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Fred VanVleet Rests and Marcus Smart Gets the Keys Over Reed Sheppard
Ime Udoka prioritizes veteran stability as Houston manages Fred VanVleet’s recovery. Defensive stalwart Marcus Smart takes the starting reins during back-to-backs, keeping rookie Reed Sheppard in a reserve role.
Proposed business district would put the Arts District’s future in property owners’ hands
The once-niche creative refuge of Downtown Las Vegas has transformed into a busy local hangout, but the neighborhood’s business owners, residents and artists are asking a familiar question: Is this place still for us?
Auburn Linebacker Xavier Atkins Dismissed From Football Program
Auburn linebacker Xavier Atkins has reportedly been dismissed from the football program following a disciplinary issue that sidelined him against Georgia. With Atkins no longer on the roster, Alex Golesh and DJ Durkin must rely on Elijah Melendez, Bryce Deas and De'Marcus Riddick against LSU.
Notre Dame Opponent Preview: BYU Cougars
Two undefeated titans collide under the Provo lights as Marcus Freeman’s Irish face a top-ten road test against a high-powered Cougar offense with massive playoff implications.
Gears of War: E-Day server crashes and login problems are because of DDoS attacks, studio says
If you've been having server issues with Gears of War: E-Day, you're not alone, and there's now a reason for it: DDoS attacks.
Gold Coast retail space once home to Marcus Lemonis’s boutique heads to auction
Marcus, an upscale women’s clothing store owned by celebrity entrepreneur Marcus Lemonis and his wife shuttered its location there in August 2025.
ASU's Marcus Arroyo to return to play-calling role
Arroyo spent all of ASU's 2024 season and the 2025 regular season calling plays before Dillingham took over for the Sun Bowl.
Seth Haron | 40 Under 40 2026
Seth Haron, managing director of investments at Marcus & Millichap, is a 2026 Crain's Detroit Business 40 Under 40 honoree.
Commanders' Dan Quinn provides update on Marcus Mariota's knee injury
What's the latest on quarterback Marcus Mariota?
3 veteran quarterbacks Commanders could pursue after Marcus Mariota's injury
Even if Jayden Daniels returns next week, the Commanders could need another veteran, especially if Marcus Mariota is out for a while.
Marcus Mariota productive before injury
Commanders QB Marcus Mariota sees limited work before suffering injury
Marcus Mariota suffers knee injury
Commanders QB Marcus Mariota exits Week 4 game after suffering knee injury
How Americans’ Financial Health Is Faring In The “K-Shaped” Economy
Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. 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. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.
Texas Tenors set to open Entertainment Series at the Whatley Center on October 20
September 29, 2026 Three powerhouse voices spanning country, classical, Broadway and pop will take the Whatley Center stage when The Texas Tenors perform Tuesday, Oct. 20, at 7:30 p.m. The Texas Tenors — JC Fisher, Marcus Collins and John Hagen — first gained national attention as finalists on NBC’s America’s Got Talent in 2009. Since then,…
Commanders rule out Jayden Daniels, confirm Marcus Mariota will start vs. Colts in London Week 4
Jayden Daniels out for Week 4
Washington Commanders QB Jayden Daniels (elbow) won't play in Week 4. QB Marcus Mariota will start against the Indianapolis Colts.
Arkansas basketball expected to host more top talent soon
Arkansas basketball coach John Calipari and staff will take a break from hosting recruits this weekend after recently entertaining five of the top prospects in the nation.
Rafael Stone Saw the Rockets Problem and Actually Addressed It
By acquiring Marcus Smart and Bogdan Bogdanović, Houston injects veteran playmaking and shooting into Ime Udoka’s defensive system to fix a stagnant offense without sacrificing their grit.
Zacks Industry Outlook Highlights Life Time Group, Marriott Vacations, AMC Entertainment and Marcus
For Immediate ReleaseChicago, IL – September 30, 2026 – Today, Zacks Equity Research discusses Life Time Group Holdings, Inc. LTH, Marriott Vacations Worldwide Corp. VAC, AMC Entertainment Holdings, Inc. AMC and The Marcus Corp. MCS.Industry: Leisure & RecreationLink: https://www.zacks.com/commenta…
Zacks Industry Outlook Highlights Life Time Group, Marriott Vacations, AMC Entertainment and Marcus
LTH, VAC, AMC and MCS show growth as leisure companies navigate selective spending, cost pressures and evolving demand.
