SCROLL NEWS / DISCOVERY
Search headlines
Find the stories shaping the conversation.
Results for " RAC " 21,464 found 🔀 AI-powered Shuffle
‘Slap in the face’: Wisconsin dairy farmers brace for impact with imported beef
One Wisconsin dairy farmer says he could lose $7500-10,000 a month.
Steelers Sign Massive Offensive Lineman
The Pittsburgh Steelers have signed offensive lineman Steven Jones to their practice squad, the team announced on Monday. Jones was […]
Young Kalshi users have traded an estimated $3.9B on sports and parlay-type contracts this year, exposing a loophole that lets them bet before age 21
Critics warn prediction markets let 18-year-olds make sports wagers while bypassing state betting age limits.
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.
The House returns with a short to-do list: From the Politics Desk
Plus, Republican anxiety in Ohio’s Senate race.
Los Angeles County Sues State Farm for Unfair Business Practices in Handling 2025 Wildfire Claims
Los Angeles County Supervisors Lindsey P. Horvath and Kathryn Barger announced that LA County has sued State Farm, alleging unfair business practices in the company’s handling of insurance claims filed by policyholders affected by the January 2025 Eaton and Palisades Fires.
Lola Petticrew Is Absolutely Spellbinding in ‘Furious’
The nonbinary actor turns in a stunning performance in the first season of ‘Furious.’
Policy updates aim to expand small business opportunities at TPA
The Hillsborough County Aviation Authority Board has approved important updates to the Airport’s business opportunity programs, with a stronger focus on helping small businesses participate in airport contracting and concession opportunities. The Small Business Enterprise (SBE) Program will help qualified small businesses to compete for constr...
Republican Candidate in Key House Race Bet on Her Own Campaign
The trading platform Kalshi issued a three-year suspension to the candidate, Laurie Buckhout, and fined her nearly $2,600. Ms. Buckhout said she had made a “dumb mistake.”
Detroit Lions Sign Promising Offensive Lineman to Practice Squad
The Detroit Lions are bringing offensive lineman Mason Miller back on their practice squad after his impressive debut at center in the preseason finale.
Austin American-Statesman: Yes to women in sports. No to rigid quotas in Title IX enforcement
The government should abandon its quota-driven enforcement policies and return decision-making about athletics back to schools and students.
49ers, Chargers top sports world poking fun at man who posed as 49ers player
Since two men were arrested with conspiracy to commit wire fraud and wire fraud, the story has dominated social media, with even athletes and sports teams chiming in.
49ers, Chargers top sports world poking fun at man who posed as 49ers player
Since two men were arrested with conspiracy to commit wire fraud and wire fraud, the story has dominated social media, with even athletes and sports teams chiming in.
MIT Quantum Initiative launches postdoctoral fellowship program
The MIT Quantum Initiative has launched a postdoctoral fellowship program supporting interdisciplinary research across quantum computing, sensing, materials, simulation, and networks while developing the next generation of quantum science leaders. ; quantum technology; quantum research; quantum computing; ; precision measurement; ; ; ; ; artificial intelligence; interdisciplinary research; postdoctoral fellowship; postdoctoral fellows; ; ; ; ; Research Laboratory of Electronics; MIT Lincoln Laboratory; MIT-Harvard Center for Ultracold Atoms
Flock Safety cameras face bipartisan scrutiny over privacy and misuse
The issue drew renewed attention after the arrest of a Kentucky police officer accused of misusing the cameras to track his ex-girlfriend more than 2,000 times
Eagles to sign former Bears’ OT to practice squad
The Eagles added some developmental depth to the OL room with a new tackle.
Take-Two Stock Drops Amid GTA 6 Leaks - Take-Two Interactive (NASDAQ:TTWO)
Take-Two Interactive Software Inc (NASDAQ:TTWO) shares are falling Monday, potentially facing selling pressure tied to a string of leaks surrounding "Grand Theft Auto VI" ahead of the game's Nov. 19 release.
Steelers signing former Cowboys DB to practice squad
The Steelers add a new face to the team’s safety depth.
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.
CT small businesses brace for higher costs from new tariffs
Connecticut small businesses say new federal tariffs are increasing costs and squeezing margins as they struggle to avoid raising prices.
Boosting youth literacy one goal of RoarCorps program
Editor’s note: This is the second story in a five-part series about the University of Arkansas at Fort Smith’s RoarCorps program. Link here for the first story. To help address...
Enjoy food, crafts and entertainment at the Pan African Village
Gwendolyn Muok, president of the Syracuse Onondaga County NAACP, discussed the importance of the NAACP Van Robinson Pan-African Village during its 33rd year at the New York State Fair.
