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Survey of young researchers raises concerns over future of science in U.S.
Fewer planning careers in academy, nation, and more doubt value of Ph.D. amid policy shifts in funding, international students
GOP consensus elusive on timing, scope of data centers bill
WASHINGTON — As anger mounts over the impacts of data centers, Republicans are wrestling with legislation that would address concerns over increased electricity and water demand that many voters associate
The Trent Grisham issue Yankees fans should be concerned about
This should concern the Yankees in September.
NFL: 'Deeply Concerning' Problematic Markets Still Available at Prediction Sites
The NFL's concern centers around markets that are easily controlled by one individual, are knowable in advance, or are subjective.
Moyes on transfers disappointment, 'small squad' and 'rallying' his team
Everton boss David Moyes has been speaking to the media before Sunday's Premier League game against Manchester United at Hill Dickinson Stadium (kick-off 14:00 BST). Moyes added he "has no concerns" that people will step up and play their part when needed.
Howie Roseman says biggest roster concern improved during camp
Young offensive linemen turned one of Howie Roseman’s biggest concerns into optimism.
Illinois Football Defense Remains a Concern
Illinois football opened the 2026 season with a 44-23 victory over UAB, but the Illini's defensive performance left plenty of questions.
RADIATION BUSINESS SOLUTIONS ENCOURAGES INDUSTRY-WIDE FEEDBACK ON PROPOSED MEDICARE PAYMENT CHANGES
Radiation Business Solutions (RBS) urges radiation oncology providers and industry leaders nationwide to join ongoing advocacy efforts concerning the CMS proposed CY 2027 Medicare Physician Fee Schedule.
Iowa State’s new president talks about university’s role in state
During his first months as president of Iowa State University, David Cook has traveled to nearly 40 Iowa communities, listening as residents, community leaders, business owners and others talked about their hopes for the future and challenges they face. One concern has surfaced again and again: finding and keeping workers. “Workforce and talent are a…
Ig Nobel prizes go to scientists studying cockroach milk, nose-blowing, buried underwear, more
Ten research teams were honored at a satirical science awards ceremony that was hosted outside the U.S. for the first time due to travel concerns. A study of cockroach milk was among the winners.
Private equity faces existential crisis in US as unsold companies pile up
Private equity firms and the companies they own employ over 13 million, from startups to rural hospitals and large retailers, but experts’ concerns of collapse are growing
What Trump’s new study says about support for trans rights — and why experts are worried
Researchers who study authoritarianism and political violence have major concerns about the study and how the administration plans to use it.
Scientists studying cockroach milk and nose-blowing win Ig Nobel prizes for quirky science
Ten research teams were honored Thursday at a satirical science awards ceremony that was hosted outside the U.S. for the first time due to travel concerns. Researchers who studied milk from cockroa…
Pacific Summit Backs Concerns Over China Missile Test Despite Nauru Dissent
While China expanded its economic and political ties with Pacific island states, Palau continue to maintain formal relations with Taiwan.
Scientists studying cockroach milk and nose-blowing win Ig Nobel prizes for quirky science
Ten research teams were honored Thursday at a satirical science awards ceremony that was hosted outside the U.S. for the first time due to travel concerns.
Entertainment over policy? White House arcade games ignite backlash
White House arcade games spark criticism for prioritising entertainment amid rising living costs and war concerns.
Vaping still a growing concern for Montana schools and health leaders
Montana schools are prioritizing vaping education and prevention as health officials warn 1 in 5 students have used e-cigarettes in the past 30 days.
Health officials warn of harmful algae in Hampton Lake in Portage
As health officials warn people to stay out of one Portage lake due to concerns about a harmful algal bloom, they are giving the all-clear for another.
California tire rules opposed by most Business Journal readers
More than 80% of Business Journal poll respondents oppose California's new replacement tire efficiency rules, citing concerns about consumer costs.
FDA finalizes recall due to heart devices sending delayed alerts—software update on the way
Boston Scientific is warning clinicians about an ongoing safety concern with its LUX-Dx family of insertable cardiac monitors. No devices need to be returned or replaced, but the FDA did finalize a Class II recall.
Thomas Massie introduces bipartisan "Flock-Off Act"
The cameras have faced scrutiny around the country over privacy concerns.
Bill would shift high school transfer eligibility decisions
(The Center Square) – The Illinois High School Association has concerns about new legislation that would allow decisions about transfer students’ athletic eligibility to be made by schools. House Bill 5808 would require the IHSA to allow high school student athletes to transfer with full eligibility if principals from both the sending and receiving schools provide written consent.
Scientists studying cockroach milk, nose-blowing win 2026 Ig Nobel prizes for quirky science
Ten research teams were honored Thursday at a satirical science awards ceremony that was hosted outside the U.S. for the first time due to travel concerns.
Should you trust AI with your health questions?
