Credit Cards The $8 Credit Card Late Fee Is Dead. Turn On Autopay Before Your Next Slip Costs $32.
The CFPB filed a Request for Information on July 7 that quietly confirms the $8 late-fee cap is gone for good. Fees are back to $32 first offense, up to $41 after that. Autopay is your cheap, boring fix.
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Mortgages
Your PMI Is Deductible Again in 2026. If Your AGI Is Under $110K, Track Every Payment Now.
The One Big Beautiful Bill Act made the mortgage insurance premium deduction permanent for premiums paid on or after January 1, 2026. Historically it saved qualified homeowners about $1,454 a year. The income phaseout starts at $100,000 and ends at $110,000.
Savings
If You Got Scammed on Zelle, One Word Decides Whether You Get Refunded
Since June 30, 2023, banks on the Zelle network have had to reimburse victims of a specific kind of scam. Every other scam, they will deny. Here is the exact wording that gets your money back, and where to escalate now that the CFPB pulled out and state AGs took over.
Money & Life
Your Power Bill Is Up 25% in Four Years. Data Centers Are Winning.
The average U.S. residential electricity rate hit 18.83 cents per kWh in April 2026, up 7.3 percent year over year. Commercial use is projected to pass residential in 2027 for the first time on record, driven by AI data centers. Two moves that actually lower your bill.
Money & Life
The IRS Won't Mail Your Refund Anymore. Fix It Before You File.
Executive Order 14247 ended paper IRS refund checks on September 30, 2025. If you leave the banking fields blank on your return, the refund gets stuck. Here is the move.
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