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Beijing investigates researchers after Student Geng allegations
NSFC names more than 40 researchers at 31 institutions in its biggest disclosure to date, following blogger’s allegations in April.
Reading 5-0 Mansfield Town: Player Ratings
Another strong showing, this time at home to Mansfield, helped Reading get up and running in the league.
Inter Milan star responds to Barcelona transfer links
Inter Milan striker and captain Lautaro Martínez has this week spoken publicly for the first time on the recent transfer speculation linking him with a move to La Liga champions Barcelona.Frontman La...
Rural health, data, and data challenges in the age of rural transformation
In Part two of AHCJ's 2026 Rural Health Webinar Series, we talk with ETSU's Michael Meit about rural health data.
Driscoll offers no reason for his exit as Army secretary but says Wednesday is his last full day
Dan Driscoll has announced that his last full day as U.S. Army secretary is Wednesday, but his social media post offered no explanation for why he is stepping down after 18 months as the service's civilian leader.
Premier League Clubs Spend Record $4.7B on Player Transfers
The Premier League’s transfer spending dwarfed the rest of Europe’s Big Five.
Intermountain Health Unveils Plans for New Intermountain LDS Hospital in Downtown Salt Lake City
Intermountain Health unveiled plans today for a new Intermountain LDS Hospital in downtown Salt Lake City, marking a transformational investment in the future of healthcare for Utah residents and reaffirming a commitment to serving the community for generations to come.The new hospital will be located on an approximately eight-acre site at 745 S...
Auburn vs. Baylor Preview And Prediction
There might not be another player I’m more interested to watch this weekend than DJ Lagway . We already know about the talent. Now we find out whether a fresh start can finally unlock it. Lagway transferred to Baylor after throwing for 4,179 yards and 28 touchdowns during two seasons at Florida , and he’s…
UConn Health Minute: Precision Radiation
Advanced technology is transforming radiation therapy by making treatments more precise and personalized. In this UConn Health Minute, experts explain how a ...
Monaco CEO explains why Folarin Balogun cancelled Everton transfer
Monaco's CEO said Folarin Balogun felt mistreated by Everton after the Premier League club found issues in his medical.
Penn State Dairy Barns made animal science student 'feel at home'
Three years of working in Penn State’s Dairy Barns have been impactful for Hannah Mansfield, a spring 2026 College of Agricultural Sciences graduate who is pursuing a master’s degree in animal science.
How a former ARPA-H director's startup is tackling AI's ‘dumb problems’
In this edition of STAT's AI Prognosis: A startup tackling the 'dumb problems' at the intersection of AI and bio, accuracy of AI scribes, and more.
Failed Everton transfer has implications for Arsenal & Chelsea
Folarin Balogun’s transfer to Everton fell apart late on deadline day, denying Arsenal a sell-on fee and seemingly causing significant problems for Chelsea in the process.Photo by Jamie Squire/Getty...
New literacy law brings science-of-reading training to hundreds of…
Oklahoma is beginning to implement a major overhaul of its approach to reading instruction after years of dismal literacy outcomes, with hundreds of…
Chaos reigns at Everton
As timelines go, turbulent doesn't really do justice to the final days of Everton's transfer window. First, Everton CEO Angus Kinnear declared in an interview with BBC Radio Merseyside on 18 August that the club were in a stable financial position heading towards the end of the transfer window. Two weeks later, and with just two days of the transfer window remaining, the club accepted a £40m bid from Nottingham Forest for highly rated academy graduate Harrison Armstrong, a move that collapsed following fan backlash.
Stoke improve despite Thomas exit
BBC Radio Stoke's Mark Elliott reflects on Stoke City's first win of the season despite the transfer of influential player Sorba Thomas to Hull City.
Now that the business is done, how would you rate Juventus’ summer transfer window?
The dust is starting to settle, but there are certainly more takes to have about the business that has been done of late.
Opposition Lowdown: Mansfield Town Starting Season Strong
Reading return home this Wednesday with an evening game under the lights of the SCL, facing Mansfield. Join us as we take a closer look at the opposition.
$50B Rural Health Transformation Program needs more transparency, groups say
States must submit progress reports to the federal government but aren’t required to post those reports or related information publicly.
How do you rate Chelsea’s 2026 summer transfer window?
Busy busy bees
Newcastle 2.0 Underway After Transformative Transfer Window
Matthias Jaissle’s tactical revolution takes shape at St James’ Park as marquee signing Matias Fernández-Pardo headlines a ruthless squad overhaul built on youth, intensity, and strategic identity.
