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Ohio reading scores rise. Is the science of reading working?

This story was originally published by The 74. Ohio students’ reading scores rose slightly last school year, the first the science of reading was mandated, but it’s too soon to say whether the phonics-based lessons are making a difference. About 63 percent of Ohio third graders — the grade educators have long considered the most […]

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Oct 7 • 3:50 AM EDT • Science • ohiocapitaljournal.com
New science program off to a successful start at Spring City library

SPRING CITY — Audrey Pack Memorial Library debuted a new science program for homeschool students last month.

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Oct 7 • 12:00 AM EDT • Science • rheaheraldnews.com
Foundation provides $1.3 million for scholarships to Kansas Health Science University

Riverside Health Foundation is providing the gift to help more students pursue their dreams of higher education.

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Oct 6 • 11:13 PM EDT • Science • kwch.com
Foundation provides $1.3 million for scholarships to Kansas Health Science University

Riverside Health Foundation is providing the gift to help more students pursue their dreams of higher education.

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Oct 6 • 11:13 PM EDT • Health • kwch.com
Justin Garza High School students bring mental health project to statewide NAMI conference

A group of students from Justin Garza High School is taking its message of mental health awareness to a statewide audience this week.

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Oct 6 • 8:32 PM EDT • Health • abc30.com
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TSU students return to Science Building, report persistent mold smells and safety concerns

Students at Texas Southern University were allowed back inside the Science Building after mold, condensation, and air quality issues forced the facility to shut down for nearly two months.

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Oct 6 • 8:08 PM EDT • Science • fox26houston.com
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TSU Science Building reopens amid mold concerns

Texas Southern University has reopened its science building after mold issues, but students voice ongoing concerns about air quality and health risks. FOX 26's Sakura Gray has the latest.

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Oct 6 • 8:06 PM EDT • Science • fox26houston.com
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Beauty, baking and the hidden science all around us

A graduate student explains how cosmetic chemistry helped students who didn't see themselves as "science people" discover that research was already part of their everyday lives.

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Oct 6 • 8:00 PM EDT • Science • asbmb.org
Central Florida students ‘scout’ out coveted nuclear science merit bad

With the help of dedicated Airmen from the Air Force Technical Applications Center here, 89 inspired scouts from across Central Florida traveled to Patrick SFB Sept. 19 to earn the coveted Nuclear

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Oct 6 • 8:00 PM EDT • Science • 16af.af.mil
UC College of Nursing Women's Health Nurse Practitioner program strengthens congenital syphilis education

University of Cincinnati Women's Health Nurse Practitioner students are gaining evidence-based education on screening, diagnosis and treatment of syphilis during pregnancy through a national multisite initiative.

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Oct 6 • 8:00 PM EDT • Health • uc.edu
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‘Going to do everything we can’: Wyden visits Portland school to talk mental health in wake of hazmat incident at Benson

PORTLAND, Ore. (KOIN) — Senator Ron Wyden spoke with students at Portland’s McDaniel High School Tuesday to hear ideas for how Congress can improve youth mental health. Ron Wyden speaks on me…

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Oct 6 • 7:39 PM EDT • Health • koin.com
More than 1,000 students explore STEM careers through hands-on experiments at Science Museum

More than 1,000 seventh graders are testing robotics, electricity and virtual reality at Science Museum Oklahoma's Innovation Week.

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Oct 6 • 7:15 PM EDT • Science • koco.com
Jon Rosenthal outraises Bo French in race for railroad commission

After Republican Bo French disparaged the racial makeup of students at a UT football game, Democrat Jon Rosenthal received an influx of donations from nearly all 50 states.

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Oct 6 • 5:55 PM EDT • Politics • dallasnews.com
Quinnipiac booth warns students about mental health impact of gambling

HAMDEN, Conn. (WTNH) — Quinnipiac University put a spotlight on the mental health impacts of gambling and sports betting at Fresh Check Day on Tuesday. In partnership with Connecticut Childre…

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Oct 6 • 5:26 PM EDT • Health • wtnh.com
Elizabethton High School Health Academy expands as student interest grows

At 16 years old, Aubri Cline is already doing things she once thought would have to wait until college.

