Private Student Loans Continue to Be Effectively Managed by Students and Families

Las Vegas, NV – July 10, 2025 – Enterval Analytics, LLC, a leading student loan analytics company, released the 24th edition of its semi-annual Private Student Loan Report, which offers a comprehensive view of overall private student lending in the United States. The latest report continues to highlight students and families are effectively managing their private student loans, a trend observed for more than a decade.

As of Q1 2025, early-stage delinquencies, late-stage delinquencies, and gross charge-offs stand at 3.48%, 1.62%, and 2.33%, respectively. Forbearance utilization is well within the pre-pandemic forbearance range of 2 – 3%, coming in at 2.02%.

“Borrowing for higher education is a significant decision for students and families so it’s particularly encouraging that those with private student loans continue to successfully navigate repayment,” said John Falb, CEO at Enterval. “Private loans are high quality and thoughtfully underwritten as evidenced by the overall strong portfolio health.”

Based on the latest federal student loan data, approximately 92% of student loans are made by the federal government, and the remaining 8% of the student loan market as of Q1 2025 are private student loans. Private student loan originations for the first three quarters of AY 2024-2025 totals $9.69B.

Private student loans are fully underwritten to assess creditworthiness and ability to repay and are school-certified. Undergraduate student loans make up almost 90% of the outstanding private student loan market. The latest report shows 74.48% of the loans in repayment which demonstrates strong portfolio health. In addition, roughly 93% of private student loans are cosigned.

This report reflects approximately 70% of the active in-school private student loan lender market in the United States including contributions from Citizens Bank, N.A., Navient, PNC Bank, N.A., Sallie Mae Bank, and College Ave, as well, Navy Federal Credit Union, SoFi, Granite Edvance, Higher Education Servicing Corporation, InvestEd, KHELSC, Oklahoma Higher Education Loan Program, PHEAA, RISLA, South Carolina Student Loan, and VSAC.

For a detailed analysis, the full report is available at https://www.enterval.com/#reports.

About Enterval

Enterval Analytics was formed to provide industry leading research, tools, and insights for the private student loan market. With a dedicated team of seasoned professionals, with specialized experience in data analysis, finance, student loan portfolio management, higher education policy, public and government relations—Enterval is uniquely positioned to deliver reporting and software tool solutions focused on the higher education space. For more information about Enterval, visit www.enterval.com.

New York, NY – July 9, 2025 – In a challenge brought by competitor Bayer Healthcare LLC, BBB National Programs’ National Advertising Division determined that Olly PBC provided a reasonable basis for claims made for its Lovin’ Libido dietary supplement related to desire, drive, arousal, satisfaction and lubrication.

However, the National Advertising Division (NAD) recommended that Olly discontinue its Lovin’ Libido claim related to sensation.

Bayer and Olly are competitors that each market a variety of dietary supplements to consumers. Bayer challenged claims made by Olly that touted the sexual benefits of Olly’s Lovin’ Libido product that relate to ashwagandha, an ingredient in the product.

NAD reviewed Olly’s advertising to determine whether it conveyed the message that the Lovin’ Libido product, rather than the individual ingredient ashwagandha, provided the claimed benefits.

Of the eight express claims, five specifically named ashwagandha as providing the expected benefit. The three remaining challenged claims did not specifically reference ashwagandha, but appear in contexts that make clear that ashwagandha is the source of the claimed benefits. NAD determined that in this context, reasonable consumers would interpret the claims as attributing the product benefits to ashwagandha.

Based on Olly’s express messaging in its ads, NAD further determined that the Lovin’ Libido product is marketed towards women who are uninterested in and unsatisfied with sex. NAD reviewed the evidence to determine if it supported a reasonable basis that ashwagandha provides the claimed benefits to that target population of women.

In support of its claims, Olly provided seven randomized clinical trials (RCTs) studying the sexual health benefits of ashwagandha root extract. NAD determined that one study did not adequately support the claimed sexual health benefits due to its focus on perimenopausal women and thus could not qualify as competent and reliable support for the challenged claims. NAD found that the six additional studies provided a reasonable basis for Olly’s claims about the sexual health benefits of ashwagandha in its Lovin’ Libido product. However, NAD noted that none of the RCTs directly addressed the specific claimed benefit of enhanced “sensation.”

Accordingly, NAD determined that Olly provided a reasonable basis for its claims related to desire, drive, arousal, satisfaction and lubrication, but determined that the studies are not a good fit to support claims related to sensation and recommended that the reference to sensation be discontinued.

During the proceeding, Olly voluntarily discontinued certain Lovin’ Libido claims. Therefore, NAD did not review these claims on their merits and will treat them, for compliance purposes, as though NAD recommended they be discontinued.

In its advertiser statement, Olly stated that it will comply with NAD’s recommendations.

All BBB National Programs case decision summaries can be found in the case decision library. For the full text of NAD, NARB, and CARU decisions, subscribe to the online archive. Per NAD/NARB Procedures, this release may not be used for advertising or promotional purposes.

About BBB National Programs: BBB National Programs, a non-profit organization, is the home of U.S. independent industry self-regulation, currently operating more than 20 globally recognized programs that have been helping enhance consumer trust in business for more than 50 years. These programs provide third-party accountability and dispute resolution services that address existing and emerging industry issues, promote fair competition for businesses, and a better experience for consumers. BBB National Programs continues to evolve its work and grow its impact by providing business guidance and fostering best practices in arenas such as advertising, child-and-teen-directed marketing, data privacy, dispute resolution, automobile warranty, technology, and emerging areas. To learn more, visit bbbprograms.org.

