The hottest Regulation Substack posts right now

And their main takeaways
Category
Top Technology Topics

"Great features, not products," leveraging found productivity, and the era where we can no longer believe our eyes.

Implications, by Scott Belsky • 648 implied HN points • 06 Mar 23
🕹 Technology AI Startups Productivity Regulation Creativity
  1. Focus on creating great features, not just products, in the startup ecosystem.
  2. Consider how excess productivity from AI can be used in entertainment, philosophy, and creative projects.
  3. The rise of AI will shift jobs to industries less impacted by AI, emphasizing qualitative skills and the importance of imagination and creativity.

Long Take: FDIC consent order vs. $3B banking-as-a-service champion Cross River Bank

The Fintech Blueprint • 609 implied HN points • 03 May 23
💰 Finance Banking Regulation Crypto Stablecoins Financial Crisis
  1. The FDIC is closely monitoring banking practices to ensure systemic stability during a crisis.
  2. Cross River Bank, a $3B banking-as-a-service champion, is under scrutiny and must comply with a consent order.
  3. Regulators are concerned about fintech companies entering the banking sector without proper oversight.

Generative AI: What Happened, Where It's Going 2023-2024

Rod’s Blog • 416 implied HN points • 19 Dec 23
🕹 Technology AI Predictions Applications Ethics Regulation
  1. Generative AI is rapidly advancing and has a wide range of applications from enhancing creativity to solving real-world problems.
  2. In 2023, Generative AI saw explosive growth, with a significant number of organizations implementing it in various business functions.
  3. Expected trends in 2024 for Generative AI include more advanced language models, more creative applications, and increased focus on ethical and responsible considerations.

wind and rain and sun and data

Dan Davies - "Back of Mind" • 334 implied HN points • 19 Jan 24
🕹 Technology Energy Data Trading Algorithms Regulation
  1. Supply and demand for electricity become more unpredictable with an increasing proportion of wind and solar energy
  2. The profit motive drives the application of information processing power and bandwidth to solve energy planning problems
  3. Market trading and the profit motive are ways to match the variety of the energy problem with the regulatory system

Two cheers for looser self-driving regulations

Alex's Personal Blog • 65 implied HN points • 18 Nov 24
🕹 Technology Self-driving cars Regulation Automotive Business impact AI Development
  1. Looser regulations for self-driving cars could be beneficial. Robots generally drive better than humans, so easing rules might help get safer self-driving cars on the road faster.
  2. Self-driving technology is making progress and has already proven to be a safer alternative to human drivers in many cases. It's a good time to support its expansion and keep improving safety.
  3. The current political climate may shift focus toward tech regulations, but it's important to balance safety with innovation in areas like self-driving vehicles.
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AI Steals the Show at WEF 2024

Sector 6 | The Newsletter of AIM • 319 implied HN points • 22 Jan 24
🕹 Technology Artificial Intelligence Workforce Education Regulation Economic Impact
  1. AI was the main topic at the World Economic Forum in Davos, showing how important it is becoming. Everyone talked about how we need to adopt AI quickly and talk about its effects.
  2. Education and retraining workers are key issues with AI's rise. Many discussions focused on how people can learn new skills to keep up with the changing job market.
  3. In India, only 26% of the workforce is exposed to AI, much lower than in advanced economies. This means there's a lot of room for growth in using AI in local jobs and industries.

A Note on the Changing Faces of (D)ARPA

The Good Science Project • 22 implied HN points • 31 Dec 24
🕹 Technology Research Military Innovation Bureaucracy History Regulation
  1. DARPA has undergone significant changes over the years due to increased oversight and bureaucratic rules, impacting how projects are managed and funded. Initially more flexible, DARPA now operates under stricter regulations that slow down decision-making.
  2. The role of leadership has evolved where major visions for projects often come from office directors rather than project managers. This shift affects how projects are pursued and who gets to drive new ideas.
  3. Timelines for project payoffs and the focus on military needs greatly influence which projects get started and how they develop. Changes in political climates or military demands can quicken or slow down the pace of innovation at DARPA.

Tokenomics Primer Part 1

DeFi Education • 1179 implied HN points • 29 Mar 23
🔮 Crypto Tokenomics Blockchain DeFi Investment Regulation
  1. Tokens are really important in the crypto world, acting as a way to raise money and attract users. Unlike stocks, tokens can be essential to the product itself.
  2. Good tokenomics is all about connecting the token's value to the success of the underlying project. If the project doesn't do well, the token's value can drop a lot.
  3. Demand for tokens can come from real use or from things the project does to create demand, like buybacks. It's important for projects to find the right balance to keep their tokens valuable.

