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Trump doubled down on backing a united Ireland, reigniting a divisive political issue. Here's what to know
Northern Ireland's status has been contentious since it remained part of the United Kingdom after most of Ireland gained independence from Britain a century ago.
Hospital lobbyist thanks Collins while Mainers pay the price for expensive health care
Sen. Susan Collins released a new ad in late August featuring a wealthy former hospital lobbyist praising her record on health care. It’s really not surprising he’s endorsing her — because so much of Collins’ work has been in service of industry lobbyists’ goals for decades. We all know health care is obscenely expensive, and
Gulf Stream speeding up: What NOAA's new study found
NOAA satellite data shows the Gulf Stream intensified sharply from 2014 to 2023. Here's what's driving it and what that could mean for you.
The ‘Trump before Donald Trump’ is favored to replace a centrist in Congress
Former Maine governor Paul LePage is seen as the likely winner against progressive Matt Dunlap in the race to replace retiring Democratic Rep. Jared Golden.
Collins leans on familiar playbook in hopes of defying political headwinds
While commending the work of the businesses, organizations and schools she visits, Collins always highlights the federal funding she’s been able to secure — or in some cases claw back from President Donald Trump's administration — to bolster or make it possible.
BYU Moves up in AP Poll after Arizona Win
BYU was ranked #15 for the Arizona game, and moved up to #11 in the latest AP Poll released Sunday. BYU is one four Big 12 teams ranked along with Texas Tech (13), Utah (17), and Houston (22). Notre Dame remained at #3. BYU passed Oregon and Oklahoma after their losses, and also passed USC […]
UC coach Satterfield, French, Wilson, Tabb, Gibson/Western Carolina W
Cincinnati Bearcats coach Scott Satterfield, JC French, Damaine Wilson, Cole Tabb, JV Gibson on Western Carolina victory Sept. 12 at Nippert Stadium
Tarik Muharemović: We have to be ready
Centre-half Tarik Muharemović has settled into life as a Leeds United player impressively, starring in the heart of defence as Daniel Farke’s side have remained unbeaten in the first three matches ...
L.L.Bean doubles down on its old-school roots in Maine
The family-owned retailer that sells everything from clothing and footwear to home goods is betting on the physical world in the age of AI.
Highlights from Springfield, Jermaine Cobbins' win over Station Camp
See highlights from Springfield's 35-21 win over Station Camp on Sept. 11, 2026.
Hardee’s Friday Night Blitz Preview – Week 3
ROANOKE, Va. (WFXR) — WFXR Sports Director Jermaine Ferrell gives us a preview of Week 3 of the high school football season.
NEWS CENTER Maine
Through in-depth storytelling, through direct contact on digital on social platforms, through long-standing community service programs like Coats & Toys for Kids, Project Heat and Buddy to Buddy, NEWS CENTER Maine is dedicated to keeping Mainers connected. We can't do it alone, though. Only by listening and interacting with YOU can we continue to connect ALL Mainers.
Elon Musk's PAC adds Maine 2nd District race to electioneering bid
Musk's America PAC is already spending on the high-profile Maine U.S. Senate race. Now it's sending text and phone messages hoping to boost Republican Paul LePage in his contest against Democrat Matt Dunlap.
U.S. Navy demand for Maine-built vessels remains high, official says
Bath Iron Works is expected to finish a new destroyer for the Navy in a little over a year.
NEWS CENTER Maine
Through in-depth storytelling, through direct contact on digital on social platforms, through long-standing community service programs like Coats & Toys for Kids, Project Heat and Buddy to Buddy, NEWS CENTER Maine is dedicated to keeping Mainers connected. We can't do it alone, though. Only by listening and interacting with YOU can we continue to connect ALL Mainers.
Sen. King asks education secretary for answers about mental health grant cuts
Maine's independent senator and a group of Democratic colleagues penned a letter to Linda McMahon asking that she distribute $1 billion in youth mental health funding.
