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City to consider new Entertainment Zones in Sacramento where public drinking is allowed at events
Following the impact of the Rainbow Festival and Terra Madre Americas events, Sacramento City leaders will consider a new round of proposed Entertainment Zones.
Online entertainment sites in the context of U.S.-Israel business and technology
How American market scale and Israeli expertise in cybersecurity, AI, fintech and software are shaping the technology behind digital entertainment.
Bank of America employee Erin Piacenti killed in Times Square stabbing
Bank of America VP Erin Piacenti was killed in what police described as a "random and unprovoked" stabbing in Times Square on Monday.
How data centers complicate American politics
Opinion: Data centers are driving a political realignment, creating contradictions in Republicans’ and Democrats’ positions on the economy, environment and the working class, writes Sreedhar Potarazu.
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.
Politics keeps European stocks in America’s shadow
The bloc’s policymakers typically lean towards protecting consumers and taxpayers at the expense of investors
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.
How SBGA Helps Small Businesses Build Operations That Keep Up With Growth
. According to the U.S. Small Business Administration, small businesses account for the vast majority of American companies and employ nearly half the private-sector workforce.
Amendment 71: New Opportunity: A.16 Cryosphere
A.16 Cryosphere solicits high-impact efforts focused on sea ice, ice sheets, and glaciers. The expectation is that proposed investigations will use the wealth of data from NASA satellites and airborne campaigns to address the most urgent and impactful topics in cryospheric science, as identified in the National Academy of Sciences Decadal Survey, Thriving on Our Changing Planet: A Decadal Strategy for Earth Observation from Space (2018), https://www.nap.edu/catalog/24938.
Porsche’s New 911 GT3 Bergsport Is An Alpine Treat America Can’t Have
Only 100 mountain-loving GT3s will leave Porsche's Exclusiv Manufaktur workshop, and none are crossing the Atlantic
Cowboys OT Broderick Jones Blames Steelers for Past Failures
Newly-acquired Dallas Cowboys offensive tackle Broderick Jones had excuses for his failures with the Steelers. The post Cowboys OT Broderick Jones Blames Steelers for Past Failures appeared first on HEAVY.
Review | ‘Les Miz’ takes to the hills at Hudson Valley Shakespeare
For a show so preoccupied with God, death and redemption, there is something fitting about seeing “Les Miz” played against the actual landscape as daylight
I took a gap year in my 40s after 20 years in corporate America
After 20 years in corporate America, I took a midlife gap year. It changed my priorities and helped me find a more flexible career.
Why Broderick Jones trade was the right move for Steelers
The Pittsburgh Steelers traded Broderick Jones to the Dallas Cowboys, cutting their losses on the former first-round pick while saving draft value.
Strengthening bacterial meningitis surveillance in Central America
San José, Costa Rica, 20 August 2026 – Approximately 25 representatives and experts from seven countries participated in a subregional workshop organized by the Pan American Health Organization (PAHO) to strengthen epidemiological and laboratory surveillance of bacterial meningitis. Meningitis caused an estimated 5,000 deaths in the Americas in 2021, one-third among children under 5, and approximately one in four survivors experience permanent sequelae.
CT senior living facility changes hands for $68.25M
American Healthcare REIT purchased The Residences at Westport, at 1141 Post Road East, on Aug. 6, property records show.
'Uncharted territory': Physicists find hints of mysterious dark matter
A single flash of energy spotted by the world's most sensitive dark matter detector has scientists excited they may have found hints of the elusive substance that permeates the universe.
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.
American healthcare’s ‘Moneyball’ moment
Opinion: American medicine’s future lies in smart, data-driven allocation of resources to bring down costs and wait times, writes John E. Harrison.
Airbus A321XLR: Where you can book flights on newest long-haul plane
37 destinations, mostly in Europe and the US, are served by Aer Lingus, Air Canada, American Airlines, Iberia, Qantas, and United Airlines.