If you’re concerned about your health, AI chatbots promise detailed answers in seconds. One survey found 17 percent of adults ask AI chatbots health questions at least once a month.
Scientists studying cockroach milk and nose-blowing win Ig Nobel prizes for quirky science
Ten research teams were honored Thursday at a satirical science awards ceremony that was hosted outside the U.S. for the first time due to travel concerns.
Team Science: AI Helps Dentists Practice the Conversations that Matter
A University of Rochester collaboration is using an AI-powered virtual patient to help dentists strengthen communication, build trust and better respond to patients’ fears and concerns.
California to phase out paraquat over health concerns. What does this mean for farmers?
Studies have linked the widely-used herbicide to serious health conditions like Parkinson’s disease, birth defects and thyroid problems. But the California Farm Bureau says the move leaves growers with fewer tools and more costs.
“Shohei Ohtani Is Absolutely Cooked” – MLB Fans Sound The Alarm After Dodgers Superstar Gets Struck Out 4 Times In Loss To Cardinals
Fans expressed concern over LA Dodgers superstar Shohei Ohtani after he struck out four times in the team’s 8-6 loss to the Cardinals at home on Wednesday. The Japanese two-way phenom has gone 12 games without a home run or an RBI.
Kenya's President William Ruto orders crackdown on foreigners operating small businesses
It comes amid concerns over the growing number of traders from neighbouring countries.
As SU enrollment drops, international students say U.S. politics spark concern
Law, a political science professor, said it’s difficult to secure admission to a U.S. university as students worry about federal visa changes.
Nuclear power drive boosts southwestern uranium mills — and tribal health concerns
The Havasupai, Ute Mountain Ute tribes worry that a Utah uranium mill may foul groundwater as Trump administration boosts nuclear energy.
As election looms, Netanyahu turns his focus to his divided base
As Israeli Prime Minister Benjamin Netanyahu seeks reelection, his main concern these days isn’t his political rivals. It’s some of his biggest supporters.
With his eye on reelection, Israel's Netanyahu turns his focus to his divided base
As Israeli Prime Minister Benjamin Netanyahu seeks reelection, his main concern these days isn’t his political rivals | WBBM Newsradio 780 AM & 105.9 FM
Former caregivers raise alarms about staffing, resident safety at Bakersfield Sevita Health home
Former Sevita Health caregivers in Bakersfield speak out about staffing and safety concerns at a group home for adults with developmental disabilities.
Lions GM Pushes Back on Major Roster Concern
When the Detroit Lions released Terrion Arnold after his arrest, the team faced scrutiny for not doing enough to protect themself at the position. However, General Manager Brad Holmes made it clear that he feels good about the cornerback room, and they felt they had a good group whether Arnold was here or not. “We […] The post Lions GM Pushes Back on Major Roster Concern appeared first on HEAVY.
Judge Blocks Trump’s Second Try to Restrict Birthright Citizenship
The ruling raised concerns that babies already defined as citizens by the Supreme Court could have their citizenship revoked under an order the president signed in August.
Chicago alders request hearing on promotional campaign featuring Mayor Johnson
A group of Chicago alders is raising concerns with a "World Business Chicago" campaign featuring Mayor Brandon Johnson. Many have said the promotions look like campaign ads.
What’s behind the wave of Water Street business closures?
BizTimes Milwaukee editor Andrew Weiland discusses the recent closures of Lowcountry and Silk on Water, the district’s public safety concerns and what it could take to revitalize the downtown entertainment corridor.
Oklahoma butcher says beef prices haven’t hurt his business
Despite nationwide concerns over rising beef prices and cattle shortages, a local butcher says his business remains unaffected and continues to thrive.
Everyone can help: Recognizing the signs and preventing suicide
Mental health challenges affect people of all ages, backgrounds and walks of life. Yet conversations about these concerns aren’t always easy to discuss. That’s especially true when it comes to a topic like suicide, which remains a leading cause of death in the United States, responsible for more than 48,000 deaths each year. The impact […]
Measles concerns rise as Rochester-area students head back to school
As students return to classrooms across the Rochester and Finger Lakes region, health experts are urging families to be aware of measles amid a recent rise in cases.
Repression of political opposition surges in post-election Zambia
Following Zambia’s contested presidential and parliamentary elections almost three weeks ago, the crackdown on political opposition has intensified, raising concerns about the future of democracy in the country, according to a UN Human Rights Council-appointed expert.
Science Podcasts Separate Fact From Fiction In A MAHA World
Science podcasts are a vital counter to the surge of misinformation, conspiracy theories and concerns about official science by offering rigorous, fact-based content.
MyChart Medicare phishing scam raises concern among Philadelphia health systems
Pa. Attorney General David Sunday is urging residents to beware of unsolicited free offers and rewards.
America first, global health last?