In Good Health: The Matter Of Maternal Mental Health Care
The Lindsay Clancy murder trial captivated the American public for weeks.Prosecutors charged Clancy with murdering her three children. They say she then tried to take her own life and that her injuries left her paralyzed from the waist down. Clancy’s lawyers say she was experiencing postpartum psychosis and should not be held criminally responsible. But prosecutors say she planned the deaths.After seven days of deliberation, the jury remained deadlocked and the case ended in a mistrial.The trial has divided the nation and sparked conversations over about maternal mental health, raising questions over gaps in care for parents after giving birth. About one in five expecting or postpartum women in the U.S. experience mental health disorders. And according to a 2025 study, overall maternal mental health has dramatically dropped in the past seven years, with only 25 percent of moms reporting excellent mental health.What do we know – and don’t know – about maternal mental health care? And how can our systems be bolstered to help those who need it most after giving birth?If you are experiencing a mental health crisis or thinking of harming yourself, the 988 Suicide and Crisis Lifeline is available 24/7 by phone and text. The National Maternal Mental Health Hotline is also available 24/7. You can text, call or chat at 1-833-TLC-MAMA. The Postpartum Support International also offers a helpline at 1-800-944-4773 or you can visit postpartum.net.Find more of our programs online. Listen to 1A sponsor-free by signing up for 1A+ at plus.npr.org/the1a.
Maine Second District candidates spar over debates
Democrat Matt Dunlap said his campaign has already committed to debates on Oct. 1 and Oct. 15.
Penn State Freshman Josiah Zayas Standing Out
Through all the changes Penn State's roster has seen over the last nine months, one position group has remained relatively unchanged. The Nittany Lions retained starting cornerbacks Daryus Dixson, Audavion Collins and Zion Tracy. The three defensive backs made a combined 24 starts a season ago and were primed to start even more games this …
Maine educators back Troy Jackson for U.S. Senate
The MEA is the largest union in Maine, representing more than 24,000 current and retired educators and support staff, including college professors.
Trump officials say AI will help save rural health care. Some leaders in the field don’t believe it
BANGOR, Maine — Rural health care providers, which have struggled for years, are facing nearly $1 trillion in Medicaid cuts over the coming decade. The
Goldman says Treasury buybacks won't be enough to tame bond yields
Treasury yields remained elevated after the department said it would repurchase up to $6 billion of 10- to 20-year debt.
Maine GOP governor candidate’s sister backs opponent
Anita Charles says she disagrees with her brother’s opposition to abortion and his campaign rhetoric.
New CNN poll in Maine shows a razor-thin contest between Sen. Susan Collins and Troy Jackson
BhSUN coordinates calcium signaling, microtubule organization, and hormone metabolism to drive directional fruit growth in wax gourd
Fruit shape determines market value in wax gourd (Benincasa hispida), but the genetic programs that make some fruits long and cylindrical while others turn out short and round have remained largely mysterious.
'Toy Story 5' Secures Third Consecutive No.1 on Weekly U.K. Home Entertainment Sales Chart Through Sept. 9
Disney/Lucasfilm’s Toy Story 5 continues its winning streak on the Official Film Chart, securing a third consecutive week at No 1 on the weekly U.K. home entertainment sales chart through Sept. 9. There were no chart changes among the top six from the previous week. Universal’s Obsession remained at No. 2 in its 10th week … Continue reading "‘Toy Story 5’ Secures Third Consecutive No.1 on Weekly U.K. Home Entertainment Sales Chart Through Sept. 9"
Why Lewis-Skelly remained at Arsenal despite strong outside interest
Myles Lewis-Skelly was linked with a move away from Arsenal this summer, with several teams willing to add him to their squads, including Chelsea and Manchester United.Both clubs had been offered the ...
Firefighters battle early morning fire at Richland business
RICHLAND, Wash. - The 7-11 convenience store off Duportail and Wright Avenue in Richland is closed after it was damaged in an early morning fire Wednesday.The call for help came in just before a.m. When firefighters arrived, they saw heavy smoke coming from the building attached to the 7-11 and could see flames inside.Several fire crews responded to the area and a ladder truck was used to attack the fire from above. Richland police also arrived on scene to shut down streets so fire crews could work in the tight space. They also helped with people living close to the fire get out safely.Firefighters were able to get the fire under control but it continued to flare up and crews were finally released from the scene just before 6 a.m. A crew remained on the scene to continue checking the area. Fire investigators are also at the scene.The 7-11 remains closed until further notice after the building was heavily damaged by smoke and water. The building attached to it was destroyed.The cause of the fire has not yet been released. Injuries are also unknown. We are gathering more information at this time.COPYRIGHT 2026 BY APPLE VALLEY NEWS NOW. ALL RIGHTS RESERVED. THIS MATERIAL MAY NOT BE PUBLISHED, BROADCAST, REWRITTEN OR REDISTRIBUTED.
