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Massachusetts Democratic primary is a generational clash as Rep. Seth Moulton targets Sen. Ed Markey
Massachusetts Democrats head to the polls Tuesday in a Senate primary that could reshape the party's future. Will generational change win out? 🗳️
Jared Freid finds his comedy calling in new Netflix hour 'The Family Plan'
Jared Freid’s new Netflix hour, “The Family Plan,” turns a beach blowup with his dad into a sharply observed, big-hearted look at boomer-millennial family warfare and reconciliation.
Stan Kroenke buys Angels, ending Arte Moreno's troubled tenure
Rams owner Stan Kroenke has purchased the Angels, marking the end of owner Arte Moreno's tenure and Kroenke's first move into Major League Baseball.
Congress averts a government shutdown ahead of the midterms
With just a few weeks to spare, the House approved legislation extending funding through mid-December.
Bessent downplays bond market concerns amid global sell-off
Bond market investors are growing increasingly nervous as fighting resumes in the Middle East.
Tahoe Chamber launches four-part ‘Level UP: AI for Small Business’ webinar series
LAKE TAHOE, Calif. — Tahoe Chamber is launching a new four-part Level UP: AI for Small Business Webinar Series, designed to help local business owners move beyond the buzz around artificial intelligence and learn practical...
The Huntington acquires vast Integratron archive
The Huntington has acquired a vast Integratron archive chronicling creator George Van Tassel, UFO encounters and a unique chapter of California history.
Ocean heatwaves linked with poorer health among children in coastal communities
Marine heatwaves — periods of abnormally warm ocean temperatures — may have negative health effects on children who live in coastal communities in low- or middle-income countries, according to a study led by researchers at Penn State and the University of North Carolina at Chapel Hill.
First Choice Business Brokers Launches Multi-Channel Franchise Development Initiative to Meet Surging Demand for Business Broker Franchise Ownership
Las Vegas, NEVADA, Sept. 01, 2026 (GLOBE NEWSWIRE) -- First Choice Business Brokers (FCBB), a nationally recognized business broker franchise wi...
Scottsdale investment firm acquires Shasta Pools, plans nationwide growth
It was more than a year ago when Jeff Thiessen, president of Scottsdale-based Dansons Capital Group, was in the middle of having a pool built in his backyard when the builder couldn't finish the job.
Judge rebukes HHS over AI use in cutting teen pregnancy prevention grants
He wrote that grant solicitations for changes to funding reference public health studies that appear not to exist or do not support what they are cited for.
Using AI in Your Business? Don’t Overlook the Intellectual Property Risks
Artificial intelligence continues to reshape how businesses create content, develop products, and manage their brands. At the same time, courts, regulators, and the USPTO are still working through how existing intellectual property laws apply to AI-assisted works, AI-generated outputs, and AI-enabled business tools. For business owners, the key takeaway is…
Interface’s Minné joins Penn State Smeal Sustainability Advisory Board
Travis Lesser, director of the Penn State Smeal College of Business Center for the Business of Sustainability, has announced the addition of Liz Minné to the Smeal Sustainability Advisory Board.
Tahoe TAP Podcast — The Science Behind Lake Tahoe with Dr. Stephanie Hampton – UC Davis Tahoe Environmental Research Center
Lake Tahoe is one of the most studied lakes in the world, and understanding what’s happening beneath its famously clear surface is critical to protecting its future. On this episode of Tahoe TAP, hosts Mike...
'It's bad for business': Lincoln Park water rate hike goes into effect today
Starting today, residents and businesses in Lincoln Park are facing higher water bills following the city's decision to raise rates by as much as 28 percent.
Postal Service plans may keep voters from getting ballots, whistleblower says
An anonymous federal official warns that a rushed USPS portal tied to Trump’s mail-voting order could reject large batches of ballots before the midterms.
Made in America: How AI is keeping this U.S. factory competitive
GE Appliances is leaning heavily into artificial intelligence to improve quality and efficiency on the factory floor.
A NY hospital tried to close its birthing center. This city united to fight back
Democrats and Republicans in Troy, New York, took on a national Catholic health system and kept the county's last birthing center open.
What can seashells teach us about the health of our oceans?
Seashells: They're beautiful remnants to carry home from the beach—and so much more! According to environmental journalist Cynthia Barnett, seashells record history more accurately than the humans who first wrote it down. In this episode, we talk about the science of seashells, their impact on humankind and the scientist behind a very famous tongue twister.Check out Cynthia’s book The Sound of the Sea and check out Emily’s reporting on sandcastles.Interested in more marine biology stories? Email us your question at shortwave@npr.org.Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show’s hperks include sponsor-free listening. Learn more at plus.npr.org.
