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Business has lost the trust of a generation. I hear about it at my dinner table
A colleague told me, half-terrified, that her son's becoming a full-blown socialist. Our kids have been taking notes on the new (broken) social contract.
Meet the “intellectual super influencers” of the new right
A new top 20 ranking of influences on the “national populist” right is at once surprising and revealing.
OpenClaw that Sam Altman spent billions on and claims to have beaten GTA 6 gets 'largest update in its history'
OpenClaw has rolled out OpenClaw 2.0, marking the most extensive software upgrade in the open-source artificial intelligence (AI) agent platform’s history since its debut last year. Announcing the release, the development team playfully referenced Rockstar Games’ upcoming November title launch with the social post, “HA!
NVIDIA DLSS 5 Fixes Shadows Kingdom Come: Deliverance 2 Couldn’t Render, as Daniel Vávra Says Characters Finally Look As Intended
Kingdom Come: Deliverance series director Daniel Vávra praises NVIDIA DLSS 5, making the second game's characters look as originally intended
Warnings About Cancer-Alcohol Link Can Be Made Stronger, Researchers Say
By Dennis Thompson HealthDay ReporterMONDAY, Aug. 31, 2026 (HealthDay News) — Warnings about the link between alcohol and cancer are more powerful if the messages are shaped in certain ways, a new study says. Naming specific cancers linked to drinking and showing AI-generated images of the health ...
Democratic lawmakers introduce bills expanding health coverage for low-income Michiganders
Last week, a pair of Democratic lawmakers from the Michigan House and Senate shared that they were working on legislation to ensure more Michigan residents can access healthcare.
Mark Walter scandal, LA Lakers sale raise concern about ownership in pro sports
Billionaire Mark Walter’s purchase of the Los Angeles Lakers and his subsequent forced sale of the team less than a year later amid allegations of financial crimes at his companies are sparking fre…
Scientists Filmed an Alien-Looking Fish Moonwalking Across The Seafloor
Backward is just forward in reverse.
Scientists Filmed an Alien-Looking Fish Moonwalking Across The Seafloor
Backward is just forward in reverse.
Aboard the Mothership: Todd Graves’ past, present and future collide in original restaurant
In a crowded Highland Road restaurant, company owner and founder Todd Graves recapped the making of Cane's and goal to give back to the community in the future.
Your loneliness is big business for these startups
People are isolated and looking for community. These companies are happy to sell it.
Business For Good: Mental Health in a Hoodie?
After the end of her pro career, Drexel basketball alum Hollie Mershon began sparking conversations about mental health with her Weightless apparel company
Business For Good: Mental Health in a Hoodie?
After the end of her pro career, Drexel basketball alum Hollie Mershon began sparking conversations about mental health with her Weightless apparel company
J.J. McCarthy Handed Blunt Outlook After Vikings Roster Decision
After speculation swirled as to whether the Minnesota Vikings would cut J.J. McCarthy or trade him before the roster cutdown deadline, that didn’t happen. The Vikings decided to keep McCarthy, for now, and have four QBs on their 53-man roster.Nonetheless, McCarthy appears to be QB2; at least that’s how his name was listed when the […] The post J.J. McCarthy Handed Blunt Outlook After Vikings Roster Decision appeared first on HEAVY.
MLB power rankings: Baseball's worst division gets embarrassed again
Mariners continued their stunning downfall, getting swept in an ALCS rematch.
'Huge hole at Man Utd without Bruno'
Not everything is straightforward around Bruno Fernandes. The idea of Fernandes leaving, even at the age of 31, is not something many United fans would be comfortable with. "He is the one that gets Manchester United ticking," former United and England wide man Ashley Young told Sky Sports.
U.S. Bank expands business banking roster
The super-regional lender is adding bankers to serve business clients in Florida and Georgia, where it already has wealth and middle market bankers, an executive said.
Novak Djokovic Breaks Silence After Shocking US Open Exit
After his excruciating loss at the US Open, Novak Djokovic made some concerning comments about his future in tennis. The post Novak Djokovic Breaks Silence After Shocking US Open Exit appeared first on HEAVY.
Ocala CEP highlights Black Business Month Resource Fair
We highlight one expo which brought networking opportunities to Ocala in the Weekly Buzz.
