The hottest Regulations Substack posts right now

And their main takeaways
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Top Technology Topics

A brief guide to building your first lending product

Rohit’s Newsletter • 98 implied HN points • 14 Sep 23
💼 Business Regulations
  1. Building financial products like credit cards or loans requires careful consideration of compliance regulations, risk models, operations, and funding models.
  2. Fintech infrastructure products can assist in building credit products, but integration can be complex due to a lack of standard setup.
  3. To effectively build a lending product, break it down into steps like acquisition, underwriting, origination, funding, and servicing.

China May Stay Permanently Behind the US in Generative AI

Interconnected • 447 implied HN points • 12 Nov 23
🕹 Technology Regulations
  1. China may be permanently behind the US in Generative AI due to factors like blocking quality datasets.
  2. Unique attributes of Chinese Internet data, like linguistic challenges, present additional hurdles for AI developers in China.
  3. New regulatory burdens in China around AI development may hinder progress and keep the country behind the US in generative AI.

Tianfu Cup 2023: Still a Thing

Natto Thoughts • 79 implied HN points • 16 Nov 23
🕹 Technology Regulations
  1. China's Tianfu Cup hacking competition has evolved from focusing on foreign products to including more domestic products as targets, sparking concerns among Western companies and security experts.
  2. The competition rules of Tianfu Cup 2023 included new sections for exploit demonstration review process and responsible vulnerability disclosure, highlighting the importance of following responsible disclosure procedures in the competition.
  3. In Tianfu Cup 2023, two teams successfully hacked VMware products, winning the top awards, although the competition results did not provide much detail on other attempts on domestic targets.

173 | Mystery Poisonings Stalk Citizens | 14 Rules for Bad Quality Managers|

The Rotten Apple • 115 implied HN points • 27 Jan 25
🍲 Food & Drink Regulations
  1. There have been many mysterious food poisonings, especially in South Africa, affecting children. It's alarming and the actual causes are not clear yet.
  2. Illegal pesticides may be contaminating food sold in local shops, which is a big concern for public health. Experts and authorities are looking into how this is happening.
  3. Food safety regulations are being updated to better control who can sell food and how it's handled. This might help prevent future poisonings and boost food safety.

The N-stamp

Gordian Knot News • 109 implied HN points • 24 Jan 25
💼 Business Regulations
  1. The N-stamp certifies a vendor's quality assurance process but doesn't guarantee the actual quality of their products. It's more about paperwork than real product inspection.
  2. In shipbuilding, multiple independent inspection teams check quality because they want to avoid costly mistakes. This extra layer helps ensure that ships meet the specifications and are delivered on time.
  3. The nuclear industry's reliance on the N-stamp allows vendors to skip necessary inspections, leading to poor quality products. This system could result in very high costs due to failures in quality control.
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The Liquidity Problem

Points And Figures • 346 implied HN points • 09 Jan 24
💰 Finance Regulations
  1. Carta attempted to tackle the liquidity problem of holding shares in private companies but faced challenges
  2. Creating a liquid market for private company stocks is difficult due to lack of buyers and sellers with aligned incentives
  3. Efforts to solve the liquidity problem might be more successful with digital programmable securities like security tokens

Town Square #1: Chinese swimmers 'seen' injecting themselves before Rio 2016

Honest Sport • 19 implied HN points • 01 May 24
🎾 Sports Regulations
  1. There are serious questions about the integrity of Chinese swimmers who tested positive for banned substances, especially since there are reports of them injecting themselves before past Olympics.
  2. The World Anti-Doping Agency (WADA) insists these swimmers are innocent victims of contamination, but many people find this hard to believe given previous doping allegations against the Chinese swim team.
  3. Doping scandals in sports, like those involving the Chinese swimming team, show the ongoing struggle to maintain fair play and ethics in competition.

A military and civilian aviation veteran explains Wednesday night's crash

Unreported Truths • 100 implied HN points • 01 Feb 25
📰 News Regulations
  1. The crash was influenced by multiple failures in communication, coordination, and pilot training. Better planning and checks could have prevented it.
  2. Weather conditions, like strong winds, played a significant role in the incident. These factors made flying more complicated for both the helicopter and the airplane.
  3. The helicopter was flying higher than allowed, which was a big mistake. Following the set altitude rules could have avoided the crash completely.

