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Open Banking
Why the CFPB Is Allowing Banks to Charge Third-Party Apps for Consumer Data
3 sources · 76d ago
Explainer
Senate Bill Classifies Home Equity Investments as Mortgages, Subjecting Them to Federal Consumer Protections
4 sources · 77d ago
Credit Card Fees
CFPB Reopens Credit Card Late Fee Debate With Formal Request for Information to OIRA
6 sources · 77d ago
More in Personal Finance
ExplainerDigital Credit
CFPB Classifies 'Pay-in-4' BNPL as Credit Card, Mandating Dispute and Refund Protections
Consumer Protection Advocates 40%Traditional Financial Institutions 30%Legal & Compliance Analysts 30%
Student Debt
130,000 Borrowers Petition White House for Student Loan Payment Pause Amid System Failures
Borrower Advocates 40%Federal Administrators 35%Fiscal Conservatives 25%
ExplainerClimate Strategy
New Research: Consuming Less, Not Just Greener, Is Strongest Climate Lever
Sufficiency Advocates 40%Green Growth Proponents 35%Behavioral Researchers 25%
Tax Enforcement
IRS Launches Major Enforcement Push Targeting Retirement Income and Senior Filers
Tax Professionals 35%Retiree Advocates 35%Enforcement Officials 30%
New ConstructionEvidence Pack
Historic Inversion: Median Price of New Homes Drops Below Existing Homes for the First Time as Builder Concessions Mount
Real Estate Industry Analysts 35%Homebuilders & Developers 35%Buyer Representatives & Agents 30%
ExplainerHousing Market
Why U.S. Luxury Home Sales Rose 6.2% While Starter Home Sales Dropped 5.4%
First-Time Buyers 35%Luxury Market Participants 35%Macroeconomists 30%
ExplainerTax Policy
New Rules for the $25,000 Tip Deduction, Overtime Exemption, and $40,000 SALT Cap
Hourly & Service Workers 41%High-Tax State Residents 29%Tax Policy Analysts 29%
ExplainerHousehold Debt
Rising Food Costs Push Millions to Finance Groceries as U.S. Debt Reaches $18.8 Trillion
Macroeconomists 40%Consumer Advocates 35%Financial Planners 25%
Modern RomanceTrend Analysis
Macro-Anxiety Rewrites Dating: 95% of Singles Prioritize Emotional Stability Over 'Spark'
Behavioral Psychologists 40%Economic Realists 35%Dating Industry Analysts 25%
ExplainerInflation Mechanics
Why an Iran Oil Shock and 4.2% Inflation Forced the Fed to Halt Rate Cuts
Hawkish Economists 35%Consumer Advocates 35%Energy Analysts 30%
ExplainerGenerational Wealth
New Section 530A Accounts Seed $1,000 for Every Newborn to Build Long-Term Wealth
Universal Wealth Proponents 45%Corporate Philanthropists 30%Fiscal Skeptics 25%
ExplainerMortgage Pricing
FHFA's LLPA Overhaul Uses High-Credit Fees to Subsidize Lower-Score Borrowers
Housing Equity Advocates 35%Risk-Based Pricing Purists 35%Consumer Finance Analysts 30%
ExplainerStudent Debt
The One Big Beautiful Bill Act Ends Grad PLUS and Replaces Income-Driven Repayment Plans
Financial Aid Administrators 35%Borrower Advocates 35%Fiscal Policy Analysts 30%
Modern Romance
Major Study Finds Only 30% of Young Adults Are Actively Dating as Singles Pivot to Financial Stability and Analog Meetups
Financial Pragmatists 40%Mental Health Advocates 35%Analog Romantics 25%
ExplainerHousing Policy
The Housing Affordability and Access Act Caps Investor Buys and Backs Small Mortgages
Housing Affordability Advocates 40%Mortgage Industry 35%Economic Researchers 25%
ExplainerYield Strategies
CD Laddering Balances Peak Yields and Cash Liquidity Ahead of Fed Rate Cuts
Yield Optimizers 40%Liquidity Prioritizers 30%Institutional Analysts 30%
ExplainerWealth Regulation
SEC Raises Qualified Client Threshold to $2.7 Million to Limit Performance Fees
Investor Protection Advocates 45%Private Market Managers 35%Fiduciary Wealth Advisors 20%
Budgeting StrategiesTrade-Off Analysis
Zero-Based Budgeting vs. Automated Savings to Counter Frictionless Digital Spending
Automation Proponents 40%Zero-Based Advocates 35%Hybrid Planners 25%
Explainer401(k) Regulation
DOL Safe Harbor Rule Uses Six Factors to Add Private Equity and Crypto to 401(k) Plans
Alternative Asset Proponents 35%Consumer Protection Advocates 35%Plan Sponsors & Fiduciaries 30%
Checkout FinanceRegulatory Shift
The BNPL Credit Trade-Off: How the EU's New Rule Extends Strict Consumer Loan Protections to 'Buy Now, Pay Later'
Consumer Rights Advocates 44%BNPL Providers & Fintechs 33%Traditional Banks 22%
ExplainerTax Policy
New 2026 Tax Rules Exempt Tip Income and Expand Standard Deductions for Seniors
Tax Relief Advocates 40%Fiscal Analysts 30%Tax Administrators 30%
Retirement Policy
DOL Withdrawal of the 2024 Rule Exempts One-Time 401(k) Rollovers from Fiduciary Duty