Lowe's launches major effort to help close America's skilled trades gap
Lowe's Foundation launched a coalition with Nvidia, General Motors and over 75 partners to train and certify 1 million skilled tradespeople by 2035.
The Trump Administration Is Dismantling One of America's Greatest Strategic Assets: Its Scientific Workforce
The loss of US scientific expertise will be measured in discoveries and medical advances never made, and lives that might have been saved.
Growth hormone peptides promise to stall aging—but does the science stack up?
Sermorelin, tesamorelin and other growth hormone peptides are being touted as antiaging elixirs, but what evidence is behind those claims?
Broderick Jones Throws Steelers Under the Bus After Cowboys Trade
Ex-Pittsburgh Steelers offensive tackle Broderick Jones explained how his former team led to his early career struggles. The post Broderick Jones Throws Steelers Under the Bus After Cowboys Trade appeared first on HEAVY.
Want to age well? Health experts say these habits matter most
U.S. News and World Report surveyed health experts to better understand how Americans can age healthily and what the next major health trend would be.
Scientists added sulfuric acid weekly to an Ontario lake for 17 years, lowering pH from 6.8 to 5.2; decades later its lake trout population remains below half its former level
A lake in northwestern Ontario became the setting for a landmark experiment on the effects of acid rain. For 17 years, scientists deliberately added sulfuric acid to Lake 223 every week, gradually changing the water's chemistry to mimic the effects of acid rain that was damaging lakes across North America and Europe.
Book Review: ‘American Scoundrel,’ by Kai Bird
“American Scoundrel” traces the career of Roy Cohn, whose smash-mouth politics continue to shape our own.
Made in America: How AI is keeping this U.S. factory competitive
GE Appliances is leaning heavily into artificial intelligence to improve quality and efficiency on the factory floor.
Brinkley, Guttenberg revel in retro joy of ‘American Summer’
Sweetly nostalgic as it looks back at one teenager’s “best summer ever,” “American Summer” is also a nod to the friendships and romances that unfold as adulthood beckons.
Radiology experts call for stricter rules around self-interpretation of imaging orders
Neiman Health Policy Institute researchers make their case in a new analysis published in the Journal of the American College of Radiology.
Trump's 'golden age of science' is not just another war to be won
Let's get off the battlefield and into the laboratory — this should be one arena where great power competition can be kept in its place
Patriots bring back second-year defender after initial roster cut
The Patriots have re-signed defensive tackle Eric Gregory to the practice squad.
Public confidence in one's own health care provider remains high
Americans' confidence in their own health care providers remains high, according to a longitudinal, nationally representative survey conducted by the Annenberg Public Policy Center (APPC) of the University ...
Buccaneers announce practice squad signings
The Tampa Bay Buccaneers today signed the following players 16 players to the practice squad: TE Devin Culp WR Garrett Greene OLB Yasir Holmes DL Jayson Jones G Henry Lutovsky S Ifeatu Melifonwu CB Roman Parodie WR Dean Patterson IV WR Eric Rivers Jr. S J.J. Roberts T Paul Rubelt G Ben Scott QB Easton […]
Americans trust their doctors while second-guessing distant intermediaries—now more than ever
The general public is smiling at local healthcare providers while snarling at federal healthcare agencies, according to a survey report posted Aug. 31 by Annenberg Public Policy Center at the University of Pennsylvania.
Trump calls for federal tax incentives to revive U.S. film industry
President Trump on Monday urged Congress to approve federal tax incentives aimed at reviving American film and television productions.
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...
NASA’s Swift telescope is back, but time is running out
NASA has brought two of Swift’s telescopes back online after technical problems derailed a commercial mission intended to rescue the aging observatory by raising its orbit. With atmospheric drag pulling the spacecraft downward faster than expected, scientists may have only another month or two before Swift falls below a critical operating altitude.
