Category: Business

MIL-OSI Russia: Belarus’ gold and foreign exchange reserves amounted to about $10.9 billion in May 2025 — National Bank

Translation. Region: Russian Federal

Source: People’s Republic of China in Russian – People’s Republic of China in Russian –

Source: People’s Republic of China – State Council News

MINSK, May 8 /Xinhua/ — Belarus’ gold and foreign exchange reserves as of May 1 this year, according to preliminary data, amounted to about 10.9 billion US dollars in equivalent, the country’s National Bank reported.

In April 2025, gold and foreign exchange reserves increased by USD 872.8 million (8.7%) after growing in March by USD 662.3 million or 7.04%.

The largest share in the structure of Belarus’s international reserves is made up of foreign currency assets and monetary gold. According to the National Bank, the volume of foreign currency in reserves as of May 1 of this year amounted to about USD 3.82 billion, having increased by USD 513.1 million (15.5 percent) in April. The volume of monetary gold is about USD 5.71 billion, having increased by USD 326.3 million or 6 percent.

According to the monetary policy targets, the volume of Belarus’ international reserve assets by the end of 2025 should be at least USD 7.1 billion. –0–

MIL OSI Russia News –

May 8, 2025
MIL-OSI Video: Secretary Kennedy Visits Treatment Center In Nashville, TN

Source: United States of America – Federal Government Departments (video statements)

“Addiction isn’t just a personal crisis—it’s a public health crisis. At Tree House Recovery in Nashville, I saw firsthand a holistic approach that seeks to heal people physically, mentally, and spiritually, empowering them to build lives of purpose and strength. The future of recovery is real community, real connection, real hope.” – Secretary Kennedy

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U.S. Department of Health and Human Services (HHS) | http://www.hhs.gov

http://www.Twitter.com/HHSGov | http://www.Facebook.com/HHS http://www.Instagram.com/HHSGov
http://www.LinkedIn.com/company/us-department-of-health-and-human-services

HHS Privacy Policy: http://www.hhs.gov/Privacy.html

https://www.youtube.com/watch?v=omhMGwASPR4

MIL OSI Video –

May 8, 2025
MIL-OSI Video: Secretary Kennedy Visits Senator Tim Scott in Charleston, SC

Source: United States of America – Federal Government Departments (video statements)

“In Charleston, I joined Senator Tim Scott and Jennelle Stephenson to announce a historic step forward in the fight against sickle cell disease. Thanks to a first-of-its-kind partnership between HHS, drugmakers, insurers, providers, and patient advocates, we’re making life-changing gene therapy available to Americans on Medicaid — at low cost, and with the potential to cure. Already, 35 states have opted into this initiative. Our goal: all 50 by the end of the year. Jennelle’s story is proof — this isn’t just about saving money. It’s about saving lives, restoring hope, and letting our children dream again” – Secretary Kennedy

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U.S. Department of Health and Human Services (HHS) | http://www.hhs.gov

http://www.Twitter.com/HHSGov | http://www.Facebook.com/HHS http://www.Instagram.com/HHSGov
http://www.LinkedIn.com/company/us-department-of-health-and-human-services

HHS Privacy Policy: http://www.hhs.gov/Privacy.html

https://www.youtube.com/watch?v=tAYsmrnp9k0

MIL OSI Video –

May 8, 2025
MIL-OSI Europe: Press release – Discharge: MEPs sign off EU budget for 2023 while highlighting persistent issues

Source: European Parliament

In a series of votes on Wednesday, MEPs granted discharge to all but two EU bodies, approving the way they managed the EU budget in 2023.

Plenary endorsed the budgetary management by the European Commission, responsible for more than 95% of EU expenditure, but warned that structural issues were undermining EU financial credibility and policy delivery. The decision was taken by 412 votes to 245 with 5 abstentions.

High error rate demands corrective action

In the resolution accompanying the discharge decision for the Commission (adopted by 443 votes to 202 and 21 abstentions), MEPs said they were seriously concerned about the 5.6% error rate in EU spending, which has risen for the third year in a row. They call on the Commission to present a clear action plan within four months to reduce errors. MEPs also demand stricter fraud detection and audit mechanisms, clearer definitions of milestones and targets, and the prevention of double funding and use of pre-existing projects for the Recovery and Resilience Facility (RRF).

Outstanding commitments and mounting debt

Unpaid commitments rose to a record €543 billion in 2023, more than double the EU’s annual budget. This backlog risks delayed implementation, warn MEPs, who demand more realistic budget forecasting.

By the end of 2023, EU borrowing stood at €458.5 billion, with further increases expected. Rising interest rates and the absence of a repayment plan, MEPs say, could compromise fiscal stability and limit future EU action.

NGO transparency and conditionality

Parliament demands full financial transparency for NGOs and other interest representatives, and for the Commission to share the results of an internal screening of contracts with the Parliament. All entities must be registered in the EU Transparency Register and disclose their main funders. Alignment with EU values, and traceability of funds should be a prerequisite for access to institutions and funding.

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Rapporteur for the Commission discharge Niclas Herbst (EPP, DE) said: “Billions of euros have been transferred to member states under the RRF, but Parliament and the European Court of Auditors are not sufficiently involved in their control. For example, we have asked in vain for a meaningful list of final beneficiaries. The RRF has been used to take on debt at the expense of future generations, to finance questionable national budget priorities, and repayment remains uncertain. Because of these weaknesses, the RRF must never be used as a model for future financial programmes or the EU’s next financial framework.”

Discharge postponed for the Council and Asylum Agency

MEPs postponed the Council’s discharge − as has been the case every year since 2009, due to a lack of cooperation with Parliament. They also postponed the discharge decision for the EU Asylum Agency, citing “very worrying conclusions” from an investigation by the European Anti-Fraud Office (OLAF), which they say put the Agency’s stability, governance, and reputation at risk. Postponed decisions are revisited later in the year, when discharge is either granted or ultimately denied.

Vote results of all the discharge decisions will be available here.

Background

Through the “discharge procedure”, the European Parliament exercises democratic oversight over the budget’s implementation, holding the Commission and other EU institutions accountable for the management and disbursement of EU funds.

Based on reports from the Commission and the European Court of Auditors (ECA), the Parliament’s Committee on Budgetary Control (CONT) reviews the financial management of the EU budget in a given financial year, considers irregularities and holds hearings with the relevant officials. Refusal of discharge can result in remedial action, stricter financial controls, or political consequences.

MIL OSI Europe News –

May 8, 2025
MIL-OSI: BadCreditLoans Reviewed: The Top Low Credit Lending Option for Payday Loans
Source: GlobeNewswire (MIL-OSI)

Tacoma, May 07, 2025 (GLOBE NEWSWIRE) —

In This Article, You’ll Discover:
- How BadCreditLoans.com connects borrowers with payday loans for bad credit using a secure online application system
- The most common financial pain points faced by low credit borrowers and why traditional lenders often deny them
- What makes BadCreditLoans a top-rated low credit lending option for emergency loans and same-day funding
- A detailed breakdown of how the platform works — from eligibility checks to AI-powered loan matching and lender approval
- Transparent insight into loan terms, interest rates (APR), repayment options, and application timelines
- Real customer experiences and reviews highlighting ease of use, trustworthiness, and lender access
- How Bad Credit Loans compares to other payday loan providers in the online lending space
- Common concerns such as loan security, legitimacy, and data protection — with risk mitigation advice
- Full pricing details, customer service contact information, and what to expect from the lending process in 2025
- Important disclaimers regarding loan variability, APR, and pricing changes, with reminders to consult the official website
TL;DR Summary:

BadCreditLoans.com has emerged as a leading online solution for consumers searching for payday loans for bad credit and emergency funding with low credit scores. This comprehensive review explores how the platform works, who qualifies, and why it’s one of the top low credit lending options in 2025. From loan matching powered by fintech to flexible repayment terms and secure applications, BadCreditLoans connects borrowers to an expansive network of lenders without requiring perfect credit.

Whether you’re looking for same-day funding, no credit check loans, or simply want to explore fast online payday loan options, this article outlines every key detail, including eligibility requirements, pricing, and borrower protections. Customer reviews and competitive comparisons are included to help you make an informed decision.

Disclaimer: Loan offers, terms, and interest rates may vary by lender. Always confirm final pricing and conditions on the official website, as they are subject to change without notice.

Introduction

Bad Credit Loans: A Trusted Lifeline for Low-Credit Borrowers

In today’s economic climate, more individuals than ever are struggling with limited credit access. Whether it’s due to past financial hardships, job loss, or emergency expenses, the reality is that a large segment of the population finds themselves turned away by traditional lenders. That’s where platforms like BadCreditLoans.com come in — a digital service built to help consumers with poor or no credit history connect with potential lenders for payday loans and other urgent cash needs.

This review is designed for those facing financial uncertainty and wondering:

Where can I turn when my credit score is low, and bills can’t wait?

Understanding the Financial Struggles of Bad Credit Borrowers

Why Borrowers with Bad Credit Face Unique Financial Barriers

For millions of Americans, financial emergencies don’t wait for a perfect credit score. A single late payment, job loss, medical bill, or sudden expense can significantly lower your credit score, placing you in a category traditional banks often avoid: subprime or low-credit borrowers.

Traditional lenders typically rely on strict credit scoring models that penalize individuals for missed payments, high credit utilization, or limited credit history. As a result, consumers in need of urgent financial relief, often searching for payday loans for bad credit or emergency loans with bad credit, are denied at the moment they need help most.

Common Pain Points for Low-Credit Borrowers

Low-credit borrowers frequently experience a frustrating loop:
- Loan denial from traditional banks or credit unions, even for small amounts under $1,000
- Predatory lenders charge extremely high APRs, trapping borrowers in cycles of debt
- Stigma around credit score requirements, which prevents access to fair options
- Limited access to short-term funding during medical, housing, or automotive emergencies
This creates a financial bottleneck, where options become increasingly scarce, even as the need grows more urgent.

Who’s Affected by These Barriers?

The challenge of accessing affordable lending doesn’t only impact those with mismanaged finances. Many borrowers seeking low credit score loans are:
- Gig workers or freelancers with inconsistent income
- Students or recent graduates with little to no credit history
- Individuals recovering from past financial hardships, such as divorce or bankruptcy
- Seniors on fixed incomes who’ve fallen behind on bills
- Households impacted by inflation or economic downturns
This diverse group — often labeled “credit invisibles”—may not have extensive borrowing histories, but they do have legitimate, time-sensitive financial needs.

When Traditional Credit Fails

When banks say “no,” borrowers are often left with two choices:
1. Delay essential expenses, risking utilities shut offs or eviction
2. Turn to risky payday lenders or unregulated financial services
This is where BadCreditLoans.com stands out. The platform acts as a secure bridge between borrowers and vetted lenders, offering a mobile-first lending experience designed to provide fast approvals, even for those with poor credit histories.

Disclaimer: Loan approval through BadCreditLoans is not guaranteed. Lending decisions are made solely by third-party lenders, and terms will vary. Always review individual lender terms before accepting an offer.

Why a Better Option Is Needed in 2025

With rising costs of living, stagnant wages, and increased reliance on alternative income sources, more consumers are seeking online payday loans and same-day funding options. Unfortunately, the market is also seeing a rise in fraudulent or misleading financial offers.

Borrowers today demand:
- Transparent terms with no hidden fees
- Access to no-credit-check loans or soft credit inquiries
- Fast decisions and responsive customer support
- Financial inclusion and flexible repayment plans
BadCreditLoans.com addresses these concerns by offering a fintech lending platform that uses AI-powered loan matching, giving low-credit borrowers a safer and smarter alternative.

Don’t wait! Apply now on BadCreditLoans.com and get matched with lenders offering up to $10,000—even with bad credit. Fast, secure, and 100% free!

Introducing BadCreditLoans.com: A Beacon for Low-Credit Borrowers

What Is BadCreditLoans.com?

