TechREG Chronicle

Dear Readers,   “Buy Now, Pay Later” (“BNPL”) has moved from fintech curiosity to embedded infrastructure in modern consumer markets, quietly reshaping how credit is extended, priced, and experienced. What...

Buy Now, Pay Later (“BNPL”) in its present form is not subject to most consumer protection regulation. This essay first explores what appropriate BNPL consumer protections might look like. It...

Buy Now Pay Later (“BNPL”) has introduced a new form of rivalry in consumer credit by embedding lending directly into digital payment flows. Rather than competing with banks across the...

This article examines the UK’s decision to bring buy now, pay later (“BNPL”) products within the regulatory perimeter as “Deferred Payment Credit” from July 2026. A central theme of the...

This article surveys the rapidly growing academic literature on BNPL and identifies a series of open policy questions that remain unresolved. The authors’ review explores why consumers use BNPL, who...

This article examines the rapid global expansion of Buy Now, Pay Later (BNPL) services, evaluating their transition from a niche payment option to a strong alternative in the consumer credit...

Dear Readers,   This TechREG Chronicle turns to the increasingly consequential intersection of AI, medicine, and the so-called social determinants of health (“SDoH”). As health systems evolve beyond purely clinical...

This article examines how medical AI systems are incorporating SDoH data and the governance challenges that follow. The authors show that while SDoH integration can enhance clinical workflows and predictive...

Artificial intelligence has rapidly transitioned from pilot programs to full-scale deployment across clinical and non-clinical healthcare settings, outpacing the legal and regulatory frameworks designed to govern it. This article examines...

The U.S. Food and Drug Administration is building a new regulatory framework for artificial intelligence and machine learning in medical software. This article argues that the FDA’s evolving approach extends...

This article examines how the FDA is moving from a traditional, document-heavy review model toward a more continuous, data-rich, AI-enabled regulatory environment — an approach that aligns with the Department...

Dear Readers,   This Chronicle explores the rapidly evolving intersection of foreign direct investment and technology, a space where traditional assumptions about openness, control, and market integration are being fundamentally...