The Five Questions You Should Ask Before Believing the ‘Science of Math’ (Opinion)
Here’s why we should be wary of people claiming to have found the next ‘science of reading.’
$7.5-billion California science bond measure awaits Newsom’s sign-off
California lawmakers sent a $7.5-billion science research bond measure to Gov. Gavin Newsom. If signed, it would go before voters on the March 2028 ballot.
‘Most’ of Star Wars Zero Company studio Bit Reactor was furloughed ahead of launch
Last week was meant to be a moment of triumph for Bit Reactor, the Maryland-based game studio founded in 2021 with ambitions to create a great new tactical combat game. On Thursday, August 27, Bit Reactor’s debut title, Star Wars Zero Company, released to stellar reviews. And, from the Gamescom show in Cologne, Germany, studio co-founder Greg Foertsch was giving interviews discussing what the studio’s next game may be. But for many developers on the game, launch has been bittersweet. Fans love it. Critics prefer it to most recent Star Wars games. Zero Company, which is out for PS5, Xbox Series consoles and PC, is the top-selling game on Steam. Much of the team that made it, however, is currently going without pay. They were furloughed, just weeks ahead of the game’s launch. A rep for Bit Reactor confirmed to Game File today that the studio had furloughed many of its workers prior to the game’s release. They said it was a difficult decision and one that had been made before it was clear how launch would go. The rep emphasized that the call to do this was Bit Reactor’s alone (meaning not from publisher EA nor Star Wars license holder Disney). While the rep declined to comment on the scale of the furloughs, a previously unreported lawsuit brought by studio co-founder Alison Kelly in 2024 noted in a filing from August 12 of this year that Bit Reactor “has furloughed most of its employees and terminated contractors…” One source told Game File the furloughs impacted 80% of the team; another referred to there only being a skeleton crew left on Bit Reactor’s active payroll, ready to address any of Zero Company’s post-launch bugs. The issue is that Bit Reactor, a studio formed in 2021, had run out of most of its money just ahead of the launch of its first game. Over the weekend, Zachariah Scott, a senior technical artist who worked at Bit Reactor from early 2023 until an acrimonious exit this past May, said on LinkedIn that the studio was “concealing the fact that the team was Furloughed weeks ago.” Reached by phone today, Scott told Game File that he spoke to nearly a dozen Bit Reactor workers over the weekend. “Everybody has essentially the same story, which is, ‘Yeah, I got furloughed three weeks ago.” The Bit Reactor rep told Game File that the studio hoped to bring furloughed workers back, suggesting that a successful launch of the game could be impactful. Scott told Game File that workers he spoke to were less confident that even if there were returns, that all who were furloughed would get their old jobs again. A heated dispute Bit Reactor’s mid-2026 was almost even more tumultuous. The lawsuit by co-founder Alison Kelly that first revealed the furloughs was initially slated to go to trial in June. The suit is a she-said/he-said about whether Kelly, until 2024 the chief operating officer of Bit Reactor, was a co-owner of the studio or whether it was solely owned by Greg Foertsch. In July 2024, Kelly sued, saying she was pushed out by Foertsch. She first sued in federal court and later refiled in Maryland’s Baltimore County, alleging breach of contract and that Foertsch had unjustly enriched himself. Kelly cited damages of over $20 million, on the basis of Bit Reactor allegedly being worth more than double that. Foertsch’s side has said Kelly was never a co-owner and has countered with claims about her job performance (which she has denied). The June trial was postponed until early 2027, as both sides have been deposing witnesses and filing more claims and denials along the way. Amid all of that, filings in the lawsuit reviewed by Game File paint a picture about Bit Reactor’s origins, early aspirations around tactics games, the team’s breakthrough in drawing the attention of Electronic Arts with the help of a pitch tied to one of EA’s non-Star Wars franchises, and early fractures among its co-founders. The real story about the company behind Zero Company
SU Art Museum 'Space and the Sacred' contrasts religion, science
The Syracuse University Art Museum's latest exhibit showcases pieces by Letterio Calapai that explore space and Catholicism.
Trump calls for federal tax incentives to revive U.S. film industry
President Trump on Monday urged Congress to approve federal tax incentives aimed at reviving American film and television productions.
Live updates on the Massachusetts 2026 primary election
Follow along for our coverage of Massachusetts’ Markey-Moulton Senate matchup, the challengers to longtime House representatives and the Suffolk district attorney showdown.