Notre Dame Opponent Preview: North Carolina Tarheels
Marcus Freeman chases a historic 5-0 start as the Irish face Bill Belichick’s revitalized squad. Explore how a high-powered offense and defensive shifts have transformed the Tar Heels.
Marcus Mariota is truly unbeatable against Seattle
Colt McCoy no longer ranks compared to Mariota.
Mariota stars as Commanders end Seahawks' winning run
Marcus Mariota threw three touchdown passes as the Washington Commanders claimed a 33-31 victory over Seattle to end the Seahawks' long winning streak. Seattle had won a dozen games in a row, following up last season's Super Bowl triumph by starting their campaign with back-to-back triumphs, but Mariota starred in the absence of the injured Jayden Daniels.
Mariota stars as Commanders end Seahawks' winning run
Marcus Mariota threw three touchdown passes as the Washington Commanders claimed a 33-31 victory over Seattle to end the Seahawks' long winning streak. Seattle had won a dozen games in a row, following up last season's Super Bowl triumph by starting their campaign with back-to-back triumphs, but Mariota starred in the absence of the injured Jayden Daniels.
Notre Dame Remains Ranked No. 3 In Latest Coaches Poll
Marcus Freeman’s squad secured a perfect September by dismantling Purdue, fueled by CJ Carr’s four-touchdown performance and a dominant defense as chaos shook the Top 25 rankings.
Demarcus Robinson won't play in Week 3
Demarcus Robinson to miss Week 3 due to ankle injury
Marcus Edwards explains decision to represent Cyprus
Marcus Edwards has explained his decision to represent Cyprus at international level, saying he wants to make his family and the country’s supporters proud.The Burnley winger spoke to the media as C...
Taylor Swift releases 4 new songs, including 'Patient Zero'
Taylor Swift's 'The Life of a Showgirl: The Encore' (Mert Alas & Marcus Piggott)
CBS Sports ranks Marcus Stokes the No. 40 quarterback in updated QB power ranking
CBS Sports’ David Cobb has posted a “College Football QB Power Rankings” every week throughout the college football season, and he ranked Marcus Stokes No. 40 in his updated rankings after week 3. The Tigers’ quarterback moved up two spots from last week after a nice performance against UT Martin, and he’s one of eight non-Power Four quarterbacks in the top 50.
Can Marcus Mariota Keep Washington Commanders' Offense on Track?
Jayden Daniels’ injury leaves Marcus Mariota with more than a starting job. He inherits an offense missing its biggest rushing threat, dealing with injuries along the offensive line and searching for more production from its WR1. Through it all, Mariota must keep Washington’s offense moving.
Former Halo Devs React To Mass Layoffs And The Activision Takeover: ‘Absolutely Brutal To See That Studio Reduced To A Shell’
Bonnie Ross, Kiki Wolfkill, and Halo co-creator Marcus Lehto were among the many former Halo devs reacting to the news
Wednesday Morning Links
Morning, all! Marcus Semien is in town with the Mets for the first time since being traded last offseason and reminisced about his time with the Rangers. The Rangers have placed Joc Pederson on the IL, retroactive to Saturday, but are hopeful he will be available if they make the playoffs. Pederson also missed time […]
‘Healthy and Delicious Can Coexist’: Experts Discuss Making Food More Joyful and Sustainable
Cécile Beliot-Zind, Ertharin Cousin, Vikas Khanna, and Marcus Samuelsson spoke on a panel at TIME100 Talks: Architecting Healthier Food Systems for All.
OSU’s special teams responded to challenge from JaMarcus Shephard
Xayvion Noland returned three kickoffs for 79 yards, including a 46-yarder, and four punts for 37 yards, with a 29-yard return in the 52-17 win for the Beavers.
Memphis QB Marcus Stokes named American Conference Honorable Mention
On Monday, Marcus Stokes was named an American Conference Honorable Mention after throwing for four touchdowns against UT Martin.
Marquette Business to host Baum Spirit of Entrepreneurship Summit Presented by Marcus Corporation, Nov. 18
This complimentary event will feature MIT entrepreneurship leader Bill Aulet, an expert panel and the Marquette Invitational Pitch Competition.