Nexpring Health to expand Cook Medical facility for fertility solutions
Parks Township will soon be home to the largest reproductive health manufacturing facility in North America. Cook Medical-Vandergrift in Parks Township is in the process of expanding after its reproductive health portfolio was acquired by Nexpring Health, a global medical technology production company that specializes in assisted reproductive technology. “One
US oil firm to take over some Venezuelan oilfields previously run by Chinese, Russian companies, officials say
U.S. oil company North American Blue Energy Partners will take over some oilfields previously controlled by five Chinese companies and a Russian firm, two U.S. officials told Reuters on Monday.
Vance casts El-Sayed as ‘evil’ and tells him to ‘keep my wife’s name the hell out of your mouth’
Vice President JD Vance said in Michigan on Monday that “there’s something about Abdul El-Sayed that is very, very, evil,” arguing that the state’s Democratic Senate nominee is symptomatic of a growing trend in America of fighting “for one group at the expense of others.”
Annenberg poll: Americans trust their doctors when it comes to public health, but not FDA, CDC
Trust in federal government health agencies has dropped in Trump’s second term.
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.
DSA leader's working-class image takes hit as public records pile up contradictions
Gustavo Gordillo, NYC Democratic Socialists of America co-chair, faces scrutiny over claims about his immigrant parents, union status and housing.
Tackling lawsuit abuse on Inside West Virginia Politics
CHARLESTON, W.Va. (WOWK) – On this week’s episode of Inside West Virginia Politics, our guests join Rick Johnson to discuss giving away water, lawsuit abuse, housing children and a congressional ru…
Who Sees Themselves as Working Class?
Most Americans think of themselves as working class, and Republicans are more likely to do so than Democrats.
Noah Kahan’s heartwarming Seattle concert turns tears to elation
The small-town troubadour is an unlikely stadium filler, but his distinctly American songs sounded right at home in a sold-out T-Mobile Park.
Pair revert to Patriots’ injured reserve after cut to 53
Isaiah Iton and Eric Butler were waived with injury designations.
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."
Trump says voters who oppose data centers will ‘kill the Golden Goose’
The president defends the server farms as polling shows sizable shares of Americans from both political parties are opposed to them.
Q&A: building a radiology team for small-town Tennessee
Behind every scan at a Regional Hospital is a radiologist who also holds a professorship at Main Campus. Eric Wallace, MD, explains why that matters.
Trump Says Communities That Oppose Data Centers Risk Becoming ‘Backwards and Poor’
The president has backed the construction of data centers, but most Americans oppose building them near where they live.
Trump Personally Bullying Apple to Make It ‘Lake America’
Google Maps has already surrendered on the president’s ridiculous name change, but he isn’t satisfied.
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.
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.
How much is the NFL worth? Inside America’s most valuable sports league
Plus500 reports that the NFL is a $23 billion economy with franchises valued at an average of $7.1 billion, driven by media rights, betting, and merchandise.
At Blue Elephant, artists explore ‘Repetition, Ruin, and Reconstruction’
Life is cyclical by nature. Time folds over and patterns begin to arise in every aspect of living — some good, some bad. As humans, it is an often forgotten
Carson College of Business appoints Christopher Cooney to lead the Center for Entrepreneurship
Cooney brings extensive experience mentoring student entrepreneurs and connecting them with industry as he works to expand the center’s partnerships, visibility, and reach.
Pa. business owner guilty of using COVID money for personal use
A federal jury found a Pennsylvania man guilty of using COVID relief money to buy a house and a vehicle, among other things.
Public Confidence in One’s Own Healthcare Provider Remains High | The Annenberg Public Policy Center of the University of Pennsylvania
Americans’ confidence in their healthcare providers remains high while confidence in U.S. healthcare institutions has declined since the start of President Trump's second term, an APPC survey conducted from April 2021-August 2026 finds.
Fisher-Lochhead group to play at Opera House
The Danny Fisher-Lochhead Large Ensemble will bring its unique sound to the Stonington Opera House on Friday, Sept. 11, at 7 p.m.
