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Here's a look at 'reach' election races where Democrats hope to pull off House upsets

The party in power traditionally suffers losses during midterm elections. Democrats managed to avoid a predicted 2022 “red wave,” but they saw Republicans flip both chambers when President Donald Trump was reelected last cycle.

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Sep 5 • 6:36 PM EDT • Politics • pbs.org
🙂 Positive (35%)
Deals: Galaxy Z Fold8 Ultra and Z Flip8 get first big price cuts, Galaxy S26 FE launches

The Galaxy S26 FE comes with a $200 gift card, which helps it fend off the Galaxy S26+ and Galaxy A57. The Samsung Galaxy Z8 series of foldables launched...

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Sep 5 • 4:04 PM EDT • Technology • gsmarena.com
Letters: Clippers and Kawhi get off easy; fans are big losers

Readers of the Los Angeles Times Sports section give their thoughts on the NBA's penalties for the Clippers, USC's defense, the Angels sale and more.

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Sep 5 • 7:00 AM EDT • Sports • latimes.com
Orioles news: O’s playoff dreams are slipping away

Blaze can’t do it alone, an offensive no-show, and Sander’s major league background.

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Sep 5 • 7:00 AM EDT • Sports • sports.yahoo.com
The mystery behind an audio clip that helped upend a Senate race

Artificial-intelligence tools increasingly allow political actors to fool voters — and help candidates cast doubt on reality.

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Sep 5 • 6:00 AM EDT • Politics • washingtonpost.com
Filipe Luís unsure of Aleksandr Golovin’s Monaco future

Aleksandr Golovin (30) put in a strong performance at the Parc des Princes as AS Monaco beat Paris Saint-Germain (2-1). There is, however, the possibility that it was his final appearance in a Monaco ...

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Sep 5 • 5:55 AM EDT • Sports • sports.yahoo.com
Philippines vice president posts bail after arrest order for alleged threats against president

President Ferdinand Marcos Jr. and Vice President Sara Duterte were running mates in the 2022 elections, but their relationship has broken down amid political disputes.

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Sep 5 • 5:42 AM EDT • Politics • nbcnews.com
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Rockies Suffer Crushing 7-6 Loss to Cardinals

The Colorado Rockies had a win against the St. Louis Cardinals in the palm of their hand, but it slipped through their fingers.

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Sep 5 • 1:20 AM EDT • Sports • sports.yahoo.com
Cecile Azarcon honored with new tribute song

Cheska CK with Cecile Azarcon Photo from Facebook/@BaleKuCafe ‘The Songs Came Home’ celebrates the veteran songwriter behind enduring OPM favorites Veteran Filipino songwriter Cecile Azarcon-Inocentes is the subject of a new tribute song honoring a career that has produced some of Original Pilipino Music’s enduring compositions. “The Songs Came Home,” released by TrueStoriesSung Creative Studio, features…

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Sep 5 • 1:09 AM EDT • Entertainment • asianjournal.com
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Sampaguita Pictures actress Jean Lopez dies at 86

Photo from Instagram/@ barbicastelvi Veteran performer worked alongside many of Philippine cinema’s leading stars during the 1960s Veteran Sampaguita Pictures actress Jean Lopez, who appeared alongside some of Philippine cinema’s leading stars during the 1960s, died Sept. 1, her family said. She was 86. Her daughter Barbi Castelvi announced the death on social media, describing it as sudden and unexpected.…

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Sep 5 • 1:06 AM EDT • Entertainment • asianjournal.com
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Tigers blow lead and get walked off by the Guardians

The Tigers let another one slip away.

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Sep 4 • 7:20 PM EDT • Sports • sports.yahoo.com
BRAVES VS. PHILLIES: NL EAST SHOWDOWN HAS ARRIVED

The calendar has flipped to September, and the National League East race is about to get extremely interesting. The Atlanta Braves and Philadelphia Phillies begin a massive four-game series Friday at Citizens Bank Park, with the Braves entering the weekend sitting four games ahead of Philadelphia in the division. Atlanta comes in at 83-57, while…

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Sep 4 • 5:36 PM EDT • Sports • sports.yahoo.com
What's left of the Clippers?
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Sep 4 • 3:40 PM EDT • Sports • sports.yahoo.com
A&M System names Barton vice chancellor for business affairs

Texas A&M University System’s board of regents officially appointed John Barton as vice chancellor for business affairs. He had been serving as interim vice chancellor since January.