More than half of Premier League clubs break transfer records
More than half of the Premier League's clubs have broken their transfer records in a summer window featuring four of the top flight's five most expensive ever deals. After England internationals Elliot Anderson and Morgan Rogers joined Manchester City for £116 million ($157 million) and Chelsea for £117 million respectively, the final two days of the window brought an even bigger pair of deals as summer spending pushed beyond last season's record of £3 billion, with the final figure yet to be co
Balogun drama ends with Everton transfer falling through
A timeline of the failed transfer as the USMNT international walks away despite an agreement between Everton and Monaco
5 USA Regulars Who Secured Summer Transfers To European Clubs
Five U.S. national team regulars found new clubs during Europe's just-closed summer transfer window.
See the biggest deals on European transfer deadline day
Phew!September 1 was, as expected, INTENSE in the transfer market.Clubs from Europe’s Top 5 leagues only had until this Tuesday to bring in more reinforcements.And plenty of teams opened their walle...
Deadline day: Enzo Fernandez makes £125m Manchester City move
Manchester City have equalled the British transfer record by signing Chelsea midfielder Enzo Fernandez for £125 million ($169 million) at the end of a dramatic deadline day in the Premier League. From title contenders to relegation candidates, teams across the division spent big to bolster their squads before summer window closed at 11 pm (2200 GMT) on Tuesday.
What Box Office Bomb Crushed Obsession on Streaming?
(Welcome to my weekly streaming ratings report, the single best guide to what’s popular in streaming TV and what isn’t. I’m the Entertainment Strategy Guy, a former streaming executive who now analyzes business strategy in the entertainment industry. If you were forwarded this email, please subscribe to get these insights each week.) Before we get into this week’s issue, let me ask you for some suggestions. At the risk of coining too many names for too many things (hence my dictionary of terms...), I need a name for straight-to-streaming films that are too expensive to justify a straight-to-streaming release, but not big enough to justify a theatrical release. Like some of the films I highlighted in last week’s tally of the biggest film flops of 2026 so far: Hulu’s Mike & Nick & Nick & Alice, Pizza Movie or Never Change! They don’t feel like “made for TV movies” (think Hallmark and Lifetime movies, cheap Netflix romcoms, or Disney Channel Original movies, for example) but they don’t feel big enough for the big screen. They’re not “cinematic” enough, so to speak. As I wrote... “I still need a name for this middle zone of film that’s too expensive to go straight-to-streaming but too small to justify a theatrical release (with all the PR, distribution, marketing and whatnot costs that go along with it), the Goldilocks zone of streaming film death.” Friend of the newsletter Brandon Katz has suggested the “Bermuda Budget Triangle”, “The Platform Gap” and “The Distribution Deadzone”. I love that first one. I’d offer up the much wordier “The Streaming Budget Dead Zone” or “the Goldilocks Zone of streaming film death” but that last one isn’t accurate since, unlike Goldilocks’ porridge, these films are the opposite of “just right”. That’s the problem! Anyway, if you have any suggestions, let me know! On to today’s Streaming Ratings Report. As you can tell by today’s headline, things are going to be spicy! I’m looking at a box office bomb that did really, really well on streaming, somewhat challenging a few different narratives. And another Netflix series declined in its second season. All that, plus Wicked: For Good switching streamers, The Hawk continuing its strong run, _The Bear’_s finale season finally dropping off the charts, the WNBA posting a big viewership number, “shallow libraries”, a sitcom spinoff failing to launch, more big budget IP flopping on Paramount+, all the flops, bombs and misses, and a whole lot more. Let’s dive right in! (Reminder: The streaming ratings report focuses on the U.S. market and compiles data from Nielsen’s weekly top ten viewership ranks, Luminate’s Top Ten Data, JustWatch and Reelgood interest data, Samba TV household viewership, company datecdotes, Netflix hours viewed data, Google Trends, and IMDb to determine the most popular content. While most data points are current, Nielsen’s data covers the weeks of July 20th to July 26th, 2026. You can find a link to my terminology here.) Subscribe Film - The Latest Theatrical Success Story on Streaming In the latest edition of “Flops, Bombs and Misses of the First Half of 2026”, I made a crucial change: I started including theatrical films with the streaming misses. The streamers have collectively—including Netflix, but not to as big of an extent—stopped making a lot of straight-to-streaming films, and the ones they do make aren’t as expensive as in the heyday of the streaming bubble. After the following two films bombed in theaters, you’d guess that they’ll be included in my next collection of flops, bombs and misses six months from now: Masters of the Universe on Prime Video (only $64 million domestic box office) Mortal Kombat II on HBO Max ($79 million domestic) But you’d be wrong! Masters of the Universe, a reboot of the He-Man franchise, a toy from the 1980s, came to streaming on 22-July and did great! This long-gestating project—it’s been at every studio for years, and came close to getting a greenlight at Netflix—then finally came to theaters in June, and