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Oct 6 • 4:27 PM EDT • Health • wcyb.com
TROY College of Science and Engineering students create Dean's Student Advisory Council

Students within the College of Science and Engineering now have the opportunity to make a lasting impact on college initiatives, improvements and student experiences thanks to the creation of the Dean’s Student Advisory Council.

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Oct 6 • 4:21 PM EDT • Science • today.troy.edu
The Guardian view on the French school protests: the political class needs to heed the voice of students

Editorial: A generation facing unprecedented challenges deserves better than an underfunded education system

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Oct 6 • 2:31 PM EDT • Politics • theguardian.com
Former U.S. Rep. Susan Wild Brings Public Policy Focus to Lehigh’s College of Health

Drawing on decades in law and public service, Wild offers Lehigh students firsthand perspectives on how policy takes shape.

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Oct 6 • 2:01 PM EDT • Health • news.lehigh.edu
Students Use Forensic Science Skills in Escape Room

Hundreds of students from across the region put their problem-solving skills to the test this week during the Regional Science Consortium’s annual Forensic Science Escape Room. Elementary school students had just a few hours to figure out how someone died as part of a forensic science escape room activity. The Regional Science Consortium partnered with Mercyhurst University for the 10th year of the event, which is taking place at the Tom Ridge Environmental Center. It began Monday and runs through Thursday.Throughout the week, more than 250 students are working to solve murder mysteries using real forensic science techniques. Students must analyze the evidence, piece together clues and solve the crime before time runs out.Organizers said the event gives students interested in pursuing forensic science in college a firsthand look at what a career in the field could entail.Sarah Skelton, Special Gifts Coordinator at Iroquois, said the activity provides students with an opportunity to develop skills that can sometimes be difficult to practice in a traditional classroom. "It really helps them to work in teams and on critical thinking skills. Which, not that they don't get these opportunities, but it's hard sometimes in the classroom to develop those higher-level thinking skills”, said Skelton.Students also get a chance to learn how forensic science is used in real-life investigations. As Skelton explained, "What are the real-life applications? What would you actually see in a crime scene? How would you handle these types of forensic investigations? So it's really cool our kids get to see what opportunities are out there and possibly a career field one day."The popular event has grown over the years, with some students returning year after year. Organizers said watching those students grow and develop their interests is one of the highlights of the program.Jeanette Schnars, the Executive Director of the Regional Science Consortium said it's rewarding to see how students' interests evolve as they get older. According to Schnars, "How they have grown and matured and where their interests are going and maybe they aren't going into forensics, but if they are going into sciences or different disciplines, so it's really fulfilling to see how they have matured."One student who continues to enjoy the event is sixth-grader Mia Harvey of Iroquois. Harvey hopes to pursue a career in medicine and says the forensic science activities are helping her explore her interests, "One day I want to become a neurologist, and learning about the bones is probably going to help me."Harvey said her favorite part of the event is the real-life application of what she's learning. "While you are trying to find the clues, they teach real stuff that you would need to know”, said Harvey.Event organizers said if students are learning while having fun, then the program is accomplishing its goal. "Not only are they learning the science, but they are having fun with it too”, said Schnars.Adults will also have a chance to take part in the experience this Saturday during an adult version of the escape room, which will feature food, drinks and entertainment. For more information, click here.The Forensic Science Escape Room has become one of the Regional Science Consortium’s most popular events, with teachers signing up their students as soon as registration opens in August.

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Oct 6 • 10:34 AM EDT • Science • erienewsnow.com
Surface Edge taps new business development director

Surface Edge names Isaac McCoy director of business development to expand multifamily, senior living and student housing in Texas.

