Wages before payday get a rulebook
Twelve states have decided early access to earned pay is not a loan. What they disagree about is what it is instead.
SEPTEMBER 7, 2026
TopicLending
Embedded credit meets its cost of funds
Point-of-sale lending grew up when money was free. It is now a business where the spread has to cover the funding, and the losses.
AUGUST 22, 2026
Cash-Flow underwriting reaches the credit invisible
Permissioned bank-account data is turning thin-file borrowers into scoreable ones, with regulators watching the models closely.
MAY 15, 2026