Music and entertainment marathon planned for Labor Day weekend along the bay at Matanzas Inn, On the Bay
A three-day marathon of music and entertainment is in the works this Labor Day weekend at Matanzas Inn, On the Bay, and Petey’s Upper Deck. The businesses will be hosting live music and entertainment as part of a new event being called “Bash on the Bay” by organizers. The bash will be held Sept. 5-7 […]
The science of sprinting | News | Budapest 26
World Athletics goes inside the numbers behind the disciplines on the Ultimate Championship programme. First up: the 100m.
Clymer principal discusses art, science courses
CLYMER – With the upcoming school year approaching, Brianne Fadale, Clymer Central School’s building principal, gave an update to the school board during their most recent meeting on some plans for some specific courses for the year with the current changes in staffing. As far as course scheduling goes, Fadale said that things are being […]
Nonbank lender finds niche in airport concession business
Los Angeles-based Lendistry recently received a $100 million credit facility from East West Bank to support loans to airport concession operators.
UCLA fires AD Martin Jarmond, hires ex-Lakers exec Tim Harris
UCLA chancellor Julio Frenk announced on Monday that Martin Jarmond's tenure as UCLA athletic director is over, replacing him former Lakers executive Tim Harris.
William Jewell expands mental health resources to provide care after death of football star
William Jewell expands mental health resources to help students, staff and others deal with the death of MicahJo Barnett, standout football player and person
PlayStation Is Set to Pay Out $7.85 Million to Users as Part of Class-Action Lawsuit
PlayStation users may be eligible for a cut of a $7.85 million class-action lawsuit settlement very soon.
John Lynch says "nothing has changed" with Brandon Aiyuk's status
Brandon Aiyuk is out of sight, out of mind for the 49ers.
Trump officials cut political interference ban after unusual Census Bureau report
After the Census Bureau issued a report tied to a Trump-aligned think tank, the bureau's parent agency cut language banning political interference from its scientific integrity policy, NPR learned.
Federal Trade Commission and 22 states sue Amazon over advertising prices
The lawsuit claims that Amazon overcharged 1.2 million advertising customers by misleading them on prices for online auctions for ads
New CDC director delays adding Pennsylvania deaths to measles data
The deaths have been at the heart of a bitter political dispute between RFK Jr. and Gov. Josh Shapiro (D).
Owen Thiele and Jack Innanen on their slow-burn romance in 'Adults' Season 2
The actors spoke about their characters' big moment in the Season 2 finale of the comedy, the alternate ending they taped and where their relationship might go in Season 3.
Dolly Parton's estate announces Dollyfest, a two-day celebration
Dollyfest was originally set for January 2026 — around Parton's 80th birthday — but the star paused plans after experiencing health challenges in August 2025, according to her estate's press release.
Supreme Court lets White House continue construction on Trump's $400M ballroom
The lawsuit will return to lower courts, but documents say that key portions of the project could be complete within months
What does the Lindsay Clancy trial tell us about treating maternal mental health?
Lindsay Clancy is currently on trial for killing her three children.Prosecutors say the murders were intentional, but her defense team says she was suffering from severe postpartum psychosis -- a condition that does not have a distinct diagnosis in the Diagnostic and Statistical Manual of Mental Disorders.That's the handbook used to identify mental health conditions, so patients often have a hard time getting proper care.The case has put a spotlight on maternal mental health and how its treated by the public and healthcare professionals. What does it reveal?WBUR’s Deborah Becker contributed reporting to this episode.It was produced by Megan Lim and Karen Zamora, with audio engineering by Éowyn Fain, Hannah Gluvna and Ted Mebane. Our director is Jonas Adams.It was edited by Justine Kenin and Tinbete Ermyas.Our interim executive producer is Courtney Dorning.Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show’s perks include bonus episodes and sponsor-free listening. Learn more at plus.npr.org.
Supreme Court lets White House continue construction on Trump's $400M ballroom
The lawsuit will return to lower courts, but documents say that key portions of the project could be complete within months
Supreme Court clears way for White House ballroom construction to continue
The decision hands President Donald Trump a major political victory in his controversial bid to oversee the largest addition to the executive mansion in decades.
Cowboys waive QB Joe Milton
The Cowboys kept three quarterbacks on their initial 53-man roster, but they dropped to two on Monday, They have waived Joe Milton, which leaves Sam Howell as the only backup to Dak Prescott.