31-year-old millionaire has zero sympathy for unemployed Gen Z’s ‘excuses’—he says ‘it is scarily easy’ to build a business and get rich right now
As AI kills entry-level jobs, multimillionaire Timothy Armoo has a blunt message for unemployed Gen Zers: stop making excuses and start building.
People walk along a street lined with bars and entertainment venues at Jomtien Beach, in Pattaya
People walk along a street lined with bars and entertainment venues at Jomtien Beach, in Pattaya City, Thailand, June 29, 2026.
Naya Rivera’s son, Josey Dorsey, will make acting debut
Josey Dorsey, the 10-year-old son of Ryan Dorsey and the late Naya Rivera is making his film acting debut in "The Burning Valley" alongside his father.
Home health, hospice deal-making on track to soar in 2027, report predicts
Despite concerns that a federal Medicare moratorium is stifling home health and hospice growth, a new analysis predicts merger and acquisition activity in the home health and hospice sector could be poised for a strong rebound in 2027.
Star Entertainment warns tough conditions to persist after annual loss
By Nichiket Sunil and Keshav SinghChundawat Aug 31 (Reuters) - Australian casino operator Star Entertainment reported a bigger-than-expected annual loss on Monday and warned that conditions would stay
Staff editorial: GW students’ passion for politics must also apply to local DC government
At first glance, it may seem that the GW student body has earned its reputation as inordinately passionate about politics. Most of the student body spends their summers working for their senators and representatives and spends their school semesters at Capitol Hill. But while our student body focuses on national politics and issues, they are forgetting about something closer to home — our local government.
The business of beauty: GW students turn cosmetic hobbies into profits
In a city overflowing with expensive beauty service options, try booking your next refresh appointment with GW’s own student-run businesses.
BUSINESS MONDAY: Spotlight on Bilmar Veterinary Services in Great Barrington
The locally owned practice, which dates to 1945, is marking 10 years under the ownership of Dr. Emily Newman—continually expanding its offerings along the way.
Trump still teases a third presidential run, but he's talking more and more about life after 2028
Donald Trump frequently hints at a third presidential run, even wearing 2028 campaign hats.
I-81 widening aims to improve freight reliability
Virginia has started a $219 million project to widen I-81 through Harrisonburg and Rockingham counties, improving freight reliability and traffic flow.
Moussa Diabate gets a reality check from former Knicks head coach Tom Thibodeau
Moussa Diabate might have missed an opportunity, but he is already thriving after taking the hardest path.
Penn State Receives Major Ranking Ahead of 2026 Season
The Penn State Nittany Lions have earned a bold ranking ahead of the 2026 season.
Japan-South Korea business panel launched to address low birth rate
The group aims to enable the two countries to share knowledge and experiences in seeking solutions to their demographic challenges through private-sector cooperation.
Weekend Break: 810 Entertainment in South Barrington pairs brunch with some healthy competition
Chicago's Very Own source for breaking news, weather, sports and entertainment.
How Aetna Is Making Healthcare Simpler With AI
Aetna technology chief Nathan Frank explains how AI, connected data and consumer-centered design can reduce friction, improve care and lower costs.
Undrafted Patriots Rookie Earns Roster Spot With Unusual Position Switch
Undrafted rookie Tanner Arkin learned a second position during the preseason, and that unusual move helped him claim a spot on the Patriots’ initial roster.
Denver Broncos practice squad and waiver wire tracker
We are tracking all of the news and rumors related to the Denver Broncos practice squad signings.
Weekend Break: Brunch, bocce and bowling? 810 Entertainment in South Barrington has all 3 and more
Chicago's Very Own source for breaking news, weather, sports and entertainment.
Fitbit’s founders designed a wearable for the whole family
Luffu, a health tracking app designed for families and caregivers, just unveiled a device that rethinks the wearable.
Patriots agree to trade with Vikings for veteran offensive lineman
The New England Patriots reportedly agreed to a trade with the Minnesota Vikings for offensive tackle Walter Rouse.
Democratic congressional nominee Brad Lander faces anti-Israel hecklers at New York protest
Brad Lander, a Democratic congressional nominee in New York City, faced heckling Saturday over his stance on Israel as he protested a Hindu nationalist politician speaking at Madison Square Garden.
