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Internal review describes how applicants cited electric bills during summer cooling periods while identifying data gaps and unsupported claims

BOULDER, Colorado — September 23, 2026 — 1F Cash Advance today published the scope and limitations of an internal review of Florida applications in which electric bills were identified as a reason for seeking financing.

Scope and methodology

The company examined its own application records and categorized applicants’ stated reasons for seeking funds. The review was observational, was not independently audited and cannot establish that utility costs caused any application. No applicant-level information is being released.

The findings should not be treated as representative of Florida households or borrowers generally because the records cover only people who applied through 1F Cash Advance. The company has not published the review period, application totals, comparison-period figures or statistical testing. As a result, the review does not support a statewide estimate or growth rate.

“Company application records cannot substitute for statewide household or utility data,” said Latoria Williams, founder and CEO of 1F Cash Advance. “We are publishing these limitations so readers can distinguish what the records show from what they cannot establish.”

No independent third-party statement is included because the company did not obtain one for publication.

Claims excluded from the findings

Earlier company materials cited several claims without sufficient source documentation. Those claims are reproduced below solely to identify what the review does not verify:

• “nearly one in five now shut off their air conditioning overnight”
• “close to $21 billion added to Florida electric bills over the next ten years”
• “Tampa Electric bills have climbed 86% since December 2020”

The third statement appears to contain an incomplete reference to Tampa Electric. The company is not correcting or endorsing that quotation because it lacks the underlying source analysis.

The survey publisher, sample size, field dates, questionnaire and methodology were not supplied for the first claim. The model, assumptions and source methodology were not supplied for the second. No primary rate analysis or direct source was supplied for the third. Accordingly, none of these statements is presented as a verified finding.

A separate statistic concerning payday loans was previously attributed per the Center for Responsible Lending, but the specific publication and page were not identified. It has therefore been omitted from the findings pending source verification.

Consumer-assistance context

Some applicants reported adjusting thermostats, limiting cooling to occupied rooms, sealing air leaks, contacting utilities about payment arrangements or checking eligibility for LIHEAP or county assistance. These are self-reported actions, not independently confirmed outcomes.

Consumers facing a utility-payment deadline may wish to contact their utility and local assistance agencies. Financing may add fees and repayment obligations to an existing budget shortfall.

Earlier references to same-day funding, payday loans and an installment loan described financing categories or processing practices. They are not findings of this analysis, guarantees or recommendations. Product amounts, pricing, fees and processing cutoffs are excluded from this release.

Future reporting standards

1F Cash Advance plans to strengthen future reporting by providing:

• The period covered and anonymized aggregate totals
• Clear category definitions and coding procedures
• Comparison methods and appropriate statistical context
• Direct links to primary sources for external claims
• Survey sponsors, sample sizes, field dates and questionnaires
• Assumptions and methodology for projections
• Independent review or third-party context when available

Until those elements are available, the company will not use this application review to make broader claims about Florida households, utility rates or statewide financial conditions.

About 1F Cash Advance

1F Cash Advance is a financial services company founded in Boulder, Colorado, in 2019. It provides online, telephone and in-person application options. Eligibility and financing decisions depend on income, repayment capacity, lender requirements and applicable disclosures.

Media Contact

Latoria Williams, founder and CEO
1F Cash Advance
info@1firstcashadvance.org
https://1firstcashadvance.org/

Texas employment grew at a 2.4% annualized rate in the second quarter of 2026, according to the Federal Reserve Bank of Dallas; new standards separate public statistics from limited company observations.

BOULDER, Colorado — September 23, 2026 — Texas employment growth accelerated from a 1.5% annualized rate in the first quarter of 2026 to 2.4% in the second quarter, according to the Federal Reserve Bank of Dallas, prompting 1F Cash Advance to adopt clearer sourcing and disclosure standards for its labor-market commentary.

