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Arsenal will consider signing Premier League star in January
The summer transfer window for 2026 has just closed, but Arsenal already have their eyes on the next window and have identified Eli Junior Kroupi as one of the players they could sign, Football London...
Kerolin Nicoli move signals Barcelona’s new transfer ambition
Barcelona have signed Brazilian forward Kerolin Nicoli, 26, from Manchester City for a reported £1.25m, according to Sky Sports. The fee is the highest ever received for a Women’s Super League play...
Friday BP: Giants claim Brett Harris off of waivers
Keaton Winn was transferred to the 60-Day IL.
Blackburn transfer window frustrating
Blackburn Rovers CEO Steve Curwood defends the club's summer dealings after four new signings and three failed deals on deadline day.
Premier League news conferences after transfer deadline fallout
All the latest football news, including Friday's news conferences before the weekend's Premier League action.
Why Joshua Zirkzee To Everton Broke Down Despite His Interest
Manchester United looked set to lose Joshua Zirkzee to Everton on Transfer Deadline Day, but the deal collapsed and left the Toffees with just one centre-forward for this season.
Manchester City failed to sign £85.8m Bayern Munich star
Manchester City made an audacious attempt to lure Aleksandar Pavlovic away from Bayern Munich this summer.This has been a massive transfer window for Man City under Enzo Maresca, with the club complet...
Hurzeler on 'Baby Rodri', Minteh and transfer dreams
Brighton boss Fabian Hurzeler has been speaking to the media before Saturday's Premier League game against Leeds United at Amex Stadium (kick-off 15:00 BST). Deadline-day signings Chema Andres, a £15.5m arrival from Stuttgart, and Femi Azeez, who joined from Millwall in a deal worth up to £15m, are both "great characters".
Alonso to discuss midfield balance
Chelsea manager Xabi Alonso will speak for the first time since his side's failed attempt to sign a midfielder before the transfer deadline.
Is Bradley Barcola Playing Today for Ipswich Town vs. Liverpool?
Liverpool visits Ipswich Town this Friday, Sept. 4, as part of the third matchday of the 2026-27 Premier League. Reds fans hope to see their new signing, Bradley Barcola, in action.Barcola, 24, was transferred to the Anfield side from Paris Saint-Germain for €125 million ($145.3m), according to Transfermarkt estimates.The signing of the French winger is […] The post Is Bradley Barcola Playing Today for Ipswich Town vs. Liverpool? appeared first on HEAVY.
Has Chelsea's transfer strategy finally started to pay off?
Chelsea have had a few remarkable transfer summers since their forced sale from Roman Abramovich's control in May 2022. Once again they were big spenders, outlaying £349m on 11 signings such as Morgan Rogers, Maxence Lacroix and Emiliano Martinez. Chelsea actually made a trading profit after selling 17 players.
Official | Saint-Étienne forward Djylian N’Guessan joins Liverpool
Liverpool FC have reached an agreement with AS Saint-Étienne regarding the transfer of Djylian N’Guessan (18).The young striker will officially join the Reds during the upcoming winter transfer win...
Martinelli shares farewell as Arsenal secure sell-on clause
Gabriel Martinelli has shared a farewell with the Arsenal fans, after a club-record transfer to Al Hilal which includes a sell-on clause.Photo by Michael Regan/Getty Images For Premier LeagueGabriel M...
Decisions needed with five players currently set to leave
Liverpool are good at a lot of things.The Reds are good at playing their part in summer-long transfer sagas - see Alexander Isak and Bradley Barcola for more details. The 2024/25 Premier League champi...
Manchester United given heads-up over Harry Kane transfer
Bayern chiefs remain confident that Harry Kane will sign a new contract and that it’s only a matter of time.Decision-makers at the club are particularly keen to keep the England international in Mun...
Official: Lazio Omit Two Defenders From Serie A Squad List
Lazio have handed the Lega Serie A their squad list for the 2026/27 campaign, and it doesn’t include either Patric or Luca Pellegrini.The RulesWith the summer transfer window now behind us, Serie A ...
All completed Serie A deals after the summer transfer deadline
The transfer window came to a close for the majority of European nations on September 1, but a few deals have gone through after the passing of the deadline, including returns for two Serie A veterans...