Why I don’t think neoliberalism is over

America in Crisis • 79 implied HN points • 10 Jun 24
🇺🇸 U.S. Politics Neoliberalism Regulation Taxation Inequality Economy
  1. Neoliberalism post-1980 may not be defined by changes in regulation, but rather by tax policy, specifically tax cuts on high income individuals.
  2. The focus on shareholder primacy in economic culture has led to high executive compensation, stock buybacks, and low enterprise premium since Reaganomics, shaping the kind of capital growth favored in the economy.
  3. The decline in worker power, rise of inequality, and other neoliberal characteristics are tied to tax policies and economic culture, indicating that neoliberalism is still ongoing despite claims of its end.

CFPB Proposes Rule To Close TILA Overdraft "Loophole"

Fintech Business Weekly • 661 implied HN points • 21 Jan 24
💰 Finance Regulation Banking Investing Fintech Economics
  1. CFPB proposed a rule to close the TILA overdraft loophole, aiming to protect consumers from billions in junk fees.
  2. The proposed rule would require large banks to treat overdrafts like credit products, disclosing APRs and considering actual costs.
  3. Exempting banks under $10 billion in assets from the rule has sparked debate, highlighting the complexity of regulating banking fees.

First half of 2023: 7 big health insurers pulled in $683 billion in revenues – largely through taxpayer-supported programs and the pharmacy supply chain

HEALTH CARE un-covered • 619 implied HN points • 06 Sep 23
🏥 Health Politics Insurance Healthcare Policy Economics Regulation
  1. In the first half of 2023, seven major health insurance companies made over $683 billion in revenue, mainly from government programs like Medicare and Medicaid. This shows a lot of reliance on taxpayer-supported programs.
  2. Despite these huge profits, Wall Street is not satisfied with the health insurers. Investors believe the companies are not raising premiums enough to keep up with demand for healthcare after pandemic delays.
  3. To please investors, these insurers may increase premiums for customers and limit coverage for medical care. This trend highlights the struggle between corporate profit motives and patient care.

What can Colorado learn from Oregon about psilocybin?: 5 Questions for Healing Advocacy Fund’s Colorado director Tasia Poinsatte

The Microdose • 275 implied HN points • 05 Feb 24
🏥 Health Politics Psychedelics Advocacy Regulation Data Collection Mental health
  1. Colorado's psilocybin program is expected to be fully operational by early 2025.
  2. Oregon's program highlighted the importance of allowing licensed professionals to participate in psilocybin services.
  3. Colorado is considering a tiered licensing model and enhanced training requirements for safe facilitation in their psilocybin program.

Arkansas Congressman’s Proposal To “Make Community Banking Great Again”

Fintech Business Weekly • 44 implied HN points • 24 Nov 24
💰 Finance Banking Regulation Payments Fintech Legislation
  1. A Congressman from Arkansas has a plan to help community banks. He wants to improve regulations to make banking easier and more fair for smaller banks.
  2. The CFPB has decided which digital payment apps will be closely monitored. Apps that process a lot of transactions, like Venmo and Cash App, will need to follow new rules to protect consumers.
  3. During a recent hearing, top banking officials talked about the health of the banking system. They mentioned the need for stronger risk management and staying updated with new financial technologies.

Governing Risky Pandemic Research

The Honest Broker Newsletter • 549 implied HN points • 22 Feb 24
🔬 Science Research Regulation Risk Assessment
  1. Experts can disagree on the risks and benefits of proposed research, impacting research sustainability and public trust.
  2. There are concerns about regulating research with pathogens due to potential risks and lack of consensus on what is considered risky.
  3. Suggestions for governing risky research include demonstrating clear research benefits, identifying alternative methods, preregistering research, indemnifying organizations, and implementing global norms.

Last Week in AI #252: DeepMind's real-world robots, NYT sues OpenAI, Baidu's Ernie bot hits 100M users, AI art generator controversy, and more! 🤖📰🚀🎨

Last Week in AI • 377 implied HN points • 08 Jan 24
🕹 Technology AI Lawsuits Chatbots Art Regulation
  1. DeepMind is developing robots for real-world tasks like multitasking in different environments.
  2. The New York Times is suing OpenAI and Microsoft for allegedly using its work to train AI without permission.
  3. Baidu's Ernie bot has over 100 million users, and is primarily used in Chinese but also supports English.