Commanders' Marcus Mariota heartbroken for Jayden Daniels
Marcus Mariota heartbroken Jayden Daniels after Sunday's injury.
How Marcus Mariota, Commanders reacted to Jayden Daniels injury
“It sucks”: Marcus Mariota, Commanders promised to maintain resolve after Jayden Daniels injury vs. Cowboys
What JaMarcus Shephard said after Oregon State beat Montana
JaMarcus Shephard spoke to reporters following his first victory as a head coach, a dominant 52-17 win over Montana at Reser Stadium.
Serie A official line-ups: Roma vs. Inter
It’s a top of the table Scudetto showdown with Donyell Malen, Paulo Dybala and Matias Soulé leading Roma against Inter’s Lautaro Martinez, Marcus Thuram and Curtis Jones.It kicks off at the Stadi...
U21s secure well-earned 2-0 win over Newcastle
Premier League 2Leeds United U21 2 (McDonald 18’, Lane 78’)Newcastle United U21 0 Leeds: Cook (GK), Lane, Philpott, Howson, Lienou, Howard (Enahoro-Marcus 82’), Vincent, Chadwick, Alker (Whitehe...
Gears of War: E-Day Has Gone Gold, Pre-Install Begins September 29, Full PC Specifications Revealed
Gears of War: E-Day has officially gone gold - check out the full PC specifications and when you can pre-install inside.
Lakers Insider Reveals Marcus Smart's Reasoning to Leave the Lakers
Details on Marcus Smart's shocking exit from Los Angeles after stellar playoff performances
Here's the second wave of Xbox Game Pass games coming in September
There are some big new games coming to Xbox Game Pass in the second-half of September.
Thuram happy with Inter reaction and praise for Bonny
Marcus Thuram insists Inter’s comebacks prove they ‘are a team that know how to react’ and can rely on players off the bench like Ange-Yoan Bonny after beating Udinese 5-3.This felt almost like ...
Marcus Freeman Pleased With The Development Of Notre Dame Underclassman
Freshman standout Jonaz Walton and a wave of emerging underclassmen are seizing their opportunities, blending elite speed with refined technique to bolster the Irish depth chart.
One Key Lakers Offseason Departure Will Hurt More Than Expected
Marcus Smart leaving the Los Angeles Lakers will sting.
Key Takeaways From Notre Dame's Offense Against The Rice Owls
CJ Carr’s aerial clinic sparked a dominant shutout victory, showcasing elite receiver depth while exposing unexpected rushing struggles that Marcus Freeman must address before tougher matchups.
Revealed: Pep Guardiola Wanted Marcus Rashford For Surprise Position
The Manchester City boss reportedly moved for the forward following his thirty-goal explosion, viewing the pacy attacker as an elite talent capable of transforming the Blue side.
Bournemouth 2-2 Brentford: What Rose said
Bournemouth became the first team to have led in each of their first four games of a Premier League season and fail to win any of them (D3 L1). Marcus Tavernier scored his 21st goal in the Premier League for Bournemouth, making him just the sixth player to score more than 20 in the competition for the Cherries, after Joshua King, Callum Wilson, Antoine Semenyo, Dominic Solanke, and Justin Kluivert.
Revealed: Marcus Rashford Development Ignored Until Hansi Flick
After a revitalising La Liga title win, the rejuvenated forward credits Hansi Flick’s direct coaching for salvaging his career before a high-stakes return to Michael Carrick’s squad.
Politics Unplugged Podcast: Marcus Dell’Artino on the November election
Republican strategist Marcus Dell’Artino returns to talk about polling for the election races and whether Democrats may gain control of the Legislature. Dell’Artino says affordability—covering inflation, housing and gas prices—continues to dominate voter concerns. They also examine whether low Republican energy, Democratic turnout efforts and negative campaigning could reshape the governor’s race. Water security and Colorado River cuts are rising on voters’ priority lists as Arizona’s growth continues. The discussion also looks at whether Trump fatigue and a possible Democratic wave could affect control of the Legislature.