Consumer Advocates 35%Insurance & Brokerage Industry 35%Fee-Only Planners 30%
Preventive HealthPolicy Explainer
House Committee Passes Bill Allowing HSA and FSA Funds for Gym Memberships and Fitness Expenses
Health & Fitness Industry 40%Working Families & Youth Advocates 35%Tax Policy Analysts 25%
ExplainerStudent Debt
ARPA Sunset Restores Federal Taxes on Income-Driven Student Loan Forgiveness in 2026
Tax Professionals & Financial Advisors 35%Borrower Advocacy Groups 35%Policy Analysts & Legal Observers 30%
ExplainerTax Penalty Relief
IRS Penalty Relief: Why Millions Must Claim 2020-2023 Refunds Before July 10
Taxpayer Advocates 40%Tax Professionals 35%Fiscal Policy Analysts 25%
ExplainerGenerational Wealth
Why the $36 Trillion Boomer Inheritance Will Bypass the Middle Class
Estate Planning Professionals 35%Wealth Inequality Analysts 35%Economic Forecasters 30%
ExplainerMortgage Underwriting
FHFA Historical Data Prepares Mortgage Lenders for FICO 10T and VantageScore 4.0
Consumer Advocates 35%Federal Regulators 35%Mortgage Lenders 30%
ExplainerRetirement Strategy
SECURE 2.0 Raises 401(k) Limits to $24,500 and Adds Super Catch-Up for Ages 60 to 63
Retirement Planners 40%Policy Analysts 35%Everyday Savers 25%
Algorithmic Bias
University Study Finds Major AI Chatbots Give Biased Financial Advice Based on User Race and Gender
Academic Researchers 40%Consumer Advocates 30%AI Industry Observers 30%
ExplainerHome Insurance
The End of the RCV Mandate: How the FHFA's New Roof Insurance Rule Lowers Monthly Costs
Housing Affordability Advocates 40%Risk & Consumer Analysts 35%Insurance Market Trackers 25%
Bank Fees
Reversal of the CFPB Overdraft Cap Restores $35 Charges and $12 Billion in Bank Fees
Consumer Protection Advocates 40%Banking Industry Representatives 40%Free-Market Policymakers 20%
ExplainerTax Policy
Raising the SALT Deduction Cap to $40,400 Drives a Return to Itemizing in 2026
High-Tax State Residents 40%Fiscal Policy Analysts 35%Tax Professionals 25%
ExplainerConsumer Credit
The EU's New Consumer Credit Directive: Regulated BNPL vs. Traditional Credit Cards in 2026
Consumer Protection Advocates 39%Fintech and Retail Industry 33%Legal and Compliance Experts 28%
Crypto RegulationPolicy Explainer
South Korea's Proposed Rules for Seizing and Liquidating Crypto in Civil Disputes
Legal Enforcement Advocates 45%Crypto Industry Operators 35%Retail Investors 20%
Agentic Finance
FCA Finds 11 Million UK Adults Ready to Delegate Financial Decisions to Agentic AI
Regulatory Pragmatists 40%Tech Optimists 35%Algorithmic Skeptics 25%
ExplainerMortgage Stress
Why a 34% Jump in Foreclosure Inventory Signals Normalization, Not a Crash
Housing Economists 40%Consumer Advocates 30%Mortgage Servicers 30%
ExplainerRetirement Taxes
Surging AI Stock Gains Are Inflating RMDs and Triggering Retirement Tax Traps
Tax Planners 45%Public Policy Analysts 30%Retiree Advocates 25%
ExplainerFractional Ownership
How Fractional Ownership and DSTs Open Institutional Real Estate to Everyday Investors
Retail Investors 35%Tax-Deferred Exchangers 35%Traditional Real Estate Purists 30%
ExplainerInflation Dynamics
Why Shelter and Energy Costs Drove June 2026 CPI Inflation to 4.2%
Monetary Hawks 35%Consumer Advocates 35%Transitory Proponents 30%
Federal Savings
Treasury Begins Rolling Out $1,000 Seed Deposits for New 'Trump Accounts'
Wealth Equality Advocates 40%Fiscal Conservatives 30%Behavioral Economists 30%
Explainer401(k) Mechanics
Why 401(k) Hardship Withdrawals Tripled Despite Record Account Balances
Consumer Economists 40%Plan Administrators 35%Regulatory Bodies 25%
ExplainerWorkforce Funding
STATS Framework Expands Pell Grants to Short-Term Training and Replaces Gainful Employment
Workforce & Trade Advocates 44%Higher Ed Administrators 33%Accountability Hawks 22%
ExplainerOpen Banking
CFPB Data Rights Rule Replaces Screen Scraping With Secure API Sharing
Consumer Advocates 40%Fintech Innovators 35%Traditional Institutions 25%
ExplainerStudent Debt
Department of Education's 1% Autopay Discount Accelerates Federal Student Debt Payoff
Borrower Advocates 40%Behavioral Economists 35%Federal Administrators 25%
Tax Compliance
Supreme Court Lets IRS Assess Innocent Taxpayers Indefinitely for Preparer Fraud
Taxpayer Advocates 35%The Internal Revenue Service 35%Accounting and Tax Professionals 30%
Corporate Benefits
Goldman Sachs Seeds Trump Accounts With $2,500 in First Wall Street Adoption
Financial Planners 40%Corporate HR Strategists 35%Labor Economists 25%
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