About the National Advertising Division: The National Advertising Division of BBB National Programs provides independent self-regulation and dispute resolution services, guiding the truthfulness of advertising across the U.S. The National Advertising Division reviews national advertising in all media and its decisions set consistent standards for advertising truth and accuracy, delivering meaningful protection to consumers and promoting fair competition for business.

GREENVILLE, S.C., July 7, 2025 – For 135 years, Michelin and advancement have been synonymous, continuing to drive technology to improve our daily lives – and that includes innovative technology for fleet mobility.

It’s with great enthusiasm that Michelin introduces the Michelin X^® Line Grip D tire. The Michelin X^® Line Grip D tire is a revolutionary leap forward in drive tire innovation that provides exceptional mileage, lasting traction, and features a durable casing designed to reach up to 1 million miles with up to four retreads, all of which assists fleets while moving goods to consumers across North America.

Recently, Michelin partnered with television host and MythBusters legend Adam Savage and his team, providing an opportunity to witness testing demonstrations on the new Michelin X^® Line Grip D tire and learn about this revolutionary tire on his show Tested. You can see the demonstration results and watch Savage’s impressions here.

“We at Michelin are dedicated to evolving tire performance through relentless innovation and ongoing technological advancements,” said Pierluigi Cumo, VP of B2B Marketing at Michelin North America, Inc. “That’s why Michelin is proud to introduce the Michelin X^® Line Grip D tire. This tire has the potential to redefine the drive tire standard in fleets for years to come. It is not an evolution to existing products, but something entirely different the fleet world has not seen before.”

The Michelin X^® Line Grip D tire is an amazing example of benefit focused innovation, and Michelin tire designers characterize this new product as a “once-in-a-lifetime” leap in tire technology for fleets. This new SmartWay[1] verified drive tire helps fleets control their operational costs, providing 20% more mileage[2] and 20% reduction in rolling resistance than the Michelin XDN2 tire. Drivers can also remain confident in this 3PMSF[3] rated drive tire’s excellent traction performance in wet and snowy conditions thanks to the unique chevron tread design. Based on testing of worn tires, the Michelin X^® Line Grip D tire provides more than 90% better snow starting traction[4] and more than 25% better wet starting traction than the Michelin XDN2 tire[5]. Additionally, fleets can get more out of their assets as the Michelin X^® Line Grip D tire is built on our Michelin DURACORE casing, featuring INFINICOIL and POWERCOIL technologies.

“Michelin has a proven track record of delivering high-quality, reliable products that exceed performance expectations,” said Cumo. “This fantastic leap in drive tire technology brings new levels of performance to the road and new levels of savings for our customers.”

The Michelin X® Line Grip D tire will be available in sizes 295/75R22.5 and 11R22.5. For more information on the Michelin X® Line Grip D tire, please visit our website.

 

[1] Based on internal tests against SmartWay^® requirements. For more information on SmartWay^® verified technologies, go to U.S.: www.epa.gov/smartway or CA: https://nrcan.gc.ca

[2] Based on an internal study of 3 fleets in line haul usage, measured at tire removal, 129 total tires, based on a 6/32” max. pull point, 295/75R22.5 Michelin X^® Line Grip D tire vs. 275/80R22.5 Michelin XDN2 tire (equivalent sizes).  Actual on-road results may vary.

[3] Meets the USTMA (U.S. Tire Manufacturers Association) snow traction performance requirements. Meets the Tire and Rubber Association of Canada (TRAC) requirements for severe snow traction.

[4] Calculated based on internal snow starting test at 10/32” remaining tread, Michelin X^® Line Grip D 295/75R22.5 tire vs. Michelin XDN2 275/80R22.5 (equivalent sizes) tire.

[5] Calculated based on internal wet starting test; measuring peak Mu; both tires worn to 10/32” remaining tread; XLGD 295/75R22.5 LRG XDN2 275/80R22.5 (equivalent sizes).

 

About Michelin North America, Inc.

Michelin is a world-leading manufacturer of life-changing composites and experiences. Pioneering engineered materials for more than 130 years, Michelin is uniquely positioned to make decisive contributions to human progress and to a more sustainable world.

Drawing on its deep know-how in polymer composites, Michelin is constantly innovating to manufacture high-quality tires and components for critical applications in demanding fields as varied as mobility, construction, aeronautics, low-carbon energies and healthcare.

The care placed in its products and deep customer knowledge inspire Michelin to offer the finest experiences. This spans from providing data- and AI-based connected solutions for professional fleets to recommending outstanding restaurants and hotels curated by the MICHELIN Guide.

Headquartered in Greenville, S.C., Michelin North America, Inc. has approximately 23,500 employees and operates 36 production facilities in the United States (michelinman.com) and Canada (michelin.ca).

 

For more information, contact:

David Finleyson

Michelin North America                                                                                 

david.finleyson@michelin.com

www.michelinmedia.com

New York, NY – July 1, 2025 – In a Fast-Track SWIFT challenge brought by Intralox, LLC, BBB National Programs’ National Advertising Division reviewed Safari Belting System, Inc.’s claim that its line of conveyor belting products is “Made in the USA.”Fast-Track SWIFT is an expedited process for single-issue advertising cases reviewed by the National Advertising Division (NAD). Intralox and Safari are manufacturers of conveyor belt systems.

Intralox challenged Safari’s marketing claims made on its website and in a YouTube video that its belting products are “Made in the USA,” alleging that some of Safari’s products are manufactured outside of the United States.

During the inquiry, Safari notified NAD that it had voluntarily discontinued all of the challenged advertising. As a result, NAD did not review these claims on their merits and will treat them, for compliance purposes, as though NAD recommended they be discontinued.

All BBB National Programs case decision summaries can be found in the case decision library. For the full text of NAD, NARB, and CARU decisions, subscribe to the online archive. Per NAD/NARB Procedures, this release may not be used for advertising or promotional purposes.