Entertainment: U.S. Army Sergeant competes on 'America's Got Talent'
U.S. Army Sergeant Issac Atkins, of Schofield Barracks, is competing on "America's Got Talent."
Steve Sarkisan updates the health of Texas LT Trevor Goosby
The starting left tackle was back on the practice field for the Longhorns on Monday.
AU hosts House Blue-Ribbon Study Committee focusing on healthcare
“There’s a basic principle you have to remember: Where you train is where you’re likely to practice,” says MCG Dean David Hess, MD.
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.
Kalshi fines Republican in key House race, bans George Santos for life, after insider trading probes
The prediction market Kalshi on Monday fined the Republican nominee in a competitive House race and imposed its first-ever lifetime ban, against former Rep. George Santos, after insider trading investigations.
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.
Science Applications International Q2 Earnings Call Highlights
Science Applications International (NASDAQ:SAIC) reported second-quarter fiscal 2027 revenue of $1.9 billion, up approximately 5% organically, as the company cited broad-based growth across its markets and stronger conversion of existing contract backlog into revenue. Adjusted EBITDA totaled $193 m
A 104-year-old farmer’s $183,000 Deere tractor sale tests a U.S. farm recovery
America’s aging farmers have been holding on to machinery for longer than usual as low crop prices and rising costs squeezed their finances.
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
Democracy Works: Political status and the DSA summer
For our first episode of the fall season, we talk with a social movement scholar about whether the DSA's policies can win over enough votes to win in a general election and why political coalitions don't always align with the structure of America's two-party system.
Eagles practice squad tracker 2026: Filling out the squad
Here’s our tracker as the Eagles fill out their practice squad for the 2026 season.
Detroit Lions Make First Reported Practice Squad Addition
The Detroit Lions reportedly have their first 2026 practice-squad addition, with tight end Thomas Gordon expected to return after being waived Sunday.
In Massachusetts U.S. Senate race, challenger Moulton says Markey, 80, is too old for another term. Young Democrats are divided
The 2026 midterms have brought a number of generational challenges like the one Moulton is waging against Markey, with younger Democrats taking on — and in some cases unseating — longtime incumbents.
Trump admin shuts down 270 driving schools in fraud crackdown
President Donald Trump's administration continued its nationwide campaign against fraud with new announcements targeting trucking fraud in Detroit.
Pensacola Interstate Fair Unveils 2026 Entertainment Lineup and Schedule
PENSACOLA, Fla. -- Fairgoers in Pensacola can expect 11 days packed with concerts, competitions and crowd-favorite attractions when the Pensacola Interstate Fai
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
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
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
Steelers players recall hilarious impostor fan at practice
Pittsburgh Steelers edge rushers T.J. Watt and Alex Highsmith recalled a hilarious incident where a fan in a fake jersey snuck into practice.
CARES Celebrates 5 Years Providing Alternative Emergency Services in Madison
Madison's Community Alternative Response Emergency Services program, popularly known as CARES, turns five years old on September 1, 2026.CARES has been warmly embraced by the community and enthusiastically supported by local leaders since its inception. Developed specifically to address acute behavioral health emergencies that are non-violent in nature, CARES aims to provide timely care that is responsive to a person's specific needs.
Prominent Black Democrats rally behind Keisha Lance Bottoms
Republicans want to make Bottoms' record as Atlanta mayor a major liability in the governor's race, but her successor, Andre Dickens, offered an unequivocal defense on Sunday.
Instagram cracks down on AI accounts pretending to be human
Give us a proper AI filter, you cowards.
Politics, Pubs, Parades, + the Parish: Jim McGreevey, Part 2
McGreevey traces his path from the Middlesex County Prosecutor’s Office to the New Jersey Assembly, Woodbridge mayor’s office.
California to get more power to sue big businesses under anti-monopoly bill going to Newsom
California prosecutors would gain new powers to sue big businesses over anti-competitive practices under a bill Democratic lawmakers sent to Gov. Gavin Newsom.
In Texas, ordinary Muslim religious practices are increasingly being treated as political threats
After 9/11, suspicion of Islam hardened into an assumption in Texas that Muslim identity itself signals danger, writes a scholar of constitutional law.
Scientists discover two superconducting states hiding as one
Scientists have uncovered hidden complexity inside two ultrathin superconductors that seemed much simpler than they really are. Niobium diselenide and tantalum disulfide appeared to have a single superconducting state, but highly sensitive measurements revealed that each actually contains two strongly interacting states working so closely together that they masquerade as one.