The US is reshaping global health aid through bilateral deals and stricter conditions – raising concerns over funding gaps, sovereignty and whether a transactional model can replace decades of multilateral cooperation
New investment into perinatal care could help Iowa mothers with mental health concerns
A Coalville mother recounts her experience with postpartum psychosis, as Iowa invests federal funding to improve access to perinatal mental health resources.
Oil up nearly 1% as US and Iran trade fresh strikes
Oil prices rose nearly 1% in early trade on Wednesday, extending the previous session's surge, as concerns over supply disruption intensified after the U.S. and Iran exchanged strikes overnight, dimming hopes for a quick easing of tensions in the Middle East.
Bears’ Early Season Injury Concerns Test Ben Johnson’s Demanding Culture
Quarterback Caleb Williams' progress and a versatile roster have Chicago Bears GM Ryan Poles and coach Ben Johnson optimistic about defending their NFC North title coming out of training camp.
Advocates relieved, businesses concerned about long-awaited launch of paid leave
State officials announced the launch Tuesday of the long-awaited family leave policy that will let Marylanders take up to 12 weeks of paid leave to nurture a newborn baby, take care of loved ones or manage their own significant medical challenges.
‘Wheel of Fortune’ announcer Jim Thornton suspended amid ‘allegations concerning’ him
‘Wheel of Fortune’ announcer Jim Thornton has been suspended amid ‘allegations concerning’ him, a spokesperson for Sony Pictures Television tells EW.
Lake Austin business owners concerned about economic impact of lake drawdown in the fall
Next month, Lake Austin will be lowered about a dozen feet for maintenance, but business owners on the lake say they're going to take a big economic hit with the timing of it.
Giants' Malik Nabers Concerns Simply Won't Rest
The New York Giants' concerns about Malik Nabers are still floating around.
The Hundred Line Was Meant To Be Different Than Fire Emblem
The Hundred Line: Last Defense Academy’s battles make you less concerned for your characters’ lives than other strategy RPGs
Woman NYPD killed after Times Square stabbings had long mental health struggle, brother says
Her family became concerned when she missed their regular weekly gathering — the next time they saw her was one the news.
Bessent downplays bond market concerns amid global sell-off
Bond market investors are growing increasingly nervous as fighting resumes in the Middle East.
Democratic socialists' next hurdle: Winning over Black voters
DSA officials say their organizing is centered on economic concerns, from housing costs and food prices to stagnant wages.
Yankees' Elmer Rodriguez Concerns Have Reached New Heights
New York Yankees pitcher Elmer Rodriguez might not be a long-term answer.
Ig Nobel Prizes leave U.S. amid concerns about Trump policies
This year's Ig Nobel Prizes will be held in Zurich, Switzerland, Sept. 3.
Eagles’ interior offensive line depth eased a major concern
Drew Kendall, Willie Lampkin and Micah Morris eased one of Howie Roseman’s biggest concerns during Eagles training camp
Republicans’ midterm convention in Dallas is anything but conventional. Why is it happening?
Political science experts say it's a sign Republicans are concerned about how key races will play out, including in the decades-long GOP stronghold of Texas. They expect the convention's effects to be negligible in polls, but its impact at the ballot box is less certain.
AI Agents Are Learning to Skirt the Rules. Can Businesses Keep Them Under Control?
“Companies have no reliable way to know how a model will behave under pressure.” That concern inspired SnowCrash Labs, an AI safety startup with Darden alumni and student connections.
Bond yields are surging around the world as macro concerns spiral
Bond yields were on the rise globally on Tuesday, with investors spooked about wars, inflation, and a shaky fiscal outlook.
JD Vance confronts Jewish GOP skeptics ahead of a 2028 run
Vice President JD Vance has in recent months given voice to a rising skepticism in America toward Israel, leaving some Jewish Republicans uncomfortable, if not openly concerned, about the expected GOP frontrunner in the next presidential election.
Lionel Richie hospitalized after St. Louis show in latest health concern
Stop trying to maintain constant productivity: How you cope with stress changes with the seasons and your biological clock
Though you may expect your productivity and mood to remain constant regardless of context, these rhythms affect your ability to deal with the stressors in your life: parenting, health concerns, work deadlines and even inconveniences such as traffic jams.
Politics & Power: AI data centers spark backlash over costs, environment, security
Nick Allard, Dean of the Jacksonville University School of Law, joins News4JAX anchor Bruce Hamilton on this week's episode of "Politics & Power" to discuss AI's growth and rising concerns about utility costs, environmental impact, and data security.
Are Eagles growing concerned with Makai Lemon and Eli Stowers?
The Eagles' top-two picks in the 2026 NFL Draft struggled this summer.
Whistle-Blower Says Trump Officials Are Defying Court Orders on Voting by Mail
A report detailed “grave concerns” that a new system being rushed into use by the U.S. Postal Service could imperil millions of mail ballots ahead of the midterm elections.