Oregon State Hospital order draws mixed reactions over mental health, jail policy
The state hospital has been turning away low-level offenders who are deemed too mentally ill to stand trial, following a federal judge’s order from June.
Funding Cuts, Public Trust, and AI Dominate Concerns for Physical Scientists, Survey Reveals
A new AIP survey finds nearly a fifth of physical scientists have lost federal funding since early 2025, with international travel and recruitment also affected.
Tackling lawsuit abuse on Inside West Virginia Politics
CHARLESTON, W.Va. (WOWK) – On this week’s episode of Inside West Virginia Politics, our guests join Rick Johnson to discuss giving away water, lawsuit abuse, housing children and a congressional ru…
Chiefs claim LB Jack Pyburn, DT Bryson Eason
Linebacker Jack Pyburn played at LSU last season and his potential return to the college ranks has been discussed quite a bit recently, but he's now set to be in Kansas City rather than Baton Rouge.
A chat with the leaders bringing a nationally recognized health care culture program to Vanderbilt Health’s Regional Hospitals
Now in its fourth decade, Vanderbilt Health's Center for Patient and Professional Advocacy is a cornerstone of health care culture transformation in the U.S. and the world. A Q&A on its influences on how staff and patients interact all around the Midstate.
Visual effects artist Phil Tippett shutters Berkeley studio
Phil Tippett, the designer behind many of Hollywood's iconic aliens and dinosaurs, is shuttering his visual effects studio in Berkeley.
Trump says voters who oppose data centers will ‘kill the Golden Goose’
The president defends the server farms as polling shows sizable shares of Americans from both political parties are opposed to them.
Q&A: building a radiology team for small-town Tennessee
Behind every scan at a Regional Hospital is a radiologist who also holds a professorship at Main Campus. Eric Wallace, MD, explains why that matters.
John Galliano's Met Gala 2027 exhibit canceled after backlash
Fashion designer John Galliano pays the price, again, for racist outbursts that upended his career more than a decade ago. His Met Gala 2027 exhibit has been canceled.
Plan to cut polling sites in Tarrant County draws protests as Senate race looms
Tarrant County could have 92 fewer polling sites on Election Day than in 2022. See what the proposal would change for voters.
Would You Eat a Cookie Made From Upcycled Plastic? Scientists Propose a New Way to Deal With Waste and Provide Food in Extreme Environments
A team of researchers programmed yeast to turn broken-down plastic and agricultural waste into sweet treats called µBites. They might come in handy during deep-space missions or in disaster zones, although some critics say the food is impractical
What If Every City Department Was a Public Health Department?
Dearborn Mayor Abdullah Hammoud is bringing health considerations into transportation, zoning, environmental policy and other everyday decisions that shape residents’ lives.
THE WEEK OF AUG 31, 2026
- Congress returns to face budget crunch - Science agencies targeted by hackers - NSF and Treasury announce quantum initiatives
The best movies, TV, books, arts and concerts to spice up fall
A look at our most anticipated picks for fall entertainment, from movies like "Wild Horse Nine" to "Digger" to "Sense and Sensibility," to new versions of "Pride and Prejudice" and "A Different World" on TV and books about Whitney Houston and Corman McCarthy.
MAD: Omnicom Combines Mediahub, Hearts & Science
The new agency network operates across 40 markets and represents approximately $9.1 billion in 2025 billings. It will be led in the U.S. by Nicole Estebanell, who previously served as CEO of Mediahub U.S.
Berkeley’s trailblazing adaptive sports nonprofit BORP turns 50
Long the “only game in town” for physically disabled athletes, it launched the country’s first power soccer program in the ’80s.
Meta’s Business Set to Escape Lawsuits Unscathed
Meta’s $17 billion settlement with state attorneys general includes a long list of restrictions for teen users, but it won’t hold back its underlying business.
Hurrdat Sports Introduces NebPreps Power Ratings
A new way to rank Nebraska high school football
New Texas laws expand repair rights, regulate solar sellers and recognize gold as money
Texas laws taking effect Sept. 1 will change how consumers repair electronic devices, strengthen oversight of residential solar sales and allow certain forms of gold and silver to be used as legal tender.
Column: California's fight against Trump's unhinged war on voting by mail
California could have some zany theater this fall: county prosecutors charging federal postmasters with felonies for obeying President Trump’s order to withhold delivery of mail ballots to voters.
California lawmakers greenlight a new San Diego sports arena, bypassing environmental hurdles
California leaders pushed through a controversial last-minute deal to protect the major project from environmental lawsuits.