Dear governments - stop listening to whining utilities

Jérôme à Paris • 437 implied HN points • 28 Jul 23
💼 Business Regulations
  1. Utilities lobbying for special favors can be seen as tactics to pressure governments for more favorable terms.
  2. Increased costs in the wind industry are real and partly a result of business decisions not to hedge against risks.
  3. Government regulations like the CfD are effective tools for encouraging low-cost capital investment in projects and should not be changed based on short-term pressures.

The EU Cyber Resilience Act: Manufacturer Perspective

burkhardstubert • 59 implied HN points • 06 Nov 23
🕹 Technology Regulations
  1. The EU Cyber Resilience Act aims to improve the security of products with digital elements against cyber attacks. This is because many such products are currently vulnerable and offer little protection.
  2. Manufacturers are responsible for ensuring their products remain secure throughout their lifecycle. They must fix vulnerabilities quickly and provide clear information about any risks.
  3. There are strict penalties for manufacturers who do not comply with the Act, with fines that can be very high. Companies need to start improving their security practices to avoid these penalties.

The Contest for Japan’s Economic Future

Japan Economy Watch • 39 implied HN points • 11 Jan 24
💼 Business Regulations
  1. Japan's stagnant economy could see a revival through a new generation of entrepreneurs and major social changes opening new opportunities.
  2. Challenges to progress in Japan include difficulty in bank financing, resistance to change by powerful entities, and the inflexibility of the traditional system with aspects like lifetime employment.
  3. Notable experts have endorsed the book 'The Contest for Japan's Economic Future', praising its analysis and recommendations for tapping into entrepreneurial potential in Japan.

The Death of the Interbank Market

Concoda • 356 implied HN points • 07 Aug 23
💰 Finance Regulations
  1. The interbank market has changed significantly due to regulations like The Dodd-Frank Act and The Basel Framework.
  2. Banks are now less willing to lend to each other, with the shadow banking layer taking on their previous roles.
  3. The Federal Funds market, once vital for dollar funding, is in decline as a result of these shifts and regulations.

Paytm's woes deepen

The PhilaVerse • 247 implied HN points • 02 Feb 24
💼 Business Regulations
  1. Paytm's stock market value dropped by 77% since its IPO in 2021.
  2. Reserve Bank of India ordered Paytm to stop some services due to compliance issues.
  3. Paytm has faced several controversies over the years, including data sharing allegations and policy violations.

Should Car Safety Features Have A Paywall?

Fight to Repair • 59 implied HN points • 14 Jul 23
🕹 Technology Regulations
  1. Consumer Reports campaign seeks to make safety features like Automatic Crash Notifications (ACN) standard rather than paid subscriptions by car companies.
  2. The trend of companies turning safety features like Apple's Emergency SOS into subscription services raises concerns about access to potentially life-saving features.
  3. Regulators like the FTC are taking steps against companies like Tesla and John Deere for using software controls to enforce subscriptions and deny access to users, highlighting the need for government intervention to protect consumer rights.

Toward Prosocial Tech Design Governance

techandsocialcohesion • 39 implied HN points • 21 Dec 23
🕹 Technology Regulations
  1. Technology governance often focuses on harmful digital content, but there is a need to shift focus towards the design of technology to address harmful content creation incentives.
  2. It is crucial to move beyond content governance and prioritize tech design governance to encourage prosocial behavior and diminish harmful actions on tech platforms.
  3. Prosocial tech design governance entails incentivizing and regulating tech products to amplify positive behaviors, emphasizing the importance of tech designs in shaping human behavior.

Dear Athletes, Don't Sports Bet, Because Sports Betting is Fake

House of Strauss • 23 implied HN points • 31 Jul 25
🎾 Sports Regulations
  1. Athletes should avoid sports betting because it's too risky and easy to get caught. The system is designed to catch people who try to cheat.
  2. Recent scandals show even top players can get involved in betting issues, which can hurt their careers. Betting can lead to serious consequences, like being put on paid leave.
  3. Gambling on games can make it seem like athletes are trying to manipulate outcomes, and it’s not worth the potential fallout. Staying clear of betting keeps their careers safer.

