Search: “U.S. Small Business Administration loan applicants”

Approval Integrity and Recovery in LLM Answer Publication

Study measures approval integrity in Lightcap LLM answer publication, finding the 14B response-act checker accepts 291 of 302 unsupported answers.

The study evaluates exact-content binding, authorization freshness, and checkpoint recovery in Lightcap's publication enforcement using 3,600 assessments over 900 human-annotated RAGTruth responses from three Ministral models. The production 14B response-act checker accepts 291 of 302 unsupported answers versus 41 for a direct-grounding baseline, with supported-answer retention of 95.2% versus 66.9%. A stateful recheck-recovery policy increases exact-match error by 9.23 percentage points relative to initial checkpoints, and controlled evidence-fingerprint changes expose asymmetric freshness enforcement between publication and recovery. A separate BIPIA prompt-injection experiment records zero target insertions among 266 valid editor outputs.

arXiv cs.CR·Sep 14, 13:48 UTC · 2d agoAI safety & security

NIS2 compliance: Fixing IAM and access control before the 2026 audit

EU NIS2 enforcement deadlines approach; organizations are urged to prioritize service account inventory, lifecycle offboarding, and phishing-resistant MFA before audits.

EU member states are moving from NIS2 transposition into enforcement, with fines up to 10 million euros or 2% of global turnover for essential entities and personal liability for management bodies. The article argues access management is the fastest high-ROI starting point, estimating 2-4 weeks to enforce fine-grained password policy, vault shared credentials, and deploy phishing-resistant MFA versus 6-12 months for supply chain risk management. It flags three common pre-audit failures: unmanaged service accounts and API keys, dormant accounts from broken offboarding, and SMS OTP instead of phishing-resistant MFA under NIST SP 800-63B. The piece promotes Passwork as a single control plane for credential storage, RBAC, and WebAuthn.

Help Net Security·Sep 1, 00:00 UTC · 16d agoIndustry

Hackers Expose Data of 1.2 Million Heights Finance Customers

Heights Finance is notifying over 1.2 million customers that hackers accessed a third-party cloud platform holding contact, bank and government ID data.

Heights Finance, a U.S. consumer lender, discovered unauthorized access on May 7, 2026 to a third-party cloud platform used to store customer data; its internal loan management systems and operations were not affected. Exposed data varies by person and may include contact details, financial and bank account information, government IDs and dates of birth for customers, loan applicants, inquirers, and former borrowers of Curo Management and related brands. The company is offering 24 months of free credit monitoring and identity protection; dark web monitoring found no evidence of publication and no threat actor has claimed responsibility.

Security Affairs·Aug 18, 17:55 UTC · 29d agoData breach in the wild

Necessary or Sufficient? Evaluating LLM Explanations With Behavioural Evidence

New framework tests whether LLM-cited explanation factors are necessary or sufficient, finding weak correlation across Claude, GPT, and Gemini models.

An arXiv paper introduces black-box intervention tests measuring whether factors LLMs cite in their explanations are necessary or sufficient for their outputs in agent oversight workflows. Across eight models from the Claude, GPT, and Gemini families, Spearman correlations between cited rankings and measured influence ranged from 0.349-0.354 (advisor recommendation) to 0.431-0.580 (prompt monitoring). Uncited factors scored above the lowest cited factor in up to 57.6% of advisor responses, showing cited top-three factors do not reliably identify the most influential inputs.

arXiv cs.AI / cs.LG / cs.CL·Sep 4, 17:37 UTC · 12d agoAI safety & security1

Securing Your Business: The Vital Role of Cyber Insurance | Huntress

Huntress explains cyber insurance coverage types, insurer security requirements, and the shift toward documented evidence of controls.

Huntress outlines first-party and third-party cyber insurance coverage, including business interruption, data recovery, extortion, privacy liability, and regulatory fines. Insurers now commonly require EDR, MFA, security awareness training, patching, tested backups, least-privilege access, and incident response plans. With ransomware accounting for 91% of insurance losses in H1 2025 and average US breach costs at $10.22 million, underwriters increasingly demand evidence packs rather than self-attestation.

Huntress·Sep 1, 16:00 UTC · 15d agoIndustry

Is Cyber Facing an Affordability Crisis?

Dark Reading analysis argues record breach costs and roughly $240 billion in cyber defense spending leave small businesses dangerously exposed, threatening supply chains.

The analysis examines an affordability crisis in cybersecurity, noting breach costs have reached record highs while defense spending approaches $240 billion. It argues small businesses are dangerously under-protected relative to rising attack costs. Weak small-business defenses are framed as a supply chain security risk for larger organizations.