Ipswich Town v Liverpool: Key stats and talking points
BBC Sport examines some of the key themes before Friday's Premier League match (20:00 BST), with Liverpool heading to Suffolk in search of a first win under Andoni Iraola. Ipswich announced their 14th and final signing of the transfer window on deadline day, with striker Zian Flemming joining from Burnley.
Man United Women Summer 2026 Ins and Outs: Full Recap
3Manchester United Women have brought to an end an eventful transfer window.The Red Devils made a significant change at the start of August, with Marc Skinner departing his role as head coach and Eva ...
Sports quiz of the week: transfer deadline day, the US Open and rugby drama
Have you been following the big stories in football, cricket, tennis, boxing, Formula One and cycling?
Wilfried Zaha emerges as possible free agent target for Roma
Atalanta is just around the corner, but at Trigoria, one eye remains on the transfer market. The summer transfer window ended without the arrival of the left-back requested by Gian Piero Gasperini, an...
Who is Josh Hoover? Meet Indiana's new QB1 replacing Fernando Mendoza
Curt Cignetti is hoping a transfer portal quarterback can take Indiana back to the promise land.
Hull City Players Handed Clear Warning From Manager
Hull City ended a historic summer transfer window after completing 18 signings in total, with six of those players arriving on deadline day.After investing around $204.2 million, according to Transfermarkt estimates, expectations surrounding the Tigers have obviously grown. However, all of these players have already received a warning from the team’s coaching staff.Assistant manager Dean […] The post Hull City Players Handed Clear Warning From Manager appeared first on HEAVY.
English: College football politics are ravaging the game — for Texas, the show still goes on
It’s a hellish era for college football teams. It has become typical for us to go through the same cycle of previously unbelievable news over the offseason. The transfer portal has always resulted in some messiness, as well as highly dubious tampering claims, and finding replacements for head coaches always brings on a little bit...
Bundesliga brings the band back together in Premier League's shadow
As the cashed-up Premier League spent billions in another record-breaking transfer window, many Bundesliga clubs were forced to improvise, bringing back former players on cut-price deals. - 'Back home' - As the transfer window slammed shut on Tuesday evening, FIFA figures showed the Premier League had spent more than $3.02 billion (2.6 billion euros), more than three times the Bundesiga's $904 million.
‘All hell has broken loose’: College football world reacts to LSU ruling
The college football madness continued Thursday night, as a Louisiana judge ruled LSU transfers Dae’Quan Wright and Zxavian Harris are eligible to play after spending the summer in NFL training camps. Wright and Harris are among the 42 athletes currently suing the NCAA for a fifth year of eligibility. Judge William Jorden’s preliminary injunction prevents…
Judge makes pivotal ruling in favor of former NFL players attempting to return to college football
A federal judge has granted an injunction that could reshape the LSU Tigers’ roster and college football eligibility, paving the way for more than 40 athletes, including potential LSU transfers Dae’Quan Wright and Zxavian Harris, to return to the college…
Premier League transfer windfall a lifeline for ailing French clubs
Record spending by English Premier League clubs in the summer transfer window has served as a lifeline across the Channel in France, where cash-strapped teams are more reliant on selling their best players for big money than ever before.English clubs signed Ligue 1 players for a reported total of 800 million euros in the summer window -- meaning that of an overall Premier League spend of 4.1 billion euros, about one fifth went to France.
Celtic Tried to Sign Player from Scottish Rivals Before Deadline
Celtic made a failed attempt to sign a player from one of their Scottish rivals before the summer transfer deadline.
Bill would shift high school transfer eligibility decisions
(The Center Square) – The Illinois High School Association has concerns about new legislation that would allow decisions about transfer students’ athletic eligibility to be made by schools. House Bill 5808 would require the IHSA to allow high school student athletes to transfer with full eligibility if principals from both the sending and receiving schools provide written consent.
Penobscot Community Health Care announces consolidation and layoffs amid financial challenges
Penobscot Community Health Care says it's closing its Adult Wellness Center in Bangor in November and will transition patients to other locations. It's also eliminating 16 administrative positions, though 11 employees will transfer to new roles.