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Oct 6 • 10:26 AM EDT • Business • fcnews.net
URI astrophysics student earns coveted Association for Computing Machinery’s SIGHPC fellowship

KINGSTON, R.I. – Oct. 6, 2026 – Ever since she was young, Genevieve Payne has always had a deep interest in nature and understanding hidden systems and patterns within it, hoping to one day study some of the universe’s most extreme and least-understood phenomena. This interest developed into a focus on gravitational wave and high-energy […]

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Oct 6 • 10:19 AM EDT • Science • uri.edu
Healthy eating habits to support student success

Simple nutrition tips can help college students build healthy eating habits, maintain energy and support focus throughout the day.

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Oct 6 • 8:00 AM EDT • Health • news.etsu.edu
John Beam made a difference. The Chronicle wants to hear about Bay Area coaches who helped you

For the John Beam Community Action Award, we want to hear from readers about the local coaches who have made a lasting impact on the lives of student-athletes and communities.

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Oct 6 • 8:00 AM EDT • Sports • sports.yahoo.com
Letter: Utah schools need dedicated funding for student mental health

Letter: Utah schools need dedicated funding for student mental health

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Oct 6 • 8:00 AM EDT • Health • sltrib.com
On the barricades with wheelie bins and shopping trolleys: Paris students rage at politicians and police

Unprecedented protests that began in low-income banlieue are turning ugly, with investigations under way into police brutality

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Oct 6 • 7:28 AM EDT • Politics • theguardian.com
France student protests roil politics ahead of elections

Analysts expect unrest to intensify after a teenager’s hand was blown off by a riot police sting grenade.

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Oct 6 • 6:54 AM EDT • Politics • semafor.com
Cramming for exams? Five science-backed ways to study better

Rereading and highlighting aren't enough for long-term learning. Experts share science-backed strategies to help students study smarter.

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Oct 6 • 6:00 AM EDT • Science • latimes.com
From finance to science Orlando teacher finds her passion

Orlando instructor has reaching students down to a science

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Oct 6 • 5:00 AM EDT • Science • mynews13.com
Penn State College Of Health & Human Development Launches New Public Health Major

The new major will prepare students for global health challenges, preventative measures, and more.

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Oct 6 • 4:01 AM EDT • Health • onwardstate.com
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Attorney for accused Cornell University student speaks out
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Oct 6 • 12:10 AM EDT • Politics • cnn.com
'You don't have to do this alone': Gettysburg Area schools expand peer support for mental health

Gettysburg schools are expanding mental health support with new social workers and student-led programs funded in part by state money.

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Oct 5 • 7:22 PM EDT • Health • wgal.com
UIndy students get up-close look at politics
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Oct 5 • 6:44 PM EDT • Politics • wthr.com
CAPS group counseling can help bolster student well-being and mental health

Emory’s counseling services offer a range of options to address the needs of students, including group counseling sessions that can help participants better understand themselves and others, cope with grief over the loss of a loved one, and more.

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Oct 5 • 6:00 PM EDT • Health • news.emory.edu
Teaching students scientific-storytelling skills to inspire change

The senior capstone course ESCI 191 equips environmental-science majors with digital-storytelling skills to translate complex climate data into compelling narratives to immerse and engage the public.

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Oct 5 • 4:37 PM EDT • Science • news.ucsc.edu
Science Teacher Arrested, Accused of Dragging 7th Grader 20 Feet by the Arm

A Florida middle school teacher was arrested after school surveillance video allegedly showed her pulling a student out of a classroom by the arm. Fada Concepcion, a seventh-grade science teacher at T...

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Oct 5 • 4:31 PM EDT • Science • yahoo.com
CMS student among top 30 finalists nationwide in science competition

Isabella Garry is being honored for a project exploring whether natural materials can remove microplastics from simulated stomach fluid.