Treasury Department blocks certain journalists from covering G20 meeting
The New York Times said in a statement that denying American journalists access to an event in the U.S. is “not just another disturbing effort by the administration to undermine independent journalism, but a blatant attempt to evade public scrutiny.”
Seneca Nation calls for reversal of Trump’s ‘Lake America’ executive order
Seneca Nation President J. Conrad Seneca says it violates a more than 225-year-old treaty and shows a "blatant disrespect" for Indigenous people.
Federal grant cuts hit Colorado studies to make healthcare more efficient
Dr. Lisa DeCamp thought she might have a win-win idea that would improve health for kids with asthma while saving Medicaid money. She may never know if it would have worked after the Agency for Healthcare Research and Quality ended her…
Pro-AI group jumps into the data center fight with new ads aimed at reshaping public opinion
The nonprofit group Build American AI is launching a multimillion-dollar ad campaign in Kansas, Ohio and Wisconsin to promote its data center agenda.
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
House Democrat to launch challenge to Trump’s ‘Lake America’ order
Debbie Dingell plans to introduce her ‘Hands Off Our Great Lakes Act’ today following president’s latest escalation in US-Canada trade war
High Fertility Costs Push Americans Abroad For IVF Treatment
By LJ Dawson and KFF Health News HealthDay ReportersMONDAY, Aug. 31, 2026 (HealthDay News) — In the summer of 2024, Emilie and Justin Solomon found themselves on a top-secret mission in Greece. Their family and friends thought the adventure-loving couple was on another jet-setting vacation, but they ...
A course correction Canada would concur with
I’ve always harbored a soft spot for Canada. My father was stationed there twice, once in the 1960s as the Atomic Energy Commission’s American liaison with the Canadian nuclear reactor program in Chalk River, Ontario and again in the 1970s as the State Department’s scientific attache at the U.S. Embassy in Ottawa. I had the […]
Google is getting flak for changing Lake Ontario name to Lake America
Canadian politicians are also scrubbing government websites that embed Google Maps to ensure the lake is labeled Lake Ontario.
Study: Rural, dual-eligible patients less likely to receive timely home health rehab
Medicare patients who were rural and dually eligible for Medicare and Medicaid were less likely to receive home health rehabilitation services within 48 hours of discharge from the hospital, according to an August study published in the Journal of the American Medical Directors Association.
Trump demands all Canadian companies doing business with the US move to America ‘immediately’
Google Maps changes Lake Ontario to ‘Lake America’ for US users after Trump order: 'It's official!'
Google Maps has updated Lake Ontario to “Lake America" for U.S. users following Trump’s executive order and the federal government’s official name change.
The Cuban sculptor behind a new monument in Miami Springs of city’s founder
He represents “the American Dream,” she said.
Atlanta police officers shot responding to mental health call
Atlanta police officers were shot while responding to a mental health call on Forest Park Road, the agency confirmed.
American politics: Will Rogers overheard out on the front porch
OPINION — If Will Rogers were here today, he might have something to say: Well, I’ve been watching this country for a spell now, and I’ll tell you something that may not sit easy: …
Italian American Powerhouse AGBO Unveils New Hit Thriller ‘The Whisper Man’ on Netflix
AGBO's latest feature film, The Whisper Man, premiered Friday on Netflix and surged to the platform's no. 1 spot, marking another major release for the independent studio founded by Italian American filmmakers Joe and Anthony Russo. Based on Alex North's bestselling 2019 novel, the psychological crime thriller brings together an acclaimed cast led by Robert…
2027 Dallas Cowboys draft pick list, following Broderick Jones trade
Here is a look at the 2027 Cowboys draft picks after the Broderick Jones trade
Frederick filmmaker Brenda Emery talks scrappy, shoestring filmmaking
Frederick resident Brenda Emery has had a lifelong appreciation for movies of all kinds. The former college psychology major said she turned to film after realizing cinema was her stronger
What makes a great beach: Environmental science professor breaks it down
Professor Stephen Leatherman — also known as “Dr. Beach” — joins “Morning in America” to explain how beaches are ranked according to cleanliness and safety. The 2026 top 3 B…
Dallas Cowboys trade for another offensive tackle
The Dallas Cowboys trade draft picks to add depth at tackle by getting the Pittsburgh Steelers’ Broderick Jones.
