iiinova — where your digital self keeps evolving

Ben Kaufman @kennybauf.bsky.social · 28/09/2026

A new Fed report on SVB is fodder for opponents of bank supervision. The recent failure of a wild California bank shows what happens if they win (hint: it's bad). indebt.substack.com/p/nano-banc-...

indebt.substack.com

Nano Banc Shows What Happens If Opponents Of Bank Supervision Win

This Week in Debt: September 28, 2026

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Reposted by Ben Kaufman

Jonathan Harris @jonathanfharris.bsky.social · 29/07/2026

Employers are now profiting not just from workers' labor but also their loan payments & data. New paper with @kennybauf.bsky.social on the "Triple Extraction Model" and why consumer law belongs in the workplace. Forthcoming in @uclalawreview.bsky.social: ssrn.com/abstract=718...

ssrn.com

Consumer Law Meets the New Company Store

Firms have discovered new ways to extract value from workers beyond traditional labor exploitation. In labor markets increasingly characterized by monopso

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Ben Kaufman @kennybauf.bsky.social · 22/06/2026

A Colorado case shows how America's trial courts are slanted against working people, hand-holding creditors while consumers enjoy the law's protection only after massive intervention. That that & more in This Week in Debt from @protectborrowers.bsky.social! indebt.substack.com/p/this-color...

indebt.substack.com

This Colorado Case Exposes How Trial Courts are Rigged Against Consumers

This Week in Debt: June 22, 2026

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Ben Kaufman @kennybauf.bsky.social · 11/05/2026

A fight about stablecoins has pitted banks against crypto, and the results are hugely entertaining. That and so much more in This Week in Debt from @borrowerjustice.bsky.social indebt.substack.com/p/i-am-in-lo...

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Ben Kaufman @kennybauf.bsky.social · 04/05/2026

A new report on so-called "coverage attorneys" highlights yet another tool debt collectors use to turn courts into a debt mill, all while working people's rights become suggestions. That and more in This Week in Debt from @borrowerjustice.bsky.social!

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Ben Kaufman @kennybauf.bsky.social · 20/04/2026

It is earnings/proxy season, and the verdict is in: everyone in the consumer debt industry is making a killing, and you are not. That, preemption, private credit, student loans, insurance, BNPL, & more in This Week in Debt from @borrowerjustice.bsky.social! indebt.substack.com/p/this-week-...

indebt.substack.com

This Week In Debt: 4/20/2026

Everyone but you is making a killing on debt. Also: preemption, private credit, student loans, insurance, BNPL, & more!

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Reposted by Ben Kaufman

LPE Blog @lpeblog.bsky.social · 17/04/2026

The week in review: @kennybauf.bsky.social discusses our broken banking bargain, and Vincent Joralemon reflects on the neglected class dimension of addictive platform design. Plus, a call for scholarship, upcoming events, and hot new LPE pieces from around the web! 🧵

lpeproject.org

Weekly Roundup: April 17

Ben Kaufman discusses our broken banking bargain, and Vincent Joralemon reflects on the neglected class dimension of addictive platform design. Plus, a call for (your!) hot new LPE scholarship…

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Ben Kaufman @kennybauf.bsky.social · 16/04/2026

Great stuff from @millennialdebt.bsky.social cial today. BNPL borrowers need clear rights & tools to enforce them. In our populist moment, this shouldn't be controversial. indebt.substack.com/p/file-now-p...?

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Ben Kaufman @kennybauf.bsky.social · 15/04/2026

Just want to be clear, my point was not to say what fedsoc does is wrong. Idc about them. I just think it’s important for kids applying on-plan to have more of a sense of what it actually looks like, so they know they are totally normal if they have to apply very broadly and don’t get much back!

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Reposted by Ben Kaufman

LPE Blog @lpeblog.bsky.social · 13/04/2026

Today, @kennybauf.bsky.social explains how banks are failing to provide basic services, instead pushing predatory credit products that gouge people at every turn. It’s time to ask whether public support for banks should come with real obligations to serve the public.

lpeproject.org

Banks Have Abandoned Their Public Purpose

At the core of the U.S. banking system is the public's choice to delegate money-creation privileges to private actors. But what is the public getting in exchange? An ever-swelling suite of predatory…

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Ben Kaufman @kennybauf.bsky.social · 23/03/2026

Private credit really may be about to start a student loan apocalypse. indebt.substack.com/p/this-week-.... That & more in This Week in Debt from Protect Borrowers! Featuring: @carterd.bsky.social @borrowerjustice.bsky.social + @tcfdotorg.bsky.social & more!

indebt.substack.com

This Week In Debt: 3/23/2026

Private credit student loan apocalypse? Also: zombie mortgages, credit cards, and more!

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Ben Kaufman @kennybauf.bsky.social · 20/03/2026

ladies and gentlemen, the United States department of education

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Ben Kaufman @kennybauf.bsky.social · 16/03/2026

Rising "merchant cash advance" (i.e., business payday) loans shows small biz needs protection too. That & more in This Week in Debt from @borrowerjustice.bsky.social indebt.substack.com/p/this-week-... Feat: @bradlipton.bsky.social @caseyquinlan.bsky.social @joeljacobs.bsky.social & more!

indebt.substack.com

This Week in Debt 3/16/26

Examining "industry," MCAs, the credit report crisis, ISAs, BNPL, and more!

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Ben Kaufman @kennybauf.bsky.social · 09/03/2026

The ongoing train wreck at Bilt illustrates what the dismantling of the CFPB looks like for actual people. That and more in This Week in Debt from @borrowerjustice.bsky.social! indebt.substack.com/p/this-week-...

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Ben Kaufman @kennybauf.bsky.social · 02/03/2026

YouTube celebrity Mr. Beast owns a fintech app targeting kids with EWA loans, risky stock trading, and other goodies. That and more in This Week In Debt from @borrowerjustice.bsky.social! indebt.substack.com/p/this-week-...

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Ben Kaufman @kennybauf.bsky.social · 23/02/2026

Industry is advocating against states protecting consumers. But industry advocates are . . . bad at advocacy. indebt.substack.com/p/this-week-... That & more in This Week In Debt from @borrowerjustice.bsky.social!

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Ben Kaufman @kennybauf.bsky.social · 16/02/2026

A monopolistic private equity company has caused a crisis of typefaces at the CFPB. Here's the story: indebt.substack.com/p/this-week-...? That and much more in this week's edition of This Week In Debt from @borrowerjustice.bsky.social!

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Ben Kaufman @kennybauf.bsky.social · 09/02/2026

What at time to be a loan shark. For @borrowerjustice.bsky.social, I discuss how business is booming at Dave, how the CFPB just got even worse for consumers, & more! indebt.substack.com/p/this-week-... Featuring: @alanasemuels.bsky.social @carterd.bsky.social And more!

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Reposted by Ben Kaufman

CFPB Union @nteu335.bsky.social · 30/09/2025

The DOGE vibe coders can’t even scale a clock to a screen www.whitehouse.gov/government-s...

The WHITE HOUSE website reads
Democrat Shutdown is Imminent
With a clock displaying 05:32:29 but the numbers look fuzzy because they are improperly scaled

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Ben Kaufman @kennybauf.bsky.social · 05/12/2024

2U is walking away from its bootcamps, which its own data showed had no effect on students' careers. Of course, those students will not be able to walk away from the massive loans they took on to attend 2U's bootcamps.

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