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Chat window where a user asks "Am I talking to a bot?" and the assistant answers that it is AI, beside two cards for Utah Code 13-77-103: any supplier discloses when clearly asked; licensed professionals in high-risk interactions disclose at the start.
Utah ·

Utah AI Disclosure Law: What Fintech Chatbots Must Say

When Utah's Chapter 77 makes a chatbot say it is AI, which fintech products it misses and what the safe harbor needs.

Grid of 59 squares, one per bank: 4 tightened, 54 unchanged and 1 eased C&I loan standards for small firms in the October 2026 Senior Loan Officer Opinion Survey, a net 5.1 percent.
Federal Reserve ·

Senior Loan Officer Opinion Survey: How to Read It

How the Fed's SLOOS turns bank answers into net percentages, worked through the October 2026 survey.

Bar chart of average daily take-up at the Fed's overnight reverse repo facility: $722.3 billion in 2021, $2.00 trillion in 2022, $1.75 trillion in 2023, $390.4 billion in 2024, $103.0 billion in 2025 and $2.2 billion in 2026 through November 6.
Federal Reserve ·

Overnight Reverse Repo Facility: Why the Fed's Floor Sits Empty

How the Fed's ON RRP sets a floor at 3.75%, and why take-up fell from $2.55T in 2022 to $150M on Nov 6, 2026.

Bar chart of H.4.1 Table 5 changes from October 28 to November 4, 2026: total assets up $2.5 billion, Treasury General Account down $79.4 billion, reverse repos up $8.7 billion, currency up $4.6 billion and bank reserves up $67.6 billion
Federal Reserve ·

How to Read the Fed's H.4.1 Balance Sheet Release

Which H.4.1 table answers which question, worked through Nov 5, 2026: reserves up $67.6B as the TGA fell.

Diagram of one risk register row, a single cloud region for ledger, KYC and payouts, scored 0.40 before and 0.15 after failover on a low, moderate and high likelihood-times-impact scale
NYDFS ·

NYDFS Risk Assessment Guidance: What Part 500 Requires and What DFS Expects

What New York's September 2026 risk assessment letter adds to Part 500, who must comply and how a risk is scored.

Treasury bill CUSIP 912797UM7 split into its issuer root 912797, issue code UM and check digit 7, above a timeline of the four auctions at which the bill was sold before it matured on November 5, 2026
Treasury ·

Treasury CUSIP Meaning: What 912797 and 91282C Tell You

What the 912797, 91282C and 912810 roots mean, and why one T-bill CUSIP is sold at several auctions.

Treasury FRN rate equals a weekly-resetting 13-week Treasury bill index plus a fixed auction spread; interest accrues daily and is paid quarterly
Treasury ·

Treasury Floating Rate Notes: Two Clocks for Interest

How a Treasury FRN combines a weekly-resetting index, a fixed spread and quarterly interest payments.

Three questions for reading the SEC's May 2025 staking statement: issuer, facts and implications
Protocol staking ·

SEC Protocol Staking Statement: Scope and Limits

What the SEC staff's May 2025 staking statement covers, why commissioners disagreed and how to read its limits.

A stored payment token branches into customer checkout and merchant-initiated payments after consent.
Payment APIs ·

Merchant-Initiated Transactions and Stored Cards

How customer consent, stored credentials and later payment attempts fit together in Stripe and Adyen integrations.

Four questions for insurance AI governance: ownership, consumer harm, testing and examination records
AI ·

NAIC AI Model Bulletin: What Insurers Should Document

What the NAIC AI model bulletin says about governance, vendors and records, and why state rules matter.

A Treasury bond with ten years remaining separates into one principal STRIP and twenty interest STRIPS
Treasuries ·

Treasury STRIPS explained: separating bond payments

How Treasury STRIPS turn principal and interest into separate securities, with one payment per component.

A 61-day wash sale window around a sale at a loss, highlighted for stock or securities and left open for crypto held as property.
Wash sale rule ·

Crypto Wash Sale Rule: Does Section 1091 Apply?

What section 1091 covers, how the IRS classifies digital assets and where Form 1099-DA draws the line.