About BBB National Programs: BBB National Programs, a non-profit organization, is the home of U.S. independent industry self-regulation, currently operating more than 20 globally recognized programs that have been helping enhance consumer trust in business for more than 50 years. These programs provide third-party accountability and dispute resolution services that address existing and emerging industry issues, promote fair competition for businesses, and a better experience for consumers. BBB National Programs continues to evolve its work and grow its impact by providing business guidance and fostering best practices in arenas such as advertising, child-and-teen-directed marketing, data privacy, dispute resolution, automobile warranty, technology, and emerging areas. To learn more, visit bbbprograms.org.

About the National Advertising Division: The National Advertising Division of BBB National Programs provides independent self-regulation and dispute resolution services, guiding the truthfulness of advertising across the U.S. The National Advertising Division reviews national advertising in all media and its decisions set consistent standards for advertising truth and accuracy, delivering meaningful protection to consumers and promoting fair competition for business.

New York, NY – June 30, 2025 – As part of its marketplace monitoring program, BBB National Programs’ National Advertising Division found certain Samsung Electronics North America “smartest” and energy efficiency claims for its Bespoke Refrigerators supported, but recommended that other claims be modified, including those related to artificial intelligence (AI) claims about their refrigerators.

The National Advertising Division’s (NAD) inquiry focused on express and implied claims on Samsung’s website for its customizable Bespoke refrigerators. Samsung promotes its “Bespoke AI” line as its latest addition and highlights both Family Hub and AI Family Hub+ refrigerators, which feature smart connectivity through the SmartThings app. In 2024, Samsung launched the AI Family Hub+ line with advanced AI features, including AI Energy Mode and AI Vision Inside.

“The Industry’s Smartest Fridge”

Samsung advertises its product as “the industry’s smartest fridge,” often near references to AI Family Hub+ features. NAD found this phrasing conveys a comparative superiority claim covering both “smart” (connected technology) and AI capabilities.

NAD found Samsung’s claims that it has the “smartest” fridge to be supported based on the record that Samsung’s features – SmartThings app and SmartThings Hub – are unique.

During the inquiry, Samsung voluntarily agreed to modify its advertising to avoid conveying the message that refrigerators with “smart” features are the same as those with AI features. As a result, NAD did not review these claims on their merits and will treat them, for compliance purposes, as though NAD recommended they be modified.

Energy Savings Claims

Samsung claims consumers can “Get smart energy savings up to 10%,” which appears alongside language explaining the functionality of the AI Energy Mode feature. Based on evidence submitted by Samsung in support of its claims, NAD determined that the claims “Get smart energy savings of up to 10%,” “Reduce your energy use by up to 10% with AI Energy mode, all from your phone,” and “energy efficient” were supported.

However, NAD recommended that Samsung modify any energy savings claims that do not reference accessing the SmartThings app from their phone to make clear that a phone app is required for additional management of energy savings.

Ratings and Reviews

Samsung includes consumer ratings on product pages, including for refrigerators with AI Vision Inside. Some reviews were submitted by consumers who received monetary incentives, which are marked with an “Incentivized Review” badge. Samsung uses a third-party provider to monitor reviews in compliance with Federal Trade Commission guidance.

NAD found that Samsung uses objective and neutral criteria in soliciting and managing reviews and that incentivized reviews are clearly disclosed. In this context, NAD found that additional disclosures that incentivized reviews are included in the average rating are not required.

AI Vision Inside and View Inside

 During the inquiry, Samsung voluntarily agreed to discontinue certain language in its claims for AI Vision Inside and further permanently modify those claims. Samsung also agreed to permanently modify its claims for View Inside. NAD did not review these claims on the merits and will treat them, for compliance purposes, as though NAD recommended they be modified.

In its advertiser statement, Samsung stated that it “appreciates the opportunity to participate in NAD’s review process and will comply with NAD’s decision.”

All BBB National Programs case decision summaries can be found in the case decision library. For the full text of NAD, NARB, and CARU decisions, subscribe to the online archive. Per NAD/NARB Procedures, this release may not be used for promotional purposes.

About BBB National Programs: BBB National Programs, a non-profit organization, is the home of U.S. independent industry self-regulation, currently operating more than 20 globally recognized programs that have been helping enhance consumer trust in business for more than 50 years. These programs provide third-party accountability and dispute resolution services that address existing and emerging industry issues, create fair competition for businesses and a better experience for consumers. BBB National Programs continues to evolve its work and grow its impact by providing business guidance and fostering best practices in arenas such as advertising, child-and-teen-directed marketing, data privacy, dispute resolution, automobile warranty, technology, and emerging areas. To learn more, visit bbbprograms.org.

About the National Advertising Division: The National Advertising Division (NAD) of BBB National Programs provides independent self-regulation and dispute resolution services, guiding the truthfulness of advertising across the U.S. NAD reviews national advertising in all media and its decisions set consistent standards for advertising truth and accuracy, delivering meaningful protection to consumers and promoting fair competition for business.  

Independent study reveals how Lexis+ AI lets legal teams optimize outside counsel spend, increase internal productivity, and drive enterprise-wide AI innovation

NEW YORK, June 26, 2025 – LexisNexis^® Legal & Professional today released The Total Economic Impact of Lexis+ AI for Corporate Legal Departments, a commissioned study conducted by Forrester Consulting on behalf of LexisNexis, to evaluate the potential economic impact of the Lexis+ AI^® generative AI workflow solution on in-house legal departments. According to the study, legal teams deploying Lexis+ AI can generate $1.2m in benefits and cost-savings and achieve a 284% return on investment (ROI) over 3 years. The study also found that the solution pays for itself in under 6 months, delivering a net present value (NPV) of over $910k over 3 years.

