banking framework will be provided at a later date.

Fight to Repair Daily: Wednesday September 14, 2022

Fight to Repair • 0 implied HN points • 14 Sep 22
🕹 Technology Regulation
  1. The right to repair movement is gaining momentum globally, with significant legal battles and initiatives such as India's e-repair market potentially worth $20 billion.
  2. Innovations like the Kytch device for repairing McDonald's McFlurry machines and initiatives like Fixit Clinics show the importance of empowering individuals to fix their own belongings, reducing waste and promoting sustainability.
  3. Policy changes, like the EU Commission's proposed requirements for smartphones and tablets to be more repairable, are crucial steps towards promoting sustainability, but there are still challenges to address in ensuring true repairability and longevity of electronic devices.

The Week in Repair: June 26 - July 2

Fight to Repair • 0 implied HN points • 05 Jul 22
💼 Business Regulation
  1. Massachusetts auto right to repair law decision delayed, influenced by EPA SCOTUS ruling.
  2. South Africa celebrates progress in auto right to repair after one year of guidelines implementation.
  3. Tire Industry Association supports REPAIR Act to protect consumers, provide repair information, and develop cybersecurity standards.

FTC’s Vote Shows Right to Repair’s Bipartisan Face

Fight to Repair • 0 implied HN points • 25 Jul 21
🇺🇸 U.S. Politics Regulation
  1. FTC's vote on right to repair had bipartisan support from 3 Democrats and 2 Republicans, indicating a shift in political unity on consumer issues.
  2. The FTC is moving to target repair restrictions that violate antitrust laws and unfair practices, showing a commitment to promoting open repair markets.
  3. The bipartisan consensus on right to repair is a significant step in reigning in concentrations of corporate power in various sectors like agriculture and healthcare.

Deceptive Warranty Claims Persist Three Years After FTC Warnings

Fight to Repair • 0 implied HN points • 09 Apr 21
🇺🇸 U.S. Politics Regulation
  1. Manufacturers continue to violate federal law by pushing deceptive warranty claims, despite warnings from the FTC.
  2. A report found that many major manufacturers still void warranties for independent repairs, going against the Magnuson-Moss Warranty Act.
  3. Advocates are concerned about lax enforcement by the FTC in protecting consumer rights, especially regarding right to repair laws.

How Big Ag Weaponizes The Clean Air Act To Keep Its Repair Monopoly

Fight to Repair • 0 implied HN points • 19 Feb 21
💼 Business Regulation
  1. Manufacturers of agricultural equipment use scare tactics about emissions to build profitable service and repair monopolies.
  2. Unlike the automotive industry, the agricultural equipment market faces stricter restrictions regarding repairs and maintenance.
  3. Big Ag's focus on emissions control is part of a strategy to prevent right to repair laws and perpetuate a monopoly on parts and services, rather than a genuine concern for clean air.

At the Crossroads: Bitcoin ETFs & Coinbase

Coin Metrics' State of the Network • 0 implied HN points • 21 Feb 24
💰 Finance Regulation
  1. The launch of Bitcoin spot ETFs has led to significant changes in Bitcoin distribution and trading volume, with inflows into new ETFs and outflows from existing ones.
  2. Coinbase's Q4 2023 earnings reported strong revenue, with a notable increase in transaction revenue and diversification into subscription and services revenue.
  3. Coinbase's revenue growth is attributed to factors such as staking services, stablecoins, and new business verticals, showcasing strategic diversification and adaptation to market trends.

Tech Regulation in India-Some important developments

Turnaround • 0 implied HN points • 14 Feb 20
🕹 Technology Regulation
  1. Tech regulation should strike a balance between innovation and control to avoid stifling progress.
  2. India's central bank is looking to set up a new entity for regulating retail payments, which may impact startups and payment gateways.
  3. OTT content providers in India are opting for self-regulation to avoid government regulations, setting an example for the tech industry.

Turning Airplanes into Air-busses

Splitting Infinity • 0 implied HN points • 13 Sep 23
🕹 Technology Regulation
  1. Consider redesigning airports to focus on passengers and not luggage, which can lead to faster, more efficient travel experiences.
  2. Building a network of small airports with small planes can save time and offer convenient regional travel options for passengers.
  3. Encourage innovation and competition in the airline industry to lower prices, enhance quality, and make air travel more accessible for consumers.