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Oct 5 • 4:22 PM EDT • Science • eplocalnews.org
KBOCC, NMU sign articulation agreement for business degree program

The Keweenaw Bay Ojibwa Community College and Northern Michigan University have come to a new articulation agreement to allow KBOCC students to continue their business education at NMU.

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Oct 5 • 4:12 PM EDT • Business • uppermichiganssource.com
Goat to Vote: SPC students' try to get young people to the polls

St. Petersburg College students organized a voter registration event to register as many people as possible. The event, aptly named "Goat to Vote," provided treats, free yoga, and two voter-support goats.

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Oct 5 • 4:09 PM EDT • Politics • wusf.org
FSU becomes first college campus to install interactive Hope Booth to support student mental health

Florida State University has become the first college campus in the nation to install a Hope Booth, an innovative resource designed to expand access to

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Oct 5 • 3:52 PM EDT • Health • news.fsu.edu
Enterprise Veteran to Mentor Oregon Consulting Group

Oregon Executive MBA alumnus Todd Grigsby, MBA ’00, has joined the University of Oregon as Professor of Practice and faculty director of the student-run Oregon Consulting Group (OCG) at the Lundquist College of Business.

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Oct 5 • 3:32 PM EDT • Business • business.uoregon.edu
Judge allows student IDs as fallback for NH voters

A federal judge ruled New Hampshire election officials may consider student IDs as voter identity evidence when no other ID is available, despite a law barring ...

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Oct 5 • 3:30 PM EDT • Politics • unionleader.com
CSUN in D.C. Internship Expands Student’s Public Health Career Aspirations

For Josiah Morrow, a three-month internship in Washington, D.C., turned the nation’s capital into a classroom — and helped shape his future in healthcare.

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Oct 5 • 3:28 PM EDT • Health • newsroom.csun.edu
University of New Haven Researchers Advance Health Equity and Health-S

Research focused on health equity and health-system transformation has grown from a 2023 faculty-student project into a broad, collaborative body of scholarship involving students, faculty, health sys

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Oct 5 • 2:30 PM EDT • Health • newhaven.edu
Now Open! APSA Teaching & Learning Conference Awards and Travel Grants | Deadline: November 16, 2026 -

Now Open! Apply for TLC Travel Grants & Awards Michael Brintnall Teaching and Learning Award APSA Award for Teaching Innovation | Travel Grants Deadline: November 16, 2026, 11:59PM ET Join political science teacher-scholars and students [...]

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Oct 5 • 2:00 PM EDT • Science • politicalsciencenow.com
Now Open! APSA Teaching & Learning Conference Awards and Travel Grants | Deadline: November 16, 2026 -

Now Open! Apply for TLC Travel Grants & Awards Michael Brintnall Teaching and Learning Award APSA Award for Teaching Innovation | Travel Grants Deadline: November 16, 2026, 11:59PM ET Join political science teacher-scholars and students [...]

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Oct 5 • 2:00 PM EDT • Politics • politicalsciencenow.com
Nutritional countermeasures to spaceflight studied at URI

KINGSTON, R.I. – Oct. 5, 2026 – As humans spend longer periods of time in outer space and venture further from Earth, it’s increasingly important for scientists to learn how varied gravity levels affect muscle function and muscle loss, and how those effects can be counteracted or minimized. Theodoros Pavlidis, a second-year doctoral student who […]

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Oct 5 • 12:19 PM EDT • Health • uri.edu
Computer science student is a CEO before earning diploma

Marcel Slowikowski (’26 computer science) launched an AI startup this summer, months before he earns his computer science degree.