Blue Ridge Health plans new medical facility in Hendersonville
WLOS News 13 provides local news, weather forecasts, traffic updates, notices of events and items of interest in the community, sports and entertainment programming for Asheville, NC and nearby towns and communities in Western North Carolina and the Upstate of South Carolina, including the counties of Buncombe, Henderson, Rutherford, Haywood, Polk, Transylvania, McDowell, Mitchell, Madison, Yancey, Jackson, Swain, Macon, Graham, Spartanburg, Greenville, Anderson, Union, Pickens, Oconee, Laurens, Greenwood, Abbeville and also Biltmore Forest, Woodfin, Leicester, Black Mountain, Montreat, Arden, Weaverville, Hendersonville, Etowah, Flat Rock, Mills River, Waynesville, Maggie Valley, Canton, Clyde, Franklin, Cullowhee, Sylva, Cherokee, Marion, Old Fort, Forest City, Lake Lure, Bat Cave, Spindale, Spruce Pine, Bakersville, Burnsville, Tryon, Columbus, Marshall, Mars Hill, Brevard, Bryson City, Cashiers, Greer, Landrum, Clemson, Gaffney, and Easley.
Arsenal almost signed Spanish winger on deadline day
Racing Santander’s sporting director Chema Aragon has claimed Arsenal pursued a move to sign Pablo Garcia from Real Betis, before the player’s eventual transfer to the Verdiblancos.Photo by Charle...
No. 18 Penn State vs. Marshall Preview & Prediction
It's been over eight months since Penn State football last played a game. In that time, the Nittany Lions have established almost an entirely new coaching staff, added 15 signees, seven walk-ons and a program-record 40 transfers, watched 74 players leave either via the transfer portal, the NFL or graduation, and even switched apparel partners …
Cash Transfer Programs and Children’s Health
A recent Health Affairs policy brief examines what is known about cash transfer programs and their effects on infant and child health outcomes.
Palm Beach Lakes quarterback Jordan Johnson thriving after transfer
Palm Beach Lakes quarterback Jordan Johnson has thrown 10 TDs in two games after transferring from Palm Beach Gardens to follow family legacy.
Barcelona’s financial fair play situation explained after huge summer spending
Barcelona have emerged from one of their busiest transfer windows with almost the same Financial Fair Play margin they had when the summer began.According to SPORT, despite spending €182.5 million o...
Duke, Tulane clash in season opener following championship runs
Transfer quarterbacks Zeon Chriss-Gremillion and Walker Eget clash in Durham as the reigning ACC champions host the Green Wave in a rematch of last year's 34-27 thriller.
Auburn opens Alex Golesh era against Baylor in Atlanta
Alex Golesh makes his Tigers coaching debut alongside South Florida transfer quarterback Byrum Brown, while Florida transfer DJ Lagway takes the helm for the Bears.
Nebraska opens 2026 season against rebuilding Ohio
UNLV transfer quarterback Anthony Colandrea makes his Cornhuskers debut, while new head coach John Hauser leads a Bobcat squad returning just five starters.
UConn Football 2026 season preview: The RB Room
Like most position groups, every major contributor at running back from last year is gone. Cam Edwards, Mel brown, Victor Rosa, Oliver Lundberg Coleman and MJ Flowers transferred out. Those five backs accumulated 1,870 rushing yards and 21 of the team’s 26 rushing touchdowns, with Edwards leading the way, racking up 1,240 yards and hitting […]
West Virginia, Coastal Carolina open season amid QB questions
Rich Rodriguez aims to rebound from a 4-8 campaign in Morgantown, while the Chanticleers kick off the Ryan Beard era with a revamped roster featuring 43 transfer portal additions.
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...
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.
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…
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.
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...
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.
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.
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.
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
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.
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
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...
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.
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
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.
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. 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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.
Midday transfer round-up 💰
With two days to go before the summer transfer window closes in the major leagues, several major moves are in the works or close to being finalized. Here’s a roundup of the first official announceme...
Soungoutou Magassa on verge of West Ham exit
Soungoutou Magassa (22) is set to leave West Ham United before the closure of the transfer window. Spain and Italy are the most likely destinations for the France youth international, Foot Mercato und...
Laci Bohannan has memorable debut for Arkansas volleyball
The UCA transfer put down 15 kills in her Arkansas debut as the Razorbacks moved to 2-0 with their second straight sweep.