What Losing in Open Source AI Means

From the New World • 43 implied HN points • 27 Nov 24
🕹 Technology AI Open Source Innovation Regulation Competition
  1. China is advancing rapidly in open source AI, creating models that are even competing with top American ones. This shows that the US might be falling behind in this area.
  2. The difference in policy is significant, with China actively supporting its open-source community while America is being cautious and restrictive. This could lead to a lost edge in technology for the US.
  3. Open source is essential for spreading AI technology worldwide. Many countries can adapt open source models to fit their needs, which means more innovation and collaboration beyond just big tech companies.

What Your Tokens Really Mean

DeFi Education • 839 implied HN points • 10 Jun 23
🔮 Crypto Tokens Regulation Market Analysis Investing Risks
  1. The SEC is actively pursuing major crypto exchanges like Binance and Coinbase for selling what they consider unregistered securities. This shows they are serious about regulating the crypto market.
  2. Crypto tokens represent programmed code and their value is determined by market demand, unlike stocks and bonds which are backed by legal agreements. This can lead to confusion about what people are actually buying.
  3. People often misunderstand the real meaning of tokens, especially in times of market volatility. It's important to know that tokens can have different purposes and values, not all tied to money.

Coinbase v. SEC: Will the COIN Shorts Win?

DeFi Education • 959 implied HN points • 05 May 23
🔮 Crypto Regulation Market Analysis Legal issues Trading Industry Trends
  1. Coinbase is fighting back against the SEC, arguing that the digital assets they trade aren't securities. They believe the legal tests applied to these cases might not even fit.
  2. The SEC has raised concerns about Coinbase's business practices, particularly regarding staking services and crypto wallets. Coinbase argues that these services are more like IT support than investments.
  3. If Coinbase's legal arguments are successful, it could change how the government regulates crypto. This could provide much-needed clarity in the industry and potentially protect users and businesses.

The Trial of Sam Bankman-Fried

DeFi Education • 519 implied HN points • 09 Oct 23
🔮 Crypto Blockchain Investing Fraud Regulation Financial Technology
  1. Sam Bankman-Fried's trial is focusing on accusations of fraud that led to big losses for FTX customers. It's important to pay attention to how the trial unfolds, especially the testimonies from key witnesses.
  2. People often trusted centralized exchanges like FTX instead of managing their own crypto safely. Understanding cognitive biases can help investors avoid making the same mistakes in the future.
  3. Investing in crypto without learning about it can lead to serious losses. Gaining knowledge and understanding the technology is key to making smart investments and avoiding scams.

Banning TikTok

Points And Figures • 506 implied HN points • 13 Mar 24
🇺🇸 U.S. Politics Regulation Foreign Relations National Security Civil Liberties Social media
  1. Banning TikTok raises concerns about government overreach and control over private businesses.
  2. There are complex implications related to the power and influence of Chinese technology and communism in the US.
  3. Questions arise about the balance between individual freedoms and safety when it comes to regulating social media platforms like TikTok.

US government bailout of Silicon Valley and banks is $300B gift to rich oligarchs

Geopolitical Economy Report • 518 implied HN points • 19 Mar 23
🇺🇸 U.S. Politics Government Bailout Silicon Valley Federal Reserve Regulation
  1. The US government printed $300 billion in a week to bail out Silicon Valley and banks, ensuring all uninsured deposits were paid, benefitting wealthy oligarchs and venture capital firms.
  2. Silicon Valley Bank, while portrayed as supporting start-ups, actually catered mostly to venture capitalists and had risky practices, ultimately requiring a massive bailout.
  3. The Federal Reserve's $300 billion bailout exposed a double standard: the rich get bailed out while the government resists increased regulation that could prevent future crises, showing a system of privilege for the elite.

Dispatches from Denver: Day 4 at Psychedelic Science 2023

The Microdose • 511 implied HN points • 24 Jun 23
🏥 Health & Wellness Psychedelics Mental health Holistic Medicine Regulation
  1. Attendees at the Psychedelic Science conference were surprised by the diverse perspectives and energy surrounding the use of psychedelics for mental health treatment and personal growth.
  2. Discussions at the conference highlighted the importance of patents in the development and innovation of psychedelic drugs, while also emphasizing the need for fair patent practices.
  3. Indigenous voices expressed feelings of marginalization and concerns about being excluded from conversations and decision-making in the psychedelic community.