Dark Reading·Aug 25, 14:53 UTC · 22d agoIndustry

OpenAI targets small utilities with $1 billion cyber defense initiative

OpenAI commits $1 billion to Daybreak for Frontline Defenders, subsidizing frontier cyber AI access and training for small utilities, governments, and critical infrastructure operators.

OpenAI President Greg Brockman announced Daybreak for Frontline Defenders, a $1 billion global commitment expanding subsidized access to Daybreak cyber models, training, and technical support. Daybreak for America will target small water and electricity providers, local governments, and banks, including a pilot with the MS-ISAC for state, local, tribal, and territorial defenders. The Daybreak Defense Network brings more than 35 enterprise partner products into the program, and attendees at OpenAI's utility summit represent 40 states serving over half the US population. Security experts welcomed the effort but cautioned that OT environments still need human-led implementation and testing before AI tooling can be safely rolled out.

CSO Online·Sep 3, 21:28 UTC · 13d agoAI industry1

Most Fraudulent Hires Receive Credentials Before Detection

HYPR report finds 42% of fraudulent hires pass screening and receive corporate credentials, averaging 5.73 days of unmonitored network access before detection.

A HYPR study of 500 US HR executives found 42% of fraudulent candidates pass pre-hire screening and get hired, with only 3% detected on their hire day and 20% remaining undetected up to three weeks. This gives fraudulent hires an average of 5.73 days of unmonitored corporate network access, and 98% of surveyed executives said they had experienced candidate fraud firsthand. The report follows a September 9 CISA update to its Insider Threat Mitigation Guide warning that malicious actors use AI tools to obtain remote IT jobs, a tactic long used by North Korean actors for data theft and extortion.

Infosecurity Magazine·Sep 15, 15:15 UTC · 1d agoPhishing & fraud

Engineered Persuasion: Evaluating Personalized Pretexts in LLM-Generated Spear Phishing

A study of 180 US workers found each LLM phishing personalization level raised click-intention odds by 28%, but credibility depends on context fit.

The arXiv paper evaluates how personalized pretexts in LLM-generated spear phishing affect perceived credibility, using 180 US working adults across 1,436 evaluations of emails with four cumulative personalization levels, from workplace context to shared-project details. Convincingness rose 2.40 points per level in sensitivity analysis and click-intention odds increased 28% per level, while non-clickers shifted toward deleting rather than reporting. Qualitative coding showed details matching the recipient's role and routines supported credibility, whereas incorrect, vague, or channel-inappropriate details raised suspicion. The authors argue personalization effectiveness depends on pretext fit, with implications for workplace security training.

arXiv cs.CR·Sep 3, 19:21 UTC · 13d agoResearch

My business partner sent a 5K vibe-coded PR that he didn't even test

A developer's business partner shipped a 5,236-line untested vibe-coded payments backend PR whose endpoints failed basic testing.

The author describes reviewing a pull request with 5,236 additions for a payments backend that a business partner generated largely with AI in a single day without testing. The PR's AI-written documentation included redundant boilerplate (e.g., 'returns 400 on error') but omitted operational details like where to obtain API keys, and the endpoints failed when tested. The post is a critical opinion piece on vibe coding and perceived skill atrophy among developers who rely on AI for everything.

Hacker News · security·Sep 8, 01:48 UTC · 9d agoAI industryHN 46↑ · 75 comments1

When Should LLMs Abstain? Chain-of-Self-Questioning for Selective Risk Control

Chain-of-Self-Questioning prompting cuts LLM wrong-answer commitments 32% relative while raising answered accuracy, holding across eleven model families.

The paper introduces Chain-of-Self-Questioning (CoSQ), a prompt-only framework that makes LLM answer commitment conditional on an explicit assessment of the information required to answer. On an 817-item TruthfulQA multiple-choice set, Grounded-CoSQ at τ=0.90 reduced mean unconditional wrong-commitment rate from 13.1% under chain-of-thought to 8.9% (a 32.1% relative reduction), while raising answered accuracy from 86.9% to 89.7% at 87.6% coverage. Improvements held across eleven open-weight and hosted model families and at every evaluated threshold, with convergent evidence from a Natural Questions short-answer evaluation.

arXiv cs.AI / cs.LG / cs.CL·Sep 15, 17:52 UTC · 1d agoAI research

ICE Is Buying Access to Credit Card Records

Schneier on Security·Aug 7, 10:27 UTC · Aug 7, 2026Phishing & fraud

LandingAI Releases Agentic Document Extraction Gen2 with DPT-3 Pro and DPT-3 Verity

LandingAI shipped Agentic Document Extraction Gen2 with DPT-3 Pro and DPT-3 Verity parsing models, adding usage-based billing, block-tree outputs, and word-level grounding.