showed up on streaming less than two months later. (I don’t love this short theatrical window.) It surprisingly grabbed nearly 20 million hours on its debut: That means, wait for it, Masters of the Universe is currently the eighth biggest film on streaming through two weeks. My rough bar for “hit” is shows or films in the top 15%. Ergo…Masters of the Universe is a legit, streaming hit! (One quick caveat: if it falls out of the top ten next week, it will move to 13th overall, just on the edge of the top 15.) Of course, that’s the data for just 2026. Here’s how it stacks up to Prime Video’s theatrical films: That drop into its second week is typical for Amazon films, but also a worrying sign. I have a feeling interest in this film is front-loaded and we’ll see it drop off after this. As for Mortal Kombat II, in this case, the viewership numbers roughly match the theatrical outing, with only 4.1 million hours in its first week. Here’s how it stacks up to other HBO Max films: The best defense of this number is that, as a relatively violent rated-R film, Mortal Kombat II never had a good chance at breaking out. So now it’s time for a little big of “Entertainment Nuance Guy”: First, yeah, my headline is obviously facetious, since Masters of the Universe besting Obsession says more about horror as a genre than it does that film. Second, I read and listened to quite a few “nobody wanted this IP” takes about Masters of the Universe, and that’s not really true. At least enough people wanted it to power a 20 million+ hour debut! Third, both this film and Mortal Kombat II were considered “average” by viewers, but not great films, with a 6.4 and 6.3 respectively on IMDb. That’s just shy of the level needed to be a word-of-mouth hit. Fourth, in the olden days, strong word of mouth could transform a box office miss into a cable/DVD hit, like Austin Powers or The Shawshank Redemption. We haven’t seen a lot of examples of that on streaming, though. And there are far fewer ways to monetize the post-theatrical life of a film these days. Fifth, Prime Video has shown an ability to push their own titles well, likely because they control the Amazon Fire TV ecosystem. Add it all up, and here’s my nuanced take on Masters of the Universe: it was a box office bomb, but, shockingly, a streaming hit. Unfortunately, while being a theatrical hit saves your film financially, being a streaming hit does not. Both Masters of the Universe and Mortal Kombat II had big budgets and needed to make more money in theaters to justify them. So…Straight-to-Streaming or Theaters? We’ve hit a really fun point in the streaming calendar, since the films that came out in theaters in April, May, and June are now arriving on streaming. So the “Do theatrical releases help streaming performances?” question is gonna get a fresh round of updates nearly every week. No single week will answer the question, but we may get some insights. For example, so far in 2026, it looks like theatrical films are lasting longer on the weekly Nielsen film charts. Here’s a list of films that have made the charts in their fourth or fifth week of release, separated by “for kids” and “general entertainment”: It certainly seems like theatrical films are lasting just a pinch longer on the charts, with Project Hail Mary being the current five-week champion. One Battle After Another did well for HBO Max too, and even The Sheep Detectives made it four weeks. The only exception to this trend? Obsession, which only lasted two weeks on the charts. You might tempted to overreact to this news. Don’t. Obsession is a huge horror hit, but horror just doesn’t do as well on streaming. By the way, here’s the Google Trends for various theatrical and stremaing films: Plus, when it comes to Netflix in four months, Obsession may have another big boost. Quick Notes on Film Note that when I write, “the streamers have pulled back on straight-to-streaming films” that doesn’t mean “abandoned” because Netflix is gonna Netflix. On 24-July, they released 72 Hours, a Kevin Hart comedy. Along with Eddie Murphy, Mark Wahlberg, John Cena and Adam Sandler, Kevin Hart is a streaming film star now. Did this latest one work? Not really. It only garnered two weeks of 13.2 and 12.2 million hours on its debut, well below the 20-million-hour hit threshold. It also was poorly received critically—a 44 on Metacritic—and by customers—a 5.4 on IMDb on 21K IMDb reviews. We’re just getting started with this issue, but the rest is for paid subscribers of the Entertainment Strategy Guy, so if you’d like to find out… The latest Netflix true crime doc to pop on the charts… How The Bear finished its run… Netflix’s latest Western to return to streaming… What Paramount+ animated film flopped… And what sitcom also missed… All the flops, bombs and misses… And a whole lot more… ...please subscribe! We can only keep doing this great work with your support. Coming Soon! I’m behind by a week, so we’ve got two issues coming your way this week, including one in a couple of days or so, then we’ll be all caught up**.** Next issue, inspired by The Super Mario Galaxy Movie coming to Peacock, I’m going to take a look at the workhouse of streaming TV: kids films. Plus The Devil Wears Prada 2 continues theatrical films’ big run on streaming. All that, plus another surprise hit on Hulu, Lioness on CBS, and a whole lot more. Long term, LeBron James is filming his own “Last Dance”-style docu-series, surprising no one. But as I’ve been writing about a lot this summer, this genre is really overrated, so whoever ends up buying it (reportedly ESPN) really shouldn’t pay too much for it.