Exclusive details: inside the FTX data room

Jon’s Newsletter • 139 implied HN points • 13 Nov 22
🔮 Crypto Regulations
  1. FTX faced a major financial crisis just before filing for bankruptcy, with a huge gap between its liabilities and liquid assets. This raised red flags for potential investors.
  2. Sam Bankman-Fried was in a rush to raise $6-10 billion and had to quickly set up a data room to attract investors, but the information provided only raised more questions.
  3. As communication with investors broke down, Sam became increasingly difficult to reach, indicating a deteriorating situation leading up to the bankruptcy filing.

Vertical Integration of Platforms and Product Prominence in Online Hotel Booking

Platform Papers • 79 implied HN points • 12 Jan 23
💼 Business Regulations
  1. Digital platforms can influence consumer choices by steering them towards certain products and suppliers. This can raise concerns about biased recommendations and the impact on consumer interests.
  2. Regulations like the European Digital Markets Act aim to restrict the power of large online platforms, particularly concerning practices like self-preferencing.
  3. Studies suggest that vertically integrated meta-search platforms may prioritize affiliated sales channels, potentially affecting search quality and competition. Empirical analyses highlight the need for better data to understand these dynamics.

Former China FDA Chief on Biopharmaceutical Industry's Achievements and Challenges

Pekingnology • 192 implied HN points • 12 Jan 24
🏥 Health Politics Regulations
  1. China's biopharmaceutical industry has made significant advancements but is now facing challenges, including the loss of market value.
  2. The industry has seen growth in innovative drugs, improved quality of generic drugs, and a rise in biopharmaceutical companies.
  3. Challenges in the industry include difficulty in getting new drugs on medical insurance lists, accessing hospital procurement lists, and a reduction in venture capital.

Can we blame Sam Bankman-Fried's parents for Sam Bankman-Fried?

The Ruffian • 233 implied HN points • 30 Sep 23
💼 Business Regulations
  1. Sam Bankman-Fried's parents are involved in a lawsuit alleging illegal activities with their son, suggesting a questionable ethical example.
  2. The topic of blame for crimes and misdemeanors is controversial and involves considerations of environmental and situational factors.
  3. Ethical debates discuss the concept of blame and whether individuals have true free will to be held accountable for their actions.

Varo Struggles On As Founder Colin Walsh Steps Down As CEO

Fintech Business Weekly • 52 implied HN points • 16 Feb 25
💰 Finance Regulations
  1. Varo Bank is facing challenges as its founder and CEO Colin Walsh steps down. New CEO Gavin Michael has a tough job ahead with the company still not profitable.
  2. Despite some improvements in revenue and customer growth, Varo's net losses remain significant, with $65 million lost last year. It needs to boost its deposits and customer engagement.
  3. The financial regulatory landscape is changing with new appointments, including Jonathan McKernan resigning from the FDIC and being nominated to lead the CFPB. This could impact how financial services are managed going forward.

The Plot to Get RFK, Jr.

Who is Robert Malone • 25 implied HN points • 01 Jul 25
🇺🇸 U.S. Politics Regulations
  1. There's a big concern about a campaign to remove Robert F. Kennedy Jr. from his position as Secretary of Health. This comes from a leaked memo showing a trade group spending a lot of money to achieve that.
  2. The group behind this plot, BIO, plans to influence public opinion by using emotional messaging and recruitment of various influencers instead of debating Kennedy's actual policies.
  3. Their fear is not about health issues, but that Kennedy's reforms could expose problems in their profit-driven practices and change how the vaccine industry operates.

REPAIR Act Advances In U.S. House

Fight to Repair • 39 implied HN points • 03 Nov 23
🇺🇸 U.S. Politics Regulations
  1. The REPAIR Act advanced in the U.S. House, a critical step towards a federal law for car repair, though it still has a long way to go.
  2. The bill aims to ensure access to vehicle diagnostic data for consumers and independent repair shops, based on a Massachusetts law updated in 2020.
  3. The bi-partisan support for the REPAIR Act highlights the importance of preserving consumer choice and access to fair vehicle repair options.