China Securities Regulatory Commission Approves WebRay IPO!

CyberSecurityMew • 0 implied HN points • 01 Jun 23
💼 Business Regulation
  1. China Securities Regulatory Commission approved WebRay's IPO, focusing on cybersecurity technology and services.
  2. WebRay emphasizes 'Security First, Governance Foremost,' offering a range of cybersecurity products and services to users.
  3. The company emphasizes precision identification, accurate defense, and deep business integration to support national cyberspace security strategy implementation.

China Issues Announcement on Adjusting Relevant Matters of Security Dedicated Product Safety Management

CyberSecurityMew • 0 implied HN points • 18 Apr 23
🕹 Technology Regulation
  1. China issued an announcement on adjusting security dedicated product safety management on April 17, 2023, in collaboration with various ministries to strengthen the safety protocols for security products.
  2. Key adjustments include the requirement for security dedicated products to be certified safe according to national standards before being sold starting from July 1, 2023.
  3. The discontinuation of the 'Sales License for Computer Information System Security Dedicated Products' and removal of the 'Announcement on Adjusting the Implementation Requirements for Mandatory Certification of Information Security Products' are part of the adjustments.

Probabilistic Risk Assessment (PRA) 's growing popularity with regulators & industries - A behind the scenes view

Beyond Harm • 0 implied HN points • 06 Mar 24
🔬 Science Regulation
  1. Probabilistic Risk Assessment (PRA) predicts the 'frequency' of industrial accidents, but this can be misleading as it does not reveal how soon the next accident might occur.
  2. PRA has limitations due to its optimistic bias, which leads to under-predicting accident rates because it ignores important factors like climate change and technology wear-out.
  3. An alternative to PRA would be using Prescriptive Protection Design Requirements, which have been historically successful in ensuring safety without relying on probability mathematics.

Revisiting, A new FAA safety standard?

Beyond Harm • 0 implied HN points • 13 Mar 24
🇺🇸 U.S. Politics Regulation
  1. The National Transportation Safety Board points out that air travel is generally safer than automobile travel, highlighting the importance of evaluating safety standards in the aviation industry.
  2. Regulators in the aviation sector need to focus on proactive risk management and conducting thorough root cause analyses to prevent fatal accidents in the future.
  3. It's crucial for regulators to not overlook warning signs or design deviations in aircraft safety, emphasizing the need for a more cautious approach to maintaining safety standards.

BNPL Competition Is Fierce. For Now, Satisfaction Is Highest for Credit Card Issuers: A Q&A with J.D. Power’s Miles Tullo

James Ledbetter's FIN • 0 implied HN points • 18 Mar 24
💰 Finance Regulation
  1. One in five U.S. shoppers used Buy Now Pay Later services, with younger consumers mainly using BNPL for daily essentials, showing fierce competition in the market with traditional credit card issuers leading in satisfaction.
  2. The 2024 U.S. BNPL Satisfaction Study by J.D. Power found high satisfaction with credit card issuers like American Express, Chase, and Citi compared to BNPL providers Klarna, Afterpay, and Affirm, indicating key areas where card issuers are excelling.
  3. Factors affecting customer satisfaction with BNPL services include demographics, user behavior, and the types of purchases made, showcasing a shift towards security and terms as driving factors for future BNPL growth, alongside the importance of regulatory oversight for market evolution.

A whole heap of AI news

Joshua Gans' Newsletter • 0 implied HN points • 12 Nov 23
🕹 Technology Regulation
  1. The new AI Executive Orders are heavily critiqued for their lack of embracing uncertainty, trust in human capability, and dictating innovation outcomes.
  2. OpenAI introduces a tool that allows users to create ChatBots without coding, an interesting advancement in AI accessibility.
  3. A new AI wearable device called AI pin aims to replace traditional phones, projecting information on the user's hand, signaling possible future tech advancements.