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Sep 4 • 3:29 PM EDT • Business • communityimpact.com
Y! Sports Biz: Fine-ers Keepers

The Clippers' fine is not the heaviest in sports history.

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Sep 4 • 3:00 PM EDT • Sports • sports.yahoo.com
Philippines' politics and inequality descend on a golf course in 'Filipiñana'

“Filipiñana” is playing at select movie theaters in Los Angeles

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Sep 4 • 2:59 PM EDT • Entertainment • spectrumlocalnews.com
Philippines' politics and inequality descend on a golf course in 'Filipiñana'

“Filipiñana” is playing at select movie theaters in Los Angeles

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Sep 4 • 2:59 PM EDT • Politics • spectrumlocalnews.com
Philippines' politics and inequality descend on a golf course in 'Filipiñana'

“Filipiñana” is playing at select movie theaters in Los Angeles

spectrumlocalnews.com logo
Sep 4 • 2:59 PM EDT • Politics • spectrumlocalnews.com
Philippines' politics and inequality descend on a golf course in 'Filipiñana'

“Filipiñana” is playing at select movie theaters in Los Angeles

spectrumlocalnews.com logo
Sep 4 • 2:59 PM EDT • Entertainment • spectrumlocalnews.com
ESPN has a big PR headache after the NBA's LA Clippers ruling

ESPN has caught scrutiny for its framing of the LA Clippers' salary cap scandal, which one PR pro called "very misleading."

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Sep 4 • 2:52 PM EDT • Business • businessinsider.com
50 Memphis businesses, nonprofit to refuse serving Memphis task force

Free The 901 held a press conference encouraging local businesses to join the 50 that have already committed to not serving Memphis Safe Task Force.

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Sep 4 • 1:29 PM EDT • Business • commercialappeal.com
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Where do the LA Clippers go from here?

There is a path forward, but the coming years are not going to be pretty.

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Sep 4 • 12:48 PM EDT • Sports • sports.yahoo.com
BlackSun’s Seattle NBA bid could include sports-entertainment complex on tribal land

BlackSun Private Equity is pursuing a Seattle NBA expansion bid that could place the team in a new arena on Tulalip Tribes’ land near Marysville, about 30 miles north of Seattle.

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Sep 4 • 11:44 AM EDT • Entertainment • sportsbusinessjournal.com
Eligibility is not a new issue in college sports

In the late 1940s, the talented Bubba Phillips played college football for Southern Mississippi and pro baseball for the Detroit Tigers.

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Sep 4 • 11:22 AM EDT • Sports • mississippitoday.org
Clippers could trade $197M All-Star after NBA ruling

Should the Clippers do this?

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Sep 4 • 11:13 AM EDT • Sports • sports.yahoo.com
Investors flip Mount Joy medical office building for $6M

For the second time in two years, the building housing Lancaster Orthopedic Group’s Mount Joy offices has been sold for approximately $6 million.

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Sep 4 • 10:27 AM EDT • Business • lancasteronline.com
Philippine court orders arrest of VP Duterte over President Marcos threats
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Sep 4 • 9:35 AM EDT • Politics • aljazeera.com
O.J. Simpson caught laughing about murder trial in behind-the-scenes clip from prank show

New docuseries about O.J. Simpson’s prank show ‘Juiced’ shows him laughing about his murder trial, which the crew hadn’t expected at all

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Sep 4 • 9:00 AM EDT • Entertainment • ew.com
US Open Influencer Credentials Double, And Tennis Etiquette Cracks

The U.S. Open nearly doubled its creator credentials to close to 100 this year. A halted Osaka match and viral ring-light clips show the cost of reach without onboarding.

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Sep 4 • 7:00 AM EDT • Sports • sports.yahoo.com
Archrock’s (AROC) Compression Business Locks In Years Of Growth

On August 4, Archrock (NYSE:AROC) posted second-quarter results that told two different stories at once. Revenue slipped to $371.2 million from $383.2 million a year earlier, yet net income climbed to $66.7 million, and earnings per share rose to $0.38. That gap between a shrinking top line and a growing bottom line is the puzzle […]

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Sep 4 • 6:25 AM EDT • Business • finance.yahoo.com
Ohio State Lima Announces 1+3 Horticulture and Crop Science Pathway

LIMA, Ohio — The Ohio State University at Lima will soon offer the foundational coursework for Horticulture and Crop Science to students interested in working...