Scientists find why the liver may not heal even after you stop drinking
Alcohol-related liver disease may trap damaged liver cells in a regenerative limbo, preventing the organ from rebuilding itself even after drinking stops. Researchers linked the problem to inflammation-driven RNA errors and identified a pathway that could potentially be targeted to restore liver repair.
Vikings-Packers Week 1 Game Receives Two Key Updates
As the Minnesota Vikings make their final roster decisions on Aug. 30 before the deadline, news emerged about their Week 1 opponent, the Green Bay Packers.On Aug. 30, the NFL announced that they are placing Packers running back Josh Jacobs on the Commissioner’s Exempt List. As a result, Green Bay won’t have their running back […] The post Vikings-Packers Week 1 Game Receives Two Key Updates appeared first on HEAVY.
Breckie Hill Has A Surprising History With Netflix’s Newest Reality Star
The internet has a funny way of making a very big world feel tiny. Breckie Hill and Alix Earle are The Breckie Hill Has A Surprising History With Netflix’s Newest Reality Star first appeared on The Bl...
Matt Gay has won Raiders’ kicking job, what’s next?
Does Kansei Matsuzawa have a future in Las Vegas?
How to improve your audio quality on Apple CarPlay
Make the music in your car sound better by making some easy tweaks to improve CarPlay's audio quality. You don't need to upgrade your car speakers just yet.
Colorado High School Football Rankings: Top 25 Teams
Valor Christian is looking very strong, and their cross-sectional matchup against Mater Dei this weekend will be one of the biggest games in the country.
9/11 volunteer creates film on Ground Zero health impacts
A 9/11 Ground Zero volunteer who was diagnosed with lung cancer in 2017 says his illness stems from cleaning up the attack site, and he is now making a documentary to raise awareness.
Packers Get Intriguing Josh Sweat Take Amid 49ers Speculation
As the San Francisco 49ers are making final roster decisions on Aug. 30, they could also be exploring the trade market. One area of concern for the Niners heading into the 2026 NFL season is their pass rush.Nick Bosa has dealt with tendinitis during training camp and the preseason. Moreover, Bosa looks to be the […] The post Packers Get Intriguing Josh Sweat Take Amid 49ers Speculation appeared first on HEAVY.
Patriots Acquire Offensive Tackle in Trade With Vikings
The New England Patriots have acquired an offensive tackle in a deal with the Minnesota Vikings.
Former Broncos Tight End Out in Raiders Roster Deadline Adjustment
Sean Payton and the Denver Broncos could do themselves a favor by taking a flier on old friend Albert Okwuegbunam. The post Former Broncos Tight End Out in Raiders Roster Deadline Adjustment appeared first on HEAVY.
New England Patriots Trade for Player Cut By Minnesota Vikings
As two teams playing in opposite conferences, the New England Patriots and Minnesota Vikings rarely overlap. One team is fresh […]
‘I don’t want to see him in jail': Bennett backs Netanyahu pardon if he quits politics
Bennett, who also leads the B’Yachad party, is one of the leading figures in the opposition bloc seeking to replace Netanyahu in the October elections.
Patriots add offensive lineman via trade with Vikings
The Patriots have added Walter Rouse from the Vikings.
NVIDIA Shuts Down RTX 5000 Power Limit Control OC in Latest Driver Update
We recently reported on the open-source overclocking tool, mVolt+, unlocking power limit control on NVIDIA GeForce RTX 5000-series GPUs, allowing certain GPUs, like the RTX 5090, to draw up to 125 W of additional power and enabling significantly higher core clock speeds as a result. With the...
Dolly Parton honored at Redford Theatre with 'Steel Magnolias' screening
Fans remembered her not just for her music but for her kindness and efforts to make the world better.
Microsoft Is Slowly Healing Windows 11, With OneDrive Finally Allowing Users To Fully Opt Out Of The Service, Getting Rid Of The Incessant Reminder
Microsoft is making it easier to opt out of OneDrive on Windows 11 by removing persistent backup prompts and improving user control
US strikes Iranian island where forces were preparing to launch mines, official says
The US military on Sunday struck Iran’s Larak Island, where forces were observed preparing to launch mines into the Strait of Hormuz, according to a US official, marking the first strikes in the war in over a month.