Aon closes in on another blockbuster insurance deal
The insurance giant, whose North American operations are headquartered in Chicago, could announce the acquisition as soon as Monday, the Wall Street Journal reports.
The Political Divide Isn’t Between Boomers and Gen Z
Rep. Maxwell Frost went on Jubilee’s 'Surrounded' for a debate about the generational gap. It’s smaller than most Americans realize.
Aisha Wahab prepares to transition from the California Senate to Congress
California State Sen. Aisha Wahab joined California Politics 360 to discuss her transition to Congress after winning the Bay Area’s special election to serve the remainder of former Rep. Eric Swalwell’s term following his resignation in April amid allegations of sexual assault and misconduct.
Google Maps adds 'Lake America' as Ford compares change to 'SNL' skit
"No one's going to call it Lake of America. It's been Lake Ontario for hundreds of years," Ontario Premier Doug Ford said.
Canada claps back at Trump's efforts to rename Lake Ontario as 'Lake America'
Ontario Premier Doug Ford has unveiled a giant billboard reading: "Lake Ontario — Now and Always." But tech giant Google has said it is renaming the lake for U.S. users, as President Trump demanded.
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.
Omni-liberalism: Why you should hold this framework in politics
Views staff writer Logan Walters examines “omni-liberalism" and argues for approaching policy with flexibility and skepticism.
Fleetwood Mac tribute band to rock The Grand
Crystal Vision will bring its Fleetwood Mac tribute concert to The Grand in Ellsworth on Friday, Sept. 11, from 7-9 p.m.
Dolly Parton’s life was bigger than politics
Dolly Parton had barely died before America started doing what America apparently does now: checking her political credentials. Was she conservative? Liberal? A Trump supporter? An LGBTQ ally? Which side gets to claim her? Which side should cancel her? Good grief! The woman lived 80 years. She can’t be reduced to that. Not with her […]
In 1990, the northern spotted owl became a symbol of America’s logging wars; 36 years later, scientists say it is already functionally extinct across large swaths of its range
In 1990, a small bird became an unlikely symbol of one of America’s fiercest environmental battles. The northern spotted owl was listed as threatened under the Endangered Species Act, putting the future of vast stretches of old-growth forest in the Pacific Northwest at the centre of a bitter fight between environmentalists and the logging industry.
Surprise detail emerges from Steelers-Cowboys Broderick Jones trade
A new detail has emerged from the Pittsburgh Steelers' Broderick Jones trade with the Dallas Cowboys.
How a comic book store got swept into the tariff storm
Tariffs continue to rile all kinds of American businesses more than a year after Trump unveiled his first set of tariffs — including a comic book store owner in Ohio.
It's Your Business | National spotlight shining on longtime Danville pizza joint
America's Best Restaurants will be filming episodes about Jocko's and Smith Burger Co. on Sept. 2.
Asking Eric: My company’s mandatory mental health day just stresses me out more
Advice from R. Eric Thomas.
State probing two grants to American Arab chamber after money goes missing
The State Budget Office is reviewing at least two state grants given to the American Arab Chamber of Commerce amid allegations of unaccounted funds.
Asking Eric: Mandatory mental health days stress this employee out
Letter writer’s company encourages taking an annual day off to hang out with co-workers outside of the office.
Steelers updated mock draft after the Broderick Jones trade
In our latest Steelers mock draft, we dive in after the Broderick Jones trade and get an immediate starter at right tackle.