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Sep 4 • 2:47 AM EDT • Science • morningagclips.com
Clippers Vow to Fight NBA’s $30 Million Fine and Historic Draft Pick Penalties

The Los Angeles Clippers‘ offseason was already complicated after their 2025-26 season ended in a play-in loss to the Golden State Warriors, keeping the franchise out of the postseason for the first time since 2022. Months later, Kawhi Leonard and the organization find themselves at the center of a storm that has nothing to do [...]

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Sep 3 • 11:06 PM EDT • Sports • sports.yahoo.com
Olmsted County public health advisors hear from tobacco industry rep

The presentation from U.S. Businesses of Phillip Morris International comes months after the launch of a countywide youth tobacco prevention coalition.

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Sep 3 • 10:15 PM EDT • Health • postbulletin.com
Justin Gaethje eyes Conor McGregor fight

Justin Gaethje is ready to defend his title, with Conor McGregor one of the names on his lips.

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Sep 3 • 9:00 PM EDT • Sports • sports.yahoo.com
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Pablo Torre Sounds Off on the Clippers Ruling, Kawhi Leonard and ESPN — and Teases His Next Big Story

“Pablo Torre Finds Out” host on the NBA’s historic ruling against the Clippers, Kawhi Leonard’s slap on the wrist and ESPN undermining his reporting.

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Sep 3 • 8:30 PM EDT • Sports • variety.com
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The Clippers just lost 5 first-round draft picks as punishment from the Kawhi Leonard scandal. What do they have left?
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Sep 3 • 7:06 PM EDT • Sports • sports.yahoo.com
WATCH: McCallum vs. Travis high school football live

AUSTIN (KXAN) — As the calendar flips to September, football is plentiful across Central Texas. McCallum and Travis meet in a non-district matchup Thursday night. The game will be available live at 7 p.m. on KXAN+, our free streaming app. KXAN+ is available on all smart TVs. Travis and McCallum are both coming off season-opening […]

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Sep 3 • 6:35 PM EDT • Sports • sports.yahoo.com
Video: Why the N.B.A. Banned the Richest Owner in U.S. Sports

A yearlong league probe, sparked by Pablo Torre’s Pulitzer Prize-winning investigation, found that the billionaire Los Angeles Clippers owner Steve Ballmer helped to secure endorsement deals for star Kawhi Leonard, breaking salary cap rules.

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Sep 3 • 1:52 PM EDT • Sports • nytimes.com
Brian Windhorst Calls Kawhi Leonard The ‘Unmitigated Winner’ Of Clippers Salary Cap Scandal

Brian Windhorst called Kawhi Leonard an “unmitigated winner” after comparing his $700,000 punishment to the millions he collected.

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Sep 3 • 10:36 AM EDT • Sports • sports.yahoo.com
Final Fantasy Resonance: How Square Enix Turned a Dead Gacha Game Into a Must-Play Console RPG

I went into Final Fantasy Resonance expecting a lazy asset flip. Instead, I found a deeply strategic, meticulously balanced RPG.

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Sep 3 • 10:15 AM EDT • Technology • pcmag.com
NBA insider reveals timeline for Kawhi Leonard-Raptors trade after Clippers punishment

The Los Angeles Clippers traded Kawhi Leonard to the Toronto Raptors earlier in the offseason and then mayhem happened. Now, with everything cleared up, it seems like it will still be able to go through.

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Sep 3 • 9:55 AM EDT • Sports • sports.yahoo.com
PENN Entertainment (PENN) Swings To Profit As Debt Comes Down

On August 6, PENN Entertainment (NASDAQ:PENN) reported second-quarter results that flipped from a year-ago loss into a profit. Net income came in at $32.6 million, compared with a loss of $18.3 million in the same quarter of 2025. Revenue rose to $1.86 billion from $1.77 billion, and Adjusted EBITDA climbed to $312.6 million from $236.1 […]

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Sep 3 • 6:31 AM EDT • Entertainment • finance.yahoo.com
Euro zone overall business growth held steady in August, PMI shows

Growth in the euro zone's dominant services industry slipped to a two-month low in August though solid and broad-based demand kept overall private sector activity on an even keel, a ​survey showed on Thursday.