Nonprofit health care provider to close Bangor center, cut 16 jobs
Penobscot Community Health Care plans to close its Adult Wellness Center practice in Bangor later this year and eliminate 16 jobs.
Optimism index: Small business owners feel good now, are wary about future
The National Federation of Independent Business released its August small business optimism index on Tuesday and it showed a small dip to a reading of 98.7 from 99.8 in July. But the optimism index remained just above its long-term average …
‘We’re resilient’: Maine businesses brace for Canadian retaliatory tariffs
Businesses in border states and provinces, including Maine, will feel the squeeze of both sets of tariffs the most. And there likely won’t be a deal in place before the U.S. midterm elections. There have already been some layoffs in…
Sportsman’s Alliance of Maine endorses Collins for U.S. Senate
The endorsement for Collins comes as the campaigns barrel toward the Nov. 3 election in one of the most highly anticipated Senate races in the country.
Unions inspired his political career, but can they help him beat Susan Collins?
The Maine Democratic Senate hopeful is running perhaps the most pro-labor campaign in the country — and labor is going all-in to elect him.
Have we found alien life? Hundreds of scientists weigh in
Two major alien-life announcements in 2025 generated enormous excitement, but most astrobiologists remained unconvinced. Only 6.6% of surveyed experts thought possible biological molecules on K2-18b probably represented extraterrestrial life, while 15.1% said the same about intriguing mineral patterns in a Martian rock.
Small business owners feel good now, wary about what's ahead: NFIB optimism index
Small business optimism dipped in August but stayed above its long-term average as uncertainty remained elevated, prompting some owners to delay bigger investments.
Small business owners feel good now, wary about what's ahead: NFIB optimism index
Small business optimism dipped in August but stayed above its long-term average as uncertainty remained elevated, prompting some owners to delay bigger investments.
Small business owners feel good now, wary about what's ahead: NFIB optimism index
Small business optimism dipped in August but stayed above its long-term average as uncertainty remained elevated, prompting some owners to delay bigger investments.
Small business owners feel good now, wary about what's ahead: NFIB optimism index
Small business optimism dipped in August but stayed above its long-term average as uncertainty remained elevated, prompting some owners to delay bigger investments.
Small business owners feel good now, wary about what's ahead: NFIB optimism index
Small business optimism dipped in August but stayed above its long-term average as uncertainty remained elevated, prompting some owners to delay bigger investments.
Small business owners feel good now, wary about what's ahead: NFIB optimism index
Small business optimism dipped in August but stayed above its long-term average as uncertainty remained elevated, prompting some owners to delay bigger investments.
'We're resilient': Maine businesses brace for new round of Canadian tariffs
Canada is officially striking back in the trade war with the United States.
Dunlap highlights high home heating oil prices in Maine
Dunlap, who faces former Republican Gov. Paul LePage on the Nov. 3 ballot, said Maine continues to be the state where more people rely on home heating oil than any other.
Government land-grab agenda hits key Senate race as Dem backs property takeovers echoing Mamdani
Maine Senate candidate Troy Jackson suggested the state should take over mobile home parks, echoing NYC Mayor Zohran Mamdani's housing agenda.
New report finds little short-term health risk from air pollutants in South Portland, Portland
Six years of air sampling found benzene levels above state guidelines at one location and elevated acrolein levels across the study area.
988 Day: Do you know about the 911 for mental health emergencies?
Hundreds of people in Maine die by suicide each year. There is a hotline you can call if you or a loved one is facing a mental health crisis. Your reason is reason enough. #988Day
Maine cancer survivor sharing wellness, health lessons in new app
Tom McGowan of Windham is using what he learned during treatment to help better the lives of people around the world.