US Army has lost top figures driving transformation
With Driscoll's resignation, the service has lost its leaders spearheading Army modernization. Those initiatives are now on uncertain footing.
Indiana to discontinue routine hospital diversion
all emergency healthcare partners and Indiana State Health officials are ending the practice referred to as "hospital diversion."That's when an ambulance is rou
Marseille and Crystal Palace resume negotiations over Quinten Timber deal
Olympique de Marseille and Crystal Palace are reported to have reopened negotiations regarding a potential transfer of Quinten Timber (25), according to information from L’Équipe.Believing that the...
'Agreed a £3m deal' - Anthony Joseph Drops Celtic Transfer News
Anthony Joseph has confirmed that Celtic have agreed the £3 million deal on what is deadline day for English clubs.
Lynchburg’s Delta Star to be acquired
Lynchburg-based Delta Star, a maker of power transformers and mobile transformer substations, announced plans to be acquired Tuesday.
US military carries out new strikes on Iranian targets
The US military conducted additional strikes against Islamic Revolutionary Guard Corps targets in Iran on Tuesday, in response to recent attempted attacks against commercial shipping in the Strait of Hormuz and American troops deployed to the region, according to US Central Command.
Science behind Grand Canyon floods
The Grand Canyon is one of the nation’s most visited natural wonders, but this week’s disaster is a stark reminder that extreme weather can transform its landscape in a matter of minutes. Victor Baker, regents' professor of Hydrology and Atmospheric Sciences, at University of Arizona, gives insight.
CHI St. Vincent & CommonSpirit Health opt out of AR Blue Cross Blue Shield networks
CHI St. Vincent has opted out of the healthcare provider networks of Arkansas Blue Cross and Blue Shield and its associated health plans (Arkansas Blue Medicare
Army Secretary Dan Driscoll is stepping down after 18 months on the job, White House says
No reason was given for the departure of Driscoll, who is a friend of Vice President JD Vance, but tensions with Defense Secretary Pete Hegseth have been widely reported.
Gabriel Jesus: Arsenal forward completes Barcelona transfer in £8.6m deal on Deadline Day
Gabriel Jesus leaves Arsenal having scored 32 goals in 123 appearances for Arsenal since his £45m move from Manchester City in 2022; Jesus move is not expected to impact Barcelonas desire to sign Julian Alvarez
NSF award advances deep learning research at Mo State - News
Undergraduates will tackle real-world technology challenges through new research opportunities.
Alabama Rural Health Transformation Advisory Group digs into $144 million in grants
The administrators behind the Alabama Rural Health Transformation Program provided grant updates to lawmakers who oversee the initiative.
KPMG sets up new S.F. office in ‘AI Alley’ near Anthropic and Salesforce
KPMG opens its new San Francisco office at 505 Howard Street, featuring an Ignition Center designed for client collaboration on AI transformation and business challenges.
Kustom Entertainment, Inc. Enters Into an Agreement to Acquire TFL, LLC (dba Tickets For Less)
Transformational Acquisition is Expected to Combine Kustom’s Music Festival Platform with Ticketing & Distribution Engine; Expected to be Immediately...
Businesses Are Using AI to Transform Work, Not Cut Jobs
A look at the effects of AI adoption on workforces using the New York Fed’s business surveys in the New York and Northern New Jersey region.
Fulham open talks over late move for Bayern defender
With the transfer window nearing its end, Sacha Boey remains a Bayern Munich player, but a late move could now be on the cards for the French right-back.According to transfer reporter Matteo Moretto, ...
Chelsea Complete Striker Exodus As RB Leipzig Transfer Confirmed
Chelsea have finalised the departure of Marc Guiu to RB Leipzig.
Every done deal on transfer deadline day
Check out the significant signings and departures in the Premier League, Scottish Premiership, EFL and Women's Super League.