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Sep 3 • 4:09 AM EDT • Business • reuters.com
Philips Hue adds HDMI-free Sync and new 4K Box, Nanoleaf integration, and more app upgrades

To kick off IFA 2026, Philips Hue announced a new set of sync boxes for its Play lighting. The company...

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Sep 3 • 3:30 AM EDT • Technology • 9to5google.com
DEI-Free Lollipop Chainsaw Sequel Teases A Big Unveiling At Tokyo Game Show

Planned Tokyo Game Show unveiling lists a new development team

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Sep 3 • 2:00 AM EDT • Technology • kotaku.com
Juliet Is Back! Lollipop Chainsaw's New Game Gets A "World Premiere Demo" At TGS 2026

"Get an early hands-on experience"

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Sep 3 • 12:55 AM EDT • Technology • nintendolife.com
Winners and losers from NBA finding, penalties on Clippers, Kawhi Leonard investigation
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Sep 3 • 12:03 AM EDT • Sports • sports.yahoo.com
☹️ Negative (-20%)
Minor League Recap: RubberDucks Offense Explodes For 13 Runs

Clippers 6, Cubs 2 This was a nice win from the Clippers, we saw multi hit efforts from both George Valera and Blake Perkins and a homer from Dayan Frias. Kyle Manzardo, Cooper Ingle, and Alfonsin Rosario all had a hit and an RBI. Ben Lively had another good start tonight. He tossed 4.2 innings […]

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Sep 2 • 11:42 PM EDT • Sports • sports.yahoo.com
The Clippers, Kawhi Leonard and the most damaging swing-and-a-miss in NBA history
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Sep 2 • 9:41 PM EDT • Sports • sports.yahoo.com
🙂 Positive (50%)
New Lollipop Chainsaw game playable at TGS 2026

The new Lollipop Chainsaw game first announced in July 2025 will be playable at Tokyo Game Show 2026, which will run from September 17 to 21 at Makuhari Messe in Chiba, Japan, publisher Dragami Gam…

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Sep 2 • 9:35 PM EDT • Technology • gematsu.com
😐 Neutral (-2%)
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5 takeaways from the NBA's punishment of the Clippers: By dropping a sledgehammer, Adam Silver squares off against the league's richest owner
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Sep 2 • 8:52 PM EDT • Sports • sports.yahoo.com
Harshest Punishments In Sports History: Where Does The Clippers Ruling Rank?

With the hammer officially dropped on the Clippers, let’s dive into the history books. These are the most memorable and impactful sports punishments handed out in history.

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Sep 2 • 8:32 PM EDT • Sports • foxsports.com
NBA hammers Clippers, Steve Ballmer for salary cap circumvention as Kawhi Leonard avoids suspension

The NBA released the findings of its nearly year-long investigation into salary cap circumvention allegations on Wednesday

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Sep 2 • 4:35 PM EDT • Sports • cbssports.com
NBA reportedly strips Clippers of 5 first-round draft picks, fines Steve Ballmer $30M in Kawhi Leonard salary cap circumvention probe

The NBA has stripped the Los Angeles Clippers of five first-round draft picks and fined owner Steve Ballmer $30 million at the conclusion of it’s probe into alleged salary cap circumvention with Kawhi Leonard, ESPN’s Shams Charania reports.

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Sep 2 • 4:26 PM EDT • Sports • sports.yahoo.com
Feds, NBA investigating Daktronics amid alleged Kawhi Leonard, Clippers no-show sponsor deals
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Sep 2 • 3:34 PM EDT • Sports • sports.yahoo.com
Martin Scorsese says Tribeca neighborhood used to be ‘really good for’ stealing hubcaps, sex, and drugs at night (exclusive)

Martin Scorsese reminisces about New York’s crime-ridden Tribeca neighborhood in an exclusive clip from the upcoming documentary ‘Tribeca 25,’ premiering on Netflix Sept. 11.

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Sep 2 • 11:00 AM EDT • Entertainment • ew.com
Video: Opinion | What A.O.C.’s Egg Freezing Says About Politics

Alexandria Ocasio-Cortez and Karoline Leavitt may have very different politics, says Kristen Soltis Anderson, but they’re both publicly navigating similar realities: being young women in the public eye and navigating career ambition alongside questions of fertility and family.