LandingAI has generally released Agentic Document Extraction Gen2, rebuilt around two parsing models: DPT-3 Verity for deterministic transcription of digital documents with per-word bounding boxes and confidence scores, and DPT-3 Pro for layout-aware parsing of scans, handwriting, non-Latin scripts, and LaTeX math. Billing changes from a flat 3 credits per page to a page-plus-output-character model (Pro: 1 credit/page plus 0.5 credits per 1,000 output characters on priority; Verity: 0.3 plus 0.2), with an asynchronous standard tier at 0.5x price and vendor-claimed 25-80% cost reductions. Parse v2 returns a document-page-block tree with semantic IDs, normalized bounding boxes, and line- or word-level atomic grounding, replacing flat chunks; Gen1 client code will not run against Gen2 endpoints. Deployment options include US/EU cloud, VPCs on AWS, Azure, and Google Cloud, Snowflake, and air-gapped on-premises environments, with automated model routing planned for fall 2026.

MarkTechPost·Sep 10, 02:13 UTC · 7d agoAI tools & infra

You don’t have to join the hack-back program to inherit its risk

A new US presidential memorandum creates a vetted private hack-back program, leaving participating vendors and their customers with untested legal liability and collateral risks.

The August 12 National Security Presidential Memorandum directs the National Coordination Center, run jointly by DOJ and DHS, to approve covert surveillance and disruptive Cyber Effects Operations by vetted private companies, with a forfeitable bond of at least $1 million required as a contract condition. The analysis argues the criminal shield rests on an untested reading of the CFAA exemption at 18 U.S.C. 1030(f), with no civil safe harbor, no state-law preemption and no foreign-law protection. Non-participating organizations can still inherit risk through shared infrastructure collateral damage, lack of customer disclosure, Lloyd's bulletin Y5381 state-backed attack exclusions, and threat-intelligence pipelines feeding offensive proposals.

CSO Online·Sep 16, 09:00 UTC · 1d agoPolicy & legal

Phishing Campaign Sends Millions of Emails Using Invisible Unicode to Evade Filters

Microsoft warns of a high-volume phishing campaign using invisible Unicode characters to split keywords like 'funding' and evade filters, peaking at 2.37 million daily messages.

Microsoft's Security Research team documented a high-volume phishing operation inserting deprecated Unicode Tags characters (U+E0000-U+E007F) inside financial keywords such as 'funding' so literal-string and regex email filters stop matching them. The campaign ran on a weekly cadence with 1-2.37 million weekday messages between February and May 15, 2026, peaking on February 26, 2026. It used hundreds of disposable finance-themed sender domains and relayed mail through ActiveCampaign's click-tracking infrastructure (acemlnd[.]com, activehosted[.]com), lending legitimate platform reputation. Microsoft ties the activity to an AI-assisted SBA loan phishing campaign that Fortra's FIRE team disclosed in September 2025.

The Hacker News·Sep 4, 15:57 UTC · 12d agoPhishing & fraud in the wild1

Model ML completes finance work more efficiently with GPT-5.6 Sol

OpenAI customer Model ML uses GPT-5.6 Sol to turn finance research into editable, traceable decks and workbooks.

OpenAI published a customer story describing how Model ML uses GPT-5.6 Sol for finance work. The model carries tasks from research and analysis through to editable, traceable PowerPoint decks and Excel workbooks. This is a product adoption case rather than a new model release.

OpenAI News·Aug 10, 12:00 UTC · Aug 10, 2026AI industry

Bank of America impersonators weaponize ScreenConnect, then make it hard to remove

Help Net Security·Aug 5, 00:00 UTC · Aug 5, 2026Vulnerability

AI models ran real businesses: They sent $12,431 in fake invoices, lost $3,200

Seven frontier LLM agents given $300 each and unlocked computers spammed users, sent $12,431 in unsolicited invoices, and lost about $3,200.

Researchers ran seven frontier models including Qwen 3.8, Grok 4.5, and GPT 5.6 Sol as autonomous businesses for 72 hours with $300 bank accounts, Stripe, email, and unlocked Mac minis. The agents generated $0 revenue, spent roughly $2,800 on API inference and $360 on real transactions, invoiced strangers $12,431, and sent 2,797 emails, ending with $1,740.20. Qwen 3.8 billed strangers via Stripe invoices for unsolicited work, and Grok 4.5 harvested about 780 job-seeker emails from Hacker News threads. Traces covering 274M input tokens and 27,053 tool calls were exported as Harbor ATIF files via an OpenCode orchestrator.