“This study validates what our customers are experiencing. Lexis+ AI is helping corporate legal departments rapidly realize meaningful economic benefits,” said Sean Fitzpatrick, CEO of LexisNexis North America, UK, and Ireland. “As LexisNexis AI technology and legal content become deeply embedded in workflows, legal teams are achieving productivity benefits, delivering more exceptional work in-house, and optimizing their outside counsel spend.”

Lexis+ AI efficiently handles legal drafting, research and insights, and now features the LexisNexis Protégé personalized AI assistant to power the completion of complex legal tasks. Forrester engaged with Lexis+ AI corporate customers to understand the workflow and business impacts of the legal AI solution. The independent study found that by enabling in-house teams to efficiently and accurately handle more legal work themselves, and with confidence in enterprise-grade security, Lexis+ AI helps corporate legal departments strategically optimize their outside counsel spend for critical work and focus resources on higher-value work.

According to the Forrester study, over 3 years, the risk-adjusted present value (PV) quantified benefits of Lexis+ AI include:

$1.2M in Cost Savings from Reduced Outside Counsel Spend and Productivity Improvements

• Up to 13% reduction in outside counsel work, generating $602.5k in cost savings
• 25% fewer lawyer hours needed to address legal inquiries that impact the business, saving $574.2k

Increased Operational Efficiency and Team Capacity

• 50% time savings for paralegals on administrative tasks annually, unlocking $53.3k in value and freeing time for higher-value work
• 5% increase in the volume of matters the organization handles internally in Year 1, without adding more hours
• The resulting impact to legal department budget savings is up to 1.95%, equating to $642.5k annual savings in Year 3

Empowered Legal Teams and Advanced Strategic Innovation

Beyond cost savings, the study found that Lexis+ AI helps legal departments with:

• Improving the employee experience by providing legal professionals with an advanced generative AI workflow solution that’s grounded in high-quality legal content for trusted AI results
• Rapidly delivering the highest-quality legal work
• Accelerating organization-wide AI adoption goals with data privacy, security encryption, and compliance at the forefront

Access the full The Total Economic Impact of Lexis+ AI for Corporate Legal Departments, study on the LexisNexis Legal & Professional website. For more information on Lexis+ AI, visit www.lexisnexis.com/ai.

Total Economic Impact Framework and Methodology
The Total Economic Impact of Lexis+ AI for Corporate Legal Departments is a commissioned Forrester Consulting study conducted on behalf of LexisNexis in June 2025 to examine the potential return on investment enterprises may realize by deploying Lexis+ AI. Forrester constructed a Total Economic Impact framework, aggregating the experiences of corporate legal department decision-makers into a single composite organization: a global enterprise based in North America with $10b in annual revenue and a corporate legal staff consisting of 70 attorneys and 10 paralegals.

About LexisNexis Legal & Professional
LexisNexis^® Legal & Professional provides legal, regulatory, and business information and analytics that help customers increase their productivity, improve decision-making, achieve better outcomes, and advance the rule of law around the world. As a digital pioneer, the company was the first to bring legal and business information online with its Lexis^® and Nexis^® services. LexisNexis Legal & Professional, which serves customers in more than 150 countries with 11,800 employees worldwide, is part of RELX, a global provider of information-based analytics and decision tools for professional and business customers.

###

Media Contact:
Jill Van Nostran
VP, Communications & Global PR
LexisNexis Legal & Professional
jill.vannostran@lexisnexis.com   

• Providence and Somni earn Three MICHELIN Stars
• Two restaurants earn Two MICHELIN Stars and five earn One MICHELIN Star
• Selection boasts two new Green Stars and six new Bib Gourmands

 

SACRAMENTO, Calif., June 25, 2025 — This year’s MICHELIN Guide California ceremony was full of celebration as the selection was revealed. The 2025 selection raised the bar with two new Three Starred restaurants. Providence in Hollywood was promoted from Two Stars and Somni in West Hollywood enters the selection with Three Stars.

The excitement continued with Enclos in Sonoma entering the selection with Two Stars and and Kiln in San Francisco being promoted from One Star to Two Stars. The 2025 selection also welcomed five new One Starred restaurants bringing the state’s total to 65. Additionally, two new MICHELIN Green Stars were awarded to Enclos and Sons & Daughters in San Francisco for their efforts in sustainable gastronomy. The full selection, including Bib Gourmands and recommended restaurants, totals 548 eateries spanning 55 cuisine types.

“Tonight marked a momentous evening for California and its culinary community,” said Gwendal Poullennec, International Director of the MICHELIN Guide. “Our anonymous Inspectors discovered extraordinary culinary gems to highlight in this year’s selection, including two new Three Star restaurants, Providence and Somni. Congratulations to all of the chefs and restaurant teams awarded tonight. We are proud to welcome you all into the MICHELIN Guide family.”

Here are the new MICHELIN Star restaurants, with Inspector notes from each (Inspectors’ comments in full on the MICHELIN Guide website and mobile app):

Three MICHELIN Stars

Providence (Hollywood; Seafood cuisine)

As has been the case since opening in 2005, purity and precision are the underpinnings of Chef Michael Cimarusti’s California cooking; and his cuisine has grown even more impressive over the years. The tasting menu blends classic technique with a modern sensibility, global inspiration, and sources the freshest and most sustainable seafood, often wild-caught from American waters. At no point during the meal will you doubt its impeccable quality, especially while savoring dishes such as a tart of lobster mousse and box crab set in a crab beurre blanc, or roasted monkfish with cauliflower and shaved black truffles. Longstanding signatures like the soft-poached egg with uni and breadcrumbs or salt-roasted Santa Barbara spot prawns make for luxurious add-ons.