Public Labor Indicators

Future reports will link directly to relevant publications from the Federal Reserve Bank of Dallas and other public agencies. Recent Dallas Fed reporting highlighted the following statewide indicators:

• Employment gains were concentrated in construction, leisure and hospitality, and staffing services.
• Staffing employment increased at a 22% annualized rate during the first half of 2026.
• Texas unemployment was 4.4% in June.
• The labor force contracted at a 0.7% annualized rate.
• Statewide wage growth increased from 3.5% in March to 4.0% in June, while manufacturing wages rose 4.8%.

These figures describe broad economic conditions. They do not establish how labor-market changes affected a specific household or influenced an individual financial decision.

The company will not repeat a previously cited claim formatted as “40, 000 jobs in January alone” unless it can link the figure to an original public release and explain its methodology and relevance to the reporting period. Official employment data and methodology are available from the Texas Workforce Commission and the U.S. Bureau of Labor Statistics.

Earlier company commentary also referred to GoodBiz without identifying a specific publication or program. Under the new standards, 1F Cash Advance will omit that reference unless it can provide a direct source and clearly distinguish local observations from statewide findings.

Reporting Standards

Under the new standards, 1F Cash Advance will:

• Attribute each public statistic to its original publisher.
• Link to publicly accessible source material.
• State the reporting period and geographic scope of each statistic.
• Label internal observations as unverified when underlying records, sample sizes and methods have not been published or independently reviewed.
• Avoid presenting internal observations as representative of Texas workers.
• Avoid implying that employment conditions caused an application or financing decision.
• Omit applicant counts and trend claims when supporting information cannot be disclosed.
• Keep public-resource information separate from company commentary.
• Correct or withdraw claims that cannot be traced to an original source.

1F Cash Advance has received applications from people who reported extended job searches, recent employment or multiple part-time roles. Because the company has not published the underlying records, sample size or methodology, those observations are not statistical evidence and should not be generalized to Texas households.

“Our reports will identify who published each statistic, what period it covers and whether it is statewide, regional or internal,” said Latoria Williams, founder and CEO of 1F Cash Advance. “If we cannot disclose enough information for readers to assess a company observation, we will not present it as a trend. We will also keep labor-market reporting separate from information about financing.”

Public Resources and Financial Risk

People facing an interruption in earnings may review unemployment insurance and workforce services through the Texas Workforce Commission. They may also consider creditor payment arrangements, credit-union programs, temporary employment options and family assistance before entering a high-cost financial agreement.

1F Cash Advance will not characterize same-day funding or access through Texas locations as guaranteed. Timing, eligibility and availability depend on provider requirements and processing.

Payday and installment financing can involve high fees, short repayment periods and repeated-payment risks. It may increase financial strain if repayment requires renewed financing or leaves insufficient funds for essential expenses. Consumers should examine the total repayment amount, annual percentage rate, fees, due dates, authorization terms and available alternatives before proceeding. Submission of an application does not guarantee approval, a particular amount or any funding timeline.

About 1F Cash Advance

1F Cash Advance has connected applicants with payday and installment lending providers since 2019. The company operates online, by phone and in person.

Media Contact

Latoria Williams, founder and CEO
1F Cash Advance
info@1firstcashadvance.org
https://1firstcashadvance.org/

Housing, utilities, groceries and healthcare costs continue to outpace typical national expenses

BOULDER, United States — September 23, 2026 — 1F Cash Advance reports that New York City households face the highest living costs among major U.S. cities, creating a widening gap between monthly income and essential expenses. The findings draw on a new report examining housing costs, consumer prices, online search activity and household spending across several metropolitan areas.

New York City’s Consumer Price Index increased 3.4% over the preceding year. The report estimates that the average city resident takes home $5,250 per month, while a one-bedroom apartment near the city center costs approximately $4,564 per month. Basic monthly expenses add an estimated $1,646 before housing costs are included.

Online search activity reflects continued attention to affordability. New Yorkers searched for the term “cost of living” more than 26,100 times per month, the highest volume among cities included in the report. San Diego, San Francisco, Los Angeles and Seattle completed the five cities with the highest search volumes.

