The hottest Regulation Substack posts right now

And their main takeaways
Category
Top Technology Topics

The Macro Story of SVB Isn't Just About the Fed

Without Warning • 196 implied HN points • 05 Jul 23
💼 Business Banking Regulation Economics Risk management Innovation
  1. SVB's business model relies heavily on uninsured deposits to support the innovation sector.
  2. The narrative around SVB's challenges involves blaming the Fed for its interest rate policies and the impact on bank assets and liabilities.
  3. The uniqueness of SVB's model in banking the Silicon Valley innovation economy raises questions about regulatory changes and potential consequences for American innovation.

What To Do If Your Data Was Leaked by Celsius + Other Privacy Considerations

DeFi Education • 639 implied HN points • 12 Oct 22
🔮 Crypto Privacy Security Regulation Blockchain DeFi
  1. If your data leaks online, it’s important to switch to a new and common device just for crypto activities. This helps keep your identity and transactions safer.
  2. When you connect your wallet to a dApp, a lot of your device information can get shared without you knowing. It’s important to be aware of this so you can protect your privacy better.
  3. If your crypto data was exposed, consider starting fresh with a new wallet and using cash to buy crypto. Keep your identity separate from your crypto activities to avoid future risks.

A brief history of capitalism (& socialism & communism)

The Novelleist • 684 implied HN points • 05 Jun 23
🌍 World Politics Capitalism Socialism Communism Regulation
  1. Industrialization led to the growth of big corporations, creating inequality which sparked movements for socialism and communism.
  2. Workers' rights improved through regulations in capitalist countries after World War II, leading to economic prosperity.
  3. Capitalism emerged as the most successful economic model globally, but there are ongoing challenges like wealth inequality and environmental impact that need to be addressed.
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Blame the Crew

Gordian Knot News • 190 implied HN points • 01 Mar 24
💼 Business Management Construction Regulation
  1. In industries like shipping and nuclear power, there is a tendency to blame the crew or contractors for mistakes rather than holding the owners or regulatory systems accountable.
  2. There is a disparity in performance between building coal plants and nuclear plants, with the nuclear contractor performance often not meeting expectations.
  3. The main difference in performance is attributed to the regulatory system rather than any lack of special technical skills in building nuclear plants.

5 Insights From Warren Buffett’s 2023 Annual Letter

Behavioral Value Investor • 193 implied HN points • 26 Feb 24
💰 Finance Investing Market behavior Business Analysis Economics Regulation
  1. Good long-term businesses are harder to find than you think. Predicting long-term winners isn't easy, and financial forecasts often miss the mark. Practice humility in investing and be ready to adjust your thesis.
  2. Avoid dealing with dishonest individuals. It's difficult to spot insincerity, and once dishonesty is detected, it's best to move on immediately.
  3. Markets are still prone to irrational behavior. Human nature hasn't changed, and rapid information dissemination can lead to herd mentality and market inefficiencies. Manic behavior in markets is here to stay.

The Three Musketeers

Diane Francis • 499 implied HN points • 24 Nov 22
🇺🇸 U.S. Politics Social media Regulation Legal issues Disinformation Free speech
  1. Tech companies have legal protections that allow them to avoid consequences for harmful content. This has created a chaotic online environment full of hate and misinformation.
  2. The EU has stricter rules for online content, which hold companies accountable. In the US, there's a push to change laws that protect social media from being sued for the things users post.
  3. Upcoming Supreme Court cases could change these protections, leading to more accountability for tech giants. Many believe this is necessary to combat harmful online behavior.

How Banks (Zeros) Make Money

DeFi Education • 899 implied HN points • 12 Apr 22
💰 Finance Banking Investments Cryptocurrency Regulation Asset management Revenue streams
  1. Banks make money by accepting deposits and giving loans. They charge fees for services like managing assets and processing transactions.
  2. Decentralized finance (DeFi) is changing how finance works, allowing people to cut out banks and manage their money directly. This means banks might lose some of their income.
  3. Crypto and other digital methods are making it easier for people to manage their money and investments without needing traditional banks. This could change the banking industry a lot in the future.