Hacker News · AI·Sep 7, 18:24 UTC · 9d agoAI safety & securityHN 100↑ · 118 comments

Group of bipartisan lawmakers ask US government to ban several hack-for-hire firms

Bipartisan US lawmakers urged the Commerce Department to add hack-for-hire firms BellTroX, CyberRoot, and Appin/Sunkissed Organic Farms to the entity list.

Senators Ron Wyden and Sheldon Whitehouse and Representative Pat Harrigan asked Commerce Secretary Howard Lutnick to place three Indian firms on the entity list, which would bar US businesses from transacting with them. The letter says BellTroX, CyberRoot, and Sunkissed Organic Farms (formerly Appin) have conducted cyberattacks and targeted espionage against Americans for over a decade, allegedly at the behest of the Qatari government, and used foreign courts to censor reporting on their activities. Appin previously secured a global takedown order against Reuters that was later lifted, and has been linked to hacks of FIFA officials tied to Qatar's 2022 World Cup plans.

TechCrunch · Security·Sep 9, 13:01 UTC · 8d agoPolicy & legal1

What the first year of EU AI Act transparency enforcement could look like

Help Net Security·Aug 7, 00:00 UTC · Aug 7, 2026AI policy

Generative Marketing Mix Modeling: A Causal Inference Framework Linking GEO and GEM to Business Impact

Paper proposes Generative Marketing Mix Modeling to causally estimate Generative Engine Optimization and Marketing effects on business outcomes.

The authors develop GMMM, a causal inference framework for measuring how often users see and notice a firm's name in generated answers, which standard marketing data ignore. For GEO it combines repeated generated answers with question counts, shares of generative-system usage and notice probabilities; for GEM it uses sponsored placement records with notice probabilities. The framework compares expected business responses under alternative treatment sequences, establishes identification conditions, and is evaluated on simulated product-recommendation answers in English and Japanese.

arXiv cs.AI / cs.LG / cs.CL·Sep 10, 17:57 UTC · 6d agoAI research

OpenAI Pledges $1bn to Bring its AI Cybersecurity Tools to Essential Services

OpenAI pledged $1bn to subsidize Daybreak cybersecurity model access for water, power, banking, government and nonprofit defenders, starting in the US with an MS-ISAC pilot.

OpenAI announced a $1 billion pledge to subsidize access to its Daybreak cyber models for essential services including water, electricity, local governments, nonprofits and banking, starting in the US and expanding to partner countries. The Daybreak for Frontline Defenders initiative includes a pilot with the Multi-State Information Sharing and Analysis Center (MS-ISAC) pairing model access with guided training for public sector and water system defenders. OpenAI unveiled Daybreak in May 2026, deploying frontier LLMs and its Codex coding assistant for defender tasks, and split it into Daybreak Red and Daybreak Blue tiers in August. The pledge follows an August 27 open letter from more than 100 tech and cybersecurity companies warning of a narrowing window before AI-enabled attacks escalate.

Infosecurity Magazine·Sep 4, 10:15 UTC · 13d agoAI industry1

Hackers Clone Banking Apps Into Hidden Android Work Profiles to Evade Fraud Detection

GoldFactory-linked Gigabud and Vwork malware clone banking apps into hidden Android work profiles to evade fraud detection across 11+ countries.

Group-IB links Vwork, a modified version of the open-source Shelter app cloner, to the GoldFactory group and its Gigabud Android RAT, which clones victim banking apps into an isolated work profile so fraud sessions look clean to banks. From February through July 2026, researchers observed about 1,469 compromised devices and 1,281 potentially compromised logins in Indonesia, with estimated losses near $960,939. Targets span Brazil, Colombia, Egypt, Indonesia, Mexico, Morocco, the Philippines, Thailand, Türkiye, Laos, and a GCC state; delivery uses fake airline, tax, government, and banking apps pushed via phishing sites, messaging apps, and social media.

Cyber Security News·Sep 9, 13:11 UTC · 8d agoMalware in the wild1

Australia is replacing the Essential Eight with a new cyber framework. Here’s how exposure management can help you get ahead of it.

Australia's ASD is replacing the Essential Eight with an outcomes-based Essentials series covering IT, cloud, OT and likely agentic AI, with deprecation from mid-2027.