A single person in New York City spends an estimated $1,659.50 per month before rent, while estimated monthly expenses for a family of four exceed $6,121, according to cost-of-living data from Numbeo PayScale found. PayScale found that New York’s overall cost of living stands 139% above the national average, with housing expenses reported at 411% above typical U.S. costs.

Other household expenses also exceed national benchmarks. Utilities are reported at 17% above the national average, groceries at 16% above and healthcare at 43% above. These combined expenses place additional pressure on residents managing rent, transportation, food and recurring bills within monthly household budgets.

“The figures show that New York City households are managing essential expenses that consume a substantial share of monthly income, while state lending rules limit the range of short-term options available to residents,” said Latoria Williams, founder and CEO of 1F Cash Advance.

The company has recorded an increase during 2026 in applications from New York residents citing rent and grocery expenses as reasons for borrowing. These requests have included applicants with steady employment, indicating that recurring household costs can create short-term funding gaps even when regular income remains in place.

New York maintains restrictive limits on small-dollar lending compared with many other states. As a result, residents may have access to fewer short-term borrowing products. Available alternatives can include small loans from credit unions, earned-wage access through payroll services or cash advance applications, employer-provided wage advances and personal loans for applicants who meet applicable lending requirements.

The availability and structure of these products vary considerably from state to state because lenders and service providers operate under individual state laws. 1F Cash Advance breaks down these options by state to account for differences in permitted products, borrowing limits, eligibility requirements and repayment structures. The company’s review identifies New York as a market where high recurring expenses coincide with a narrower range of small-dollar credit options.

The findings also document the adjustments households make before seeking credit, including sharing housing costs, using public transportation, preparing more meals at home, taking on additional work and selling unused household items. Some residents also arrange payment schedules with landlords or utility providers to manage the timing of recurring expenses.

About 1F Cash Advance

1F Cash Advance began operating in Boulder, Colorado, in 2019 and serves borrowers across more than 30 states through online applications and physical locations. Its loan products and services vary by state and are structured under applicable lending laws. Eligibility generally considers income and ability to repay alongside other underwriting requirements.

Media Details

Contact Person: Latoria Williams, founder and CEO
Company Name: 1F Cash Advance
Email: info@1firstcashadvance.org
Website: https://1firstcashadvance.org/

Internal review documents company-level patterns in Florida while defining the limits of the findings

MIAMI, Florida — September 23, 2026 — 1F Cash Advance today reported that an internal review found an increase in applications received from Florida. The review covers only applications submitted to the company and does not measure statewide activity, identify applicants’ motivations, or establish why volume changed.

Scope of the Review

The review:

• Examined internal Florida application activity.
• Included no data from other providers.
• Did not identify why individual applications were submitted.
• Did not use external economic indicators to predict application outcomes.
• Was not designed to represent statewide patterns.

“These findings describe activity within our own organization and should not be interpreted as a statewide measure,” said Latoria Williams, founder and CEO of 1F Cash Advance. “We are reporting the pattern with clear limits on what the internal data can show.”

The company is not publishing a percentage or application total because no verified figure was provided for this announcement. Its statement is limited to the direction of the change identified through the internal review.

External Context

A recent report identified housing and other recurring household expenses as areas of concern in Florida. Nationwide inflation eased slightly in July, according to publicly reported indicators, while mortgage rates reached a 13-month high in early August.

These external observations are included solely as general context. They were not part of the company’s review, were not used to determine the reported pattern, and should not be interpreted as explaining or validating the internal findings.

Hector Sandoval, director of the Economic Analysis Program at the University of Florida’s Bureau of Economic and Business Research, has examined consumer sentiment and household economic conditions in the state. He was not interviewed for this announcement, and 1F Cash Advance does not attribute its findings to him.

South Florida’s housing market is shifting too, but the company did not examine regional housing performance or connect market conditions to individual applications.

1F Cash Advance did not commission the external information referenced in this announcement. The company has omitted third-party statistics for which source details or usage rights were not confirmed.

