Business of Fintech, Member Exclusive, Policies & Playbooks

The antitrust question is moving up the stack: What California’s new push and NVIDIA’s retreat mean for finance

  • California lawmakers are weighing whether antitrust law needs to draw a clearer line between growing an ecosystem and using market power to shape it.
  • Antitrust is now becoming a front-end strategy issue for financial services, not a back-end legal concern.
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The antitrust question is moving up the stack: What California’s new push and NVIDIA’s retreat mean for finance

California-based NVIDIA recently paused parts of its AI Compute Partnership Program, a financing initiative that helped smaller AI cloud companies buy NVIDIA chips and build data centers. The program addressed a key problem where these companies need billions of dollars in infrastructure before they have enough customers to easily secure traditional financing.

NVIDIA could provide financing support, share in the revenue those customers generated, and potentially take back unused computing capacity. Commercially, it made sense. But NVIDIA was also the chip supplier, financier, and potential revenue partner. The question is how much of the AI financing infrastructure NVIDIA itself should control. Some employees reportedly warned customers that the structure could invite antitrust scrutiny, while prospective partners objected to restrictions on how they could use their computing capacity. NVIDIA has since paused some of those deals, although its broader effort to finance AI infrastructure remains active.

The firm has been moving toward a broader institutional-capital model, joining Apollo, BlackRock, Blackstone, Brookfield, Goldman Sachs, and KKR in an initiative aimed at mobilizing more than $500 billion of third-party capital for AI infrastructure.

What happened with NVIDIA points to a much bigger question about how market power works in increasingly interconnected industries. At what point does helping an ecosystem grow become using your position to shape how that ecosystem works? California lawmakers are now considering whether their antitrust law needs to be better equipped to ask that question.

First, what is AB 1776?

Assembly Bill 1776, known as the COMPETE Act, is a proposed California law that would expand the state’s antitrust framework, the Cartwright Act.

California’s antitrust law has traditionally focused on coordination between companies, such as competitors agreeing to fix prices or divide markets. AB 1776 would broaden the law to reach certain single-firm conduct.

In practice, that means looking more closely at what powerful companies do with the market position they already have. Think of a bank owning the customer relationship while competing with the fintechs it distributes, or NVIDIA financing the cloud providers that buy NVIDIA’s chips.


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