BadCreditLoans.com is not a direct lender — it’s an online loan aggregator platform that connects individuals with low credit scores to a wide network of potential lenders. The company has operated since 1998 and has established itself as a trusted digital lending gateway for consumers searching for payday loans for bad credit, emergency loans, and no credit check loan options.

Rather than applying individually to multiple lenders — which can trigger repeated hard inquiries and further damage your credit — BadCreditLoans uses a single, secure online application to match you with lenders willing to work with borrowers in your credit range.

A Fintech-Driven Solution to Modern Lending Needs

The platform has adapted to meet the changing landscape of digital finance. Using AI-powered loan matching technology, BadCreditLoans analyzes borrower profiles in real time to pair users with lenders that align with their needs — offeringfast approval loans and same-day funding when available.

This mobile-first lending experience ensures borrowers can apply and receive results conveniently from their smartphone, tablet, or desktop — 24/7.

What Makes BadCreditLoans Different?

Here’s what separates BadCreditLoans from other platforms in the subprime lending space:
- Broad Network Access: The platform connects borrowers with dozens of reputable lenders, offering a variety of loan products, including personal loans, installment loans, and payday loans.
- Soft Credit Checks Only: Your credit score will not be affected by the initial application. Many lenders rely on alternative credit scoring or income verification rather than traditional FICO scores.
- No Fees to Use the Service: BadCreditLoans.com does not charge users for applying or for loan matching.
- Flexible Loan Options: Loan amounts typically range from $500 to $10,000, with repayment terms from 3 to 60 months, depending on the lender.
Disclaimer: BadCreditLoans.com is not a lender. All loan decisions, APRs, repayment terms, and eligibility criteria are determined by individual lenders. Always review any loan agreement carefully before accepting.

A Secure Online Application You Can Trust

In a digital age filled with scams and unreliable lenders, BadCreditLoans takes security seriously. The platform uses advanced encryption protocols to protect personal and financial information during the application process.

Borrowers can submit applications confidently, knowing their data is safeguarded and shared only with potential lending partners within the BadCreditLoans network.

Who Can Benefit Most?

BadCreditLoans is ideal for:
- Borrowers with poor or limited credit history
- Individuals seeking short-term emergency funding
- Applicants looking for no-credit-check payday loans
- Consumers who want fast, hassle-free loan comparisons
In short, if you’re searching for the best loans for bad credit in 2025, BadCreditLoans provides a streamlined, secure path forward — one built for convenience, transparency, and flexibility.

Bills piling up? Get the funds you need today. Apply at BadCreditLoans.com for quick approval—even with bad credit or no credit. Start now!

How BadCreditLoans.com Works: A Step-by-Step Guide

Navigating the Application Process with Ease

BadCreditLoans.com simplifies what is traditionally a stressful and time-consuming process. By offering a digital loan onboarding experience designed specifically for low-credit borrowers, the platform removes unnecessary friction and helps applicants connect with lenders in minutes.

Let’s walk through the entire process — from application to funding.

Step 1 — Submit the Online Application

The first step is filling out a secure, no-cost online form directly on BadCreditLoans.com. This includes:
- Full legal name, address, and contact information
- Employment and income details
- Bank account information (for direct deposit of funds)
- Social Security number (used to conduct a soft credit inquiry)
Unlike traditional banks, this initial application will not harm your credit score. It is designed for borrowers searching for no-credit-check loans or those with low credit scores who need quick funding options.

Step 2 — Receive Loan Offers from Potential Lenders

After submitting the application, BadCreditLoans uses AI-powered loan matching to compare your information with its network of partner lenders.

You may receive multiple offers with varying:
- Loan amounts (typically $500 to $10,000)
- Repayment terms (3 months to 60 months)
- Annual Percentage Rates (APR)
- Fee structures (origination fees, if applicable)
Each lender has its own criteria, but most are open to working with credit invisibles, freelancers, gig workers, and others who may have difficulty qualifying through conventional channels.

Disclaimer: Loan availability, rates, and approval outcomes vary by lender and applicant profile. Always review each lender’s terms before proceeding.

Step 3 — Review, Accept, or Decline Offers

One of the platform’s most empowering features is transparency. There is no obligation to accept any offer. You’re free to:
- Compare multiple offers
- Read loan documents carefully
- Ask questions directly to the lender
- Decline an offer if the terms aren’t right
BadCreditLoans encourages users to borrow responsibly — a key differentiator from many predatory payday lenders that pressure borrowers into accepting high-APR loans.

Step 4 — Receive Your Funds

Upon accepting a loan offer and completing any additional verification steps (such as confirming employment or banking details), many lenders offer:
- Same-day or next-business-day funding
- Direct deposit into your checking account
This is especially valuable for users facing financial emergencies — such as medical bills, utility cutoffs, or urgent home repairs — who need fast approval loans.

Step 5 — Repayment and Support

Loan repayment is handled directly between the borrower and the selected lender. Repayment terms are set in advance and may include:
- Fixed monthly payments
- Automatic withdrawals from your bank account
- Prepayment options, often without penalties
Be sure to confirm:
- Exact APR and total repayment cost
- Payment dates and amounts
- Late fees or grace periods
Disclaimer: Always read the full loan agreement. Not all lenders allow early repayment without penalty. Terms and conditions vary.

Why This System Works for Low-Credit Borrowers

This step-by-step process is designed to provide structure and peace of mind for individuals who typically feel shut out of the lending system. With a mobile-first lending interface, transparent offers, and no upfront fees, BadCreditLoans.com is built to support financial inclusion, not exploitation.

For users searching for online payday loans, bad credit personal loans, or emergency loans without a credit check, the platform offers a fast, secure, and user-friendly alternative in 2025’s evolving lending market.

Get same-day payday loans with no upfront fees! BadCreditLoans.com connects you to lenders fast—even if your credit isn’t perfect. Apply now!

Eligibility Criteria and Requirements

Understanding who qualifies for a loan through BadCreditLoans.com is essential. The platform is designed to serve individuals who have historically been underserved by traditional financial institutions, including those with bad credit, limited credit history, or unconventional income sources.

This section outlines the basic qualifications you’ll need to meet, as well as the inclusive approach BadCreditLoans takes in helping more people gain access to emergency funds.

Who Can Apply?

To be eligible for a loan offer through BadCreditLoans, you must meet the following minimum requirements:
- Be at least 18 years old and a legal resident of the United States
- Possess a valid checking account in your name
- Have a steady source of income (employment, self-employment, benefits, etc.)
- Provide a working phone number and email address
These requirements are intentionally flexible to ensure that individuals in varying financial circumstances — including part-time workers, freelancers, and those recovering from financial setbacks — have an opportunity to apply.

Credit History Requirements

One of the most appealing features of BadCreditLoans is its accessibility to individuals with low or no credit scores. Many of the lenders in the network accept applicants who:
- Have a poor FICO score or no FICO score at all
- Have past bankruptcies, delinquencies, or charge-offs
- They are labeled as credit invisibles due to a minimal borrowing history
The use of soft credit inquiries ensures that submitting an application will not negatively affect your credit score, a crucial feature for those already navigating credit challenges.

Alternative Approval Metrics

Unlike traditional banks, many lenders connected through BadCreditLoans look at a broader picture when evaluating your application. They may consider:
- Employment stability
- Monthly income vs. existing obligations
- Bank account activity
- Alternative credit scoring methods (such as rent, utility, or phone bill payments)
This inclusive underwriting process helps more people qualify for essential funding, even without a strong credit history. It aligns with emerging trends in fintech that prioritize real-time income verification and cash flow-based decision-making over legacy credit models.

Designed for Financial Inclusion

BadCreditLoans supports financial inclusion by helping underserved populations access transparent, regulated lending solutions, not high-interest payday traps. It fills a crucial gap in today’s lending market, providing fast approval options for people who may not have any other viable short-term alternatives.

If you’ve searched for terms like “low credit score loans,” “bad credit loans online,” or “no credit check payday loans,” this platform is likely one of the most accessible paths forward.

Disclaimer: Meeting the eligibility requirements does not guarantee loan approval. All loan offers are subject to individual lender evaluation and may vary based on your profile.

Why wait? Apply now on BadCreditLoans.com to compare real loan offers in minutes—no obligation, no credit damage. Get funded fast!

Loan Terms, Rates, and Repayment Options

BadCreditLoans.com doesn’t issue loans directly but facilitates access to a broad range of lending options through its network of financial partners. The terms you receive will depend on the lender, your application details, and the type of loan product you pursue. Still, the platform provides a general structure for what borrowers can expect, giving users a clearer view of their options before committing.

Loan Amounts

Borrowers may be eligible for loans ranging from as little as $500 up to $10,000. These amounts can serve a variety of short-term or emergency needs — from utility bills and medical expenses to car repairs and rent payments. The flexibility in loan size ensures that users aren’t forced into borrowing more than they can reasonably afford.

Interest Rates and APR

Annual Percentage Rates (APR) typically fall between 5.99% and 35.99%, depending on the lender and the applicant’s financial profile. Factors that affect your APR include:
- Type of loan selected (e.g., installment vs. payday)
- Your verified income and monthly obligations
- Repayment duration
- Risk assessment performed by the lender
While these rates are higher than those offered to borrowers with excellent credit, they are often more competitive and transparent than traditional payday loan storefronts.

Disclaimer: APR ranges are determined by the individual lender and not BadCreditLoans.com. Your final APR will vary based on lender evaluation. Always review your loan offer carefully before accepting.

Repayment Terms

Repayment windows generally range from 3 months to 60 months. Short-term loans may require lump-sum repayment within a few weeks, while installment loans offer the convenience of scheduled monthly payments over a longer period.

Some lenders may offer early payoff options without penalties, giving borrowers a chance to reduce interest by paying ahead of schedule.

If you’re applying for a small loan to cover urgent costs, many users find repayment periods of 6 to 12 months to be a manageable middle ground, balancing affordability with speed.

Transparency and Disclosures

BadCreditLoans.com emphasizes lender transparency. Borrowers will be presented with:
- Clear breakdowns of loan terms
- Disclosure of fees, if applicable
- Exact monthly payment obligations
- Total repayment amount (including interest)
There are no application or platform fees charged by BadCreditLoans. However, lenders may include origination fees, late payment penalties, or other costs in their individual agreements.

Disclaimer: Loan fees, repayment flexibility, and total interest vary by lender. Be sure to read all terms before signing. Prepayment penalties may apply in some cases — always ask your lender directly if you’re unsure.

Payment Collection Methods

Most lenders automate repayment through scheduled bank account withdrawals. You’ll need to ensure sufficient funds are available on your agreed-upon payment dates to avoid overdraft fees or late penalties.

In some cases, lenders offer web-based portals or mobile app support for tracking your repayment progress, updating payment information, or requesting due date changes.

Who do These Loan Terms Benefit Most

Borrowers looking for:
- Flexibility in repayment schedules
- Fast access to cash without extensive paperwork
- Loans that don’t penalize poor credit history
- A transparent agreement with no hidden clauses
… will likely find these lending structures supportive and adaptive to real-life situations.

For those seeking “bad credit loans online,” “emergency loans with bad credit,” or “fast approval loans” — this section of the process is where peace of mind starts.

Disclaimer on Pricing: Loan costs, interest rates, and fees are determined by individual lenders. Pricing is subject to change at any time. Always check the official BadCreditLoans.com website or your lender’s site for the most up-to-date pricing and terms.

Bad credit won’t hold you back! Submit your free BadCreditLoans.com application now and access emergency loans with flexible terms today!

Comparing BadCreditLoans.com to Other Lending Platforms

Borrowers exploring online lending options for bad credit quickly find that not all services deliver the same value. Some platforms are limited in scope, while others may impose hidden fees or fail to prioritize consumer protection. This section outlines how BadCreditLoans.com stands apart from competing services in the low-credit lending space.

A Broader Network for More Loan Offers

Unlike many payday loan sites that connect users to just one lender, BadCreditLoans.com gives applicants access to a network of vetted financial providers. This increases the chances of receiving multiple offers, helping users compare loan amounts, APRs, and terms. Borrowers seeking “best loans for bad credit” or “emergency loans with bad credit” benefit from this flexible structure.