The company provides payday loan and installment-loan services where permitted. This announcement does not state rates, terms, approval timelines, or application instructions. Consumers considering payday loans should review applicable costs, repayment obligations, and state requirements. Information about the Miami store can be obtained directly from the company.

About 1F Cash Advance

1F Cash Advance was founded in Boulder, Colorado, in 2019 and operates in more than 30 states. The company provides access to lending options through online, telephone, and store-based channels, subject to applicable state requirements.

Media Contact

Latoria Williams, founder and CEO
1F Cash Advance
info@1firstcashadvance.org
https://1firstcashadvance.org/

Updated framework helps customers match existing connection types to location, rotation, IP persistence and workload-duration requirements

NEW YORK, New York — September 23, 2026 — Floppydata today introduced a workflow-based framework for its residential and static datacenter proxy services, giving customers a clearer way to configure authorized workloads according to geographic representation, address rotation, IP persistence and operating duration.

Effective September 22, the framework replaces broad service descriptions with three configuration paths: residential, static datacenter and combined. The update responds to customer demand for a selection process based on technical requirements and destination-system access rules. It changes how existing services are organized and selected but does not introduce new proxy connection types.

Three Configuration Paths

• Residential connections: A Floppydata residential proxy uses an IP address associated with an internet service provider and residential connection. Customers can configure these connections for workflows requiring geographic representation, connection-type alignment or address rotation.
• Static datacenter connections: Dedicated IP addresses hosted on server infrastructure remain consistent across sessions. These configurations support scheduled jobs, long-running processes, repeated authentication and IP allowlists.
• Combined configurations: Residential and static datacenter connections can be assigned to distinct authorized tasks within the same operation, enabling teams to match each workload with an appropriate connection profile.

“Customers previously had to translate broad service descriptions into their own technical requirements,” said Eugene Smith, CEO of Floppydata. “The new structure makes location requirements, address persistence and workload duration the starting points for configuration.”

Why the Framework Was Updated

Proxy workflows increasingly involve multiple technical and policy considerations, including regional access needs, session continuity, bandwidth planning and destination-system requirements. The revised structure is intended to reduce ambiguity during service selection by linking each configuration path to those operational criteria.

For example, a short task requiring address rotation may call for a different setup than a scheduled process tied to an IP allowlist. An organization conducting separate authorized tasks can also use a combined configuration rather than applying one connection type across its entire operation.

The framework presents five criteria for evaluating a configuration:

• Geographic availability and representation
• Address-rotation requirements
• IP persistence across sessions
• Expected workload duration and bandwidth needs
• Destination-system access rules

Residential connections address workflows in which IP origin or connection type is relevant. The static datacenter service from Floppydata supports processes that depend on a consistent connection point. Combined configurations allow both connection types to be managed according to separate task requirements.

Authorized Workflows and Service Information

Intended uses include authorized web research, SEO monitoring, advertising verification, automation, location-specific testing and collection of publicly available data. Customers remain responsible for complying with applicable laws, contractual obligations and destination-system policies.

Service specifications, geographic availability and current configuration information are published at Floppydata.com.

About Floppydata

Floppydata provides residential, mobile and datacenter proxy services for businesses and individual users. Its services support web data collection, market research, SEO monitoring, advertising verification, automation and location-specific testing. The company also provides web scraping and web unlocker services for data-oriented workflows.

Media Contact

Eugene Smith
CEO, Floppydata
info@floppydata.com
https://floppydata.com/

The service combines remote Chromium sessions with proxy routing across more than 190 locations

NEW YORK, United States — September 23, 2026 — Floppydata today announced the launch of a managed cloud browser service that enables businesses and developers to run remote Chromium sessions for browser automation, website testing, monitoring and web-data workflows without maintaining browser infrastructure on local application servers.

The managed Cloud chrome browser moves browser execution to remotely hosted infrastructure while allowing applications to control navigation, page reading, clicks, form input and JavaScript interactions. Sessions connect through the Chrome DevTools Protocol, supporting established automation logic and development workflows without requiring organizations to operate each browser process on their own servers.