What if Congress Doesn't Specifically Reject NIH Indirect Cost Changes?

The Good Science Project • 48 implied HN points • 24 Feb 25
🇺🇸 U.S. Politics Regulations
  1. NIH can't just set a flat rate for indirect costs on all grants. Each university's costs need to be negotiated individually.
  2. If Congress removes rules preventing NIH from changing how they calculate costs, it doesn't mean they can bypass accounting regulations.
  3. Any exceptions to indirect cost rates must be well-documented and communicated in advance for specific grants, not applied broadly.

Sec. Kennedy's Statement on the ACIP and Vaccine Trials

Who is Robert Malone • 26 implied HN points • 11 Jun 25
🏥 Health Politics Regulations
  1. Children in some states need to get a lot of vaccines to attend school, but many of these vaccines haven't been tested properly for safety. This can be seen as a serious concern.
  2. The Advisory Committee on Immunization Practices (ACIP) has members who will now be more aligned with evidence-based decisions and will focus on the safety of vaccines for children.
  3. There are claims that many vaccines were studied in controlled trials, but many of those studies may not have used true placebos that would help show if the vaccines are safe or effective. This raises questions about the safety of the vaccines on the childhood schedule.

JC content update - autumn 2023

The Jolly Contrarian • 39 implied HN points • 24 Sep 23
💼 Business Regulations
  1. The Jolly Contrarian website operates as a 'pull' resource where users obtain content they want, instead of being bombarded with content they may not need.
  2. Emissions allowance trading is a unique and transgressive product challenging traditional financial boundaries, susceptible to government decrees, and with interesting documentation quirks.
  3. Understanding repackaging and secured MTNs involves complexities like limited recourse and security roles, needing a thorough study of documentation and anatomy.

Trusted - AI/Cyber News and Notes, 2023-04-13

Trusted • 39 implied HN points • 13 Apr 23
🕹 Technology Regulations
  1. NTIA is seeking public input on AI accountability policies to establish trust in AI systems.
  2. FTC Commissioner Bedoya emphasizes that generative AI is already regulated by existing laws.
  3. Various developments in AI technology are highlighted, from finetuned versions of LLaMA to simulations controlled by LLMs.

The Economy In The West Is Backed by Hot Air

Oz’s Newsletter • 39 implied HN points • 17 Apr 23
💰 Finance Regulations
  1. The economy in the West is backed by imaginary assets like derivatives that can crash the economy if their true value is revealed.
  2. Banks create money out of thin air through loans backed by these imaginary assets, causing inflation and instability.
  3. The Anglosaxon-controlled Western economy must address its financial problems, regulate finance, and rebuild the economy on real-world connections to prepare for future challenges like AI and geopolitical shifts.

Epstein Regulation Compliance

The Cosmopolitan Globalist • 18 implied HN points • 19 Jul 25
🇺🇸 U.S. Politics Regulations
  1. There's a new rule for journalists to focus only on stories about Epstein and ignore many other news topics, which seems silly.
  2. Any newsletters sent out about other topics are on hold until it's okay to share them again.
  3. The writer is jokingly warning readers to keep quiet about any non-compliant newsletters or else there will be consequences.

The Week in Repair: June 5 - 11

Fight to Repair • 78 implied HN points • 14 Jun 22
🕹 Technology Regulations
  1. New York's Fair Repair Act is a significant step in the right to repair movement, potentially paving the way for other states to follow and reducing electronic waste.
  2. Kyle Wiens of iFixit emphasizes the importance of right to repair laws in extending the lifespan of gadgets and promoting local repair economies.
  3. The FTC is prioritizing rooting out illegal repair restrictions, especially in the face of rising car repair costs for consumers.

Stage 2: Nuclear Power's Economics Suck

Gordian Knot News • 219 implied HN points • 19 Mar 23
💼 Business Regulations
  1. Nuclear power in the West is incredibly expensive and time-consuming to build, hindering its potential to combat global issues like climate change.
  2. Historically, nuclear power has been cost-competitive with coal, but rising costs due to regulations and construction delays have made it less viable.
  3. The core issue with nuclear power's economics lies in the perception of any radioactive release as intolerable, leading to excessive safety measures that drive up costs.