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Oct 5 • 12:18 PM EDT • Science • news.las.iastate.edu
RSU and USAO partner to create Accelerated Master's Program for computer science students

Rogers State University (RSU) and the University of Science & Arts of Oklahoma (USAO) have partnered together to create an Accelerated Master's Program for comp

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Oct 5 • 12:18 PM EDT • Science • ktul.com
RSU and USAO partner to create Accelerated Master's Program for computer science students

Rogers State University (RSU) and the University of Science & Arts of Oklahoma (USAO) have partnered together to create an Accelerated Master's Program for comp

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Oct 5 • 12:17 PM EDT • Science • fox23.com
Caring for students a priority at Health Center

A primary purpose of the Campbell University Health Center is caring for students, serving as an important resource in regard… More on this post

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Oct 5 • 11:26 AM EDT • Health • news.campbell.edu
Largest gift in Franklin College history to pay for new business and pre-law building

The college plans to build a two-story academic facility featuring a mock courtroom for pre-law students and an investment trading lab aimed at business majors.

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Oct 5 • 11:05 AM EDT • Business • theindianalawyer.com
Inspired By My Love Of STEM, I Collaborated With 22 Teens To Write A Kids Picture Book About Science

Teen STEM student Eliana Miao wrote a picture book about the microbiome and empathy titled "The Brave Fuzzy: A Microbiome Story"

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Oct 5 • 10:00 AM EDT • Science • girltalkhq.com
Collective Ethics in an Autocratic Climate: M. Gessen Discusses the “Politics of the Past and Politics of the Future”

What are our ethical obligations as students living, learning, and creating a politics of the future at Haverford College? We must establish a clear set of ethical principles that we are unwilling …

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Oct 5 • 10:00 AM EDT • Politics • haverfordclerk.com
Supreme Court declines First Amendment case of students forced to remove ‘Let’s Go Brandon’ sweatshirts

The Supreme Court on Monday declined to take up a First Amendment appeal from two middle school students who were ordered to remove sweatshirts emblazoned with the words “Let’s Go Brandon,” steering clear of a case that could have clarified the power schools have to police potentially offense speech in the classroom.

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Oct 5 • 9:47 AM EDT • Politics • cnn.com
Supreme Court passes on 'Let's Go Brandon' student speech case

A middle school said brothers couldn't wear "Let's Go Brandon" sweatshirts to class. They asked the Supreme Court to get involved.

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Oct 5 • 9:32 AM EDT • Politics • usatoday.com
Poole College Broadens Access to Graduate Business Leadership Certificate

Graduate students from any discipline, as well as prospective learners from outside NC State, may now pursue the certificate.

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Oct 5 • 8:00 AM EDT • Business • poole.ncsu.edu
Central Asia's growing commitment to university sport on full display in Tashkent and Samarkand

The 1st Central Asia Student Sports Federations Forum, held from 29 September to 2 October 2026, brought together FISU leadership, FISU Central Asia and national university sports federations from across the region, confirming the growing political and institutional commitment to student sport in Central Asia. National delegations from Uzbekistan, Kazakhstan, Mongolia, Tajikistan and Kyrgyzstan attended […]

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Oct 5 • 5:42 AM EDT • Sports • fisu.net
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1 Pittsburgh school earns top scores for supporting community health

Pittsburgh Phillips K-5 was awarded for supporting the health of its students, staff and families, and other Pittsburgh schools also received honors.

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Oct 5 • 4:49 AM EDT • Health • usatoday.com
Dartmouth High marine science students go fishing for field day

Dartmouth High marine science students head out for their first field day of the year to catch fish off of Apponagansett Point in Padanaram village.

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Oct 5 • 4:00 AM EDT • Science • southcoasttoday.com
Students, politicians gather on Beinecke to protest Trump negotiations

On Friday afternoon, protesters marched to Beinecke Plaza, where they convened with Connecticut politicians, including Sen. Richard Blumenthal LAW ’73, to urge Yale administrators against settling a federal investigation into its admissions practices.

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Oct 5 • 3:20 AM EDT • Politics • yaledailynews.com
Penn State students win award for connecting health and environment through play

A series of games developed by a team of interdisciplinary Penn State students to help children in Iquitos, Peru, learn about the connections between human, animal and environmental health was recognized with a national American Society of Landscape Architects award.