Reverse Engineering Crypto's Pain Points

DeFi Education • 659 implied HN points • 26 Jul 23
🔮 Crypto Blockchain DeFi Investment Regulation Market Trends
  1. Crypto faces a big problem with not having enough users. Many people find it really complex to use, which makes them give up before they even start.
  2. There's also the issue of not having enough attractive things to do with crypto. Many projects don't solve real problems, leading to confusion for new users about what to do with it.
  3. Finally, scalability and regulation are major hurdles. Current blockchain networks have trouble handling lots of users without high fees, and regulations are changing, creating a lot of uncertainty.

Fending off the Regulatory Barrage

DeFi Education • 559 implied HN points • 01 Sep 23
🔮 Crypto Regulation Investing Market Analysis Legal issues Decentralization
  1. Grayscale recently won a court case that could lead to the approval of a Bitcoin ETF. This is important because it could help investors get better prices for their Bitcoin investments.
  2. A court ruled that Uniswap, a decentralized exchange, is not responsible for scams involving tokens traded on its platform. This is good news for developers in the DeFi space, as it shows they can’t be held liable for the actions of others.
  3. The SEC has confirmed that some NFTs can be considered securities, as seen in a case where a company settled for not registering its NFT offering. This emphasizes that just because something is digital doesn't mean it escapes regulation.

Stuffing the Coffers

The Dollar Endgame • 279 implied HN points • 19 Jan 24
💰 Finance Banking Regulation Economy Federal Reserve Financial Crisis
  1. Regulatory changes post-2008 require banks to hold more US Treasuries. However, banks are running out of space and time.
  2. The Fed made an exemption of Treasury bonds from the Supplementary Leverage Ratio (SLR) to boost lending and stabilize markets during the COVID-19 crisis.
  3. The SLR calculates a bank's solvency by dividing Tier 1 Capital against assets. Adjustments during crises help banks manage potential losses better.

Coinbase Q2 2023 Earnings

DeFi Education • 599 implied HN points • 04 Aug 23
🔮 Crypto Exchanges Regulation Investing Market Trends Earnings Reports
  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.

On the FLI AI-Risk Open Letter

Don't Worry About the Vase • 1523 implied HN points • 30 Mar 23
🕹 Technology AI Regulation Ethics Political Response Risk Assessment
  1. The FLI AI-Risk Open Letter calls for a pause in training AI systems more powerful than GPT-4, sparking mixed reactions.
  2. The letter combines short-term concerns with existential risks, suggesting high standards that might act as a de facto ban on AI development.
  3. Despite its flaws, the letter sets the stage for cooperation and lays the groundwork for future discussions around AI safety and regulation.

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

Geopolitical Economy Report • 458 implied HN points • 07 May 23
💰 Finance Banking Regulation Derivatives Market volatility
  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.

"Troubled" Axiom Bank Retaliated Against AML Whisteblowers, Ex-Staffers Say

Fintech Business Weekly • 66 implied HN points • 20 Oct 24
💰 Finance Banking Compliance Regulation Fintech Legal
  1. Axiom Bank faced serious allegations of retaliation against former employees who raised concerns about compliance and risk management issues. The complaints suggest that the bank ignored safety regulations and retaliated against those who spoke up.
  2. TomoCredit, facing financial struggles, defaulted on its debts and is being sued for not paying vendors. The company also has legal challenges over misleading practices related to its credit-building products.
  3. Both Axiom Bank and TomoCredit reveal challenges in the fintech sector related to compliance, financial stability, and ethical practices. These cases highlight the risks involved in the rapidly changing financial technology landscape.

Congress in Rare Agreement on E-Bike Battery Bill

The Micromobility Newsletter • 235 implied HN points • 30 Jan 24
💼 Business Transportation Manufacturing Sustainability Regulation Investment
  1. A new bill for lithium-ion battery safety standards in the US has rare bipartisan support in Congress.
  2. Jersey City is implementing a system for secure charging and storage of electric bikes.
  3. Several companies worldwide are ramping up electric vehicle production and investing in sustainable practices.

Notebook: Exercising Intelligence

Book Post • 216 implied HN points • 09 Feb 24
🕹 Technology AI Development Tech Companies Regulation Ethics Market Impact
  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.