3 things to try to improve your brain health
Keeping your mind active can help offer protection for years to come.
Sacoa powers cashless payments at new Saudi entertainment venue
Sacoa Cashless System has supplied the technology infrastructure for BOLTS, a new social entertainment venue in Jubail, Saudi Arabia, according to a press release. The installation includes 38 Spark RFID readers, three point-of-sale stations with readers, RFID cards, customer relationship management and online sales modules, and the Sacoa Mobile App. The integrated platform enables guests to access attractions and make cashless transactions while providing the venue with tools to manage payments and track customer activity.
Chatbots got safer but will still role-play self-harm with users
A study that staged more than 50,000 conversations with AI chatbots found that they will help users role-play or write stories about their suicide or death.
Why Chris Hansen hasn't seen the new film about 'To Catch a Predator'
Chris Hansen walked out of a screening of A24's "Primetime" rather than sign an NDA. Now he's buying ads before the Robert Pattinson film, in theaters Sept. 25.
High Fertility Costs Push Americans Abroad For IVF Treatment
By LJ Dawson and KFF Health News HealthDay ReportersMONDAY, Aug. 31, 2026 (HealthDay News) — In the summer of 2024, Emilie and Justin Solomon found themselves on a top-secret mission in Greece. Their family and friends thought the adventure-loving couple was on another jet-setting vacation, but they ...
Downtown Myrtle Beach business owners want drastic plan for homeless
Earlier this month, city police arrested multiple people under a loitering ordinance that's now the subject of lawsuits.
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.
AI streamlines search for new ceramics that generate electricity
To streamline the search for new piezoelectric materials, or those that emit an electric charge when manipulated, a team led by materials science researchers at Penn State introduced a new framework that combines an existing artificial intelligence model with human expertise and experimentation.
Lawmakers send bills to Newsom shoring up ballot security, transparency for paid political posts
California lawmakers on Sunday approved bills aimed at preventing interference in this fall’s midterm elections and requiring more transparency from social media influencers who are paid by political campaigns.
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.
BUSINESS BRIEFS August 31, 2026: Business news in the Berkshires and beyond
Business news from Berkshire HorseWorks, BFAIR, Berkshire Money Management, Berkshire South, and more
Vanderbilt University Medical Center sued after allegedly exposing dozens of patients to bloodborne pathogens
Many of the details are unknown, but a primary plaintiff in the lawsuit said the exposure stemmed from a contaminated solution used during a 2024 colonoscopy. An attorney representing the patient said as many as 100 people could have been exposed to bloodborne pathogens.
P JK Scott among final Chargers cuts
The Chargers do not have a punter on their initial 53-man roster.
Dolly Parton laid to rest in private Nashville funeral
Dolly Parton was laid to rest in a private Nashville service attended by immediate family following her death at age 80, her great-niece shared on Instagram.
Young adults mostly shrug at sports betting risks, study finds
Young adults are largely ambivalent toward sports betting, with many viewing it as an acceptable activity that also carries possible risks, according to a new study.
Plan to cut number of polling sites in a major Texas county draws protests as Senate race looms
Plans in one of Texas’ largest counties to use dozens fewer polling location than previous years is drawing protests from Democrats who say the reductions could create confusion in the November midterm elections.
LSSU’s Lukenda School of Business among 84 institutions worldwide featured in AI in Business Education Report
SAULT STE. MARIE – The Lukenda School of Business at Lake Superior State University has been recognized among 84 business schools worldwide for its efforts to integrate artificial intelligence into business education as part of the July 2026 edition of A Framework for Artificial Intelligence in Business Education. The report, developed by Inspire Higher Ed […]
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...
California Politics 360 full episode | Rep.-elect Aisha Wahab prepares for transition to US Capitol
State lawmakers have until Aug. 31 at midnight to change or create new laws for the year.
NASA's Roman Space Telescope launches with JPL tech aboard
The $4.3-billion observatory will aid the search for "Earth twins" and explore the nature of dark matter and dark energy.
Canada claps back at Trump's efforts to rename Lake Ontario as 'Lake America'
Ontario Premier Doug Ford has unveiled a giant billboard reading: "Lake Ontario — Now and Always." But tech giant Google has said it is renaming the lake for U.S. users, as President Trump demanded.
College sports kicks off its season under the long shadow of court fights over eligibility
Threats and lawsuits have rocked college sports for weeks. The NCAA's new five-year eligibility rule has led to lawsuits, with all major conferences barring players from returning after turning pro.
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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