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Oct 5 • 2:33 AM EDT • Health • psu.edu
First-year food science students compete in product development

UNIVERSITY PARK — “Yam Bam” and “Boocha Boost” may not be household food names, but they represent the kind of innovation students in Penn State’s College of Agricultural Sciences are

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Oct 5 • 2:30 AM EDT • Science • meadvilletribune.com
Fire science class in Cripple Creek offers career path

Students can earn certification as firefighters in the fire science class at Cripple Creek & Victor High School, with training at Four Mile.

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Oct 5 • 2:20 AM EDT • Science • gazette.com
A week of politics, preaching and personalities

Students at UW-Whitewater know what they’ll see as they walk across campus. A couple oversized squirrels in the grass, students shuffling from classes and, if you’re lucky, a few spaced out tables handing out fun prizes. But for students, the week of Sept. 28 looked a little different. As the 2026 Wisconsin governor’s race continues...

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Oct 5 • 1:04 AM EDT • Politics • royalpurplenews.com
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DV students win at FBLA National Leadership Conference

Students from Delaware Valley School District won top prizes at Future Business Leaders of America Inc.’s National Leadership Conference. The event, held in San Antonio from June 29 to July 2, attracted more than 16,000 middle school and h…

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Oct 5 • 12:00 AM EDT • Business • thetimes-tribune.com
Ivy Summer in Rome offers five weeks of business courses and culture

For five weeks during the summer, Iowa State business students trade lecture halls in Ames for classrooms in Rome as part of the Ivy Summer in Rome program. Designed for Ivy College of Business students, the program offers four classes that students can choose from. All classes are required for business majors, minors and certificates,...

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Oct 4 • 11:50 PM EDT • Business • iowastatedaily.com
A student guide to mental health resources on campus

Recognition of someone struggling is only the first step of prevention. Whether a student is experiencing a crisis themselves or knows someone who is, Auburn's mental health resources offer several means of support. College is a transitional time in life, and seeking help during those struggles, no matter how big or small, can make a significant impact.

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Oct 4 • 9:25 PM EDT • Health • theplainsman.com
Rogers Center to host Science and Outdoor Career Exploration Night for area students

SHERBURNE — For many curious youngsters, an ideal career is one that can take them outdoors. From 5 to 7 p.m. on Thursday, Oct. 8, the Rogers Environmental Education Center

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Oct 4 • 9:00 PM EDT • Science • romesentinel.com
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Mental health matters: here are campus resources available for students

The first full week of October recognizes Mental Illness Awareness Week, which is from Oct. 4 to Oct. 10. With students back on campus for the fall term, Wayne State

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Oct 4 • 7:30 PM EDT • Health • thesouthend.wayne.edu
Boston 25 News

A local college student’s auto detailing business has grown from helping family and neighbors to servicing the vehicles of professional athletes across New England.

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Oct 4 • 5:18 PM EDT • Business • facebook.com
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Despair over future fuels political anxiety for college students on the cusp of adulthood

Their anxiety is fueling a restlessness with a national political system that they worry is no longer capable of improving their lives or no longer interested in helping.

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Oct 4 • 4:30 PM EDT • Politics • pbs.org
Despair fuels political anxiety for college students

Many college students today are feeling anxious about their future.

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Oct 4 • 3:30 PM EDT • Politics • latimes.com
Diet analysis links higher pulse intake to lower heart disease and diabetes risk

New research from two William & Mary students has found that the risk of heart attack could be significantly lowered with one simple dietary change: increasing the intake of pulses. But what is a pulse? ...

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Oct 4 • 3:00 PM EDT • Health • medicalxpress.com
On Fort Worth’s streets, a UNT Health professor remembers why he chose medicine

Through street medicine, Christopher Rheams cares for people without homes and teaches students to see the person before the patient.