Gwengwe asks to play up front after fast start
Newport County boss Hayden Mullins has revealed Shaquille Gwengwe jokingly asked to play up front after scoring his third and fourth goals of the season. Gwengwe, who netted 46 non-league goals in the past season, scored his first County brace as they drew 2-2 with Tranmere Rovers on Saturday. The 25-year-old has been deployed on the left wing for the Exiles so far this season, but would prefer to start in his more natural striker position.
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.
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
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.
Pocket's AI made my game ideas real. Now Meta controls the results.
Interactive mobile "gizmos" are easy to make, hard to share outside Meta's platform.
NASA launches Roman Space Telescope to explore dark energy and distant worlds
NASA’s Nancy Grace Roman Space Telescope is on a mission to probe dark energy, hunt for distant worlds and transform our view of the universe
Here are the local races to watch in the Massachusetts state primary Tuesday
In blue Massachusetts, the primaries are often the most decisive component of the election cycle. And there are several subplots to watch.
Adams County Health Department offers prevention tips as COVID cases rise in Missouri, Illinois
According to the latest CDC guidance, people who contract the virus can return to normal activities after symptoms disappear and they are fever-free for 24 hours without medication.
Analysis | The politics of the company you keep
The Senate race in Michigan is critical to Democrats, but associations may matter.
NASA’s Roman Space Telescope launches to reveal the Universe’s darkest secrets
NASA’s Roman Space Telescope has launched on a million mile journey to L2, where it will scan huge portions of the cosmos for clues about dark matter, dark energy, and distant worlds. With survey speeds roughly 1,000 times faster than Hubble and a torrent of 1.4 terabytes of data per day, Roman could uncover cosmic surprises astronomers have never seen before.
Bluebird 5K Run on Labor Day raises awareness about suicide prevention
Tallahassee's Bluebird 5K race on Labor Day honors those lost to suicide and raises up stories of hope and mental health recovery.
Two months until the midterm elections
Lone Star Politics sits down with former Tarrant County Judge Glen Whitely to talk about the closely watched race for U.S. Senate.
Voters hate data centers. Candidates from both parties are scrambling to respond
Across the country and the political spectrum, candidates are embracing a growing backlash to artificial intelligence and the infrastructure required to power it.
Here\'s when the Schreiber Center\'s Rubber Duckie Race and Festival returns
The Schreiber Center for Pediatric Development’s 38th annual Rubber Duckie Race and Festival will be 2-5 p.m. Sunday, Sept. 13, at 625 Community Way in Lancaster.
Data centers \'exploded\' in Pa. politics this year. How will it impact Lancaster County\'s 36th Senate District race?
Voters across the country are being inundated with campaign advertisements about data centers and artificial intelligence ahead of the November midterm election, including in Lancaster County’s highly competitive 36th Senate
Lone Star Politics: Aug. 30, 2026
A discussion on the race for U.S. senate ahead of the November midterms. Plus, the first midterm GOP convention comes to Dallas next week.
Seahawks GM Gets Blunt on Trevon Diggs Decision After Roster Cuts
On Aug. 30, the Seattle Seahawks decided to cut Trevon Diggs as part of trimming their roster to 53 players. Nonetheless, the Seahawks intend to sign the former Dallas Cowboys All-Pro cornerback to the practice squad. Diggs played in Seattle’s final preseason game against the Kansas City Chiefs, where he recorded one tackle and one interception. […] The post Seahawks GM Gets Blunt on Trevon Diggs Decision After Roster Cuts appeared first on HEAVY.
Private property rights challenge rural Colorado communities
If there were ever a topic I believe deeply in, it’s private property rights. If there were ever a topic that leaves me in a moral conundrum more often than not, it’s private property rights. The northern portion of Weld County is where towns like Grover and Hereford are hunkered down against the wind. It’s […]
Was CB Jabbar Muhammad the Jaguars Most Surprising Cut?
After spending his entire rookie season on the practice squad, the talented CB showed significant improvement this offseason and looked like a roster lock. Surprisingly, the Jaguars decided to subject Muhammad to waivers.
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.
Who will be the Packers’ third quarterback?
The Packers will eventually want to sign a third quarterback to their practice squad
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.
Interacting With AI Might Make You Act 'More Robot-Like', Researchers Warn
Could AI be changing us?
Opionion: Generational health is generational wealth
To close Connecticut's racial wealth gap, we must start treating health equity as an economic development strategy.
Seahawks GM addresses Terrion Arnold allegations after signing
Terrion Arnold cannot practice or play while his legal case and NFL review continue.