Google, Amazon, and Booking: anti-monopoly gathers pace

The Counterbalance • 176 implied HN points • 10 Oct 23
💼 Business Antitrust Monopoly Market Power Regulation
  1. Regulators are taking more action against tech giants like Google, Amazon, and Booking to prevent monopolistic behavior.
  2. The European Commission blocked Booking's acquisition of eTraveli, highlighting concerns about increasing dominance and its impact on competition.
  3. Antitrust cases are evolving to focus on broader systemic power issues within ecosystems, challenging traditional narrow views of harm in mergers.

AI literacy and Schrödinger's ethics

imperfect offerings • 179 implied HN points • 14 Jul 23
🚌 Education AI literacy Ethics Regulation
  1. Universities are emphasizing AI literacy and ethical use of AI tools for students and staff in education.
  2. There is a call for the development of independent codes of ethics and practices in universities to address the unique risks and challenges posed by AI in education.
  3. The responsibility falls on teaching staff to navigate the complex decisions around AI use, considering ethical implications and potential harms.

The DeFi Roundup (October 8, 2022)

DeFi Education • 599 implied HN points • 08 Oct 22
🔮 Crypto Blockchain Finance Investing Regulation Technology
  1. Celsius has revealed a huge spreadsheet with customer names and transactions as part of their bankruptcy. This move raises privacy concerns for many customers.
  2. The DeFi space is constantly evolving, and keeping up with weekly roundups helps investors stay informed. Quick updates can guide better decision-making.
  3. Being a paid subscriber can give you access to in-depth insights and analysis that is not available to free users. It can be worth it for those serious about investing.

Four Simple Questions

Gordian Knot News • 183 implied HN points • 24 Feb 24
🔬 Science Nuclear power Regulation
  1. Masking up with N95 masks can significantly reduce inhalation dose during a nuclear event, but pro-nuke advocates rarely mention this lifesaving tip.
  2. Spent nuclear fuel becomes significantly less dangerous over time due to radioactive decay, with minimal risk after 600 years. This valuable material can also be recycled and is not as hazardous as commonly believed.
  3. The Linear No Threshold (LNT) radiation model is flawed in its assumption of strictly additive harm. Challenging this model and proposing an alternative that considers our body's ability to repair radiation damage is key to advancing nuclear power safety.

The Greek Airbnb Discussion

The Greek Analyst • 139 implied HN points • 24 Nov 23
🌍 World Politics Regulation
  1. Engaging the public in discussions about regulations (like Airbnb) can lead to more widely accepted decisions.
  2. Using tools like Polis for public deliberation can help identify shared values and preferences among large groups of people.
  3. Citizen participation and transparency in decision-making processes can bridge differences and focus on common goals.

Digital Asset Industry Standards

DeFi Education • 539 implied HN points • 20 Oct 22
🔮 Crypto Regulation Smart Contracts Decentralization
  1. Regulating DeFi should avoid censorship of the blockchain. The foundation of blockchain technology is about freedom and allowing anyone to use it without restrictions.
  2. Decentralized finance (DeFi) protocols need to ensure transparency and honesty in marketing just like traditional finance, but regulation shouldn't stifle innovation.
  3. Bug bounties for hackers who find vulnerabilities are important. Both the community and protocol should share the responsibility for keeping systems secure and incentivize good behavior.

What Kennedy Must Do to Defeat Regulatory Capture

Who is Robert Malone • 15 implied HN points • 25 Nov 24
🇺🇸 U.S. Politics Regulation Health Policy Political Reform Pharmaceuticals Public Health
  1. Regulatory capture means that big companies can influence government agencies to protect their interests instead of the public's. This often leads to policies that aren't in the best interest of consumers.
  2. The FDA and other agencies can make mistakes that harm people, and they often lack accountability. Without competition or choice, these agencies might not prioritize public safety.
  3. To truly improve healthcare regulations, we might need to rethink the role of government agencies altogether. Some suggest that eliminating these agencies could make the market safer and more effective for everyone.

DeFi Education Core Principles

DeFi Education • 639 implied HN points • 04 Aug 22
🔮 Crypto DeFi Blockchain Tokenomics Security Regulation
  1. DeFi projects should focus on long-term growth and sustainability, moving away from relying solely on token incentives. It's important for apps to build a future without depending on constant rewards.
  2. User-friendliness is key. DeFi projects should create easy-to-use interfaces that average people can navigate, not just designed for tech experts.
  3. Strong technical quality matters. Experienced developers are essential for creating secure and reliable software, and protocols should regularly invest in improving their systems.