Zero Application Fees

Many platforms charge upfront service or processing fees, especially those targeting low-credit borrowers. BadCreditLoans.com, in contrast, offers:
- A free, no-obligation loan request process
- No hidden fees for using the service
- Full transparency during the loan-matching stage
This fee-free approach makes it ideal for those already navigating tight budgets or financial emergencies.

Credit-Sensitive Approval Model

While some lenders require a hard credit pull upfront, BadCreditLoans uses a soft credit inquiry during the application process. This means:
- No impact on your credit score
- Broader lender participation for those with credit challenges
- Increased chances of loan approval for credit invisibles or subprime borrowers
Consumers who’ve faced multiple denials from banks or credit unions often find their first path forward here.

Transparency and Borrower Control

The platform gives users the ability to review, decline, or accept any offer without pressure. Each loan offer includes:
- Clear repayment terms
- Transparent APR breakdowns
- Fee disclosures are where applicable
- Direct access to the lender for further questions
Borrowers researching “no credit check payday loans” or “safe online lending for bad credit” will appreciate this open, user-centric approach.

Security and Trust

BadCreditLoans employs advanced encryption to protect personal data. This is a major differentiator in a space where many digital loan platforms fall short on privacy practices. Data is only shared with verified lending partners, and the application is protected by secure protocols.

Summary of Key Differentiators
- BadCreditLoans.com only performs soft credit inquiries
- Applicants receive multiple loan offers rather than being limited to a single lender
- No platform fees or application charges are required to use the service
- Loan terms are flexible and often include longer repayment windows
- All disclosures and terms are provided upfront to encourage informed decisions
- Data privacy and security protocols meet industry standards
These features work together to create a platform that aligns with the needs of borrowers searching for “online payday loans for bad credit” and “fast approval loans with no hidden fees.”

Disclaimer: Terms, availability, and borrower outcomes vary by lender. Always read individual loan offers carefully and verify details directly with the lender before proceeding.

Strapped for cash? Apply at BadCreditLoans.com and see real offers in minutes. No fees, no pressure—just fast loan options made for you.

Customer Testimonials and Reviews

When evaluating any financial service, especially one tailored to individuals with bad credit, real user feedback is one of the most valuable sources of insight. While platform features and lender terms are important, the true test of a lending service’s effectiveness is how it performs in the real world for people in financial distress.

BadCreditLoans.com has garnered a solid reputation over the years, largely because of its consistent delivery of fast, accessible, and transparent loan-matching services. This section captures what users are saying and why these experiences matter for those considering using the platform.

What Customers Are Saying

Many borrowers turn to BadCreditLoans after facing rejection from traditional banks. For these individuals, being matched with a lender who’s willing to work with a poor credit history is not just helpful — it’s essential.

Users commonly report:
- Quick and easy online application process
- No unnecessary paperwork or hidden terms
- Fast loan offers, sometimes within minutes
- Same-day or next-day funding, depending on lender approval
- Appreciation for being treated with respect despite a low credit score
These first-hand accounts reveal a recurring theme: borrowers feel they’ve been given a second chance to stabilize their finances. For people who are used to being penalized for past mistakes, that access alone can be life-changing.

Positive Experiences in Key Areas

Beyond approval and funding speed, users consistently highlight the following:
- The ability to compare multiple lenders without pressure to commit
- Transparent breakdowns of repayment terms and total loan costs
- No hard credit check required for initial loan inquiries
- Helpful support when contacting customer service with questions
This transparency and optionality stand in contrast to many “instant approval” payday loan sites that often steer applicants into rigid or expensive repayment structures without clarity.

Constructive Criticism and Realistic Expectations

While the platform has helped many, it’s important to mention that no lending service is without criticism. Some reviewers mention:
- Higher interest rates from certain lenders
- Confusion about repayment scheduling
- Desire for more frequent lender updates after approval
Most of these critiques are directed at the third-party lenders within the network, not BadCreditLoans itself. This highlights an important point: once a loan offer is accepted, the borrower’s relationship is with the individual lender, not the BadCreditLoans platform.

Disclaimer: Loan experiences vary by borrower. All terms, communication, and funding schedules are set by third-party lenders. Always ask for clarification on repayment dates and APR prior to signing.

Reputation in the Online Lending Industry

BadCreditLoans is frequently listed among the top loan matching platforms for bad credit borrowers, especially those seeking payday loan alternatives. Its long-standing operation, transparent application flow, and no-fee structure continue to position it as a competitive and trustworthy option in the market.

Borrowers who search for “trusted payday loan options in 2025” or “customer-reviewed bad credit loans” will likely encounter BadCreditLoans as a top result, and with good reason.

Don’t let bad credit stop you. Get approved for payday loans today at BadCreditLoans.com. Fast, trusted, and secure. Apply now before it’s too late!

Addressing Potential Concerns and Risks

Borrowing money with a bad credit score can be intimidating — and with good reason. The lending industry is filled with providers who offer fast cash but bury harmful terms in the fine print. For borrowers seeking urgent funds, it’s easy to overlook the long-term impact of loan agreements made under pressure.

BadCreditLoans.com is structured to reduce that risk. Still, it’s important to address the most common concerns borrowers have and explain how the platform helps mitigate them.

Is BadCreditLoans a Scam?

One of the most frequently asked questions from first-time users is whether BadCreditLoans is legitimate. The answer is yes — the platform has been operating since 1998 and functions as a loan matching service, not a lender.
- It does not charge you to apply
- It does not collect payment information for fees
- It does not require loan acceptance to use the platform
BadCreditLoans.com connects borrowers with lenders in a transparent, no-pressure environment and protects user information through secure encryption. For those searching “is BadCreditLoans legit or a scam,” this clarity is critical.

Data Privacy and Security

When entering personal financial details online, privacy is always a concern. BadCreditLoans uses industry-standard encryption and security protocols to ensure your application data is protected. Your information is shared only with the lenders considering your request.

This is a major safeguard, especially compared to unregulated sites that may sell your data to marketing companies or unrelated third parties.

APR and Repayment Risks

Loan agreements provided by BadCreditLoans’ network of lenders can include a wide range of APRs — some exceeding 30%, depending on the applicant’s risk profile and loan type. While these are clearly disclosed during the offer stage, borrowers must remain cautious.

Before accepting any offer:
- Review the total cost of repayment
- Understand the payment schedule and due dates
- Confirm whether early repayment penalties apply
- Contact the lender directly with any questions
Disclaimer: APRs and fees vary by lender. Always read loan terms carefully. Declining a loan offer will not impact your ability to use the platform again.

What Happens if You Miss a Payment?

Missing a payment with any lender can result in late fees, additional interest charges, and possible credit reporting. Most lenders in the BadCreditLoans network offer automated withdrawals and email reminders, but it’s still your responsibility to ensure payments are made on time.

If you foresee a problem:
- Contact your lender in advance
- Request a payment extension or an alternate plan if available
- Avoid default by staying ahead of any upcoming issues
This level of borrower control is another reason BadCreditLoans is often preferred over brick-and-mortar payday loan stores, where flexible repayment terms are rare.

Recognizing Responsible Borrowing Practices

BadCreditLoans emphasizes responsible borrowing through:
- Transparent disclosures
- Soft credit checks that don’t hurt your score
- No-pressure comparisons between offers
- No obligation to accept any loan
These features give borrowers time to make informed decisions and avoid falling into a long-term cycle of high-interest debt.

Bottom Line on Risk

Any financial agreement comes with potential downsides. But for consumers seeking payday loans for bad credit or emergency cash options in 2025, BadCreditLoans offers a safer and more transparent alternative to many of the predatory lenders in the market.

Disclaimer: Not all loan outcomes are ideal for every borrower. If you are unsure about a loan’s terms or repayment structure, consult a financial professional before signing.

Pricing, Fees, and Contact Information

When considering any financial product — especially in the subprime lending space — it’s critical to understand the full cost. One of the most valuable features of BadCreditLoans.com is its commitment to transparency: there are no hidden charges for using the platform, and all lender-provided fees are disclosed upfront before any agreement is made.

Cost to Use the Platform

There is no fee to submit a loan request through BadCreditLoans.com. You can:
- Fill out the application for free
- Receive multiple loan offers with no obligation to accept
- Compare terms and rates from different lenders at no cost
This distinguishes the platform from services that charge application or matching fees, often without improving the borrower’s outcomes.

Possible Lender Fees

Although the platform itself is free to use, individual lenders within the network may include:
- Origination fees
- Late payment penalties
- Prepayment fees (less common, but possible)
- Returned payment fees (e.g., due to insufficient funds)
Lenders are required to disclose all costs, including the APR, total loan repayment amount, and fee structures, before you accept any offer. Reading this information thoroughly is essential to borrowing responsibly.

Disclaimer: All loan fees and pricing are set by the individual lender, not BadCreditLoans.com. Always review the official loan agreement before accepting. Declining an offer does not cost anything.

APR Ranges and Total Cost

APR — or Annual Percentage Rate — is one of the most important numbers to consider. While rates vary, they typically range between 5.99% and 35.99%, depending on your income, credit profile, and loan amount.

A higher APR means a higher cost of borrowing over time. However, lenders offering short-term payday loans for bad credit may still fall within this range, especially when compared to in-person payday storefronts, where APRs can exceed 400%.

Disclaimer on Pricing: The lender provides all APRs, fees, and repayment terms. Pricing is subject to change at any time. Please refer to the official website or the individual lender’s page for the most accurate and current details.

Transparency and Borrower Confidence

Bad Credit Loans does not attempt to upsell, pressure, or manipulate users into accepting offers. You remain fully in control, and the platform’s fee-free approach makes it accessible to anyone seeking a secure and affordable way to explore bad credit loan options.

For those researching “payday loans for bad credit” or “trusted bad credit loan providers,” knowing exactly what you’ll pay — and who to contact if you need help — is essential to making informed financial decisions.

Facing a financial emergency? Apply at BadCreditLoans.com now and unlock low-credit payday loans with no risk to your score. It’s free to try!

Is BadCreditLoans.com the Right Choice for You?

Not every lending platform suits every borrower, but for those facing credit challenges, limited options, or urgent financial needs, BadCreditLoans.com is positioned as a strong contender in the online lending space. This section helps you evaluate whether the platform aligns with your situation, financial goals, and borrowing preferences.

Who Benefits Most from This Platform?

BadCreditLoans.com is ideal for individuals who:
- Have a low credit score or limited credit history
- Need access to emergency funding for bills, repairs, or medical expenses
- Want to avoid predatory payday lenders or high-interest cash advance storefronts
- Are you looking for no-pressure, no-fee online lending options
- Prefer soft credit checks and the ability to compare multiple offers without commitment
If you’ve been searching for “online payday loans for bad credit,” “fast approval loans with no credit check,” or “trusted lenders for low credit borrowers,” this platform is built with your profile in mind.

Key Advantages That Set It Apart
- No upfront fees or hidden platform costs
- Secure online application with soft credit inquiries
- Multiple lender offers based on real-time matching
- Loan amounts from $500 to $10,000 with repayment terms from 3 to 60 months
- Same-day or next-business-day funding in many cases
- Support for financial inclusion, including those labeled as “credit invisibles”
These features work together to provide access, transparency, and a higher degree of borrower control compared to traditional payday loan services.

Important Considerations Before Applying

While the platform is designed to simplify the lending process, you should still approach every loan decision with care:
- Always review each lender’s terms, including APR, fees, and payment schedule
- Make sure you can meet the monthly payment obligations
- Only borrow what you need and can realistically repay within the loan window
- Use the platform’s flexibility to compare offers, not commit to the first one you receive
Borrowers who rush through this stage often overlook repayment costs or potential penalties, leading to unnecessary financial strain later on.

Disclaimer: Loan terms, interest rates, and funding timelines are determined by individual lenders. Approval is not guaranteed. Always verify loan details directly with the lender before signing.