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Sep 2 • 10:29 AM EDT • Politics • nytimes.com
Burnham's PMQs debut shows the challenge of delivering new style of politics

Burnham's exchanges with Kemi Badenoch slipped into familiar territory of trading barbs, writes Alex Forsyth.

bbc.com logo
Sep 2 • 9:45 AM EDT • Politics • bbc.com
Inside a Conservative Operation to Hijack Your Social-Media Feed

A service run from Latvia offers payment for short, social-media-friendly clips designed to look like grassroots GOP support.

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Sep 2 • 6:00 AM EDT • Politics • theatlantic.com
Alexandra Eala has the loudest fans at the US Open, and she's welcoming the noise: 'it doesn’t get old'

Eala is already a superstar in her home country of the Philippines. Her fans have arrived in New York.

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Sep 2 • 12:12 AM EDT • Sports • sports.yahoo.com
Samsung Expands One UI 9 Beta Program to More Galaxy Devices

The One UI 9 beta program is expanding to Galaxy Z Fold7, Galaxy Z Flip7, Galaxy S25, Galaxy S25+, Galaxy S25 Ultra and Galaxy S25 FE in select markets. Users can sign up via the Samsung Members app.

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Sep 1 • 5:00 PM EDT • Technology • samsungmobilepress.com
The time for talking about healthcare costs has long passed

The medical claim 'death spiral' is out of control. Lip service won't fix it.

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Sep 1 • 2:00 PM EDT • Health • pressherald.com
Ig Nobel Prizes leave U.S. amid concerns about Trump policies

This year's Ig Nobel Prizes will be held in Zurich, Switzerland, Sept. 3.

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Sep 1 • 11:10 AM EDT • Science • bostonglobe.com
If space data centers feel far-fetched, why not interstellar travel?

The team behind Starcloud's orbital data centers has a new high-risk space project: Sending a probe to Alpha Centauri.

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Sep 1 • 6:00 AM EDT • Technology • techcrunch.com
Will Clippers Regret Letting Bennedict Mathurin Walk in Free Agency?

Letting Bennedict Mathuin walk was a mistake.

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Sep 1 • 3:18 AM EDT • Sports • sports.yahoo.com
Daily Thread: 31 August 2026

The Daily Merengue is a place where you can feel free to d all things football. Do not be alarmed by the overt RMCF bias. It’s in the name! Shoutout to the mods who do a fantastic job, Ezek, Valyrian Steel, Kung_Fu_Zizou, Juninho, NeRObutBlanco and yours truly, Felipejack. 3 games, 3 wins It’s a very good start for Mourinho. As I […]

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Aug 31 • 10:58 AM EDT • Sports • sports.yahoo.com
A pediatrician is running for Senate. Can doctors change the political debate over health and science?

After Lindsey Graham’s death, Democrat Annie Andrews finds herself in a closely watched race as she seeks to flip his Republican seat

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Aug 31 • 10:08 AM EDT • Health • theguardian.com
A pediatrician is running for Senate. Can doctors change the political debate over health and science?

After Lindsey Graham’s death, Democrat Annie Andrews finds herself in a closely watched race as she seeks to flip his Republican seat

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Aug 31 • 10:08 AM EDT • Science • theguardian.com
A pediatrician is running for Senate. Can doctors change the political debate over health and science?

After Lindsey Graham’s death, Democrat Annie Andrews finds herself in a closely watched race as she seeks to flip his Republican seat

theguardian.com logo
Aug 31 • 10:08 AM EDT • Politics • theguardian.com
How digital health can strengthen breastfeeding support

Discover how Philips Avent and the Human Milk Institute are exploring how connected digital ecosystems can strengthen breastfeeding support. Download the white paper.

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Aug 31 • 8:15 AM EDT • Health • philips.com
Philippines’ richest billionaire agrees to buy African port operator spanning three countries

Enrique Razon-controlled ICTSI has agreed to acquire an African port operator with businesses in South Africa, Mozambique and Namibia

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Aug 30 • 11:00 PM EDT • Business • africa.businessinsider.com
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New Bears CB Clark Phillips sounds off on trade to Chicago

Newly acquired CB Clark Phillips shared his initial reaction after being traded to the Chicago Bears by the Atlanta Falcons.