Trump Mocks Data-Center Opponents as Wanting to Stay ‘Backwards and Poor’
The giant computing sites that power A.I. are increasingly opposed by communities across the country, a signal of voters’ concern about a changing economy.
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.
PGA Tour Revamping Fan Code of Conduct Amid Sports Betting Concerns
Several players have raised concerns about sports betting's impact on the game.
Iowa sports doctor, coach weigh risk of CTE as fall sports begin
High school football season has officially kicked off, but a recent study on the game’s potential for brain injury has some parents concerned.
Media Advisory: Stand Up for Science Hosting 'Empty Chair' Town Hall in Dayton on September 2
Public event will connect Stand Up for Science with science advocates and constituents in Mike Turner’s OH-10 district to hear their concerns.
Meitav Investment House Announces Immediate Report Concerning Selected Business Data for July 2026
/PRNewswire/ -- Meitav Investment House (TASE: MTAV) announced today that further to the Company's immediate report dated March 2, 2026 (Reference No....
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…
JD Vance set to address Jewish conservatives, as some Jews in GOP share concerns about his recent Israel remarks
Vice President JD Vance is set to address a gathering of Jewish conservatives on Monday, even as some Jews in the GOP have raised concerns about his remarks on Israel.
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.
South Korea court finds Unification Church leader Han guilty
A South Korean court on Monday found Unification Church leader Han Hak-ja guilty in a case concerning political funds law violations and bribery tied to alleged efforts to cultivate influence with former President Yoon Suk Yeol's administration.
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.
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.
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.
'14,000 runs for a reason'
England captain Joe Root is "not too concerned" about his recent modest returns with the bat, saying he has "14,000 runs for a reason".
Novak Djokovic Reveals Ongoing Health Concern Ahead of Pursuit of Historic 25th Grand Slam
Novak Djokovic has revealed a challenge he has dealt with for years as he prepares to pursue a record 25th Grand Slam championship. The post Novak Djokovic Reveals Ongoing Health Concern Ahead of Pursuit of Historic 25th Grand Slam appeared first on HEAVY.
Nearby business owner describes damage, calls for safety answers after explosion
A business owner near the site of an explosion says the force of the blast damaged his building, shut down operations for a day and raised concerns about the sa
Nearby business owner describes damage, calls for safety answers after explosion
A business owner near the site of an explosion says the force of the blast damaged his building, shut down operations for a day and raised concerns about the sa
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.
Drive for nuclear power boosts uranium industry — and tribal health concerns in Southwest
WHITE MESA, Utah — On a hot April day, Malcolm Lehi maneuvered his Jeep Wrangler over a rough dirt road past junipers and sagebrush in search of Entrance Spring on
Trump administration faces pushback after looking to privatize land on Yosemite National Park
A plan being considered by the Trump administration to allow a developer to use a portion of Yosemite National Park land is facing strong opposition from elected officials and conservationists, reflecting broader concerns about privatizing some of the country’s most cherished landmarks.
Putin Sparks Health Concerns With Deranged Tale of Polar Bear Slaughter
The Russian leader’s disconnect from reality was on stark display.
Dave Roberts reacts to concerning Shohei Ohtani development before Tigers game
Los Angeles Dodgers manager Dave Roberts gave an update superstar Shohei Ohtani's pitching status.
'Everything is connected': Readers share their concerns about extreme heat's health impacts
Are you worried about extreme heat? Live Science readers reveal their thoughts about Earth's rising temperatures.
The Earth is sizzling, but climate isn't a hot topic for Democrats in this year's campaigns
Climate change has become a less prominent election-year issue for Democrats as voters say concerns such as affordability are more pressing.
Gladys Knight 'easing into fewer' concerts after health concerns
Amid growing health concerns from family and fans after recent concerts, legendary singer Gladys Knight has announced she is reducing her tour schedule.
Gladys Knight 'easing into fewer' concerts after health concerns
Amid growing health concerns from family and fans after recent concerts, legendary singer Gladys Knight has announced she is reducing her tour schedule.
Pastor behind viral Dearborn clash discusses El-Sayed Senate bid, faith and political stakes
Pastor Lorenzo Sewell discusses his concerns about Michigan Democratic Senate nominee Abdul El-Sayed and the stakes of the November election.
Yankees Mailbag: Bullpen fatigue and salary cap concerns
The Yankees have help coming for the ‘pen, but is it too far away to save the current arms?
Gladys Knight Taking Break Amid Health Concerns And Worrying Performances
The great Gladys Knight will take a step back from the relentless touring that's marked her 75 years in show business.
UK urged to ban imports of Brazilian meat over health concerns
Brazil failed to prove compliance with EU rules on use of antibiotics in cattle and poultry farming