The thing about AI I am worried about: Competition

Joshua Gans' Newsletter • 0 implied HN points • 17 May 23
🕹 Technology Regulation
  1. The CEO of OpenAI called for AI regulation, suggesting the creation of an agency for licensing AI models, which could potentially limit competition and create barriers for startups.
  2. The proposed licensing process may lead to incumbents like OpenAI controlling the industry evolution by either acquiring successful startups or forcing them to comply, creating an 'incumbents' club.'
  3. Legislators should be cautious of regulatory requests from established players, as regulations may end up benefiting them more than promoting social welfare. They should aim to create more accessible, cost-effective licensing processes to prevent stifling competition.

The discourse about AI is weirdly terrible

Joshua Gans' Newsletter • 0 implied HN points • 08 May 23
🕹 Technology Regulation
  1. The debate on AI lacks economics and is often polarized and unproductive.
  2. The core of the AI discussion is essentially about regulation, where uncertainty should be acknowledged and addressed through experimentation.
  3. Wealthy individuals, despite their usual stance against regulation, are concerned about AI's potential power and advocate for regulation to potentially prevent threats to their status quo.

What to Learn from US Govt Strategy on AI

Joshua Gans' Newsletter • 0 implied HN points • 21 Dec 16
🕹 Technology Regulation
  1. The US government's approach to AI shows urgency by preparing comprehensive national plans in a short amount of time.
  2. AI is seen as commercially significant with increased investment in human and financial capital.
  3. China has become a leader in AI research, surpassing the US in certain aspects, indicating a shift in global dynamics and the need for strategic preparation.

Precognitive Antitrust and Disruption

Joshua Gans' Newsletter • 0 implied HN points • 11 Feb 16
💼 Business Regulation
  1. Incumbents facing disruption may choose to acquire disruptive entrants to avoid being disrupted themselves.
  2. Privately held companies being acquired by competitors rather than going public can stifle innovation and competition.
  3. Acquisitions as an exit strategy for startups can impact antitrust considerations and drive entry into markets.

Free content and net neutrality

Joshua Gans' Newsletter • 0 implied HN points • 23 Dec 15
🕹 Technology Regulation
  1. Net neutrality can impact deals that offer free content to consumers, raising questions on its application and implications.
  2. Concerns arise over potential violations of net neutrality principles when ISPs favor some content over others by providing it more affordably to consumers.
  3. Regulation needs to address complex issues beyond simply adopting net neutrality as a principle, requiring careful consideration of ISP pricing strategies and content access.

Of Homo Economicus and Superintelligence

Joshua Gans' Newsletter • 0 implied HN points • 21 Dec 15
🔬 Science Regulation
  1. Bostrom's work on superintelligence explores the challenges of regulating AI and the potential risks it poses to humanity, raising crucial questions about AI's impact and our ability to control it.
  2. Economic theories suggest that co-existence with superintelligences may be possible, with the concept of general equilibrium offering insights into managing interactions and maintaining balance.
  3. Policy considerations such as property rights, violence prevention, and AI self-regulation can play key roles in shaping a future where superintelligences and humans can coexist peacefully.

Is Uber disruptive?

Joshua Gans' Newsletter • 0 implied HN points • 17 Nov 15
💼 Business Regulation
  1. Uber doesn't fit the traditional definition of a disruptive innovation, as it entered the mainstream market first before appealing to overlooked segments.
  2. Regulated industries like taxis often don't innovate, giving room for disruptors like Uber to succeed.
  3. Uber's success challenges the idea that only disruptive innovations can compete against established firms; they thrived with sustaining innovations like their user-friendly app and reliable service.

Some gen AI apps are cloning you without your consent; EU passes the AI Act; AI helps setup new IT systems; Western countries are pessimistic about AI; why AI agents are the future

Computerspeak by Alexandru Voica • 0 implied HN points • 15 Mar 24
🕹 Technology Regulation
  1. AI apps are creating deepfake ads by cloning people without consent, raising ethical concerns and violating privacy.
  2. Consent is crucial in the digital world to respect individuals' rights and prevent manipulation and harm.
  3. Regulations are needed to enforce consent in AI-generated content, protect users, and raise awareness about the risks of deepfake technology.