The service is designed for projects that require complete browser execution rather than basic HTTP requests. Websites that rely on JavaScript, interactive elements, authentication flows or dynamically generated content can respond differently when accessed through a browser. Remote sessions provide an environment for handling those elements while shifting the related CPU and memory demands away from application infrastructure.

Floppydata has integrated the browser service with its proxy network, enabling remote sessions to use geographic routing and different connection types. The combined infrastructure is intended for legitimate applications including market research, publicly available price monitoring, advertising verification, regional website testing, recurring data collection and browser-based automation.

“Remote browser execution and proxy routing address separate technical requirements within the same automation workflow,” said Eugene Smith, CEO of Floppydata. “The service places both functions within one managed environment, allowing teams to operate browser sessions while selecting network routes suited to each project.”

The Floppydata premium proxy infrastructure includes residential, mobile, datacenter and static proxy options. Floppydata describes its network as covering more than 190 locations, with country, city, autonomous system number and IP-type targeting available for supported workflows. These controls allow organizations to select connections based on geographic requirements, session consistency and the technical characteristics of individual projects.

Rotating connections can support data workloads involving repeated requests, while static connections can maintain a consistent network address when required. Datacenter routing can serve tasks focused on speed and volume, while residential or mobile connections provide alternative network origins for workflows with different routing requirements.

Combining these connection options with remotely operated browser sessions supports projects that vary across websites and markets. A price-monitoring workflow, for example, may use direct requests for some public pages while requiring browser rendering for pages containing interactive or dynamic elements. Regional testing can similarly pair browser execution with geographically selected network routes to assess how public website content and functionality appear in different locations.

The managed architecture also addresses the operational demands created by concurrent browser sessions. Running multiple browser processes internally can require additional servers, containers, monitoring systems, memory and maintenance. Floppydata’s service allows applications to initiate remote sessions when needed, reducing the need to provision local infrastructure around periods of higher browser activity.

Organizations remain responsible for defining appropriate connection types, session volumes and geographic requirements for each workload. Floppydata states that the infrastructure is intended for lawful operations conducted in accordance with applicable requirements and website terms.

About Floppydata

Floppydata provides proxy infrastructure and managed browser services for web-data, testing, monitoring and automation workflows. Its services include residential, mobile, datacenter and static proxy connections with geographic and session controls. The company’s cloud browser infrastructure supports remotely executed Chromium sessions integrated with its proxy network.

Media Details

Contact Person: Eugene Smith, CEO
Company Name: Floppydata
Email: info@floppydata.com
Website: https://floppydata.com/

Website restructuring establishes one catalogue framework across footwear, apparel and accessories

WILMINGTON, Delaware — September 22, 2026 — HARD’N’HEAVY today launched a unified online catalogue at hardnheavy.style, replacing separate browsing paths for its men’s and women’s departments with a consistent structure across product categories and information fields.

The updated framework brings the men’s collection at HARD’N’HEAVY and the women’s collection into one catalogue system. Visitors can now navigate both departments through standardized categories for footwear, apparel and accessories.

Consistent Product Information Across Departments

The restructuring applies a common organizational framework to the retailer’s gothic, punk, metal, grunge and rock-influenced catalogue, including HARD’N’HEAVY designs and items from other labels.

Across both departments, the framework standardizes access to:

• Product categories and subcategories
• Product specifications
• Materials and construction information
• Sizing details
• Item availability

The project changes how existing catalogue information is classified and presented. Department and category pages now follow the same hierarchy, while individual product pages continue to provide item-specific construction, sizing and availability details.

“A shared catalogue structure makes it easier for visitors to compare product information and move between departments without learning two different navigation systems,” a HARD’N’HEAVY spokesperson said. “This update gives footwear, apparel and accessories a consistent information framework while preserving the details provided for each item.”

The unified structure covers the full online catalogue available at launch. Current listings, product details and availability are published at hardnheavy.style.

About HARD’N’HEAVY

HARD’N’HEAVY is an alternative-fashion retailer offering clothing, footwear and accessories for gothic, punk, metal and related styles. Its catalogue includes men’s and women’s apparel, footwear and the company’s own HARD’N’HEAVY designs.