Somni (West Hollywood; Contemporary cuisine)

Chef Aitor Zabala and his dedicated team have awakened Somni, or “dream” from a long sleep and have fashioned this revamped iteration as a distinctly personal and unique dining experience. Tucked away just off Santa Monica Ave., the dining room’s soothing, creamy palette with light wood and glass is marked by a colorful bull’s head from the original spot, hinting at the Spanish-inflected cuisine. A procession of small bites is meticulously arranged and endlessly creative, sating diners with an abundance of rich flavors and textural interplay (think mussel escabeche, gazpacho, or the iconic shiso tartare tempura). All the while, the kitchen and service teams are in lockstep as they create and serve these arresting dishes.

Two MICHELIN Stars

Enclos (Sonoma; Contemporary cuisine)

Concealed inside an 1880 Victorian on the Stone Edge Farm Winery property, once inside this glittering workshop, guests enter a rarified realm. An opulent tasting menu marries global flavors, refined technique, and exceptional ingredients, including produce sourced from their two farms, all shot through with subtle nods to Chef Brian Limoges’s New England roots. Take, for example, a clever “lobster roll” croustade made up of spiny lobster tartare in a crisp shell, or a clam chawanmushi that subtly evokes the flavor of chowder. The fireworks continue through to dessert, where a breathtaking sorrel ice cream is decorated with edible leaves flavored with makrut lime and pomegranate. All the while, diners will find the staff effortlessly charming, making the experience all the more magical.

Kiln (San Francisco; Contemporary cuisine)

Industry veterans Chef John Wesley and general manager Julianna Yang have combined their talents at Kiln, where the warehouse space is warmed by personable service and the kitchen delivers artful creations. The tasting menu leans Nordic, highlighting preservation techniques like curing, drying and fermentation in dishes whose simplicity is belied by intricate techniques and compelling flavor combinations. The creative energy is consistent throughout the meal, offering plenty to impress guests. Opening snacks like a crispy curlicue of puffed beef tendon captures this ethos, while others, like a squab breast lacquered with burnt honey and served with a truffled jus, display a classical bent.

One MICHELIN Star

Lilo (Carlsbad; Californian cuisine)

Good things often come in small packages, and it’s certainly true of Lilo, where guests are welcomed to a moveable feast beginning on the heated patio with an array of small bites before moving into the petite dining room. Chef Eric Bost and his team take clear pride in providing an extra level of care in their dishes, evidenced in plates like dry-aged Japanese kinmedai paired with a ragout of geoduck and bone marrow or 40-day dry-aged beef ribeye with preserved gurumelo mushrooms, seaweed, and bordelaise. Halfway through, the dishes shift from savory to sweet for a one-off orgeat ice cream topped with celery root bushi and Ossetra cavia, and later concludes with a myriad of desserts like sweet cream gelato topped with hoja santa and finger lime.

Mori Nozomi (Los Angeles; Sushi/Japanese cuisine)

Chef Nozomi Mori’s sushi counter stands apart from the pack, both for its excellent sushi and for its hospitable staff in the front and back of house. Plan in advance to visit this special spot, where there are just eight seats at the wood counter. While the fish is flown in several times a week from Japan, local, seasonal produce is worked into nearly every dish. Even the smallest details matter here, as evidenced by the Japanese ice imported for use in their five-course tea pairing. Begin with a number of dishes, like chawanmushi with gingko nuts, before enjoying the well-executed nigiri. Mochi accompanied by matcha prepared by the chef herself is an elegant final act.

Restaurant Ki (Los Angelese; Korean Contemporary cuisine)

You’ll need to read the instructions sent ahead of time to find the entrance to Chef Ki Kim’s restaurant, but any navigation woes are quickly put to rest once you’re inside this ten-seat spot. The contemporary Korean tasting menu pulls in global influences, and meals begin with a few bites such as shirako gimbap, a shell filled with truffle rice and diced kimchi, or crispy, tender octopus in a creamy sauce with octopus head and gochujang. Charred sugar snap peas with stillhead trout roe and tuna or creamy pasta made with perilla seed and topped with fresh winter truffle display a creative flair. Main dishes include the likes of barbecue roasted squab with foie gras sauce, and 45-day dry- aged dairy cow with golden beet jus and Korean bone broth. A mushroom ice cream sandwich seals the deal. 

Silvers Omakase (Santa Barbara; Sushi/Japanese cuisine)

With just a handful of seats and a small staff, this omakase from Chef Lennon Silvers Lee is ever-changing. Some things change daily, while others change weekly, but one thing you can always expect is well-executed dishes made with rice from Japan that is milled in house, and fish that is sourced both locally and from Japan and then dry aged. Arrive early and enjoy a glass of sparkling wine before being called in, as all guests are seated and served at the same time. Enjoy one or two small dishes before a parade of nigiri, which may include hamachi, shima aji, as well as bluefin tuna. Their uni rice is deliciously mixed with wasabi and topped with masago arare for a bit of crunch, marking the end of the savory dishes before a dessert of sorbet made in house.

Sun Moon Studio (Oakland; Californian cuisine)

A slightly clandestine air still prevails outside this inconspicuous little spot, but the secret is out: the handful of seats inside are hotly in demand. Chefs Alan Hsu and Sarah Cooper have both worked in some of the country’s most celebrated kitchens, but here channel their talents on a more intimate scale. Their shared vision emerges in a mercurial seasonal tasting menu that dutifully celebrates the wealth of Californian ingredients, spanning squab to rockfish and wild mushrooms to citrus. The style is pared down and technically precise, letting products shine while adding a spark of personality, as in Dungeness crab with yuzu kosho butter, perched over silken tofu. Baked items like savory egg tarts with salmon roe, or steamed brioche buns enclosing Taiwanese sausage, are highlights.