Final Verdict

BadCreditLoans.com provides a streamlined, secure, and user-focused way to explore financing when traditional options are unavailable. It empowers users to compare offers, maintain control over their decisions, and connect with lenders who understand the realities of bad credit borrowing.

If you’re facing urgent financial pressure, need a low-credit loan, and want a platform that prioritizes transparency and trust, BadCreditLoans.com offers a compelling path forward.

Need cash now? Get up to $10,000 even with bad credit. Apply free at BadCreditLoans.com and get lender offers in minutes. No credit harm. Start now!

Frequently Asked Questions (FAQ)

What is BadCreditLoans.com and how does it work?

BadCreditLoans.com is an online loan matching platform that connects individuals with low credit scores to lenders offering payday loans, installment loans, and other short-term financial solutions. Instead of acting as a lender itself, it securely gathers your application information, performs a soft credit inquiry, and uses AI-powered loan matching to present you with offers from vetted lenders — all within minutes.

Can I get a payday loan with bad credit?

Yes. One of the key benefits of using Bad Credit Loans is its focus on helping individuals find payday loans for bad credit. Many lenders in the network specialize in working with borrowers who have low or no credit scores, offering flexible terms and approval based on income and other factors.

Will using BadCreditLoans.com hurt my credit score?

No. The platform only uses soft credit checks during the application process, which do not impact your credit score. However, if you choose to accept a loan offer, the lender may conduct a hard inquiry prior to finalizing approval.

Are no credit check loans really available through BadCreditLoans?

Some lenders in the BadCreditLoans network offer no credit check loans or rely on alternative credit evaluation methods such as income verification, employment history, and banking activity. While not all lenders skip traditional checks, borrowers searching for “no credit check payday loans” will find many accessible options here.

How much money can I borrow?

Loan amounts typically range from $500 to $10,000. The exact amount you’re eligible for depends on your application profile, income level, repayment ability, and the lender’s policies. Whether you need a small cash advance or a larger emergency loan, the platform can match you accordingly.

How fast can I receive the funds?

Many borrowers receive funds within one business day after accepting a loan offer. Some lenders may offer same-day deposit, especially for smaller amounts. This makes BadCreditLoans a useful option for emergency loans with bad credit when time is critical.

Disclaimer: Funding timelines vary by lender and application completeness. Always confirm expected deposit dates directly with your lender.

What are the interest rates and repayment terms?

Annual Percentage Rates (APR) vary between 5.99% and 35.99%, depending on the lender and your financial profile. Repayment terms generally range from 3 to 60 months. Every loan offer includes detailed disclosures regarding the total repayment amount, monthly payments, and fees.

Disclaimer: APRs and repayment terms are determined by individual lenders. Always review the full loan agreement before signing.

Can I repay my loan early?

Many lenders allow early repayment without penalty, potentially saving you money on interest. Always check your specific loan agreement or contact your lender to confirm prepayment terms.

What if I miss a payment?

Missing a payment can result in late fees and negatively impact your credit if the lender reports it. If you anticipate difficulty making a payment, contact your lender immediately. Some lenders may offer payment extensions or restructuring options.

Is BadCreditLoans.com safe to use?

Yes. The platform uses secure encryption protocols to protect your personal and financial data. Your information is shared only with lenders who are evaluating your loan request — never with unrelated third parties.

Who should use BadCreditLoans?

This platform is best suited for:
- Individuals seeking low credit score loans
- Borrowers needing emergency funds with fast approval
- Consumers looking for payday loan alternatives with more flexible repayment options
- Applicants who want to compare multiple lenders through one secure online application
Is there a fee to use BadCreditLoans.com?

No. The platform is completely free to use. You can apply, compare loan offers, and decline offers without paying any fees to BadCreditLoans.com. However, lenders may include fees in their offers, such as origination charges or late penalties.

Low credit? No problem. Apply now at BadCreditLoans.com and get matched with lenders offering fast loans and flexible repayment. Start today!
- Company: BadCreditLoans
- Email: support@badcreditloans.com
- Phone Support: 800-245-5626
Legal Disclaimer and Affiliate Disclosure

The information provided in this article is for general informational and educational purposes only and does not constitute financial, legal, or professional advice. Every effort has been made to ensure the accuracy, reliability, and timeliness of the content at the time of publication; however, no representations or warranties are made regarding the completeness, accuracy, or applicability of the information, including but not limited to any inadvertent errors, typographical mistakes, or outdated data. Neither the publisher, the authors, the content providers, nor any syndication partners shall be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use, reliance upon, or interpretation of the information contained herein.

The content does not guarantee loan approval, funding timelines, credit outcomes, or financial results. Readers are strongly encouraged to independently verify all information, consult directly with lenders or financial institutions, and seek advice from licensed professionals before making any financial decisions.

The purpose of this website and its content is to connect potential borrowers with lenders and financial service providers who advertise on this website. The operator of this website is not a lender, broker, or financial institution, and does not make credit decisions or issue loans. This website solely collects information from consumers and transmits it to lenders and third-party providers who may offer loan products that match the consumer’s needs. For consumers who do not qualify for a personal loan, alternative lenders and providers may be recommended.

This website shall not be construed as an offer or solicitation for a loan. There is no guarantee that a loan application will be approved or that an offer will be extended. The operator of this website does not charge consumers for the service provided and is not an agent or representative of any lender or third-party provider. The operator is compensated by lenders and third-party providers for advertising and marketing services. The time required to receive funds will vary by lender and may also depend on the policies of the borrower’s financial institution. Some lenders may require additional documentation, including faxed materials, before approving or funding a loan.

This service and the associated lenders or third-party providers may not be available in all states. Availability of loan products is subject to change without notice and may be restricted by applicable laws or lender requirements. Consumers are advised to contact lenders directly with any questions regarding loan terms, conditions, fees, repayment schedules, or other specific details of any loan offer.

Personal loans and other types of loans accessible through this platform should not be viewed as long-term financial solutions. They are intended to provide short-term financial assistance for immediate needs. Lenders and third-party providers may perform credit checks with one or more credit reporting agencies, which may affect a borrower’s credit score. By submitting a loan request, consumers authorize participating lenders and third-party providers to independently verify submitted information and evaluate creditworthiness. Failure to repay a loan may result in collection efforts, and lenders may report delinquent payment history to credit bureaus, potentially impacting future lending decisions.

Nothing contained on this website or in this article shall constitute an offer or solicitation for a loan.

Residents of certain U.S. states may not qualify for a loan due to lender-specific requirements or restrictions. Submission of a loan request form does not guarantee that a lender will offer a loan product or that an offer will be provided with rates or terms satisfactory to the borrower.

Affiliate Disclosure: This article may contain affiliate links. If a reader clicks on such a link and completes a loan application or transaction, the publisher or associated parties may receive a commission or referral fee at no additional cost to the consumer. Any such affiliate relationship has no impact on the editorial integrity, research process, or opinions expressed in the article. The presence of affiliate links is disclosed in compliance with the Federal Trade Commission’s guidelines for endorsements and testimonials.

All parties involved in the creation, publication, distribution, and syndication of this article shall be held harmless from any and all claims, damages, liabilities, or legal actions resulting from the use, reliance, or interpretation of the information provided. No warranties of any kind, express or implied, are made regarding the quality, accuracy, or completeness of the information or the services referenced.

Readers accept full responsibility for evaluating and utilizing any product, service, or loan offer mentioned herein. All terms, conditions, availability, and loan details are subject to change at any time without notice. For the most current information, consumers should refer directly to the official website of the lending platform or individual lenders.

The MIL Network –
May 8, 2025

MIL-OSI Asia-Pac: Department of Economic Affairs, Ministry of Finance, invites suggestions from experts/public on Draft Framework of ‘India’s Climate Finance Taxonomy by 25th June 2025

Source: Government of India

Department of Economic Affairs, Ministry of Finance, invites suggestions from experts/public on Draft Framework of ‘India’s Climate Finance Taxonomy by 25th June 2025

India’s climate finance taxonomy will facilitate greater resource flow to climate-friendly technologies and activities, enabling India to achieve the vision of being Net Zero by 2070 while ensuring long-term access to reliable and affordable energy

Posted On: 07 MAY 2025 5:53PM by PIB Delhi

In pursuance of the Union Budget 2024-25 announcement (Paragraph 104 of the budget speech) to develop India’s Climate Finance Taxonomy, the Department of Economic Affairs, Ministry of Finance, invites expert/public comments (format below) on the Draft framework. (CLICK HERE TO ACCESS — DRAFT FRAMEWORK OF INDIA’S CLIMATE FINANCE TAXONOMY)

The Union Minister for Finance and Corporate Affairs announced in the Union Budget 2025-26:

“We will develop a taxonomy for climate finance for enhancing the availability of capital for climate adaptation and mitigation. This will support achievement of the country’s climate commitments and green transition”

A Draft Framework of the Climate Finance Taxonomy has been developed pursuant to this announcement. This framework outlines the approach, objectives, and principles that will guide the taxonomy. It also details the methodology for classifying activities, projects, and measures that contribute to India’s climate commitments, while also taking into account goals associated with achieving Viksit Bharat by 2047.

The draft framework will be the basis for developing sectoral annexures. The sectoral annexes will outline the measures, activities, and projects considered climate-supportive, and those identified for promoting the transition.

India’s climate finance taxonomy aims to facilitate greater resource flow to climate-friendly technologies and activities, enabling the country to achieve the vision of being Net Zero by 2070 while also ensuring long-term access to reliable and affordable energy. The Climate Finance Taxonomy will serve as a tool to identify activities consistent with a country’s climate action goals and transition pathway.

Comments may be emailed to aditi.pathak[at]gov[dot]in by 25th June 2025 with the Subject “Comments on the Draft Framework for the Taxonomy”.

The comments received through public consultation will be duly considered and examined, following which the Department of Economic Affairs, Ministry of Finance, will release the Framework of India’s Climate Finance Taxonomy.

Format in which the information/comments may be provided:

Name of organisation/person:
Contact details:
Category/Description of person giving comments:
S. No.	Para / Sub Para no	Comments	Rationale

****

NB/KMN

(Release ID: 2127562) Visitor Counter : 78

MIL OSI Asia Pacific News –

May 8, 2025

MIL-OSI Europe: Written question – Strengthening EU-UK defence cooperation and implications for national sovereignty – E-001725/2025
Source: European Parliament
Question for written answer E-001725/2025
to the Commission
Rule 144
Afroditi Latinopoulou (PfE)

British defence companies have been allowed to participate in the EU’s security fund. In view of the fact that no measures have been announced to ensure that the strengthening of this cooperation does not undermine the sovereignty of EU Member States, can the Commission say:

1.On the basis of what criteria has the United Kingdom, which is no longer an EU Member State, been included in strategic European defence schemes, and how does the Commission intend to eliminate any potential risk of critical know-how or security data leaking to non-EU powers?

2.How will it ensure that the involvement of non-EU countries in Common Security and Defence Policy structures does not alter its character as a European, strictly intergovernmental operation?

3.Is there a mechanism to suspend or limit the participation of non-EU countries (such as the UK) should conflicts of interest or breaches of ethical and legal frameworks be identified?

Submitted: 30.4.2025
Last updated: 7 May 2025
MIL OSI Europe News –
May 8, 2025
MIL-OSI Europe: Highlights – BUDG-CONT-ECON – Presentation of Court of Auditors’ report on EFSI – 13.05 – Committee on Budgetary Control

Source: European Parliament

ECA Special report 07/2025 © Image used under license from Adobe Stock

On 13 May from 15:00 to 16:30, the BUDG, CONT and ECON committees have invited Mr Lefteris Christoforou, the European Court of Auditors’ Member who led the audit team of its Special report 07/2025 on “The European Fund for Strategic Investments”.