Politics Unplugged Podcast: Marcus Dell’Artino on the November election
Republican strategist Marcus Dell’Artino returns to talk about polling for the election races and whether Democrats may gain control of the Legislature. Dell’Artino says affordability—covering inflation, housing and gas prices—continues to dominate voter concerns. They also examine whether low Republican energy, Democratic turnout efforts and negative campaigning could reshape the governor’s race. Water security and Colorado River cuts are rising on voters’ priority lists as Arizona’s growth continues. The discussion also looks at whether Trump fatigue and a possible Democratic wave could affect control of the Legislature.
Politics Unplugged Podcast: Marcus Dell’Artino on the November election
Republican strategist Marcus Dell’Artino returns to talk about polling for the election races and whether Democrats may gain control of the Legislature. Dell’Artino says affordability—covering inflation, housing and gas prices—continues to dominate voter concerns. They also examine whether low Republican energy, Democratic turnout efforts and negative campaigning could reshape the governor’s race. Water security and Colorado River cuts are rising on voters’ priority lists as Arizona’s growth continues. The discussion also looks at whether Trump fatigue and a possible Democratic wave could affect control of the Legislature.
Notre Dame vs Rice Game Predictions
The Fighting Irish eye a statement home opener as Marcus Freeman’s squad brings a dominant defense to face a dual-threat Rice attack in this historic mismatch.
Carrick told he has to grant one Red his first start vs City as well as Man Utd star who was unused in UCL opener
Michael Carrick has been urged to start both Benjamin Sesko and Marcus Rashford for Sunday’s Manchester derby.United welcome their arch-rivals to Old Trafford for Sunday’s 4.30pm kick-off.How Benj...
Gordon a better fit for Barca than Rashford
Barcelona sporting director Deco says Anthony Gordon's style was a better fit for Hansi Flick's side than Marcus Rashford's as the club strengthened their squad this summer.
Notre Dame Fighting Irish vs Rice Owls: Recruiting Comparison
Marcus Freeman’s squad boasts a massive talent advantage on paper. Discover how the Irish’s elite blue-chip prospects stack up against the Owls' developmental roster before kickoff.
Notre Dame Opponent Preview: Rice Owls
Marcus Freeman seeks to break a home-opener slump as the Irish host a portal-heavy Owls squad boasting a dynamic ground game and quarterback Jacurri Brown.
Oregon didn't appreciate Boise State dancing to "Shout"
Oregon didn't take too kindly to Boise State players dancing to “Shout.” The Ducks play the iconic song from the film “National Lampoon's Animal House” during the break between the third and fourth quarters of every home game at Autzen Stadium. The video scoreboard shows the Nike commercial made in 2015 that features Oregon stars, including former quarterbacks Marcus Mariota and Joey Harrington, who recreate the film's toga party scene.
Analysis: Late goal costs Cherries... again
New Bournemouth boss Marco Rose had just finished giving high fives to his staff on the bench when Newcastle pulled a goal back - scoring 101 seconds after Malick Thiaw's own goal. Marco Rose's side had outfoxed and outplayed Newcastle for the majority of the opening period with an intelligent display. Evanilson fired over from a good position after Sven Botman gave the ball away, while a slick counterattack culminated in a tame finish by Marcus Tavernier.
Oregon State football vs Houston updates. Score, highlights, analysis
The Oregon State Beavers and first-year head coach JaMarcus Shephard open the 2026 football season at Houston. Follow along for live updates.
Marcus Rashford celebrates Man United return with special tribute
1Manchester United forward Marcus Rashford has hinted at his stance on wearing the No. 9 shirt at Old Trafford. The English forward was handed the iconic shirt this summer after returning from his tem...
From playing with Rashford to non-league and new career
Ten years after lining up with Marcus Rashford for Manchester United, Joe Riley tells BBC Sport about his new career - and why he does not miss full-time football.
What Marcus Stokes said after his first start at Memphis
Marcus Stokes met with the media earlier this week after the Tigers’ 27-21 win over UNLV. He talked about his performance, the Tigers’ run-pass option and this week’s opponent.
Patriots’ Captain Announcement Has Fans Questioning One Major Omission
The New England Patriots have their captains for the 2026 season. It didn’t take long for the conversation to shift toward the player who wasn’t among them. New England announced Tuesday that quarterback Drake Maye, tight end Hunter Henry, safety Kevin Byard III, cornerback Marcus Jones, linebacker Robert Spillane and offensive tackle Morgan Moses were […] The post Patriots’ Captain Announcement Has Fans Questioning One Major Omission appeared first on HEAVY.