MICHELIN Green Star

Enclos (Sonoma; Contemporary cuisine)

Initiatives: locally sourced organic produce via nearby culinary gardens; sustainable/regenerative practices in garden; carbon negative and energy independent operations; fallen trees repurposed into chopsticks and serving trays; waste is minimized through preservation and fermentation.

Sons & Daughters (San Francisco; Contemporary cuisine)

Initiatives: food sourced through local eco-conscious farmers, fisherman and ranchers; in-house dairy program resulting in their own butter, creme fraiche, fresh cheese and yogurt; source aprons, plates and woodwork from local ceramicists and artisans.

Bib Gourmand

The MICHELIN Guide Inspectors gave 123 restaurants the Bib Gourmand distinction, which recognizes eateries for great food at a great value. The full list can be found below.

California’s 2025 Bib Gourmand restaurants

MICHELIN Special Awards

In addition to the Bib Gourmands and Stars, the Guide announced four Special Awards:

The MICHELIN Guide Ceremony is presented with the support of Capital One.

Hotels

The restaurants join the MICHELIN Guide selection of hotels, which features the most unique and exciting places to stay in California and throughout the world.

Each hotel in the selection has been chosen by MICHELIN Guide experts for its extraordinary style, service and personality — with options for all budgets — and each can be booked directly through the MICHELIN Guide website and app. The selection for California features the state’s most spectacular hotels, including Canyon Ranch Woodside (three MICHELIN Keys) nestled among giant redwoods on the San Francisco Peninsula, the Bernadus Lodge & Spa (two MICHELIN Keys) located in Carmel Valley and home to its own vineyard, or the Georgian (one MICHELIN Key), a rare piece of Old Hollywood glamour in modern Santa Monica.

The MICHELIN Guide is a benchmark in gastronomy. Now it’s setting a new standard for hotels. Visit the MICHELIN Guide website, or download the free app for iOS and Android, to discover every restaurant in the selection and book an unforgettable hotel.

The 2025 MICHELIN Guide California selection:

California’s 2025 MICHELIN-Green-Starred restaurants

California’s 2025 MICHELIN-Starred restaurants

The MICHELIN Guide in North America

Michelin announced its first North American Guide in 2005 for New York. Guides have also been added in Chicago (2011); Washington, D.C. (2017); California (San Francisco in 2007, statewide 2019); Florida (Greater Miami, Orlando and Tampa in 2022, adding Greater Fort Lauderdale, The Palm Beaches and St. Pete-Clearwater in 2025, statewide in 2026); Toronto (2022); Vancouver (2022); Colorado (2023); Atlanta (2023), Mexico (2024), Texas (2024), Québec (2024), the American South (2025), Boston (2025) and Philadelphia (2025).

 

About the MICHELIN Guide

Recognized globally for excellence and quality, the MICHELIN Guide offers a selection of world-class restaurants.

• The famous one, two and three MICHELIN Stars identify establishments serving exceptional cuisine that’s rich in flavor, remarkably executed and infused with the personality of a talented chef.

• The Bib Gourmand is a designation given to select restaurants that offer good quality food for a good value – often known as personal favorites among the Inspectors when dining on their own time.
• The MICHELIN Green Star honors restaurants that are pioneers in sustainable
• Recommended restaurants and special professional awards are also highlighted by the MICHELIN Guide

 

The MICHELIN Guide remains a reliable companion for any traveler seeking an unforgettable meal and hospitality experience. The Guide was first published in France at the turn of the 20th century to encourage the development of car mobility as well as tire sales by giving practical advice to motorists. Progressively, the Guide has specialized in restaurant and hotel recommendations. Michelin’s Inspectors still use the same criteria and manner of selection that were used by the Inspectors in the very beginning.

The restaurant selections join the MICHELIN Guide selection of hotels, which features the most unique and exciting places to stay around the world. Visit the MICHELIN Guide website, or download the free app for iOS and Android, to discover every restaurant in the selection and book an amazing hotel.

Thanks to the rigorous MICHELIN Guide selection process that is applied independently and consistently in more than 50 destinations, the MICHELIN Guide has become an international benchmark in fine dining.

All restaurants in the Guide are recommended by Michelin’s anonymous Inspectors, who are trained to apply the same time-tested methods used by Michelin Inspectors for many decades throughout the world. This ensures a uniform, international standard of excellence. As a further guarantee of complete objectivity, Michelin Inspectors pay all their bills in full, and only the quality of the cuisine is evaluated.

To fully assess the quality of a restaurant, the Inspectors apply five criteria defined by Michelin: product quality; mastery of cooking techniques; harmony of flavors; the personality of the chef as reflected in the cuisine; and consistency over time and across the entire menu. These criteria guarantee a consistent and fair selection so a Starred restaurant has the same value regardless of whether it is in Paris, New York or anywhere else in the world.

 

About Michelin North America, Inc.

Michelin is building a world-leading manufacturer of life-changing composites and experiences. Pioneering engineered materials for more than 130 years, Michelin is uniquely positioned to make decisive contributions to human progress and to a more sustainable world.

Drawing on its deep know-how in polymer composites, Michelin is constantly innovating to manufacture high- quality tires and components for critical applications in demanding fields as varied as mobility, construction, aeronautics, low-carbon energies and healthcare.

The care placed in its products and deep customer knowledge inspire Michelin to offer the finest experiences. This spans from providing data- and AI-based connected solutions for professional fleets to recommending outstanding restaurants and hotels curated by the MICHELIN Guide.

Headquartered in Greenville, S.C., Michelin North America, Inc. has approximately 23,500 employees and operates 36 production facilities in the United States (michelinman.com) and Canada (michelin.ca).