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Aug 30 • 2:45 PM EDT • Sports • sports.yahoo.com
Ultra-thin aramid protection: Pitaka cases for the Samsung Galaxy Z8 Series review

In-depth hands-on review of the Pitaka Classic aramid fiber cases for the Samsung Galaxy Z Fold8 & Flip: fit, build quality, 3D-Grip, and MagEZ in detail.

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Aug 30 • 9:26 AM EDT • Technology • notebookcheck.net
Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices

Hey all, Jason here. When this hits your inbox, I should be en route to the airport — not to go anywhere myself, just to pick up my better half. I must admit, it’s been strange to be home alone (well, with two dogs) for two weeks! Really lets me “optimize” to spending more time on reading/writing/working, whether that’s healthy or not! Looking forward to getting back into a (somewhat) more balance routine. Subscribe or Support by Upgrading Compare Notes With the People Who Built Modern Fintech Partner content: Remitly CEO Sebastian Gunningham. Increase founder Darragh Buckley. Linda Du, Co-founder & President at Valon. They’ll unpack the decisions behind building and scaling major financial products: what they got right, what broke, what they would do differently, and how AI and new infrastructure are changing the operator playbook. Most events tell you where fintech is going. NerdCon puts the people who built the present in the room and asks them what comes next. Expect an operator-led conversation grounded in real products, real trade-offs and lessons earned the hard way. Fintech Business Weekly readers save 20% on Regular tickets with code FBW20 before standard pricing ends September 11. Meet the Builders Things To Know & Other Good Reads Advent and Stripe Abandon $50 Billion Pursuit of PayPal (Bloomberg) Trump Family’s New Crypto Bank Is Backed by Abu Dhabi Sheikh (Wall Street Journal) The multiplying risks of financing data centres (FT) Let the Bond Market Speak (Wall Street Journal) Did we waste a crisis? Modest proposals to reform deposit insurance. (Fintech Takes Banking) Untangling Guggenheim: How Private Credit Built Its Own Universe (Net Interest) The Hater’s Guide To Circular Financing — Part One (Ed Zitron) Fiat Ventures Rebrands to FGV Capital, Announces $35M Oversubscribed Fund II (BusinessWire) Socure Announces Strategic Growth Investment at $5.2B Valuation and Acquires Agentic Operations Platform Fravity (Socure) Listen: When Consumer Protection Disclosures Work Too Well (Consumer Finance Monitor Podcast) Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices When Andreessen Horowitz led EarnIn’s $39 million Series B in 2017, Alex Rampell, a partner at the storied venture capital firm, described EarnIn’s small-dollar advance product as “free,” relying on “entirely on voluntary contributions instead of fees.” Rampell favorably compared EarnIn’s approach to typical payday loans, writing, “Payday loans historically have had the potential to be a slippery slope for consumers into financial distress: opaque systems and steep fees that are hard to repay and set individuals back further than where they started. For many Americans living paycheck to paycheck, that kind of slide into debt can be extremely difficult to recover from.” But EarnIn’s product — which, the company says, isn’t a “loan,” legally speaking — ends up being anything but free for most users. While it is technically possible to take a no-fee advance from the company, most users incur “Lightning Speed” (instant funding) fees and/or ostensibly optional tips that combined can equate to annualized percent rates that can reach over 1,000%. With an average term of 9.77 days, even fees and tips that are small on an absolute dollar basis are equivalent to high APRs on an annualized basis. A lawsuit filed last week by Colorado Attorney General Phil Weiser against EarnIn describes the company and its product and business practices quite differently than Andreessen’s Rampell; “EarnIn’s business practices are unfair because they are immoral, unethical, oppressive and unscrupulous,” the complaint, filed in District Court in Denver, Colorado, says. EarnIn’s marquee product, Cash Out, isn’t a loan, the company says, as Cash Out is not “[f]orward [l]ooking” because “[t]he money is transferred based on earnings to date,” does not carry a mandatory fee to access funds, and is “non-recourse,” meaning EarnIn cannot pursue recovery from users who don’t repay advanced funds. EarnIn is sometimes referred to as an “Earned Wage Advance” service. Though, unlike some others in the broader category, EarnIn does not integrate with employers’ payroll or time and attendance systems. Rather, EarnIn attempts to verify a user’s income and employment, by examining direct deposit transaction data in their linked external bank account, by using GPS location and Bluetooth data to estimate a user’s time spent at work, if they work in a fixed location, and/or by having a user provided a work email address. While repayment is theoretically optional, as EarnIn would have no recourse, such as reporting non-payment to the credit bureaus or a collections agency, this is anything but clear to users of the EarnIn app, Colorado’s