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Oct 4 • 3:00 PM EDT • Health • fortworthreport.org
Science Education Takes the Main Stage at the Fairgrounds Event

The October 10th Celebrate Science event will feature hands-on STEM activities and exhibits. Rick Crosslin, a lifelong STEM educator and scientist in residence for the Wayne Township School System, says he became especially involved in science education in central Indiana after seeing how much interest there was among both students and teachers throughout his career. […]

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Oct 4 • 12:53 PM EDT • Science • wishtv.com
Paly students combine science, compassion in children’s book

A group of Palo Alto High School students recently published a picture book — “The Brave Fuzzy” — that is geared toward getting young children excited for science.

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Oct 4 • 11:48 AM EDT • Science • paloaltoonline.com
Despair over future fuels political anxiety for college students

Their anxiety is fueling a restlessness with a national political system that they worry is no longer capable of improving their lives or no longer interested in helping.

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Oct 4 • 10:09 AM EDT • Politics • boston.com
Women and underrepresented minorities have higher tenure-track placement rates in the political science job market

What actually lands a PhD student a tenure-track professorship? A new study suggests a candidate's publication record, research field, and demographic identity are much stronger predictors of hiring success than the prestige of their university.

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Oct 4 • 10:00 AM EDT • Science • psypost.org
From detailing family cars to cleaning rides for Patriots players: Local college student’s business

A local college student’s auto detailing business has grown from helping family and neighbors to servicing the vehicles of professional athletes across New England.

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Oct 4 • 9:19 AM EDT • Business • boston25news.com
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How Americans’ Financial Health Is Faring In The “K-Shaped” Economy

Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.

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Oct 4 • 8:59 AM EDT • Health • fintechbusinessweekly.substack.com
Despair over future fuels political anxiety for college students on the cusp of adulthood

EAST LANSING, Mich. (AP) — Frankie Llerandi, 21, has been unable to land a single internship in his three years at Michigan State University.

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Oct 4 • 7:38 AM EDT • Politics • wral.com
Despair over future fuels political anxiety for college students on the cusp of adulthood

EAST LANSING, Mich. (AP) — Frankie Llerandi, 21, has been unable to land a single internship in his three years at Michigan State University.He will

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Oct 4 • 7:35 AM EDT • Politics • bangordailynews.com
Despair over future fuels political anxiety for college students on the cusp of adulthood

EAST LANSING, Mich. (AP) — Frankie Llerandi, 21, has been unable to land a single internship in his three years at Michigan State University.

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Oct 4 • 7:35 AM EDT • Politics • coasttv.com
Despair over future fuels political anxiety for college students on the cusp of adulthood

EAST LANSING, Mich. (AP) — Frankie Llerandi, 21, has been unable to land a single internship in his three years at Michigan State University.

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Oct 4 • 7:35 AM EDT • Politics • 2news.com
Despair over future fuels political anxiety for college students on the cusp of adulthood

Many college students today are feeling anxious about their future.

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Oct 4 • 7:35 AM EDT • Politics • news4jax.com
Despair over future fuels political anxiety for college students on the cusp of adulthood

(AP) — Frankie Llerandi, 21, has been unable to land a single internship in his three years at Michigan State University. He will graduate in the spring with an economics degree and an interest in dat...

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Oct 4 • 7:35 AM EDT • Politics • yahoo.com
Despair over future fuels political anxiety for college students on the cusp of adulthood

Many college students today are feeling anxious about their future. They have concerns about their job prospects, homeownership and impending adulthood. Michigan State University student Frankie...

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Oct 4 • 7:35 AM EDT • Politics • newstimes.com
Despair Over Future Fuels Political Anxiety for College Students on the Cusp of Adulthood

EAST LANSING, Mich. (AP) — Frankie Llerandi, 21, has been unable to land a single internship in his three years at Michigan State University. He will graduate in the spring with an economics degree and an interest in data analytics, but true adulthood seems maddeningly far away. Most of his cousins ...

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Oct 4 • 7:35 AM EDT • Politics • usnews.com
Meet moms who make it their business to keep university students feeling right at home

From Alabama to Auburn to universities around the country, concierge services that cater to college students are finding success.