Government Contractors | Technology 2026: WILLIAM H. ‘BILL’ DEAN
CEO | M.C. DEAN | TYSONS/MIAMI BEACH, FLORIDA
Bayer's investigational PET tracer shows high accuracy for cardiac amyloidosis
The imaging agent could offer a new approach for diagnosing stiff heart syndrome, according to data presented during the European Society of Cardiology Congress.
Former BYU standout TE makes Browns final 53-man roster
Defying practice squad projections, the seventh-round rookie overcame a late-summer injury to secure his place in Cleveland.
Maui Chamber of Commerce and BizFlixTalk™ Bring Subsidized Business Growth Program to Maui Entrepreneurs
Maui business owners will have a new opportunity this fall to step back from the day-to-day demands of running a business and focus on what comes next through The Business Expansion Blueprint, a six-week interactive business-growth experience offered by the Maui Chamber of Commerce in partnership with BizFlixTalk.
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.
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.
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.
10 Practical Camping Gadgets Worth Buying From Tractor Supply
Tractor Supply may not be your first choice for camping gear, but it offers more than you might expect, including tools, sleeping bags, and cast-iron cookware.
Sankey, SEC 'prepared to contest' judge's order in Louisiana
While the SEC said it will comply with an order that prohibits commissioner Greg Sankey from issuing punishment if they roster a player who returns from a pro contract, the league said, in a Sunday statement to ESPN, it will defend its rights in court.
UC San Diego Receives Up To $11.3 Million to Develop Smarter Red Blood Cells
Researchers at UC San Diego have been awarded a DARPA contract to redesign red blood cells to temporarily boost human performance.
Patriots cut former undrafted standout ahead of roster deadline
The Patriots have reportedly cut running back Lan Larison with hopes of stashing him on the practice squad.
Health taxes: Overcoming technical and political challenges, including illicit trade concerns, and lessons from country experience
A virtual side event ahead of the seventy-seventh session of the WHO Regional Committee for the Western Pacific will explore how health taxes on tobacco, alcohol and sugar-sweetened beverages can reduce unhealthy consumption, generate revenue and support health priorities. Aligned with WHO’s 3 by 35 Initiative, the session will share country experiences in tax modelling, revenue allocation and addressing illicit trade, while highlighting practical strategies for advancing health tax policies. The event will be livestreamed on X, Facebook, YouTube and the RCM77 web page.
GTA VI Extended Gameplay Preview Attracted Over 4 Million Live Viewers
It's been known since Rockstar released the first trailer for GTA VI that the upcoming action game would have a massive impact on the gaming industry, and analysts have predicted week-one sales of $4.5 billion when the game launches in November. Following Rockstar's GTA VI showcase at Gamescom,...
6 DAYS TO 2026 KICKOFF: Darien Whitaker Jr.
BracketCat counts down the sixth day until the 2026 kickoff with a profile of Kansas State linebacker Darien Whitaker Jr.
Health officials warn of possible rabies exposure at events in this NC County
Possible rabies exposure has been traced to baby goats from a mobile petting zoo that hosted multiple events across the state, including in Durham County.
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
Rams practice squad tracker
The Rams will be able to officially sign 16 players to their practice squad starting Monday
Talarico Is Out-Fundraising Paxton and Flooding the Airwaves in Texas Senate Race
The Democratic candidate is on the offensive, giving his party hope in the deep-red state.
NASA's newest space telescope launches on a quest to explore the hidden universe
The bus-sized telescope — named after the late Nancy Grace Roman, NASA’s first chief astronomer — will take more than three months to reach its destination.
This baby boomer vs. Gen X Senate race emerges as key test of generational change in U.S. politics and what age is too old for Congress
Sen. Ed Markey is 80, while his rival, Rep. Seth Moulton, is 47.
Seattle Seahawks 2026 practice squad tracker
Once the Seahawks have their 53-man roster, it’s time to build their initial practice squad.
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...
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.
Iconic singers, groups headline list of country music acts saying goodbye in 2026
Some of country music's most popular acts might not be seen again after this year.
Can apps really make you fluent in another language?
A green owl can nudge you to practice, but it doesn't replace talking to a person.
1.4-million-year-old footprints reveal a surprisingly large human relative
Ancient footprints in Kenya reveal that eight Paranthropus boisei may have traveled together 1.4 million years ago, with some individuals reaching surprisingly large, human-like body sizes. The tracks offer a rare glimpse of their social behavior and suggest these extinct human relatives may have lived in more complex groups than previously thought.