complaint argues. During the process of taking a Cash Out, users must agree to a preauthorized debit of the amount advanced, plus any expedited funding fee and/or tips. Though users technically can revoke this ACH authorization, the fact that they have this right isn’t presented to users during the Cash Out process, but rather is included in linked terms and conditions few users are likely to actually read. And users who do wish to revoke their ACH authorization must do so three or more days before the scheduled transaction date by emailing EarnIn’s customer support. Similarly, EarnIn’s marketing claims that it carries “no interest” and “no mandatory fees” is technically true, but is not the reality for many of the app’s users, the Colorado complaint argues. Further, EarnIn has extensively marketed to users the ability to “access your pay today,” to get “instant” funds, and to get funds “the same day you work” — when, in reality, this speed of access was only possible by paying the additional, undisclosed Lightning Speed fee. The Colorado complaint highlights this contradiction specifically, noting: EarnIn tells consumers that they can ‘Make any day payday with EarnIn’ and that there no ‘hidden’ or ‘mandatory fees.’ For a consumer to access their pay on the same day requested, they would have to pay the Lightning Speed fee. In the fine print of the advertisement EarnIn discloses that ‘[f]ees apply to use Lightning Speed,’ a direct contradiction to the larger text of the advertisement, and a fact that would not be immediately understood by a consumer as ‘Lightning Speed’ is not defined nor explained. Like other small-dollar lending services, rather than explicitly charge interest, EarnIn collects a markup on the optional Lighting Speed fee, which, given the nature of the transactions, many users opt for, as well as offering users the option to leave “tips.” EarnIn leverages either Real-Time Payments (RTP) rails or push-to-card via debit rails if a user opts for the optional Lightning Speed. But while these capabilities cost EarnIn, on average, $0.075 or $0.20 per transaction, respectively, EarnIn charges users significantly more. Initially, EarnIn charged as little as $1.99 for Cash Outs up to $24. But EarnIn has hiked these fees multiple times, and now charges $4.99 for Cash Outs up to $75 and $6.99 for those over $75. According to the Colorado complaint, EarnIn leverages “dark patterns” to manipulate users and to make it more difficult to avoid tipping. Examples of these “road blocks” highlighted in the complaint include: As of 2023, in the EarnIn app, a consumer attempting to get a loan under the default settings had to make at least eighteen separate taps to complete the transaction and reduce the tip to $0. There is an alternative method to leave a $0 tip, via the “Custom tip” feature, but EarnIn made this option difficult to access by visually deemphasizing it and positioning it near devices’ “home” button. Using language and imagery such as “Tip to pay it forward,” “Your generosity supports the service + helps,” “Your tips make a difference,” and “[t]he APR for this cash out is 0%. Your tips help support us.” While Lightning Speed and tipping are, in theory, both optional, in practice, users nearly always ended up paying something. According to the Colorado suit, users were charged either a tip or an expedite fee for more than 92% of transactions, with an average APR of nearly 388%. And, although the advances are “non-recourse,” EarnIn successfully collects on nearly all transactions — 99.18%, according to the complaint, which, Colorado argues, “demonstrat[es] that EarnIn’s advances function as high cost loans, not voluntary payments.” The share of EarnIn users incurring fees — despite the product being marketed as 0% APR — is hard to reconcile with Andreessen investor Rampell’s favorable description of EarnIn vs. “opaque systems and steep fees” associated with payday loans, which, Rampell says, can be “extremely difficult” for borrowers to extricate themselves from. According to Colorado’s suit, EarnIn’s Cash Out product “trapped many consumers in extreme cycles of high-cost reborrowing.” The suit gives an example of one consumer in the state, who took out a whopping 1,151 loans, paying a total of $4,038.50 in Lightning Speed expedited funding fees on loans that averaged the equivalent of 1,421% APR. Another Colorado user, the suit says, took out 1,033 loans, paying $8,561.22 in tips and fees at an average APR of 1,539% . These types of usage patterns demonstrate “the severe and repeated financial harm caused by EarnIn’s illegal lending model,” the Colorado complaint argues. In aggregate, from January 2023 through July 2025, EarnIn extended 3.1 million loans to 56,778 users in Colorado — an average of nearly 55 transactions per person during the time period. EarnIn lent more than $300 million and collected more than $16 million from Colorado users in Lightning Speed fees and in tips. Ultimately, the Colorado complaint argues that “EarnIn’s Cash Outs are loans under Colorado law, and EarnIn’s contention that its product is not a loan based on its disclaimer of any legal repayment obligation lacks any real-world significance given how the Cash Out transactions