Jackiw-Teitelboim gravity with end-of-the-world (EoW) branes has been used to study the black hole information problem. In this talk, I consider dynamical EoW branes by summing over loops of branes in the Euclidean path integral. The UV divergences that arise are treated in the context of effective field theory. The EoW branes make a contribution to the black hole entropy that is consistent with a state-counting interpretation of the entropy. I will also discuss how the effective field theory logic is mirrored in the dual matrix model.