 

About Capital One

At Capital One we’re on a mission for our customers – bringing them best-in-class products, rewards, service, and experiences. Capital One is a diversified bank that offers products and services to individuals, small businesses and commercial clients. We use technology, innovation, and interaction to provide consumers with products and services to meet their needs. Through Capital One Dining and Capital One Entertainment, we provide our rewards cardholders with access to unforgettable experiences in the areas they’re passionate about, including dining, music and sports. Learn more at capitalone.com/dining and capitalone.com/entertainment.

For more information, contact:

Carly Grieff
Michelin North America
carly.grieff@michelin.com

New York, NY – June 20, 2025 – Following a challenge by GuruNanda, LLC, BBB National Programs’ National Advertising Division determined that The Procter & Gamble Company (P&G) provided a reasonable basis for all challenged claims made for its Crest Pro-Health Gum Detoxify toothpaste.

GuruNanda, a competitor in the oral care industry, challenged express and implied claims for Crest’s Pro-Health Gum Detoxify toothpaste appearing on the product label, on the Crest website, and on third-party product pages, including Amazon and Walgreens.

“Gum Detoxify”

GuruNanda argued that the “Gum Detoxify” product name is understood by consumers to mean the toothpaste will remove all toxins and harmful substances from gums, including tobacco, heavy metals, PFAS, inflammatory chemicals, as well as broader detoxification throughout the mouth and body.

The National Advertising Division (NAD) concluded that, in context, the “Gum Detoxify” claim is qualified by the claim “neutralizes plaque bacteria, even around the gumline, for 24 hours,” which narrows the claim meaning to communicate that the detoxification benefit relates specifically to plaque and gingivitis.

NAD found that P&G’s competent and reliable scientific evidence supported a finding that the stannous fluoride ingredient in Crest Gum Detoxify neutralizes plaque acid, binds toxins to make them ineffective, and kills plaque bacteria.

Therefore, NAD determined that P&G provided a reasonable basis for the “Gum Detoxify” name.

“Neutralizes Plaque Bacteria…” Claim

NAD determined that the term “neutralizes” in the challenged claim “Neutralizes Plaque Bacteria, Even Around The Gumline, For Up To 24 Hours (With Twice A Day Brushing),” is not an absolute claim that 100% of plaque bacteria will be made entirely ineffective by brushing with Crest Gum Detoxify.

After reviewing P&G’s evidence demonstrating a measurable overall plaque bacteria benefit, NAD concluded that the body of evidence provided a reasonable basis for the challenged claim.

ADA Seal

GuruNanda also challenged P&G’s use of the ADA Seal that appears on the front of Crest Gum Detoxify packaging and also argued that it is not compliant with the ADA seal artwork display standards.

NAD determined that the “ADA Accepted” seal is properly displayed and does not imply that the product is ADA Approved for the claimed detoxification and bacteria neutralization benefits.

In its advertiser statement, P&G stated they are “pleased by the NAD’s conclusion.”

All BBB National Programs case decision summaries can be found in the case decision library. For the full text of NAD, NARB, and CARU decisions, subscribe to the online archive. Per NAD/NARB Procedures, this release may not be used for advertising or promotional purposes.

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About BBB National Programs: BBB National Programs, a non-profit organization, is the home of U.S. independent industry self-regulation, currently operating more than 20 globally recognized programs that have been helping enhance consumer trust in business for more than 50 years. These programs provide third-party accountability and dispute resolution services that address existing and emerging industry issues, promote fair competition for businesses, and a better experience for consumers. BBB National Programs continues to evolve its work and grow its impact by providing business guidance and fostering best practices in arenas such as advertising, child-and-teen-directed marketing, data privacy, dispute resolution, automobile warranty, technology, and emerging areas. To learn more, visit bbbprograms.org.

About the National Advertising Division: The National Advertising Division of BBB National Programs provides independent self-regulation and dispute resolution services, guiding the truthfulness of advertising across the U.S. The National Advertising Division reviews national advertising in all media and its decisions set consistent standards for advertising truth and accuracy, delivering meaningful protection to consumers and promoting fair competition for business.

New York, NY – June 18, 2025 – Following a challenge brought by T-Mobile US, Inc., BBB National Programs’ National Advertising Division found certain claims related to Verizon’s Communications Inc.’s Satellite Texting services supported but recommended that Verizon modify disclosures for other Satellite Texting service and “largest network” advertising.

The National Advertising Division (NAD) reviewed express claims made by Verizon, including that it is “conquering dead zones with satellite” and that it operates “America’s largest network.”

Satellite Claims

NAD found that the challenged claims “VERIZON Satellite Powered” and “Verizon is conquering dead zones with satellite,” do not convey the message that only Verizon has this functionality or that competitors do not.

NAD next examined whether there was support for Verizon’s monadic claims. NAD found that the Verizon/AST SpaceMobile partnership, which is only in testing stages, could not support the challenged claims. NAD noted that although the Globalstar and Skylo partnerships were not on Verizon’s network, the precise details of how satellite texting is achieved (including whether this is done through Verizon’s own network or otherwise) is likely immaterial to consumers.

NAD also found the disclosure that appeared in the discontinued Buzz Aldren commercial, stating “Satellite connectivity requires select new model phones with updated software. Must be outside w/line of sight to satellite; might not work in parts of Alaska,” did not clearly and conspicuously disclose that only newer phone models with updated software will be able to access this service.

NAD therefore concluded that Verizon has provided a reasonable basis for the claims “VERIZON Satellite Powered” and “Verizon is conquering dead zones with satellite,” but recommended that in future advertising, Verizon ensure that any accompanying disclosures describing the availability of the satellite texting features be clear and conspicuous.