A Confrontative Example

Journal of Gurdjieff Studies • 0 implied HN points • 17 Jan 23
⛪ Faith & Spirituality Regulation
  1. The post discusses correspondence, opposition, and regulation as important elements on the path to understanding.
  2. The content is tailored for paid subscribers, indicating a premium level of access to the information.
  3. The post is part of a series that includes articles on language, confrontation, and the concept of 'The Arena'.

1/20/22 Tech Buzz China Insider Digest

Tech Buzz China Insider • 0 implied HN points • 21 Jan 22
🕹 Technology Regulation
  1. US lawmakers target Chinese biotech to combat influence from the Chinese Communist Party in American medical research. There is a possibility of bipartisan support for these measures in the future.
  2. Continued uncertainty surrounds VIEs in China, with differing opinions on their stability and government intervention. Recent regulations raise questions about the future of VIEs.
  3. China's tech investment landscape in 2021 saw significant activity, with China having 295 unicorns. The sectors with the most unicorns include enterprise software, healthcare, and automotive, showing heavy concentration.

8/5 TBC Insider Digest

Tech Buzz China Insider • 0 implied HN points • 06 Aug 21
🕹 Technology Regulation
  1. Many are uncertain about potential gaming restrictions in China, but it's unlikely to face the same fate as after school tutoring.
  2. A government study on Chinese minor internet use revealed concerns like nearsightedness and parental responsibility.
  3. An assessment of regulatory risks across product categories was shared, sparking discussions on industry impacts.

AI Fueling the Next Mining Stocks Rally?

Miner Weekly • 0 implied HN points • 23 May 24
💰 Finance Regulation
  1. Bitcoin mining stocks have shown varied performance after the halving, with some outperforming bitcoin's returns.
  2. The Price-to-Hash (P/H) ratio is a key metric for evaluating public bitcoin miner companies, indicating the estimated dollar value per TH/s investors pay.
  3. Companies like BTBT, IREN, and HUT8 have expanded into AI/HPC, lowering their enterprise values and potentially fueling a rally in their stocks.

Finally, Bitcoin Miners Can Catch a Short Breath

Miner Weekly • 0 implied HN points • 09 May 24
🔮 Crypto Regulation
  1. Bitcoin's mining difficulty dropped by 6% after nearly 20 days post-fourth halving, giving miners relief.
  2. Some inefficient miners unplugged due to low hashprice, causing a decline in hashrate, but public mining companies remained steady.
  3. Despite the difficulty drop, bitcoin's hashprice is expected to recover, benefitting those who stay connected to the network.

Your Halving Cheatsheet: 2020 vs 2024

Miner Weekly • 0 implied HN points • 18 Apr 24
💰 Finance Regulation
  1. Bitcoin's mining difficulty has increased significantly over the past four years, making mining 5.36 times harder with an average hashrate increase from 115 EH/s to 640 EH/s.
  2. The daily block subsidies in Bitcoin will halve from 900 BTC to 450 BTC after the upcoming halving, potentially leading to a rise in transaction fees as a percentage of block rewards.
  3. The reshuffle of Bitcoin mining pools over the years reflects a shift from China-based pools to North American ones, indicating a consolidation and institutionalization of mining activities.

Marathon Eyes $1.5B Offering after Raising $750M

Miner Weekly • 0 implied HN points • 29 Feb 24
💼 Business Regulation
  1. Publicly traded mining companies are raising substantial funds through stock offerings, with three top miners collecting $1.6 billion since October.
  2. Marathon has raised $750 million through its ATM program and plans for an additional $1.5 billion offering, focusing on infrastructure investments for 2024 and 2025.
  3. Major mining companies like Riot and CleanSpark are also making significant purchases of new miners and infrastructure upgrades to enhance their operations.

Public Miners Stock Up BTC Reserves

Miner Weekly • 0 implied HN points • 08 Feb 24
💰 Finance Regulation
  1. Public mining companies are increasing their Bitcoin reserves, reaching a total of 40,000 BTC for the first time since May 2022.
  2. Some public mining companies have been selling a portion of their monthly Bitcoin production, but others, like Riot, plan to retain more in the near term.
  3. The level of Bitcoin liquidation varies among mining companies, with some selling less than others and some even selling more than they mine in a month.