Software Liability for Armchair Quaterbacks

Cybersect • 78 implied HN points • 06 Feb 24
🕹 Technology Cybersecurity Software Engineering Regulation
  1. Armchair experts in both football and software development have strong opinions without real expertise.
  2. Software bugs are complex and not solely due to moral weakness, but rather the inherent difficulty of preventing them.
  3. Proposed software regulations may not improve cybersecurity but instead burden smaller companies and benefit larger corporations.

203. Software As Part of Everything Is Regulated…As Part of Everything

Hardcore Software • 337 implied HN points • 19 Apr 23
🕹 Technology Regulation Software AI Innovation Computing
  1. Software has become a fundamental part of our lives, evolving from its origins in math to touching every aspect of human endeavors.
  2. Regulations have always been key in governing software, ensuring safety, reliability, and functionality in various industries.
  3. The introduction of AI should follow the established regulatory frameworks for software, without seeking a separate or special exemption.

How Privacy Policies Really Work

DeFi Education • 459 implied HN points • 25 Nov 22
🔮 Crypto Privacy Regulation Data security Blockchain Decentralization
  1. Companies must follow privacy laws like GDPR, which set strict rules on how to collect and use personal data. Breaking these rules can lead to big fines and even legal trouble for executives.
  2. Privacy policies are crucial because they inform users about what data is collected and how it is used. Companies are updating their privacy policies to reflect what they actually do with data.
  3. Using services like Metamask means sharing your data, like your IP address and Ethereum wallet address. It's essential to be cautious and consider using privacy tools to protect your information.

Subprime, bank runs, and the Global Financial Crisis

Erdmann Housing Tracker • 210 implied HN points • 26 Dec 23
💰 Finance Economics Financial Markets Policy Housing Crisis Regulation
  1. The private securitization market dominated housing finance from 2004 to 2007 before collapsing.
  2. The Great Recession didn't follow the expected pattern in Atlanta, with unique housing price changes.
  3. The Global Financial Crisis was self-imposed due to a retraction in money and credit, not the predicted factors.

The koan of an open-source LLM

Democratizing Automation • 142 implied HN points • 06 Mar 24
🕹 Technology Artificial Intelligence Copyright Regulation Models
  1. The definition and principles of open-source software, such as the lack of usage-based restrictions, have evolved over time to adapt to modern technologies like AI.
  2. There is a need for clarity in identifying different types of open language models, such as distinguishing between models with open training data and those with limited information available.
  3. Open ML faces challenges related to transparency, safety concerns, and complexities around licensing and copyright, but narratives about the benefits of openness are crucial for political momentum and support.

The Demise of Silicon Valley Bank

Net Interest • 496 implied HN points • 10 Mar 23
💰 Finance Banking Regulation Deposits Securities Bailout
  1. The demise of Silicon Valley Bank was caused by a collapse due to interest rate risk management and significant deposit outflows.
  2. Silicon Valley Bank's strategy of investing in securities was affected when rising interest rates led to significant unrealized losses, making the bank technically insolvent.
  3. The bank faced challenges in managing deposit outflows and was unable to satisfy demands due to a concentrated customer base and limited options like tapping into its securities portfolio.

6 March is DMA-Day

Platform Papers • 59 implied HN points • 05 Mar 24
🕹 Technology Regulation Big Tech Compliance Market Impact Digital Platforms
  1. The Digital Markets Act (DMA) will enforce new rules on major digital platforms starting March 6, 2024, aiming to make markets fairer and more contestable for platforms like Apple, Google, Meta, TikTok, Amazon, and others.
  2. The DMA introduces obligations for gatekeepers to open up ecosystems, ensure fairness for business users, and promote transparency by submitting compliance plans publicly.
  3. The enforcement of DMA rules faces challenges from wealthy companies like Apple resisting compliance and the European Commission needing to balance limited resources with rigorous enforcement, highlighting the need for immediate action and collaboration with national agencies.

The DeFi Roundup (December 10, 2022)

DeFi Education • 419 implied HN points • 11 Dec 22
🔮 Crypto DeFi Blockchain Investing Finance Regulation
  1. Legacy media companies want the FTX bankruptcy court to reveal the names of its top clients. They believe this information should be public.
  2. This week, people are discussing the impact of the FTX situation on the DeFi space. There's a lot of concern among investors and market watchers.
  3. It's important to stay updated on events in the DeFi world, as new developments can affect your investment strategies.