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Copiafy News

Copiafy News

Financial wellness reporting with the discipline of a markets desk and the practical edge of a consumer finance guide.

Financial wellness reporting with the discipline of a markets desk and the practical edge of a consumer finance guide.

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Credit

Home Equity Agreements Face New Scrutiny Over Long-Term Costs

Home Equity Agreements Face New Scrutiny Over Long-Term Costs

A new Massachusetts class-action lawsuit alleges that Unison home equity agreements marketed with no interest or monthly payments created unexpectedly large settlement obligations. Here's how home equity agreements work, the risks consumers should understand, and what to compare before using home equity for cash.

Financial Wellness

ACA Health Insurance Costs Rise as Millions Leave Marketplace Coverage

ACA Health Insurance Costs Rise as Millions Leave Marketplace Coverage

ACA Marketplace enrollment has fallen to about 19.2 million people as average premium payments rise 58% and deductibles climb 37%. Here's how higher health insurance costs are affecting household budgets and coverage decisions.

Financial Wellness

Childcare Costs Are Reshaping How Working Families Make Financial Decisions

Childcare Costs Are Reshaping How Working Families Make Financial Decisions

The national average annual price of childcare reached $13,184 in 2025, while care for two children costs more than median rent in every state with available data. Here's how childcare expenses are affecting work, savings, debt and other financial decisions for families.

Markets

July Job Losses Hit Retail, Hospitality, Finance and Local Government

July Job Losses Hit Retail, Hospitality, Finance and Local Government

July job losses were concentrated in local government education, leisure and hospitality, retail, and financial services. At the same time, high housing costs are becoming a recruiting problem for employers, leading some school districts to develop affordable housing for teachers.

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Credit • Policy • Markets • Wellness

Personal Finance

Roth Conversions Can Trigger More Taxes Than Retirees Expect

Roth Conversions Can Trigger More Taxes Than Retirees Expect

Roth conversions can affect more than today's income-tax bill. Additional IRA withdrawals used to pay conversion taxes can increase taxable Social Security income and potentially trigger higher Medicare IRMAA premiums two years later.

Lamar Laing

Credit

Home Equity Agreements Face New Scrutiny Over Long-Term Costs

Home Equity Agreements Face New Scrutiny Over Long-Term Costs

A new Massachusetts class-action lawsuit alleges that Unison home equity agreements marketed with no interest or monthly payments created unexpectedly large settlement obligations. Here's how home equity agreements work, the risks consumers should understand, and what to compare before using home equity for cash.

Lamar Laing

Financial Wellness

ACA Health Insurance Costs Rise as Millions Leave Marketplace Coverage

ACA Health Insurance Costs Rise as Millions Leave Marketplace Coverage

ACA Marketplace enrollment has fallen to about 19.2 million people as average premium payments rise 58% and deductibles climb 37%. Here's how higher health insurance costs are affecting household budgets and coverage decisions.

Lamar Laing

Financial Wellness

Childcare Costs Are Reshaping How Working Families Make Financial Decisions

Childcare Costs Are Reshaping How Working Families Make Financial Decisions

The national average annual price of childcare reached $13,184 in 2025, while care for two children costs more than median rent in every state with available data. Here's how childcare expenses are affecting work, savings, debt and other financial decisions for families.

Lamar Laing

Markets

July Job Losses Hit Retail, Hospitality, Finance and Local Government

July Job Losses Hit Retail, Hospitality, Finance and Local Government

July job losses were concentrated in local government education, leisure and hospitality, retail, and financial services. At the same time, high housing costs are becoming a recruiting problem for employers, leading some school districts to develop affordable housing for teachers.

Lamar Laing

Markets

$875 Billion in Commercial Real Estate Loans Face a 2026 Refinancing Test

$875 Billion in Commercial Real Estate Loans Face a 2026 Refinancing Test

About $875 billion in commercial and multifamily mortgages are scheduled to mature in 2026. Higher borrowing costs could make refinancing difficult for some property owners, with potential consequences for banks, investors, local economies and credit markets.

Lamar Laing

Follow the signals shaping financial wellness.

Follow the signals shaping financial wellness.

Follow the signals shaping financial wellness.

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Disclaimer: The content on this site is for informational purposes only and does not constitute legal or financial advice. Copiafy is not a law firm, credit counseling agency, or licensed financial advisor. Information provided is general in nature and may not apply to your individual circumstances. For advice specific to your situation, consult a qualified attorney or financial professional. Results from credit disputes vary and cannot be guaranteed.

Sign up for Copiafy newsletter.

Get free articles and downloads.

Disclaimer: The content on this site is for informational purposes only and does not constitute legal or financial advice. Copiafy is not a law firm, credit counseling agency, or licensed financial advisor. Information provided is general in nature and may not apply to your individual circumstances. For advice specific to your situation, consult a qualified attorney or financial professional. Results from credit disputes vary and cannot be guaranteed.

Smarter financial management made simple.

Sign up for Copiafy newsletter.

Get free articles and downloads.

Disclaimer: The content on this site is for informational purposes only and does not constitute legal or financial advice. Copiafy is not a law firm, credit counseling agency, or licensed financial advisor. Information provided is general in nature and may not apply to your individual circumstances. For advice specific to your situation, consult a qualified attorney or financial professional. Results from credit disputes vary and cannot be guaranteed.

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