Bob on Business: Panther City BBQ smokin’ Northside, chicken lands in Near Southside
Also, Horned Frog tequila; industrial acquisition; and a growing logistics park.
Wisconsin High School Football Rankings: Top 25 Teams
The top five high school football teams in the state of Wisconsin remain unchanged — according to the Massey Ratings — following the second week of the 2026 season. Sixteen of the top 25 teams in the state remain unbeaten. Both No. 3 Bay Port and No. 5 West De Pere held serve with important […]
North Carolina: Rabid baby goats at a mobile petting zoo prompts health warning
On Friday, the North Carolina Department of Health and Human Services reported confirmed multiple rabies cases in baby goats at a mobile petting zoo located in Iredell County. They were first notified of a potential rabies exposure among four baby goats at Farm Adventures in Harmony, North Carolina on August 27. The goats were most likely exposed to rabies by a skunk that had entered the pen where they were kept in late July. The NC State Laboratory of Public Health confirmed rabies viruses in three of the baby goats on August 28; a fourth goat was not tested but is also assumed to have been infected. Based on information gathered on August 28, it was determined that no other animals on the farm pose a risk of rabies exposure to people. Learn about rabies Anyone who had contact with baby goats from the Farm Adventures mobile petting zoo either at their location in Harmony, North Carolina, or at an off-site event, between July 28 and Aug. 27, 2026, may have been exposed while the animals were infectious. Impacted individuals should contact their local health department to determine whether medications are needed to prevent infection. Individuals are encouraged to call before visiting an emergency department or urgent care clinic to determine if treatment is needed and where it can be accessed. Known potential exposure dates and locations include: July 28: Jurney’s Assisted Living, 1942 Van Haven Drive, Statesville in Iredell County July 30: Private event in Mecklenburg County Aug. 1: Community Connections Back-to-School Bash, Breeden Amphitheater, 333 S. Main St., Lexington in Davidson County Aug. 6: Brookdale Peachtree, 2806 Peachtree Road, Statesville in Iredell County Aug. 8: Private event in Watauga County Aug. 9: Private event in Burke County Aug. 15: Masonic Picnic Grounds, 201 Poplar St., Mocksville in Davie County Aug. 16: Private event in Durham County Aug. 22: Private event in Iredell County Aug. 23: Private event in Durham County Rabies is a deadly disease that can spread from wild animals to pets and people, primarily through a bite, scratch or when infected saliva touches broken skin or mucous membranes. Human rabies infections are extremely rare in the United States. No human cases have been reported in North Carolina since 2011. Rabies is almost always fatal in mammals, including people, unless medications to prevent infections are given before symptoms develop. Symptoms can begin weeks to months after someone is exposed. Early symptoms are flu-like illness including weakness, fever or headache as well as a prickling or itching sensation where someone was bitten or exposed. In 2025, over 4,000 animals were submitted to the NC State Laboratory of Public Health for rabies testing, and of these, approximately 6% tested positive. In North Carolina the disease most often occurs in wild animals especially skunks, raccoons, bats and foxes. Outbreak News Today is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe
Italian American Powerhouse AGBO Unveils New Hit Thriller ‘The Whisper Man’ on Netflix
AGBO's latest feature film, The Whisper Man, premiered Friday on Netflix and surged to the platform's no. 1 spot, marking another major release for the independent studio founded by Italian American filmmakers Joe and Anthony Russo. Based on Alex North's bestselling 2019 novel, the psychological crime thriller brings together an acclaimed cast led by Robert…
Report: Vikings preseason star has made the 53-man roster
Vikings preseason star Jacob Thomas set to make the 53-man roster.
Former Vikings starting QB released by the Jaguars
Former Vikings QB Nick Mullens was released by the Jaguars after they acquired Quinn Ewers.
Celebrity sightings in Connecticut in August 2026
In August, celebrities were seen getting married and taking the stage with local fans.
Nevada High School Football Rankings: Top 25 Teams
In the biggest matchup in the country, not just out West, Bishop Gorman took down St. John Bosco in a battle featuring two of the nation's true power programs.
