Deep dives into the products, services, and decisions that matter most to your wallet.
The Eighth Circuit threw out the FTC's Negative Option Rule six days before companies had to comply with it. The rule is gone. The statute underneath it never went anywhere, and it is the one that wins cases.
It arrives in a windowed envelope and it is not a cancellation, which sounds like good news and isn't. Non-renewal rates have tripled in Florida since 2019, and the map now includes New England, the Carolinas, and the Northern Rockies.
FICO built two scoring models that read buy now, pay later data. Affirm and Klarna started furnishing it. The short-term installment plan that used to be invisible to lenders is now a tradeline, and the reporting is uneven in ways that matter.
The enhanced premium tax credits ended on January 1. Marketplace premium payments are up 114 percent on average, and if you earn over roughly $63,000 on your own, your subsidy did not shrink. It went to zero.