Political candidates across country attend Labor Day events
PORTLAND, Maine — Troy Jackson was a longtime labor activist and logger before he unexpectedly became the Democratic nominee for U.S. Senate in Maine. On Monday, he returned to a
State health officials say 627 immigrants in Maine will lose full health care starting October 1
Republicans Chances of Losing Senate to Democrats, Per Nate Silver Forecast
The forecast has Democrats ahead in North Carolina, Georgia, Minnesota, Maine, Ohio, New Hampshire, Michigan, Texas and Alaska.
App State opens season by beating FCS-program Maine 55-3
Malachi Singleton threw for 291 yards and three touchdowns on 22-of-24 passing to help Appalachian State open its season by beating FCS-program Maine 55-3.
Ask ACE: How do I find the right resources for my new business?
Finding the right resources starts with getting clear on what you actually need, according to Rachel Battarbee from the Association for Consulting Expertise.
From the Deputy Editor: Small-business wisdom from the trenches
The latest edition of Mainebiz looks at different routes to startup financing and the growing popularity of coworking across Maine.
O'Hare 'can't wait' for home Wrexham debut
Callum O'Hare "can't wait" to make his home debut after a hectic welcome to Wrexham since completing his deadline-day move from Sheffield United. The 28-year-old got up in the early hours on Tuesday morning to seal his switch to the Racecourse Ground before Wrexham's trip to Millwall. O'Hare then raced to London on the train, arriving hours before kick-off to make the squad, but remained an unused sub as Wrexham won 3-0 at the Den.
UMF announces retirement of Katherine Yardley, longtime dedicated faculty member, dean and co-provost of the UMF College of Education, Health and Rehabilitation
FARMINGTON —The University of Maine at Farmington has announced that Katherine Yardley, a longtime UMF College of Education, Health and Rehabilitation faculty member, dean and co-provost who has…
'Spider-Man: Brand New Day' makes it 6 weeks in a row at No. 1 as Hollywood wraps a banner summer
“Spider-Man: Brand New Day” remained the No. 1 movie in theaters over the weekend, becoming just the second film this decade to top the box office for six straight weeks. The last release to enjoy...
'Spider-Man: Brand New Day' makes it 6 weeks in a row at No. 1 as Hollywood wraps a banner summer
“Spider-Man: Brand New Day” remained the No. 1 movie in theaters over the weekend, becoming just the second film this decade to top the box office for six straight weeks. The last release to enjoy...
Nurse sues Central Maine Healthcare alleging 6 years of incorrect wages
The nurse filed the lawsuit on behalf of hundreds of others who she claims were also not paid appropriately for working extra time.
Masculinity explored in ‘Bucks Harbor’
“Bucks Harbor” will have its Maine premiere at the Camden Opera House on Saturday, Sept. 19, at 2:15 p.m., as a Camden International Film Festival Best of Fest selection.
Art & Science Combine in Digital Art Exhibition in Portland in October
Unlikely Universes is an exhibition of Ann Tracy's digital works on canvas, metal and paper; the show opens with an artist's reception from 5:00 to 8:00
Gubernatorial candidates present drastically different plans to improve healthcare costs, access
Maine’s three gubernatorial candidates agree on health care struggles but propose vastly different solutions for improving access and costs.
Maine healthcare leaders celebrate Gov. Mills as ‘Health Care Hero’
Photo courtesy of the Office of Gov. Janet MillsHEALTH CARE HERO — Healthcare leaders from across Maine celebrated Gov.
Pair of rare, colorful lobsters have a new home in Maine
A two-toned lobster like Ethel is 1 in 50 million, while a blue one like Gertrude is 1 in 2 million.
Learning from the Trees
At a joint field school on Allen Island, Colby and UMaine researchers use dendrochronology, or tree-ring science, to unlock stories of climate, landscape, and human impact
Nurses announce sympathy strikes, pickets on Sept. 15 at five Prime Healthcare hospitals in four states
RNs at two Prime Healthcare hospitals in Nevada and California and nurses and health care workers at a Prime facility in California gave notice that they will hold a sympathy strike for one day on September 15 in solidarity with striking nurses at Olympia Fields Hospital in Chicago, Illinois. Nurses at another Chicago hospital and at a hospital in Lewiston, Maine, will hold informational pickets in solidarity with Olympia Fields RNs on the same day.