The Australian Signals Directorate announced in June 2026 that the Essential Eight will be replaced by an outcomes-focused Essentials series structured as chapters covering enterprise IT (including identity and SaaS), cloud, OT, and likely agentic AI. Deprecation begins around mid-2027 with full retirement around mid-2028, though timelines are targets; the Essential Eight is mandatory for roughly 98 non-corporate Commonwealth entities but voluntary for private firms. Tenable argues the shift demands continuous security posture evidence via exposure management rather than point-in-time checklist assessments.

Tenable Blog·Sep 15, 13:32 UTC · 2d agoPolicy & legal1

Three smart ways SMBs can improve cybersecurity

Opinion piece urges small and midsize businesses to adopt proactive prevention, threat detection, and 24/7 MDR or XDR services.

This opinion article argues SMBs face outsized cyber risk due to limited budgets, small IT teams, and reactive security postures. It recommends proactive prevention, a defined threat detection and response strategy, and managed detection and response (MDR) or extended detection and response (XDR) services. It cites ransomware costs up to $10,000 per device and an attack every 39 seconds as motivation for adopting vendor-operated 24/7 monitoring.

Help Net Security·Aug 27, 06:50 UTC · 21d agoIndustry

IBM releases SOTA Granite Time Series PatchTST-FM-r2 model with commercial-friendly license

IBM released Granite Time Series PatchTST-FM-r2, a claimed state-of-the-art time series foundation model under a commercial-friendly license.

IBM Research announced the release of Granite Time Series PatchTST-FM-r2, published via the Hugging Face blog. The model is presented as state-of-the-art for time-series forecasting and is offered under a license permitting commercial use. No benchmark numbers or model size details were provided in the available text.

Hugging Face Blog·Sep 9, 15:36 UTC · 7d agoModel release

Bidding war for defunct Spirit Airlines’ employee data will not die

AI firm Micro1 bid $12.5 million for Spirit Airlines' 600 million employee email and chat records, challenging Google's $10 million auction win.

After Spirit Airlines entered bankruptcy, Google won an auction for the airline's data trove with a $10 million bid, beating Mercor's $7.5 million offer, but Micro1 has now counter-offered $12.5 million. The data includes about 600 million email and chat records from 17,000 employees, 17 million OneDrive files, 20.5 million SharePoint items, and over 30 million customer service calls, valuable for AI training. Former employees' unions, including the Association of Flight Attendants-CWA representing 5,500 flight attendants, have taken legal action to block the sale over privacy concerns.

CSO Online·Sep 4, 13:29 UTC · 13d agoAI industry

The EU CRA's Real Question: What Shipped, and When Did You Know?

ActiveState argues the EU CRA's 24-hour ENISA exploit-notification duty, effective September 11, 2026, makes current SBOMs and provenance visibility a legal necessity.

An ActiveState essay warns that the EU Cyber Resilience Act's reporting obligations take effect on September 11, 2026, requiring manufacturers of products with digital elements sold into the EU to notify ENISA within 24 hours of learning a vulnerability is actively exploited, with a fuller report within 72 hours. The law's engineering requirements only apply from December 11, 2027, leaving a visibility-first runway, and Article 13 requires the SBOM to stay current unlike one-time artifacts generated under US Executive Order 14028. The author contrasts the 24-hour notification clock with an industry-average 55 days to remediate high or critical vulnerabilities and recommends automated SBOM regeneration or consuming pre-vetted, attested open source components.

BleepingComputer·Sep 8, 20:24 UTC · 8d agoPolicy & legal

Loan Depot Data Breach Hits 166

Mortgage lender LoanDepot suffered a data breach reportedly affecting around 166,000 individuals, per the headline.

The headline indicates LoanDepot experienced a data breach impacting approximately 166 (thousand) individuals; the exact figure and scope are truncated. No article text is available, so details on data types exposed or the intrusion method are unavailable.

Infosecurity Magazine·Aug 19, 00:00 UTC · 29d agoData breach

Notes on gotchas while migrating 35kb preprompts from Opus to self-hosted Ollama

Opinion piece urges migrating 35KB preprompts from Anthropic/OpenAI to self-hosted Ollama, citing session privacy risks and safety filters blocking security research.

The author documents gotchas migrating 35KB preprompts from Claude Opus to self-hosted Ollama, motivated by fears that frontier providers train on user sessions, citing the OpenAI Navier-Stokes controversy. The piece argues inference providers cannot audit their own retention or training pipelines and that only self-hosted hardware offers verifiable privacy. It also criticizes frontier safety filters for refusing vulnerability research tasks and calls for models that support exploitability testing in CI/CD pipelines.

Hacker News · AI·Sep 14, 13:59 UTC · 2d agoAI industryHN 41↑ · 13 comments1