Three panels comparing Treasury bills, paid at maturity, with notes and bonds, which pay interest every six months.
Treasury ·

Treasury Bills vs Notes vs Bonds: Terms and Payments

Compare Treasury terms, interest payments and what happens at maturity.

Three labeled panels comparing PPI producer prices, CPI household purchases and PCE consumption prices.
inflation ·

PPI vs CPI vs PCE: Three Views of US Inflation

Producer prices, household purchases and broader consumption measure different parts of US inflation.

Diagram of personal data feeding a pricing algorithm, with a product page showing the required notice that the price was set by an algorithm using personal data
Algorithmic pricing ·

New York's Algorithmic Pricing Disclosure Law, Explained

What GBL § 349-a requires when an algorithm uses personal data to set a price, who is exempt and how it is enforced.

Refund API state diagram from request through pending processing to completed or failed outcomes
Payment APIs ·

Payment API Refunds: Full, Partial and Pending States

How Stripe, Adyen, PayPal and Square handle full, partial and asynchronous refunds.

Three-step diagram showing staking rewards received, dominion and control, then a later disposal as separate tax events
Staking rewards ·

Crypto Staking Rewards Taxes: How the IRS Rule Works

When staking rewards become income, how fair market value sets the amount and why a later disposal is separate.

Nested bars showing TGCR, BGCR and SOFR repo data layers, with the lowest 20 percent of DVP volume trimmed before a volume-weighted median is taken
SOFR ·

What Is SOFR? How the New York Fed Calculates It

Where SOFR comes from, how repo trades become a volume-weighted median, and how the averages and index work.

Three steps under NYC Local Law 144, bias audit, public summary and notice, beside a grid of ten business days of notice before an automated hiring tool is used
NYC Local Law 144 ·

NYC Local Law 144: Bias Audits for AI Hiring Tools

What NYC's AI hiring tool law requires: a yearly independent bias audit, a public summary and advance notice.

Diagram of a card payment authorized first, held for a provider-set window, then either captured in full or part or cancelled to release the hold
Payment APIs ·

Authorize and Capture in Payment APIs, Compared

How separate authorization and capture works at Stripe, Adyen, PayPal and Square, from hold windows to expiry.

Diagram of one universal crypto lot pool splitting into separate wallet and broker accounts, each with its own lots, above a timeline from the January 1, 2025 snapshot to the December 31, 2026 end of broker relief.
Cost basis ·

Crypto Cost Basis Wallet by Wallet: The IRS Lot Rules

IRS lot rules now apply per wallet or account: the 2025 snapshot, and broker relief that ends December 31, 2026.

Four blocks labeled Govern, Map, Measure and Manage connect to a central Generative AI Profile card.
NIST ·

NIST AI RMF Generative AI Profile: A Practical Guide

How to use NIST's four AI RMF functions and Generative AI Profile without treating them as a checklist.

Diagram showing the relationship between the FOMC target range, the Federal Reserve's IORB tool and the daily effective federal funds rate, with a market-rate band below.
Federal funds rate ·

Federal Funds Target Range vs Effective Rate

The target range is the Fed's policy signal, IORB is an implementation tool and EFFR is the observed market rate.

Diagram of the House-passed CLARITY Act: the SEC handles token fundraising, including a $50 million yearly sale exemption and mature-blockchain certification, while the CFTC registers digital commodity exchanges, brokers and dealers; status bar shows House passage 294-134, a Senate Banking substitute and a failed 49-50 cloture vote.
CLARITY Act ·

CLARITY Act Crypto Market Structure: How the SEC and CFTC Split Tokens

The House bill gives token fundraising to the SEC and spot trading to the CFTC. The Senate Banking text differs.

Our stories connect the systems that move money with the software that people and businesses rely on. Browse AI for models and automation, Fintech for payments and transfers, Crypto for stablecoins and custody, and Tech for identity and infrastructure.

Formats range from focused news reports to explainers, analysis, and longreads. Each article identifies its author and provides sources for the claims it makes. Start with a question about a product or process, then follow the supporting documentation and related coverage. The first edition covers AI payment permissions, cross-border transfer costs, stablecoin reserve reports, and passkey recovery. Our About page explains the publication’s scope and approach; Contact is the place for questions and corrections.

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