Penobscot Community Health Care to lay off 16, close wellness center amid $3M funding gap
NEWS CENTER Maine
Through in-depth storytelling, through direct contact on digital on social platforms, through long-standing community service programs like Coats & Toys for Kids, Project Heat and Buddy to Buddy, NEWS CENTER Maine is dedicated to keeping Mainers connected. We can't do it alone, though. Only by listening and interacting with YOU can we continue to connect ALL Mainers.
Ninth annual Health Care for Maine conference tackles rising medical debt, legislative future
Health Care for Maine’s 9th annual conference saw several health organizations gather to discuss the state of health care affordability in Maine, as well as the changes coming from federal legislation.
Elon Musk’s political machine begins spending to help Susan Collins
The spending, disclosed in a federal filing this week, marks the first concrete sign of money flowing into Maine from the world’s richest man.
Help available for Mainers struggling to afford healthcare
Rising affordability challenges are forcing some Mainers to drop their health insurance coverage but healthcare advocates said financial help is still available. Residents who use the state’s marketplace, CoverME.gov, will see rate increases of more than 13% next year while small-group market rates jump nearly 15% — another double-digit increase. Ann Woloson, executive director of the Augusta-based group
Maine Health Care Leaders Celebrate Governor Mills as "Health Care Hero"
Augusta, MAINE – Today, health care leaders from across Maine celebrated Governor Janet Mills as a “Health Care Hero” in recognition of her successful work as Governor to expand access to high-quality, affordable health coverage throughout her time as Governor.
Fake firewood listings use real Maine business’s name, reviews to target buyers
Paula Fleming of the Better Business Bureau said the reported scam may be unusual in Maine’s firewood market, but the underlying tactic is familiar.
Penobscot Community Health Care to close one of its Bangor offices, cut 16 jobs amid financial shortfall
A Maine health organization that provides mental, dental and behavioral health services to about 50,000 people will close one of its practices and is cutting more than a dozen jobs amid a multimillion-dollar financial shortfall.
LM Workboats Builds Aluminum Research Vessel For Chesapeake Bay Science Ops
LM Workboats has been contracted to construct a 59-foot aluminum research vessel for the Maryland Department of Natural Resources, designed to conduct multi-mission, year-round operations on the Chesapeake Bay and near-coastal Atlantic waters. The vessel will be built to US Coast Guard Subchapter T and UNOLS standards at Lyman-Morse facilities in Maine.
Graham Platner no longer scheduled to speak at Labor Day rally
Former Democratic Senate nominee Graham Platner is no longer set to speak at a Labor Day rally when he makes his first major public appearance since ending his campaign against Republican Sen. Susan Collins of Maine.
As Midterms Loom, Democrats Feud Over Defections
The fight has highlighted party divisions and raised questions about how Democrats will run the House should they win the majority.
Graham Platner no longer scheduled to speak at Labor Day rally
Former Democratic Senate nominee Graham Platner is no longer set to speak at a Labor Day rally when he makes his first major public appearance since ending his campaign against Republican Sen. Susan Collins of Maine.
South Carolina governor candidates, Johnson and Wilson, to debate
Alan Wilson and Jermaine Johnson will face off in a televised debate ahead of the South Carolina gubernatorial race.
'Toy Story 5' Continues Reign Atop Weekly U.K. Home Entertainment Sales Chart Through Sept. 2
Disney/Pixar’s Toy Story 5 remained No. 1 on the Official Film Chart, the weekly U.K. home entertainment sales chart through, through Sept. 2. The rest of the top four remains unchanged this week, with Focus Features’ supernatural horror film Obsession holding at No. 2 in its ninth week on the chart, and Universal’s animated adventure … Continue reading "‘Toy Story 5’ Continues Reign Atop Weekly U.K. Home Entertainment Sales Chart Through Sept. 2"
'Toy Story 5' Continues Reign Atop Weekly U.K. Home Entertainment Sales Chart Through Sept. 2
Disney/Pixar’s Toy Story 5 remained No. 1 on the Official Film Chart, the weekly U.Sk. home entertainment sales chart through, through Sept. 2. The rest of the Top 4 remains unchanged this week, with Focus Features’ supernatural horror Obsession holding at No. 2 in its ninth week on the chart, and Universal’s animated adventure Minions … Continue reading "‘Toy Story 5’ Continues Reign Atop Weekly U.K. Home Entertainment Sales Chart Through Sept. 2"
Can Susan Collins Survive Trump’s America?