Launched in 2015 by the European Commission and the European Investment Bank (EIB), the European Fund for Strategic Investments (EFSI) aimed at tackling the investment shortfall within the EU after the financial crisis, by mobilising an additional €500 billion in investments by 2022 through various debt and equity instruments. The initiative was supported by a €26 billion EU budgetary guarantee and €7.5 billion in EIB resources. According to ECA’ special report the programme made significant strides in addressing the investment gap. However, it fell short of its target, with an estimated overstatement of the reported amount of €503 billion by €131 billion (26%). This presentation will provide an opportunity for the ECA to share its findings and discuss them with the BUDG, CONT and ECON Members.

MIL OSI Europe News –

May 8, 2025
MIL-OSI Europe: Answer to a written question – Greece’s potential contribution to the EU green hydrogen strategy – E-000870/2025(ASW)
Source: European Parliament
Greece started long-term planning of its future hydrogen infrastructure development within the European Ten-Year Network Development Plan[1].

The Greek hydrogen backbone project, which aims at connecting the future hydrogen production sites with Greek off-takers and European markets, is included in the Union list of Projects of Common Interest (PCIs) and Projects of Mutual Interest (PMIs)[2]. PCI status helps project development by providing streamlined permitting processes, and priority regulatory treatment.

Given its PCI status, the Greek hydrogen backbone project is for example eligible for the financial support under the Connecting Europe Facility (CEF) under certain conditions.

In 2025, the Commission allocated EUR 5.4 million to the project under CEF to support DESFA, the Greek transmission system operator, with studies that are necessary to realise this investment.

The CEF support will de-risk and accelerate the project. Renewable hydrogen can be supported with the Modernisation Fund and Greece can take part in the auctions-as-a-service of the European Hydrogen Bank auctions under the Innovation Fund.

The Commission is also in contact with the Greek administration for example within the context of Greece’s implementation of its recovery and resilience plan (RRP), which includes hydrogen-related actions[3].

In addition, Greece like other Member States will need to transpose the recent EU hydrogen legislation, which includes the sectoral consumption targets for industry and transport under the revised Renewable Energy Directive[4] and the recast Gas Directive[5].

The Commission is supporting Member States in this work through different means[6].

[1] https://www.entsog.eu/tyndp#entsog-ten-year-network-development-plan-2024

[2] https://ec.europa.eu/commission/presscorner/detail/en/ip_23_6047

[3] The Greek RRP includes a relevant reform on the framework for hydrogen, which shall include licensing and permitting procedures.

[4] Directive (EU) 2023/2413, transposition deadline 21 May 2025.

[5] Directive (EU) 2024/1788, transposition deadline 5 August 2026.

[6] This includes workshops on the consumption targets under the Renewable Energy Directive and a Q&A tool for Member States administrations on the Gas Directive.
Last updated: 7 May 2025
MIL OSI Europe News –
May 8, 2025
MIL-OSI Europe: Answer to a written question – Reducing regulatory burden for the fisheries sector – E-001034/2025(ASW)
Source: European Parliament
The Commission is dedicated to strengthening EU competitiveness and growth while upholding high standards and achieving economic, social, and environmental goals.

For this, it aims to streamline rules and reduce the administrative burdens for businesses by 25%, and by 35% for small and medium-sized enterprises by the end of this mandate.

The Commission will continue to systematically evaluate EU legislation, including opportunities to simplify and reduce administrative burden, without undermining its policy objectives.

Dialogue with stakeholders is key. As indicated in their mission letters and the 2025 Communication on implementation and simplification[1], each Commissioner will host at least two Implementation Dialogues a year.

Regular exchanges between the Commission and the advisory councils[2] also provide an opportunity to jointly explore ways to simplify EU legislation and reduce administrative burden that stems from it.

The Nature Restoration Regulation[3] (NRR) does not impose direct obligations on companies or stakeholders. It leaves wide flexibility to national authorities to identify in their national restoration plans[4] the measures needed to achieve the different restoration objectives . The implementation of the NRR is still at an initial stage.

It would be premature to draw conclusions regarding its impact on stakeholders. The Fisheries Control Regulation was revised only recently, and the focus should now be on its implementation.

On the basis of the empowerments granted by the co-legislators in the revised Fisheries Control Regulation, the Commission is currently preparing the relevant delegated and implementing acts. Simplification and limiting red tape are guiding principles in this process.

[1] https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=celex:52025DC0047

[2] https://oceans-and-fisheries.ec.europa.eu/fisheries/scientific-input/advisory-councils_en

[3] https://eur-lex.europa.eu/eli/reg/2024/1991/oj/eng

[4] The national planning efforts will be supported by a digital tool, currently being development by the European Environment Agency, that will reduce administrative burden for Member States to the strictly necessary, notably by reusing existing information (‘report once’ approach) and allowing for a bottom-up approach, where feasible.
Last updated: 7 May 2025
MIL OSI Europe News –
May 8, 2025
MIL-OSI Europe: Answer to a written question – Addressing the impact of the Carbon Border Adjustment Mechanism on the wind energy sector – E-000774/2025(ASW)

Source: European Parliament

The Carbon Border Adjustment Mechanism (CBAM) puts a carbon price on imports that is equivalent to that paid by EU producers under the EU Emissions Trading System (ETS).

The CBAM thereby addresses the risk of carbon leakage, which could undermine the effectiveness of EU’s climate objectives. This makes the CBAM an essential tool for achieving a climate-neutral Union at the latest by 2050, in line with the Paris Agreement.

As announced in the Steel and Metals Action Plan of 19 March 2025, the Commission will make a broad review of CBAM by the end of the year. As part of this review, it will make a first legislative proposal extending CBAM to certain downstream products for which there is a risk of carbon leakage.

To mitigate the costs and administrative burden of the green transition as envisaged by the EU Green Deal, the Commission has taken measures to support EU industries.

For instance, the Clean Industrial Deal, presented on 26 February 2025, highlights the importance of clean tech, which includes the wind energy sector, in driving future competitiveness, industrial transformation, and decarbonisation.

The Clean Industrial Deal alone will mobilise over EUR 100 billion to support clean manufacturing in the EU.

Further, the Commission presented on 26 February 2025 a package of CBAM simplifications, which will facilitate compliance with reporting requirements and simplify the authorisation of declarants, the calculation of emissions, and compliance with the financial liability.

MIL OSI Europe News –

May 8, 2025
MIL-OSI Europe: Highlights – BUDG-CONT-ECON – Presentation of Court of Auditors’ report on EFSI – 13.05 – NEW – Committee on Economic and Monetary Affairs

Source: European Parliament

ECA Special report 07/2025 © Image used under license from Adobe Stock

On 13 May from 15:00 to 16:30, the BUDG, CONT and ECON committees have invited Mr Lefteris Christoforou, the European Court of Auditors’ Member who led the audit team of its Special report 07/2025 on “The European Fund for Strategic Investments”.

Launched in 2015 by the European Commission and the European Investment Bank (EIB), the European Fund for Strategic Investments (EFSI) aimed at tackling the investment shortfall within the EU after the financial crisis, by mobilising an additional €500 billion in investments by 2022 through various debt and equity instruments. The initiative was supported by a €26 billion EU budgetary guarantee and €7.5 billion in EIB resources. According to ECA’ special report the programme made significant strides in addressing the investment gap. However, it fell short of its target, with an estimated overstatement of the reported amount of €503 billion by €131 billion (26%). This presentation will provide an opportunity for the ECA to share its findings and discuss them with the BUDG, CONT and ECON Members.

MIL OSI Europe News –

May 8, 2025
MIL-OSI Economics: DG Okonjo-Iweala: Broad agreement on WTO reform as “central priority” for MC14

Source: WTO

Headline: DG Okonjo-Iweala: Broad agreement on WTO reform as “central priority” for MC14

“We are now in the midst of one of the largest disruptions in world trade in history,” the Director-General told members. “But we are also now less than a year away from MC14, and we must think of what we need to do to maximize our chances for success there, including tackling some of the issues thrown up by this trade crisis.”
Against this backdrop, DG Okonjo-Iweala said, she has spent the past few weeks engaging with members to discuss what might constitute a credible roadmap to MC14, which will begin on 26 March 2026 in Yaoundé, Cameroon.
The Director-General said members stressed the importance of MC14 sending a clear political message reaffirming the WTO’s relevance and resilience amidst ongoing global uncertainty. There was also strong support for prioritizing WTO repositioning and reform at MC14, she noted.
In regard to substance, many members have proposed forward-looking corrective actions to inadequacies in the WTO’s existing rulebook, together with reforms across core functions, including monitoring and transparency, negotiations, and dispute settlement, she said.
“The present disruption is seen as a vital opportunity to address the system’s weaknesses and reposition the WTO for the future,” the Director-General said. “We must not waste a crisis.”
As part of this, workstreams could be established on issues such as dispute settlement reform, how to ensure the current WTO agreements remain dynamic and relevant, and looking at future trade rules so that the WTO remains responsive to evolving needs, the Director-General said.
She proposed a phased approach, consisting of a facilitator-led scoping exercise prior to MC14, ministerial guidance at MC14 on actionable steps for moving forward, and post-MC14 implementation within the workstreams, with the view to presenting concrete outcomes for endorsement at the 15th Ministerial Conference or earlier.
“We must seize this reform opportunity with seriousness and urgency,” the Director-General declared. Members “need to consider not what the organization can do for us, but what we are willing to give up to reform the organization so it can survive and thrive.”
The Director-General noted other priority areas identified for MC14, including agriculture, the “second wave” of fisheries subsidies negotiations, the e-commerce work programme and moratorium, the incorporation of the Investment Facilitation for Development Agreement and the joint initiative e-commerce agreement into the WTO framework, and development issues.
On all these issues, a stocktaking of the progress made will take place in July, and by December members “will need to make a clear decision on which negotiating issues are mature enough to be carried forward to MC14, and which are not,” the Director-General said. “The overarching goal in all this is to enable productive and meaningful ministerial engagement in Yaoundé.”
Reports from negotiating chairs
Members received updates from the chairs of the ongoing WTO negotiations on agriculture, fisheries subsidies, trade and development, the establishment of a multilateral system of notification and registration of geographical indications for wines and spirits, trade and environment, and services.
Reporting in his capacity as Chair of the agriculture negotiations, Ambassador Ali Sarfraz Hussain (Pakistan) noted his consultations with members and the first negotiating group meeting since his appointment as Chair earlier this year. He said there was “broad recognition” that delivering an outcome on agriculture is “critical for reinforcing the credibility of the WTO” but acknowledged that on substance, “the main positions have not shifted significantly.”
On the way forward, the Chair said he would first give proponents space to intensify their engagement and then hold targeted meetings with both proponents and non-proponents to explore ways forward. This would be followed by open-ended meetings of the negotiating group, whenever needed, to ensure full transparency and inclusivity. This could lead to a stocktaking event in late September or early October after which members will collectively assess the progress made and decide on the best path forward, including the nature of any possible outcomes at MC14.
Reporting in his capacity as the Chair of the fisheries subsidies negotiations, Ambassador Einar Gunnarsson (Iceland) noted that he led a series of bilateral consultations in late March/early April to hear views on the next steps. In light of this, the Chair said he would organize meetings over the coming weeks to exchange views on the “second wave” negotiations as well as the entry into force and implementation of the Agreement on Fisheries Subsidies, where 14 acceptances are still needed.
In regard to the former, the Chair said four focused sessions would take place to give members the opportunity to bring a new thinking into the negotiations that could unlock the current stalemate. Noting that an existing draft text exists which embodies “painstaking negotiation and numerous hard-fought compromises,” the Chair said: “We need not reinvent the wheel … with the right level of engagement and flexibility, meaningful progress remains within reach.”
Reporting in her capacity as Chair of the negotiations on trade and development, Ambassador Kadra Hassan (Djibouti) noted that work is continuing through the facilitator-led processes in three areas of work: sanitary and phytosanitary measures and technical barriers to trade; technology transfer; and trade-related investment measures. She also noted the mandate from ministers at MC13 to continue work on the application of special and differential treatment provisions under various WTO agreements. With MC14 drawing closer, the Chair called for “further flexibility, creativity and pragmatism from all delegations” in order to achieve outcomes.
Ambassador Alfredo Suescum (Panama), Chair of the negotiations on the multilateral register for wines and spirits, said that no new proposals have been submitted and that members’ underlying positions remain unchanged. Ambassador Eunice M. Tembo Luambia (Zambia), Chair of the negotiations on trade and environment, said that her consultations with members made clear that WTO members “have no appetite to engage in negotiations on this topic at this time.”
Ambassador Adamu Mohammed Abdulhamid (Nigeria), Chair of the services negotiations, said he was in the process of consulting with members on the way forward in view of the built-in mandate to improve schedules of commitments, as well as the call by ministers at MC13 to reinvigorate work.
General Council Chair report on informal consultations
The Chair of the General Council, Saqer Abdullah Almoqbel (Saudi Arabia, Kingdom of), reported on his recent informal consultations with members to explore the nexus between the current economic climate and its impact on the multilateral trading system.
The assessment is clear, the Chair said: “The situation is challenging, but our resolve must be stronger. There is a firm belief that the WTO and the rules-based multilateral trading system it embodies must remain a cornerstone of our collective response to the challenges. Indeed, many members see this as an opportunity for the WTO to reaffirm its relevance and proactively address the current situation.”
The Chair said he was considering convening an informal information session at the level of heads of delegations. This would start with a factual presentation on the current situation by WTO economists followed by a forward-looking exchange among heads of delegations on steps the WTO could take to address these impacts, particularly for the most vulnerable economies.