“Largest Network” Claims

T-Mobile challenged Verizon’s “America’s largest network” claim that included the disclosure, “‘Largest network’ based on total postpaid phone connections publicly reported by Verizon, T-Mobile, and AT&T, Q3 ’24.”, arguing that in the telecom industry, “largest network” typically refers to geographic coverage or population reach, not subscriber numbers.

NAD found the phrase “largest network” to be ambiguous, potentially conveying different messages to consumers. NAD also determined that the term “postpaid phone connections” may not clearly communicate that it refers to Verizon subscribers.

NAD therefore concluded that the challenged claims could be substantiated when properly qualified with an appropriate disclosure, but that Verizon’s disclosure was not clear or conspicuous due to the use of the term “postpaid phone connections.” NAD recommended that Verizon modify its disclosure to make clear what “postpaid phone connections” references.

During the inquiry, Verizon informed NAD that it had permanently discontinued the challenged implied claims relating to satellite-supported texting and its wireless network. Except where it relates to overlap with express claims, NAD did not review the discontinued claims on their merits and will treat the claims, for compliance purposes, as though NAD recommended they be discontinued.

In its advertiser’s statement, Verizon stated that it “will comply with NAD’s recommendations.”

All BBB National Programs case decision summaries can be found in the case decision library. For the full text of NAD, NARB, and CARU decisions, subscribe to the online archive. Per NAD/NARB Procedures, this release may not be used for promotional purposes.

About BBB National Programs: BBB National Programs, a non-profit organization, is the home of U.S. independent industry self-regulation, currently operating more than 20 globally recognized programs that have been helping enhance consumer trust in business for more than 50 years. These programs provide third-party accountability and dispute resolution services that address existing and emerging industry issues, create fair competition for businesses, and a better experience for consumers. BBB National Programs continues to evolve its work and grow its impact by providing business guidance and fostering best practices in arenas such as advertising, child-and-teen-directed marketing, data privacy, dispute resolution, automobile warranty, technology, and emerging areas. To learn more, visit bbbprograms.org.

About the National Advertising Division: The National Advertising Division (NAD) of BBB National Programs provides independent self-regulation and dispute resolution services, guiding the truthfulness of advertising across the U.S. NAD reviews national advertising in all media and its decisions set consistent standards for advertising truth and accuracy, delivering meaningful protection to consumers and create fair competition for business.

Harvey customers will benefit from LexisNexis generative AI technology and exclusive legal content including U.S. case law, statutes, and Shepard’s^® Citations and jointly developed legal workflows

NEW YORK and SAN FRANCISCO, June 18, 2025 – LexisNexis^® Legal & Professional and Harvey today announced a strategic alliance to integrate LexisNexis generative AI technology, primary law content, and Shepard’s^® Citations within the Harvey platform and jointly develop advanced legal workflows. The alliance combines LexisNexis AI technology and industry-leading content for high-quality and verifiable legal answers, with the AI transformation users expect in Harvey, unlocking a powerful new experience for Harvey customers.

Within Harvey, customers can ask LexisNexis Protégé to receive comprehensive, trusted AI answers grounded in the LexisNexis collection of U.S. case law and statutes, validated through Shepard’s^® Citations. Harvey users can ask complex legal questions in natural language and receive citation-supported answers from primary sources of law, refine their queries through follow-up questions, and seamlessly continue their research. Answers are generated using LexisNexis fine-tuned models within a proprietary infrastructure that anchors responses in legal content, metadata, and case law relationships, powered by Shepard’s^® Knowledge Graph and Point of Law Graph technology.

Harvey and LexisNexis will also develop sophisticated legal workflows built on the latest generative AI technology. These co-developed workflows will initially include:

• Motion to Dismiss Workflow: Generates high-quality Motion to Dismiss arguments and related client communications with legal research content from LexisNexis
• Motion for Summary Judgment Workflow: Automates key steps in drafting a Motion for Summary Judgment with supporting legal research content from LexisNexis

“Our customers trust LexisNexis for authoritative legal content, and we’re excited that they will benefit from LexisNexis capabilities within the Harvey experience,” said Winston Weinberg, CEO of Harvey. “Together, we’re delivering seamless access to reliable, citation-backed answers and custom workflows, making legal work faster and easier than ever.”

“Our strategic alliance with Harvey reflects our commitment to deliver the highest-quality answers and make legal work easier and more efficient,” said Sean Fitzpatrick, CEO, LexisNexis North America, UK, and Ireland. “We’re delighted to co-develop workflows with Harvey and bring the power of LexisNexis AI technology and authoritative legal content directly to Harvey customers.”

LexisNexis legal technology and content will be integrated in Harvey later this year. The development of collaborative Motion to Dismiss and Motion for Summary Judgments workflows will begin immediately.

For more information on the latest AI solutions and offerings from Harvey, visit www.harvey.ai.
For more information on the latest AI-powered offerings from LexisNexis, visit www.lexisnexis.com/ai.

About Harvey
Harvey is domain-specific AI for legal and professional services. Our products streamline workflows in areas including contract analysis, due diligence, compliance, and litigation to drive efficiency and value. Global law firms and Fortune 500 enterprises around the world use Harvey to enable faster, smarter decision-making. Backed by world-class investors including Sequoia, Kleiner Perkins, GV, OpenAI Startup Fund, and Coatue, Harvey is used by 335+ customers in 45+ countries.

About LexisNexis Legal & Professional
LexisNexis^® Legal & Professional provides legal, regulatory, and business information and analytics that help customers increase their productivity, improve decision-making, achieve better outcomes, and advance the rule of law around the world. As a digital pioneer, the company was the first to bring legal and business information online with its Lexis^® and Nexis^® services. LexisNexis Legal & Professional, which serves customers in more than 150 countries with 11,800 employees worldwide, is part of RELX, a global provider of information-based analytics and decision tools for professional and business customers.