Reports: U.S. striker Folarin Balogun is headed on transfer to Premier League club Everton
United States striker Folarin Balogun is set to head to Premier League team Everton on a transfer from Monaco, British media reported on Monday. The transfer fee offered by Everton is reported to be in the range of 40 million pounds ($54 million) on a four-year deal, the British Press Association said. It said personal terms had yet to be worked out before the deal could be completed prior to Tuesday's transfer deadline.
Are Grapefruits Good for You?
You’ll get a good dose of vitamin C from grapefruit, but is it for everyone? A registered dietitian explains its benefits and who can eat it.
Cleveland Clinic: Most Men in Florida Are Skeptical of Health Advice from Social Media and AI
MENtion It survey finds social media can motivate men to improve their health while fueling misconceptions, despite growing awareness of misinformation online.
NSF launches three new Science and Technology Centers with $90M investment in transformative research
The U.S. National Science Foundation is investing $90 million over five years to support three new NSF Science and Technology Centers (NSF STC). These centers will advance American leadership in science and technology, strengthen the nation’s STEM workforce, and accelerate innovation in fields ranging from artificial intelligence and biotechnology to fusion energy and robotics., , , , The three centers will bring together researchers from universities, national laboratories, industry, and oth...
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.
We need more mega-science projects, says CERN Director-General
CERN's Director-General Mark Thomson advocates for more mega-science projects, highlighting the transformative Future Circular Collider during a Mumbai visit.
Hall of Famer Joe Thomas on skipping the NFL Draft to fish, raising Wagyu and transforming his health
Cleveland Browns legend Joe Thomas reveals how intermittent fasting and cutting processed foods helped him shed weight after retiring at over 310 pounds.
THE WEEK OF AUG 31, 2026
- Congress returns to face budget crunch - Science agencies targeted by hackers - NSF and Treasury announce quantum initiatives
Bradley Barcola transfer news: Liverpool complete £123m signing of France winger from PSG
Bradley Barcola joins Liverpool for a fee potentially rising to £123m; France winger becomes clubs second most expensive purchase behind £125m deal for Alexander Isak from Newcastle in 2025; Barcola follows Victor Munoz and Ronald Araujo into Anfield this summer
Six Florida State University faculty earn prestigious NSF CAREER Awards
Six early-career faculty members at Florida State University have earned the prestigious National Science Foundation CAREER Award, one of the federal
Seoul National University of Science and Technology develops AI framework to test and improve vision-system robustness
A new artificial intelligence (AI)-based system shows how natural damage to traffic signs can mislead deep neural network (DNN)-based vision systems. The framework, AdvWT, uses a generative model to learn realistic damage patterns and then optimize them to trigger misclassification. Tests across multiple AI architectures showed strong attack success, transferability and physical-world robustness. The approach can identify vulnerabilities and improve AI generalization to real-world damage.
HSV set for big win in Arsenal transfer talks
Hamburger SV are in talks to buy Fabio Vieira from Arsenal for around €10m, though a deal still hasn’t been fully agreed at this stage.Photo by Alex Pantling/Getty ImagesSami Mokbel reported for t...
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
Villa-Chelsea transfer links are about business, not friendship, says Emery
Aston Villa do not share a special relationship with Chelsea despite a number of transfers between the clubs in recent years, manager Unai Emery said on Sunday, describing the deals as purely business transactions.
Call of Duty: Modern Warfare 4 beta Steam numbers haven't budged in the second weekend, despite Warzone's arrival and transformative patch
Although many would argue the second beta weekend of Call of Duty: Modern Warfare 4 was better in key ways, the numbers seemingly didn't reflect that.
Scientists Capture First Molecular-Level Images of Water Reorganization During a Reaction Crucial for Life
New X-ray approach reveals how charge and surrounding water reorganize during a fundamental chemical reaction
Philippines’ richest billionaire agrees to buy African port operator spanning three countries
Enrique Razon-controlled ICTSI has agreed to acquire an African port operator with businesses in South Africa, Mozambique and Namibia
The Plaza brings new businesses and a community gathering space to downtown Corvallis
The Plaza in downtown Corvallis has transformed a former JC Penney into a community space featuring cafes, art studios, event spaces, and local business offices.
Is Swansea City's attacking transfer business already paying off?
Swansea fans were keen to see signings on the wing, and on the evidence of the first three Championship games, the additions have paid dividends.
The datacenter fight could permanently transform US politics. Which party will seize advantage?
The movement against datacenters are uniting Americans because they perfectly illustrate how a few individuals hold all the power to control decisions that impact our lives
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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