Media Contact

Media Relations
HARD’N’HEAVY
info@hardnheavy.style
https://hardnheavy.style/

The September 22 release consolidates two existing connection categories for workflow-based deployment.

NEW YORK, New York — September 22, 2026 — Floppydata today released a unified account interface for its existing datacenter and residential proxy networks, enabling customers to configure both connection categories without maintaining separate accounts.

The release changes account administration rather than introducing new network categories. Customers can now assign datacenter proxies and residential IPs to separate projects or different stages of a workflow through one account.

What Changed

As of September 22, the unified account provides:

• Access to both connection categories under one account
• Separate configuration of each category by project or workflow stage
• Selection based on request volume, geographic requirements and traffic origin
• Integration with browsers, automation tools and data-collection systems

The service supports workflows involving publicly available information, including web data collection, search and market monitoring, advertising verification, regional website testing and automated research.

Datacenter connections can be assigned to recurring or high-volume requests. Residential connections use addresses assigned by internet service providers and can be selected when a workflow requires a particular geographic origin or local browsing context.

“This release is an account-management change that brings two existing services into one interface,” said Eugene Smith, CEO of Floppydata. “Customers can configure each connection category separately while managing both within the same account.”

Floppydata states that customers are responsible for using the service in accordance with applicable laws, website terms and reasonable request limits.

About Floppydata

Floppydata provides datacenter and residential proxy infrastructure for web data collection, market and search monitoring, advertising verification, geographic testing and automated research involving publicly available information. Learn more at floppydata.com.

Media Contact

Eugene Smith, CEO
Floppydata
info@floppydata.com
https://floppydata.com/

Company brings residential, mobile, datacenter, static ISP and IPv6 configurations into one framework for authorized data collection, location-based research and digital quality assurance

NEW YORK, New York — September 22, 2026 — NovaProxy LLC today launched a consolidated proxy infrastructure portfolio designed to help organizations select configurations according to geographic scope, session duration, traffic volume and connection concurrency.

The launch brings the company’s existing residential, mobile, datacenter, static ISP and IPv6 configurations into a unified service framework. It also establishes bandwidth-based, daily and monthly service structures and documents routing options at the country, state and city levels.

Portfolio Framework

The consolidated portfolio comprises:

• Residential connections for location-dependent public web research
• Mobile connections routed through cellular carrier networks
• Datacenter connections for automated testing and related technical workflows
• Static ISP addresses for projects requiring persistent sessions
• IPv6 address pools for compatible systems

Arizona is among the locations included in the routing framework. Availability depends on the selected connection type and project requirements. Organizations may use these configurations to review publicly displayed information from specified geographic perspectives, subject to applicable laws, website terms and access policies.

“We consolidated five infrastructure categories so technical teams can evaluate routing precision, session persistence, traffic volume and concurrency within a single framework,” a NovaProxy company spokesperson said. “The launch does not change customers’ responsibility to confirm permissions and establish appropriate data-handling and request-rate controls before deployment.”

Evaluation and Responsible Use

NovaProxy did not provide third-party performance benchmarks, customer case studies or Arizona-specific adoption figures with the launch. Organizations evaluating the portfolio should review current technical documentation, routing availability, concurrency policies and service terms against their own project criteria.

Customers are responsible for determining whether intended activities comply with applicable laws, contractual requirements, privacy obligations, intellectual property restrictions and website policies. NovaProxy advises organizations to limit collection to necessary public information, manage request rates and seek qualified legal guidance when appropriate.

Technical specifications and current terms are available through the NovaProxy website.

About NovaProxy LLC

NovaProxy LLC provides proxy infrastructure for organizations, developers and data-focused teams. Its portfolio includes residential, mobile, datacenter, static ISP and IPv6 configurations for authorized public web data collection, automation, testing and location-specific research.

Media Contact

Media Relations
NovaProxy LLC
contact@novaproxy.io
https://www.novaproxy.io/