Patriots placing top backup swing tackle on injured reserve
The Patriots are reportedly placing improved second-year offensive tackle Marcus Bryant on injured reserve.
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.
Is Germany benefitting yet from the crisis in US research?
Science|Business - Table.Media partnershipScience|Business has partnered with Table.Media, a leading source of news about higher education and research in Germany. Each week, we are publishing one of each other’s stories to give readers an even broader range of insight into R&D policy across Europe.Drawing over 500 participants, the German Academic International Network conference in San Francisco brings together researchers, universities, scientific organisations and policymakers in the US as part of an attempt to recruit international talent for Germany. It also serves as an annual barometer for the uncertainty triggered by the Trump administration’s science policies. As was the case last year, Germany’s political presence was unusually strong: federal lawmakers, nine state ministers of science and research, and federal research state secretary Marcus Pleyer all attended. Joybrato Mukherjee, president of the German Academic Exchange Service (DAAD), has observed a marked shift at US universities a year after the Trump administration began sweeping interventions: the initial state of "shock and paralysis" has given way to a strategic approach to the situation. Universities are seeking new funding sources, mounting legal challenges against interventions and opening themselves up more to international collaborations, including with Germany, he said. Early-career international researchers with expiring visas are considered particularly vulnerable. Germany is benefiting from increased demand among this pool of young talent; the country’s 1,000 Minds Plus programme, designed in part to lure German academics back home, has already filled up around one-third of its capacity. Meanwhile, Markus Blume, Bavaria’s science minister and current chair of the federal Conference of Science Ministers, sees an "enormous outflow of talent from the US." An increasing number of international researchers want to leave. Applications to Canada have risen by 42% January, and those to Europe by 32%. Meanwhile, the number of people drawn to the US is plummeting. "In this context, Germany must position itself as a prime destination offering reliable conditions, institutional stability and academic freedom, including through smart collaborations," Blume told Table.Briefings.“Darkest hour”At the get-together in San Francisco, the former president of the US National Academy of Sciences, Marcia McNutt, highlighted the gravity of the situation on the ground in a keynote address. She described the present moment as the "darkest hour for the US scientific system." At the same time, she said that cooperation should be maintained, especially during a crisis. Established researchers in the US are less likely to leave. Ulrike Malmendier, a former member of the German Council of Economic Experts and an economist at Berkeley, explained why established researchers are not packing their bags and leaving the US in droves: working conditions and the concentration of talent at places like Berkeley and Stanford remain unparalleled. According to Peter-André Alt, managing director of the Wübben Foundation, which helps Germany attract international academics, political restrictions are not the only grievance voiced by US-based researchers. "There are evidently still many areas where, fortunately, unfettered research is possible," Alt told Table.Briefings. Instead, the primary complaint concerns the cost of living, which has "skyrocketed” to absurd levels. "Runaway inflation, like that currently seen in the US, is certainly no draw for young scientific talent,” he said. Return homeA growing number of early-career researchers from Germany appear to be considering a return home. Jörn Benzinger, who is responsible for recruiting early-career researchers from abroad at Ruhr University Bochum, reports numerous conversations with researchers who are taking a closer look at the German academic landscape."Germany has definitely moved more into the spotlight,” he said. States, university alliances and research organisations joined forces to recruit talent. Bavaria, Baden-Württemberg and North Rhine-Westphalia were prominently represented, as were alliances such as the Berlin University Alliance and the University Alliance Ruhr. Benzinger sums up Germany’s approach with a new formula: "collaboration is the new competition." He notes that it is becoming increasingly difficult for individual universities to gain international visibility, while regional research ecosystems and collaborations are growing in importance. Afraid to leaveThe crisis in the US academic sector is also straining transatlantic research relations. Benzinger reports that some US-based researchers had to decline brief invitations to Germany because they could not be certain of being allowed to re-enter the US afterward.He considers the simple poaching of researchers to be the wrong approach; what is needed, he says, are "reliable offers and long-term partnerships."However, Green Party politician Ayşe Asar, who also attended the conference, sees a significant need for improvement, particularly regarding career paths in Germany.While lifetime professorships and academic freedom certainly make Germany attractive, young researchers also require predictable career paths, tenure-track positions and flatter hierarchies.
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