Balerdi lands in Rome ahead of Roma medical
Roma is preparing to welcome their fifth signing of this transfer window. The Giallorossi closed negotiations with Marseille in just a few hours for the transfer of Leonardo Balerdi, a right-footed Ar...
College football analyst says college sports don’t need NCAA anymore
Paul Finebaum says the NCAA is no longer needed as college football conferences gain power amid constant NIL, transfer portal, and eligibility battles.
Victory Brewing Company's taproom in Philadelphia reopens after failing health inspection
Camp Eberhart & Beacon Health Foundation team to help families
The costs of summer camp can put the experience out of reach for some families.However, a new partnership is working to change that.Beacon Health Foundation and
Arsenal Facing Painful Blow as Martinelli Transfer Takes Major Turn
Gabriel Martinelli is closing in on a move from Arsenal to Saudi Pro League club Al Hilal after giving the green light to the transfer, according to journalist Fabrizio Romano. The Arsenal winger has agreed to the move as both clubs work through the final stages of negotiations. Romano reported on Friday: “Understand Gabriel Martinelli […] The post Arsenal Facing Painful Blow as Martinelli Transfer Takes Major Turn appeared first on HEAVY.
Marseille sporting director provides update on Sunderland target Igor Paixao
Speaking to Canal Plus at the UEFA Europa League draw in Monaco, Olympique de Marseille sporting director Grégory Lorenzi provided an update on the transfer of Sunderland target Igor Paixao (26). Pai...
$160K in designer merchandise stolen from Rochester business, owner says
13WHAM ABC Rochester provides local news, weather forecasts, traffic updates, health reports, notices of events and items of interest in the community, local sports and entertainment programming for Rochester and nearby towns and communities including Greece, Victor, Pittsford, Penfield, Henrietta, Webster, Irondequoit, Fairport, Chili, Gates, Rush, Wheatland, Canandaigua, Farmington, Spencerport and Hilton.
Berrien County Health Department holds back-to-school event in Niles
The Berrien County Health Department will be helping kids in the southern part of the county get ready for the first day of school on Monday.As it did in Benton
SCIENCE SUNDAY: Heat transfer
Chief meteorologist Mark Dixon experiments with thermal imaging in Aug. 30th's Science Sunday.
Georgia Tech football’s Brent Key enjoys transfer portal ‘inexact science’
With the transfer portal one of the most criticized parts of college football, Georgia Tech football coach Brent Key speaks positively about building a roster through it.
Behind the Great Wealth Transfer: Citizens bets on business owners
As Citizens expands its advisory footprint, the bank is also going after wealth trapped inside business ownership
🤑 City seal Bouaddi for a record fee, above Brazilians
The official signing of Moroccan player Ayyoub Bouaddi by Manchester City has set a new record in the market for players up to 18 years old.According to Transfermarkt data, the €95 million (R$570 mi...
Cardiff boss Barry-Murphy wants busy end to window
Head coach Brian Barry-Murphy hopes Cardiff City will be very busy in the final week of the transfer window as he looks for reinforcements to solve their defensive injury crisis.
The key points from Joan Laporta’s crucial meeting with Barcelona’s sports committee
Barcelona are heading into the final week of the transfer window with a clear message emerging from the club’s sporting leadership: Julian Alvarez remains the target, and there is little interest in...
Berrien County Health Department hosts back-to-school bash in Benton Harbor
As Michigan prepares to go back to school on Monday... the Berrien County Health Department hosted a back to school bash today in Benton Harbor.The event giving
Julian Alvarez transfer latest: Atletico standing firm on Barcelona as Arsenal become only get out for Argentine striker
Julian Alvarez is holding out for a move to Barcelona, but Atletico Madrid are standing firm on the refusal to sell to their LaLiga rivals; Atletico football expert Ruben Uría believes the only way out for Alvarez is to join Premier League champions Arsenal
RMV to move Chicopee business services to Springfield
The Massachusetts Registry of Motor Vehicles will transfer its business customer services from the Chicopee Service Center to the Springfield Service Center.
Record number of sports transfers for CIF schools recorded in 2025-26
According to CIF stats, there was a record number of 17,618 sports transfers for the 2025-26 school year.