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Oct 4 • 7:07 AM EDT • Business • al.com
My students are politically apathetic. Here’s what colleges can do to get them involved and engaged. (Opinion)

Although colleges might not think it’s their job to teach their students how to talk about civics, government and American democracy, it is. Instead of leaving families, the internet, and the nation’s K-12 schools to do the heavy lifting, i…

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Oct 4 • 6:00 AM EDT • Politics • dailycamera.com
Wellness Services connects students with mental health support and resources

Wellness Services connects students with mental health support and resources

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Oct 3 • 9:11 PM EDT • Health • arbiteronline.com
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Bottoms hears UGA students’ worries on AI jobs, mental health and living costs

Democratic gubernatorial candidate Keisha Lance Bottoms made a campaign stop at the University of Georgia Saturday, meeting with students and parents and discus

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Oct 3 • 6:05 PM EDT • Health • wgxa.tv
State survey: 76% of Pa. students report good mental health

The 2025 Pennsylvania Youth Survey found 76% of students reported good overall mental health and 83% felt safe at school, state officials said.

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Oct 3 • 4:00 PM EDT • Health • northcentralpa.com
UTA Health Professions Week to connect students with alums, professionals

Networking opportunities, interview practice and demonstrations will be offered throughout the week.

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Oct 3 • 3:45 PM EDT • Health • theshorthorn.com
South Texas Health System (@stxhealthsystem)

1 likes, 1 comments - stxhealthsystem on October 3, 2026: "A Gathering of Compassion, Commitment & Community: The Texas Association of Healthcare Volunteers (TAHV), a statewide organization dedicated to supporting, training and connecting healthcare volunteers, recently held its District 3 Meeting at South Texas Health System Edinburg. Volunteers from across South Texas and the Coastal Bend gathered to learn, share ideas and strengthen the vital role they play in supporting patients, families and healthcare teams throughout their communities. The Auxiliary to STHS (@auxiliarytosths) is made up of more than 350 student and adult volunteers who help enhance the patient experience across the health system. To help make this year's event a success, auxiliary members from hospitals throughout the Rio Grande Valley came together to plan, coordinate and host the annual meeting. We extend our heartfelt thanks to everyone who attended and contributed to this inspiring event. Your dedication, compassion and service make a lasting impact in hospitals across the Rio Grande Valley and beyond.".

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Oct 3 • 2:17 PM EDT • Health • instagram.com
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Mt. Joy plays Madison for student mental health awareness

Mt. Joy performed for UW-Madison students on Thursday as a part of Future Friends, a campus-centric mental health nonprofit.

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Oct 3 • 12:30 PM EDT • Health • captimes.com
WIDR FM student radio station hosts Spin-a-Thon

Western Michigan University students gathered at 89.1 WIDR FM, WMU’s student-run, noncommercial educational station, to share physical media live on-air during the station's second annual Spin-a-Thon event Sept. 29.

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Oct 3 • 12:00 PM EDT • Entertainment • westernherald.com
Elizabeth Holmes dangled 'easy' service hours in front of students to boost her state House campaign

She dangled service hours in front of her students. Her district opened a file.

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Oct 3 • 10:02 AM EDT • Politics • floridapolitics.com
FAU graduate student uses Miss Fort Lauderdale crown to turn science into action

FAU graduate student and Miss Fort Lauderdale Paige Aldred is combining marine science with community outreach, using her platform to raise awareness about water quality, Sargassum ,and sustainability.

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Oct 3 • 9:29 AM EDT • Science • wptv.com
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Rain or shine, Out 4 Business’s picnic goes with the flow

Many students of all identities gathered for a picnic Wednesday, Sept. 30 set up by Out 4 Business (O4B), a Registered Student Organization (RSO) at Western Michigan University dedicated to

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Oct 3 • 9:00 AM EDT • Business • westernherald.com