actually operate in practice.” Colorado further argues that “EarnIn was not working with companies here in providing consumers with funds but acted as a third-party lender and charged illegally high rates, used deceptive design strategies to extract some charges, and trapped consumers in repeat borrowing. Colorado will continue to stand up for consumers and hold companies accountable when they violate our credit laws or attempt to evade them through misleading practices.” Colorado’s suit alleges EarnIn assesses finance charge in excess of that permitted by Colorado law, that EarnIn failed to make legally required disclosures to Colorado borrowers, that EarnIn made supervised loans to consumers without obtaining the requisite license, that EarnIn violated the state’s Deferred Deposit Loan Act, that EarnIn engage in unfair and deceptive trade practices, and that EarnIn made false or misleading statements concerning price. The suit seeks a court order enjoining EarnIn from violating relevant Colorado laws, for EarnIn to refund amounts charged in excess of state law, fees, costs, and penalties, and other relief the court deems to be just. 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. Q2 Quarterly Banking Profile: Five Quick Takeaways The FDIC released its quarterly banking profile, which is always worth a read, for the second quarter. The profile provides an aggregate snapshot about the overall health of the 4,238 institutions whose deposits are insured by the FDIC, who, collectively, hold more than $26 trillion in assets and saw a total net income of more than $90 billion in the second quarter. Net income was up 12% vs. Q1 2026, with lower provisions and realized gains on securities helping to drive the improvement, somewhat offset by increases in non-interest expense and applicable income taxes. Overall net interest margin was basically flat quarter over quarter (up 1 basis point vs. Q1 2026), though community banks saw NIM grow by 10 basis points, to 3.81%. Unsurprisingly, given that interest rates haven’t changed, unrealized losses on securities changed little, edging up slightly to $326.7 billion vs. $325.1 billion in Q1 2026. Aggregate credit quality has remained benign, with asset quality actually improving slightly in Q2. Overall, institutions reported a 9 basis point decline in their past-due and non-accrual rate, to 1.44%. Net charge off rate also declined by 2 basis points, to 0.57%. And finally, the FDIC’s deposit insurance fund stands at $161.1 billion, making the DIF reserve ratio 1.48% — above the statutory minimum of 1.35%, but still below the designated target reserve ratio of 2%. [Paid Subscriber Exclusive] Nissan Withdraws ILC App, State Associations Plan BankChain Alliance, FDIC Defines “Unsafe or Unsound Practice” For First Time Automaker Nissan withdrew its application to charter a Utah industrial loan company and its corresponding application to the FDIC for deposit insurance last week, on August 19th. Nissan’s application had been outstanding for more than a year, as it originally applied in June 2025. Recent applications to the OCC to form national banks have been decisioned, one way or the other, substantially more quickly than has historically been the case.

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Aug 30 • 9:00 AM EDT • Business • fintechbusinessweekly.substack.com
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Upcoming Iron Man Game Footage Leaks, EA Remains Cool: "That Didn't Go As Planned"

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'We need something right now': Arkansas basketball coach John Calipari on NCAA eligibility rules, Protect College Sports Act

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A new poll suggests Republicans could flip New Hampshire, but is it reliable?

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Lunar Eclipse Thursday Night: The Science Behind the Blood Moon and How to See It

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Oakland's Chabot Space and Science Center to host lunar eclipse watch party

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NASA Johnson pilots chase moon's shadow for eclipse science

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12 races scramble Senate battlefield as Democrats eye comeback

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Lunar eclipse watch party set for Chabot Space & Science Center

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I'll send Itauma back to high school

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Vaccination protections 'teetering' as state declares measles outbreaks in 3 counties

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Minor League Recap: Welbyn Homers, Jake Fox Has Huge Day

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Rare red northern lights may be visible alongside red moon during tomorrow night's partial lunar eclipse

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Even as Trump’s Standing Slips, He Slingshots Darline Graham to Victory

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GTA VI keeps cyberleeking, with trips to the club, a used game store, and the beach.

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