Frederick filmmaker Brenda Emery talks scrappy, shoestring filmmaking
Frederick resident Brenda Emery has had a lifelong appreciation for movies of all kinds. The former college psychology major said she turned to film after realizing cinema was her stronger
Liverpool forward deal now in Leeds United's hands
Liverpool are in the process of shaking up their forward options. The Reds are buying Bradley Barcola from Paris Saint-Germain for a fee that could reach £123m.At the same time talks are underway to ...
St. Charles Park District: Building confidence, one Science experiment at a time
Column: Making soft, stretchy slime or dabbling in crafting Halloween-themed science experiences, there’s always a secret ingredient that instructor Lisa Lombardi brings to the table: Positivity, writes Melissa Rubalcaba Riske for the St. Charles Park District
Men, It’s Time to Put Your Health First
Between work, family, relationships, and everything else on your plate, it’s easy for weeks to fill up fast. For a lot of guys, that means health ends up taking a back seat. But the reality...
Journalism Matters: Business community mostly silent on 5-acre plan
There are a couple of hundred businesses, give or take, depending on how broadly you draw the circle around the “generational opportunity” at least some of us have attached to the dusty, dystopian 5.25 acres abandoned for a decade now at the corner of Kearns and Bonanza. You’ll forgive me, I think, for thinking I’d […]
What voters in the U.S. can learn from Australia’s political system
The overall tone of a parliamentary session I attended during a recent visit was kind, even jovial. It reminded me that we have to learn how to argue without the anger that’s infected our politics.
Dolphins cut 129-tackle starter in shocking defensive shakeup
The Dolphins are making a surprising change on defense, releasing Tyrel Dodson despite his career-high 129 tackles last season and clearing the way for rookie Jacob Rodriguez to take over a major role.
Apple Caught Off Guard by AI Demand for Mac Mini and Mac Studio
Apple's unusually timed announcement of new Mac mini and Mac Studio models this week was driven by unexpectedly strong enterprise appetite for AI hardware, according to The Information. Apple normally releases new Mac models in the autumn, closer to October or November, making this week's announcement unusually early, falling just before the anticipated arrival of new iPhone models. The Information says that the AI-driven boom in Mac Studio and Mac mini sales is behind the early launch.
GeForce RTX 3080 Drops From 138 FPS to 4 FPS When DLSS 5 Neural Rendering is Enabled; Reports Confirm Similar Performance Drop With RTX 30 Series
DLSS 5 Neural Rendering runs on RTX 30 series but suffers a 97% FPS drop, making it unplayable, while RTX 50 series officially supports it
NFL roster cuts 2026: Look at how 53-man rosters are taking shape at the cutdown deadline
Dolphins waive final backup QB, making their situation very clear
The Dolphins traded Quinn Ewers and reportedly waived Cam Miller, leaving just two quarterbacks on the roster. However, they're now waiving another.
Apple reportedly considered launching a new Apple Pencil for iPhone Ultra
Apple’s first foldable iPhone should be making its debut in just over a week. In the development process, Apple was...
Report: Apple Watch Series 12 may feature always-on heart-rate tracking, new Fitness app
According to Bloomberg’s Mark Gurman, Apple has a couple new features in the pipeline for Apple Watch Series 12 and...
Why the United States Can’t Quit Its Wars
The country’s longest war came to an end exactly five years ago. Today it offers lessons for policymakers seeking to avoid an endless war in Iran.
Is Swansea City's attacking transfer business already paying off?
Swansea fans were keen to see signings on the wing, and on the evidence of the first three Championship games, the additions have paid dividends.
The cost of despair: Preventable deaths surging among Latinos in the U.S., data shows
The Latino community’s long-documented health resilience is breaking down.
Former Red Wings Executive Rips Detroit’s Current Direction
Former Red Wings executive Neil Smith says Detroit remains in “chaos” with its GM search and Dylan Larkin trade request unresolved.
Steelers shockingly release fan-favorite linebacker amid final roster cuts
The Pittsburgh Steelers have parted ways with fan-favorite linebacker Elandon Roberts despite his strong preseason performance.
Healthcare data breach exposes 3.75M patient records
The CareCloud data breach exposed Social Security numbers, banking information and medical records belonging to more than 3.75 million people.
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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