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MIL OSI Economics –

May 8, 2025
MIL-OSI Economics: Before, during and after severe weather, Verizon’s got you
Source: Verizon

Headline: Before, during and after severe weather, Verizon’s got you

NEW YORK – In response to the growing threat of severe weather, including hurricanes, wildfires, and tornadoes, Verizon is reaffirming its commitment to keeping customers connected. Through resilient network infrastructure, specialized response teams, and proactive community support initiatives, Verizon is prepared to support customers, communities, and public safety agencies when it matters most.

“In the face of severe weather, we know our customers rely on Verizon. We understand the vital role connectivity plays in their life, and we work tirelessly to ensure that connectivity is there when they need us most,” said Joe Russo, Executive Vice President, Global Networks and Technology, Verizon. “That’s why we work year-round planning, building and fortifying our network operations to ensure we’re at our best when Mother Nature is at its worst.”

Keeping you connected

Verizon’s industry-leading network covers 99 percent of where people live, work and play. With built-in backup power, redundant fiber routes, and hardened infrastructure, our network is designed to withstand the harshest conditions. One hundred percent of Verizon’s macro cell sites have backup battery power, and in addition to permanent generators at critical network facilities and cell sites, we have more than 1,000 mobile generators on standby to maintain connectivity in the event of commercial power loss. Customers can always get real-time updates on the status of the network in their area via the Check Network Status tool on Verizon’s website or the My Verizon app.

Verizon runs to a crisis to meet the needs of the communities it serves, with a fleet of resources and specialized teams staged across the country to support response and recovery operations:
- Nearly 3,000 network and satellite assets are ready to deploy to the hardest hit areas to serve as mobile cell sites, temporary emergency command centers, and self-contained basecamp operations, or conduct drone missions for infrastructure assessments.
- Across the country, there are teams of highly-specialized engineers and technicians who train throughout the year in HAZMAT, disaster response, and incident management who stand ready to deploy in the event of a crisis.
- Verizon’s Global Event Management Center monitors weather and all -hazards 24/7 365 days to mitigate risk to our teams and network and leads overall coordination of our crisis response and recovery operations.
Satellite when it matters most

Verizon’s integration of satellite technology enhances network resilience and reliability, helping maintain vital connectivity when it matters most. In emergency situations where traditional cellular networks are impacted, satellite connections can provide a critical lifeline for Verizon customers. All Verizon customers with compatible devices can send text messages to any other customer device via satellite if terrestrial cellular network service is interrupted, ensuring continued communication with first responders, loved ones, and emergency services.

Verizon also integrates the use of satellites in its fleet of portable assets used for storm recovery. Satellite linked mobile cell sites, satellite links on trailers and other satellite assets help restore service when fiber is damaged by natural disasters and provide additional coverage for search, rescue and response teams.

Ready on the Frontline

The Verizon Frontline Crisis Response Team stands ready to provide mission-critical communications support to public safety agencies responding to severe weather events – at no cost to the supported agencies.

Primarily composed of former first responders and military members, the Verizon Frontline Crisis Response Team responded to more than 1,500 requests for support from more than 800 different federal, state and local public safety agencies across 46 states in 2024. That support has continued in 2025 with the team already responding to nearly 400 requests for support from more than 200 agencies within the first four months of the year.

The Verizon Frontline Crisis Response Team provides on-demand, emergency assistance during crisis situations to public safety agencies and first responders on a 24/7 basis. Verizon Frontline Crisis Response Team members set up portable cell sites, Wi-Fi hotspots, charging stations and other Verizon Frontline devices and solutions that help enable communications and/or boost network performance for first responders.

Verizon also recently announced the launch of the Verizon Frontline Network Slice in select markets nationwide, continuing to build on the company’s more than 30-year history of cutting-edge innovation in support of our nation’s first responders.

The Verizon Frontline Network Slice is a 5G Ultra Wideband (UW) virtual network slice completely dedicated to public safety that allows for the allocation of network resources within Verizon’s network infrastructure. This helps provide first responders several key advantages including dedicated 5G UW network capacity, tailored performance, enhanced reliability and flexible scalability.

Committed to the community

Verizon’s long-standing commitment to disaster-impacted communities is expanding given the increasing frequency of weather-related natural disasters to enable communities to better prepare for, respond to, and recover from natural disasters.

Verizon has rolled out flood sensor technology, in partnership with innovative start-up Hyfi, to use our network and data to spread urgent messages about flood risks within communities, helping people to confidently prepare for and mitigate their damaging effects. Hyfi’s high-tech, low-cost sensor runs on Verizon’s 5G network and provides stormwater managers with real-time data on current water levels and future flood risks. In fact, the stormwater sensors have rolled out in New Orleans and provided critical data to the city when Hurricane Francine hit in 2024. We have a goal to expand those flood sensors — along with other advanced technologies – to additional cities that are susceptible to weather-related disasters, such as Chicago, Detroit, Miami and Los Angeles.

Verizon has also launched its Disaster Resilience Prize in partnership with MIT Solve to support tech advancement for game-changing technology that helps mitigate the effects of natural disasters.

Partnering with United Way and Habitat for Humanity, Verizon is also rolling out comprehensive preparatory, response and recovery services across 15 cities, including workshops educating people on how to make personal emergency plans (such as safeguarding documents and making an escape plan), supporting nonprofits responding to specific weather-related events, and longer term recovery activities once disasters have struck (such as rebuilding homes, mental and emotional health services, long-term financial assistance, job assistance, and community clean ups).

Ready to Serve

With thousands of retail locations coast to coast, you’re never far from one of our retail stores. Our knowledgeable retail team can help make sure you have what you need in advance of severe weather and get you back up and running after. While storms and power outages can impact our retail hours, our website, www.verizon.com/stores, always has the latest information on store hours and locations so you can ensure we’re there when you need us most. And of course we’re always available online and via our My Verizon app.
MIL OSI Economics –
May 8, 2025
MIL-OSI Economics: Development Asia: Italy Helps Conserve Pakistan’s Melting Water Towers Through Scientific Innovation

Source: Asia Development Bank

Pakistan has 13,032 glaciers covering over 13,500 square kilometers—the highest number of dryland glaciers in Asia. These feed the Indus River, which supports Pakistan’s farmland, energy needs, and drinking water. No other major river relies more heavily on glacier melt, and no country depends more on such a river than Pakistan. The stakes are high: glacier loss could undermine food and energy security for millions, especially in downstream areas like Sindh.

Italy’s role began over a century ago with early scientific expeditions to the Karakoram Mountains. The 1909 journey of Duke of Abruzzi Roberto Lerco and the 1929 expedition by Duke of Spoleto Prince Aimone with geologist Ardito Desio laid scientific groundwork by documenting terrain, glaciers, and local cultures. While these missions had exploration in mind—culminating in the 1954 Italian ascent of K2—their contributions, including detailed maps and glaciological surveys, remain invaluable today.

In the 1980s, Desio partnered with climber Agostino Da Polenza to establish EvK2CNR, which pioneered high-altitude research across the Himalayas and Karakorum. This led to the 1990 creation of the Pyramid Observatory—a high-altitude scientific laboratory located 16,568 feet above sea level in Nepal’s Khumbu Valley. Hosting nearly 600 scientific missions, it is a hub for studies on mountain ecosystems, glaciers, biodiversity, climate, and protected areas.

Through EvK2CNR and partnerships with the United Nations Development Programme, Pakistani universities, and research institutions, Italy launched pioneering glacier initiatives—including the country’s most detailed glacier inventory, documenting 13,032 glaciers across 13,546.93 square kilometers. Using UAVs, satellites, remote sensing, and ground surveys, Italian scientists produced geo-tagged inventories and advanced glacier melt modeling—tools essential for predicting future water supplies.

An Italian glaciologist collecting snow cover sample over a glacier in the Karakoram. Photo: EvK2CNR.

MIL OSI Economics –

May 8, 2025
MIL-OSI New Zealand: GAZA – PSNA joins with NZ Māori Council for call to action on Gaza

Source: Palestinian Solidarity Network Aotearoa (PSNA)

PSNA and the NZ Māori Council are jointly publishing advertisements today in the Post, Press and Waikato Times calling on the government to end its silence and take action on the Israeli genocide and ethnic cleansing in Gaza.

The Israeli blockage on all food, fuel and other essential supplies entering Gaza is now into its third month.

PSNA Co-Chair John Minto says, during the first year or so of the Israeli genocide in Gaza, Foreign Minister Winston Peters had been making statements warning Israel that it must not break the rules of international humanitarian law.

“Israel went ahead and flattened all of Gaza, displaced most of the people in the region and is now starving them. Israeli forces have killed tens of thousands – mostly civilians. It has attacked an international aid convoy in the western Mediterranean. It is bombing Syria again. These are all clearly war crimes.”

“Our government’s response has been to stop saying anything. It is giving licence to Israel to do anything it wants.”

“Since our advertisement was signed off, Israel has announced it will intensify its attacks on Gaza, openly declared its plans to cleanse the Palestinian population and that its forces will remain in Gaza indefinitely, leading to a return of Israeli settlements there.

“Added to the increasing rate of ethnic cleansing in the Occupied West Bank, Israel has clearly signalled it intends to finish the job of depopulating Palestine of Palestinians which it began in 1948,” Minto says.

In the UK parliament MPs from across the house have united in condemning Israel’s actions but not a peep from our government. (ref. https://youtube.com/watch?v=f9dws0yuaPY&feature=shared )

We expect the media to hold this government to account for its silent complicity with Israel’s heinous crimes.

John Minto
Co-National Chair
Palestine Solidarity Network Aotearoa.

MIL OSI New Zealand News –

May 8, 2025
MIL-OSI New Zealand: Transport – It’s good to be a truckie on the Coast

Source: Ia Ara Aotearoa Transporting New Zealand

National road freight association Ia Ara Aotearoa Transporting New Zealand is partnering with Teletrac Navman to produce a detailed snapshot of the road transport sector.

The report will be released at Transporting New Zealand’s South Island Road Freight Seminar in Christchurch on 28 June.

One of the early findings is that truck drivers on the West Coast of the South Island do well in comparison to the rest of New Zealand.

“The latest Census data shows that the West Coast has the best-paid truck drivers in the country, followed by Southland and Waikato,” says Transporting New Zealand’s Policy and Advocacy Lead, Billy Clemens.

“This varies according to the different regional freight tasks and demands. Our analysis will dig into that further.”

The upcoming report will analyse shifts in age, gender, income trends, and even home ownership across the 33,000-strong truck-driving workforce.