The Maine Republican is betting her record and local ties can withstand a polarized political climate.
What’s powering Ascension’s commercial property market
Retail and industrial properties kept Ascension Parish’s commercial real estate market on steady ground during the second quarter, even as the office sector continued to lag. The market recorded $145.2 million in sales over the trailing 12 months, a slight increase from May, according to Elifin’s latest market report. Deal activity remained largely unchanged. The […]
Maine health clinics say state failed to pay nearly $6.5M cost-of-living increase
The state health department said there was no funding appropriated for this year's adjustment.
Maine family business semifinalists spotlight what’s needed to grow
Out of 505 nominations submitted to the 2026 Maine Family Business Awards, 51 have been named semifinalists by the Institute for Family Owned Business, a Portland-based nonprofit.
Grand Canyon Education (LOPE): A Steady Cash-Generating Business Ignored in a Speculative Market
Riverwater Partners, an investment management company, released its ‘Small Cap Strategy’ Q2 2026 investor letter. The letter can be downloaded here. The Small Cap Strategy underperformed the Russell 2000 in the second quarter as the benchmark experienced one of its strongest risk-on rallies in recent memory, although the strategy remained ahead year-to-date. The quarter was defined […]
Maine GOP urges immediate funding boost for struggling rural health centers
PCHC, Maine’s largest federally qualified health organization, said it is in urgent need of funding.
Maine lawmakers call on MaineHealth to keep Lincoln County labor unit open
Another labor and delivery unit in Maine is slated to close before the end of the year. A Maine Legislature committee is trying to take action to keep services open.
USM creates one-stop shop for business support
Activities of USM's School of Business are moving to the Wishcamper Center, alongside the university's Office of Commercialization and near the Portland office of the Maine Small Business Development Center.
Global Oil Price Rises to $90 a Barrel After U.S. and Iran Trade Attacks
The first attacks in a month jolted energy markets. The average U.S. gasoline price remained 37 percent higher since the war began.
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.
Before JWST began science operations, a dust-sized particle struck one segment of its 6.5-metre mirror at hypervelocity and left an uncorrectable deformation — damage revealed because Webb can detect nanometre-scale changes in its own optical surface.
Webb detected a permanent deformation on mirror segment C3 through nanometre-scale wavefront sensing, corrected part of it and remained well inside requirements.
Zooplankton tied to Maine lobster larva health declines as Gulf waters warm
A creature the size of a grain of rice could be the reason for recent declines in Maine's lobster harvest.
Former county behavioral health director evaluating ‘legal options’ after public dismissal
The county has remained mum on deeper reasons for the termination.
As Maine reports more cyclosporiasis cases, health officials say outbreak may be slowing
The Maine CDC is reporting 49 cases of the illness, with 15 of those linked to the national outbreak.
Debates set for Maine U.S. Senate race
Regardless of the format, the debates are likely to be must-see TV for voters who will make a big decision this fall about who represents them in the U.S. Senate.
MaineHealth CEO warns of ‘huge crisis’ in healthcare
Although MaineHealth announced its decision to close the unit earlier this month, those who live near the hospital asked lawmakers Thursday to force the hospital to keep it open while other options are considered.
Wealthy Former Hospital Lobbyist Defends Collins’ Poor Record on Health Care
PHOTO: Susan Collins with former Maine Hospital Association President Steven Michaud
Prediction markets take a swing at hedging for US small businesses
By Suzanne McGee Aug 28 (Reuters) - Mark Murrell, founder of Get Maine Lobster of Portland, Maine, has an irritating business problem that he has been struggling to solve: offering discounts is costly and, well, "it feels so boring." For International ...
U.K. Business Confidence Jumps Despite Lingering Energy Shock
Oil and gas prices remained elevated amid uncertainty over the Middle East conflict, but firms appear increasingly confident that strong consumer demand and a resilient economy can offset the pressure.