It is the latest element of the Driving Change Diversity Programme, sponsored by fleet management solutions provider Teletrac Navman as part of that company’s commitment to supporting workforce development in the transport sector.

Clemens says having an evidence-based report of workforce trends will help road freight businesses with planning and building resilience.

“We know that over 30,000 New Zealanders work as truck drivers – as at 2023, this figure was up to 33,744. However, we’ve been missing evidence-based insights into the number of women working in the industry, the age of the workforce, average hours worked, income, and other demographic trends.

“Our Road Transport Workforce Snapshot will look at data from the past three censuses, along with other authoritative data sources, to paint a comprehensive picture.

“This information will help ensure Transporting New Zealand and our members are prepared for changes in the workforce, help guide our policy and project priorities and will demonstrate the progress the road freight sector is making in workforce development.”

“Transporting New Zealand is incredibly grateful for Teletrac Navman’s ongoing support of the Driving Change Diversity Programme and the Road Transport Workforce Report.”

Caption for the attached graphic:

Regional Rankings – Mean Truck Driver Income Across New Zealand (according to 2023 Census data)

1. West Coast

2. Southland

3. Waikato

4. Tasman

5. Marlborough

6. Manawatū-Whanganui

7. Canterbury

8. Otago

9. Taranaki

10. Bay of Plenty

11. Hawke’s Bay

12. Auckland

13. Northland

14. Nelson

15. Wellington

16. Gisborne

About Ia Ara Aotearoa Transporting New Zealand

Ia Ara Aotearoa Transporting New Zealand is the peak national membership association representing the road freight transport industry. Our members operate urban, rural and inter- regional commercial freight transport services throughout the country.

Road is the dominant freight mode in New Zealand, transporting 92.8% of the freight task on a tonnage basis, and 75.1% on a tonne-km basis. The road freight transport industry employs over 34,000 people across more than 4700 businesses, with an annual turnover of $6 billion.

About Teletrac Navman

Teletrac Navman’s goal is to empower the industries that transform and sustain our futures with simple and intelligent solutions that enhance the efficiency, safety, and sustainability of their operation.

As a connected mobility platform for industries that manage vehicle and equipment assets, Teletrac Navman simplifies the complex so that its customers can transform the way they work through cloud-based solutions that leverage AI to unlock the power of operational insight. Teletrac Navman manages more than 700,000 vehicles and assets around the world. The company operates globally, with offices worldwide and headquarters in Northbrook IL. For more information visit www.teletracnavman.com. Teletrac Navman is a Vontier company.

MIL OSI New Zealand News –

May 8, 2025
MIL-OSI New Zealand: Release: Unemployment remains high under National

Source:

Job losses remain stubbornly high under National, as their attack on jobs, wages, and women rages on.

“This is the cost of a Government that governs by cuts: more Kiwis out of work and leaving for Australia, crumbling hospitals, and a shortage of affordable housing,” Labour finance and economy spokesperson Barbara Edmonds said.

“They’ve also completely abandoned women’s equality with their shameful move to scrap pay equity claims. Women still have more than double the rate of underemployment as men. National has betrayed women on both fronts: jobs and wages.

“These weak workforce numbers are the result of Nicola Willis and Christopher Luxon’s disastrous choices. They chose to scrap housing and infrastructure projects that our communities rely on. They chose to lay off thousands of public servants. They chose to weaken worker protections and cancel pay equity claims.

“In the March 2025 quarter, 45,000 fewer New Zealanders were employed full-time, compared with the March 2024 quarter. We continue to lose thousands of construction jobs. Women’s unemployment also remains higher than the national average at 5.3%.

“And as if high unemployment isn’t bad enough, Nicola Willis’ slash-and-burn Budget next week promises even more pain for Kiwis.

“They’ve refused to rule out cuts to KiwiSaver and Best Start and they’re scrapping pay equity claims, all to fund tax cuts for landlords and handouts for tobacco companies. It’s outrageous that in their crusade for Budget surplus they’re taking it from women, families, and retirees.

“Labour believes in rebuilding an economy that works for everyone, with well-paying jobs, quality healthcare, and affordable housing. We are fighting for equal pay and stronger protection for workers,” Barbara Edmonds said.

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MIL OSI New Zealand News –

May 8, 2025
MIL-OSI New Zealand: Release: National cuts women’s pay

Source:

National has forced through a law change that will take money out of women’s pockets.

“I hope every National MP takes a good, hard look at themselves tonight,” Labour workplace relations and safety spokesperson Jan Tinetti said.

“This dreadful process, rushing legislation through under urgency with no consultation, will result in women being paid less and that is a travesty.

“This Government is taking women backwards just so they can make their Budget add up. It is women who are paying for their billions in tax breaks for landlords and tobacco companies.

“But I am so proud of our Labour team, who have stood up for women all over the country and fought this at every point. The work does not stop here,” Jan Tinetti said.

“What this week has shown is Labour is the party that will stand up for women’s pay and women’s wages, while National tears them down,” Labour women’s spokesperson Carmel Sepuloni said.

“National MPs will now need to front up to their communities about why they think women should be paid less than men. We will not let them forget it,” Carmel Sepuloni said.

Stay in the loop by signing up to our mailing list and following us on Facebook, Instagram, and X.

MIL OSI New Zealand News –

May 8, 2025
MIL-OSI New Zealand: Pre-Budget speech to BusinessNZ

Source: NZ Music Month takes to the streets

Good afternoon everyone.

Today my intention is to put this year’s Budget in context.

First, I want to speak briefly about our economic recovery here at home, and why I remain confident despite international uncertainty.

Then I’m going to make the case for the two big priorities of Budget 2025, fiscal consolidation and economic growth: why they matter and some steps we’re taking to make them happen.

It’s fair to say Budget 2025 arrives against a challenging international backdrop.

Trade tensions overseas have seen growth forecasts revised down across the world, as exporters and consumers come under sustained pressure.

The sharp deterioration of financial markets in early April have somewhat recovered in recent days and weeks, but markets remain volatile.

Experts offshore are leaning into the uncertainty.

The Bank of Canada even chose to publish two separate scenarios in their latest statement, instead of one single set of forecasts.

I don’t blame them for having a bob each way.

For a small, open economy like New Zealand, the international environment clearly matters a lot, but I remain confident about our recovery.

Inflation remains anchored below 3 per cent, and interest rates continue to fall, supporting households with the cost of living and providing the foundation for a domestic economic recovery.

The Official Cash Rate has fallen considerably, from 5.5 to 3.5 per cent, with economists picking further cuts are on the way soon.

I acknowledge for households, interest rate relief will be a slow and steady process.

For example, according to the Reserve Bank, average interest rates on outstanding mortgages have only now fallen for just 4 months in a row, having previously risen for 37 months in a row.

The good news is that financial relief for households will keep rolling, with around $60 billion of mortgages set to roll-over in just the next three months.

In short, the trend is our friend, even if I know many families and businesses won’t be feeling that relief quite yet.

At the same time, an export-led recovery is now well underway in regional New Zealand.

Dairy prices are strong, despite global headwinds, supporting farmers to pay down debt and put more money back into rural communities.

Fruit exports are booming, hitting $5 billion in value in the 12 months to March, driven by a big jump in kiwifruit sales.

The tourism industry is also growing rapidly, with visitor numbers continuing to recover, now hitting 86 per cent of pre-COVID levels.

Total tourism expenditure was up 23 per cent in 2024.

It’s not surprising then that the recovery is looking brighter in regional New Zealand, and the South Island in particular.

Just last week Westpac highlighted that in Otago, Canterbury, and Southland, consumer confidence and growth in retail activity is outpacing the rest of the country.

Our government is working hard to support that rural recovery.

A steady diet of pro-growth deregulation, a strong focus on RMA reform, and fresh efforts to break into new markets offshore are highlights of that agenda so far.

We know the difference quality trade agreements can make to our growth prospects. For example, in the 12 months since the EU FTA came into force, exports to the European Union grew by 25 per cent.

For exporters, that’s worth an additional $1 billion.

Whether it’s CER, the CPTPP, the China, UK, or more recent UAE and GCC FTAs, our farmers and exporters are blessed by a latticework of trade agreements, negotiated successively by Ministers and diplomats over many years.

Clearly India will be an important next step, and it was positive to see Minister of Trade Todd McClay announce on Monday that the first formal round of FTA negotiations kicked off this week.

That brings me to this year’s Budget.

It won’t surprise you to learn that lifting New Zealand’s long run economic performance has been our primary focus in designing Budget 2025.

Yes, that has shaped decisions we have made on individual initiatives, some of which I’ll touch on shortly.

But our fiscal strategy, including our desire to return to surplus, and the wider impact on inflation, interest rates, and growth has also been front of mind.

You might have seen Nicola Willis announce last week that this year’s operating allowance would be smaller than previously signalled, at just $1.3 billion.

That will be the smallest operating allowance in a decade and ensures Treasury can still forecast a surplus within the next four years.

That was the right decision for several reasons.

First, it represents a fresh commitment to necessary fiscal consolidation.

In recent years, New Zealand has been living beyond its means and that has come at a significant cost.

Since 2017, net core Crown debt has risen by around $120 billion.

Put another way, that’s $60,000 in additional debt for every household in New Zealand.

As a proportion of the economy, debt has ballooned from just 21.6 per cent of GDP in 2017, to around 43 per cent of GDP today, higher than it has been at any time since the 1990s.

At the same time, the cost of servicing our national debt has more than doubled, from $3.5 billion in 2017, to almost $9 billion today.

In some areas, spending more is the right thing to do.

In health, education, law and order, defence, and transport my government is prioritising significant new investments.

Each of those areas are a priority for New Zealanders and they require more funding to deliver the quality services Kiwis expect.

But that comes with trade-offs.

Spending more on everything, as some commentators have called for, would mean larger deficits, more debt, and ultimately fewer choices in future budgets as the cost of servicing our debt grows even larger and the prospect of returning to surplus evaporates.

Managing and responding to critical risks is also more challenging with high levels of public debt.

New Zealand was well served in the Global Financial Crisis, following the Christchurch Earthquake, and during COVID because successive Ministers of Finance made difficult choices to ensure New Zealand had low levels of public debt.

Our responsibility is to do what we can to leave a similar inheritance for future administrations.

Second, a smaller allowance supports lower interest rates and stronger business activity.

Sadly, recent experiences have forced us to re-learn the fundamentals of economics, including the reality that if governments borrow and spend too much, interest rates are forced higher to compensate, putting pressure on family budgets and private sector activity.

The good news is that the converse is also true.

More restrained fiscal policy supports interest rates to remain low, enabling businesses to grow and families to get ahead under their own steam.

ANZ’s initial estimate last week was that the smaller operating allowance would support interest rates being 5-10 basis points lower than otherwise.

Meanwhile, Treasury has estimated that with a tighter budget package, interest rates would be up to 30 basis points lower by the end of the forecast period.

For a family with a mortgage, or a farmer or entrepreneur taking on debt to grow their business, that means real financial relief and more opportunity to get ahead.

Careful spending, low interest rates, and robust private sector growth sits at the very heart of our government’s economic strategy, as we create jobs, boost exports, lift incomes, and promote innovation and investment.

Prudent fiscal management also supports our economic reputation offshore.

For a small-open economy like New Zealand that’s critical.

It means we can borrow more affordably when we have to, and guarantees that even in periods of global turmoil, we are a trusted destination for trade and investment.

Third, the smaller operating allowance was the right call because keeping our word matters.

Nicola Willis has been consistent in her commitment to deliver a path back to surplus and to maintain debt at prudent levels.

Conditions can and do change, but it is a credit to her that Budget 2025 demonstrates a return to surplus, despite a challenging global backdrop.

That’s the result you expect when you anchor Budget decisions in your fiscal strategy, instead of allowing the pressures of the day to drag you off course.

I know there are some commentators calling for larger allowances and more spending.

They need to be honest that those decisions will mean more debt, more deficits, and an indefinite delay to New Zealand’s return to surplus.

More debt and more deficits is a fiscal strategy – but for a small, internationally-exposed country like New Zealand, it’s also an incredibly risky one.

At the same time, just as grey clouds bring silver linings, even tight Budgets present opportunities.

In Budget 2025, we will be taking further steps in our long-term mission to lift economic growth and boost productivity.

Earlier this year, we published our Government’s Going for Growth Agenda, which outlines a range of actions we are taking to get the New Zealand economy moving and realising its vast potential.

Each of those actions fits into one of five pillars we have identified as critical to lifting economic growth and improving New Zealanders’ standard of living:

Developing talent,
Encouraging innovation, science, and technology,
Introducing competitive business settings,
Promoting global trade and investment,
And delivering infrastructure for growth.

Each of those pillars will have strong representation in Budget 2025.

Today I want to touch on just a few of them – and some small steps we are taking to underpin our growth mission.

Encouraging science, innovation, and technology is one of those key pillars.

In January at my State of the Nation, I spoke briefly about our vision for the sector.

I want to see a much sharper focus on commercialisation, stronger ties to the business community, and rapid access to ideas and innovation from overseas.

Capital investment will be critical to our growth journey, but New Zealand won’t achieve a step-change in our living standards if we invest more but continue to lag behind the global technological frontier.

In Budget 2025, we will be allocating the funding we need to give effect to the changes I announced earlier this year, including the establishment of three new Public Research Organisations.

I also know that following a review of the Research and Development Tax Incentive that kicked off last year, the business community has been looking for some certainty on the future of the programme.

That review was required in law, and the final report has not yet been tabled in Parliament.

However, I can confirm today that we are retaining the RDTI in this year’s Budget so businesses have the certainty they need to keep investing and keep going for growth.

Promoting global trade and investment has also been a focus of my government in 2025, even before the recent bout of uncertainty offshore.

As I said earlier, part of that task has been to bring fresh energy to New Zealand’s proud history of achieving trade agreements offshore, with Minister of Trade Todd McClay finalising two new trade agreements in the Middle East, while we continue to work hard towards a trade agreement with India.

But promoting New Zealand as an attractive destination for investment, and a shelter from the global storm, has also been a personal focus of mine.

In March, the government hosted an Investment Summit here in Auckland, with attendees representing an estimated $6 trillion in capital, as we showcased opportunities to partner with the Crown, Iwi, and the private sector.

We are seeing some real progress, including an outstanding deal worth around $1 billion signed by Waikato Tainui and Brookfield Asset Management to further develop the Ruakura Inland Port.

But of course, I want to see more.

Yes, that means getting the structural settings right, including rewriting the Overseas Investment Act, so major investments from offshore are consented faster and more reliably.

But for small countries – who have to compete hard for share of mind and share of wallet – we also need a team of national champions constantly making the case for New Zealand as an outstanding place to do business.

In January, I announced that team would be led by Invest NZ, an entity specifically responsible for attracting investment to New Zealand, and providing the critical concierge services that have allowed other countries like Ireland and Singapore to punch above their weight.

I can confirm today that funding will be allocated for Invest NZ in Budget 2025, ensuring they can crack on and get the job done.

Modern, reliable infrastructure – and my government’s efforts to deliver more of it to communities right across the country – will also play a major role in our Going for Growth plan.

It’s why capital expenditure, including for frontline services like health and education, will be a priority in Budget 2025.

As I acknowledged earlier, the operating allowance in this year’s Budget will be a little smaller than previously signalled.

However, total capital expenditure allocated in the Budget is a little higher than forecast at $6.8 billion – split across health, education, defence, transport, and other portfolios.

When that is offset by savings identified in this year’s budget, it means the net capital allowance is $4 billion, compared to $3.6 billion previously signalled in the Budget Policy Statement.

For businesses, that investment represents an opportunity to develop critical skills and capability, promoting growth for many years to come.

For Kiwis, it will mean another big investment in the quality frontline services, like health and education, they deserve.

The two remaining pillars, our efforts to develop talent and to promote competitive business settings, will also feature prominently in the Budget, but I won’t be making be making announcements in those areas today.

However, as Nicola Willis confirmed last week and I can confirm again today, there will be a small number of measures in this year’s Budget designed to make it easier for businesses to invest, whether they are based here or offshore.

If we really want to create high-paying jobs, lift incomes, and make New Zealand a hub for innovation and investment, we need to make our business environment much more attractive.

I’m optimistic that Budget 2025 will take some positive steps in that direction.

The Minister of Finance was right last week to say Budget 2025 won’t be a lolly scramble.

It’s not that we can’t afford it, although frankly we can’t.

It’s not that it wouldn’t feel good, because it might, for a little while.

No, it’s that we have a responsibility to stay disciplined and keep our eyes on the prize.

So far, we’re making real progress.

Inflation is down, interest rates are falling, exports are rising, and the economy is growing.

For many New Zealanders, the prospect of a growing economy and rising incomes means a real shot at getting on top of the cost of living.

Now is not the time to put that risk.

In Budget 2025 that means staying focused, getting back to surplus, and maintaining a relentless focus on economic growth.

But for Kiwis, it’s about more than just the dollars and cents.

Lower inflation means less stress and less heartbreak, as prices stop skyrocketing and families finally stop falling behind.

Lower interest rates means a house becomes a home, not a source of pain and frustration as mortgage repayments crush weekly budgets.

And more economic growth means thriving local businesses, higher wages, more jobs, and ultimately more money in your back pocket.

It means a chance to get ahead and beat the cost of living.

And it means we can have confidence that our best days lie ahead.

New Zealand is the best country on Planet Earth.

With the right choices, I think we can make it even better.

Thank you.

MIL OSI New Zealand News –

May 8, 2025
MIL-OSI: MoneyMutual Under Review: Best Bad Credit Loan Provider for Short-Term Fast Cash Advance by Money Mutual
Source: GlobeNewswire (MIL-OSI)

Las Vegas, May 07, 2025 (GLOBE NEWSWIRE) —

In This Article, You’ll Discover:
- Why millions of Americans face rejection from traditional lenders due to bad credit, and the real-world consequences of poor credit scores
- How Money Mutual connects borrowers with a trusted network of short-term loan providers for fast cash advances
- The exact step-by-step process to apply for a bad credit loan through the MoneyMutual platform
- Key features and benefits that make Money Mutual the best bad credit loan provider in 2025
- Transparent insights into loan terms, lender practices, and security protections
- Common use cases include rent emergencies, medical expenses, car repairs, and more, as well as what to consider before borrowing.
- Disclaimers on medical and financial topics to ensure responsible borrowing decisions
- Real user experiences and what you can expect when applying for a cash advance online through MoneyMutual
- Frequently asked questions about bad credit loans, loan approvals, repayment terms, and state availability.
- A final verdict on whether MoneyMutual is the right short-term loan solution for your situation
TL;DR Summary

MoneyMutual is widely considered one of the best bad credit loan providers in 2025, offering a fast and secure way for borrowers to connect with short-term lenders, even if they have poor or no credit. Through its online loan marketplace, MoneyMutual simplifies the application process and gives users access to a vast lender network ready to offer payday loans, installment loans, or fast cash advances in urgent situations.

This article explores why borrowers with low credit scores often face barriers in traditional finance and how MoneyMutual helps address these challenges. We walk through how the loan process works, what fees and terms to look for, and how MoneyMutual maintains user privacy and security.

With embedded disclaimers for medical and financial content, pricing transparency reminders, and practical use cases from rent payments to car repairs, this in-depth review helps you make an informed decision.

Whether you’re navigating an emergency expense or seeking a more inclusive financial solution, this article will guide you step by step through what makes MoneyMutual a standout in the short-term lending space.

Financial Emergency? Here’s a Trusted Solution

Introduction to the Modern Financial Crisis

In today’s fast-paced world, financial stability can feel increasingly out of reach. Rising housing costs, unpredictable job markets, healthcare expenses, and student loan debt are just a few of the daily realities pushing Americans closer to the edge. For many, a single unexpected bill or emergency expense can create a serious shortfall, especially if traditional lending options are unavailable due to credit score issues.

Unfortunately, millions of people in the United States are denied personal loans simply because of a low credit score. Banks and credit unions tend to favor borrowers with excellent credit, leaving the rest scrambling for alternative funding solutions. This is especially frustrating when the need is urgent, such as rent, utilities, medical co-pays, or car repairs.

If you’ve ever found yourself in this situation—pressing financial need and limited credit options—you’re not alone. But there is a solution tailored for individuals facing these challenges.

MoneyMutual is an online loan marketplace that specializes in helping people find short-term loans, even if they have a bad credit history. By connecting borrowers with a network of trusted lenders, MoneyMutual provides an opportunity to get fast cash advances, often with same-day or next-day funding.

This article is designed to help you understand exactly how MoneyMutual works, what makes it stand out in the world of bad credit loans, and how it might offer a financial lifeline during your time of need. We’ll cover everything from the emotional weight of financial stress to how MoneyMutual simplifies the borrowing process in a secure, user-friendly way.

Disclaimer: MoneyMutual is not a direct lender and does not issue loans. This article is for informational purposes only and should not be considered financial advice. Always consult a qualified financial professional regarding your unique circumstances.

Understanding the Pain: Why So Many Struggle with Bad Credit

The Hidden Weight of a Low Credit Score

For millions of Americans, financial challenges aren’t just occasional—they’re chronic. A low credit score can feel like a permanent roadblock, one that follows you into every financial decision. Whether you’re applying for an apartment, securing a mobile phone plan, or seeking a loan to handle an emergency expense, your credit report becomes the gatekeeper.

But how did so many end up here? For most people, bad credit isn’t the result of irresponsible behavior—it’s often caused by life events outside of their control. Medical emergencies, job loss, sudden rent increases, divorce, or simply living paycheck to paycheck can send a credit score into a downward spiral.

Key reasons why credit scores drop include:
- Missed or late payments due to income gaps
- Over-reliance on credit cards in times of need
- Unexpected emergencies that require borrowing without immediate repayment ability
- Limited credit history for younger borrowers or immigrants
- High debt-to-income ratios that trigger score penalties
The truth is, a bad credit score doesn’t reflect your character—it reflects your circumstances. And unfortunately, traditional banks and credit unions rely heavily on these scores when making decisions. That means people with poor credit are routinely denied access to affordable financial tools—even when they’re trying to recover and rebuild.

This cycle creates a painful paradox: you can’t get a loan because your credit is poor, but you can’t improve your credit without responsible borrowing and repayment. It’s here that alternative lending options step in as a bridge, particularly platforms like MoneyMutual that offer fast, practical access to bad credit loans from vetted short-term loan providers.

The Emotional Toll of Being Denied Financial Help

Beyond the numbers, the emotional weight of repeated loan denials can’t be ignored. Financial stress is one of the leading causes of anxiety, depression, and tension within families. The feeling of being trapped—with bills piling up and no clear way out—can be paralyzing.

People don’t just need money. They need dignity, speed, and trust. They want to know that someone is willing to give them a second chance, without judgment or red tape. That’s why platforms like MoneyMutual are gaining traction—because they’re structured to meet people where they are, not where the system thinks they should be.

Disclaimers for Responsible Use

MoneyMutual is not a credit repair service or a guaranteed approval platform. It connects borrowers to lenders who may be able to offer short-term financial support. Borrowers should review all loan terms thoroughly and borrow responsibly. This article does not constitute financial advice.

Facing a cash emergency? Get matched with trusted lenders in minutes—apply through MoneyMutual now and access up to $5,000 fast, even with bad credit!

What Is Money Mutual? A Complete Breakdown

The Marketplace That Changed the Lending Game

When you’re in need of fast funding and traditional lenders have turned you down, the search for a safe, trustworthy, and efficient loan solution can feel overwhelming. This is where Money Mutual stands out as a top-rated online loan marketplace specifically designed to help people with bad credit find short-term financial relief, without unnecessary delays or red tape.

Unlike traditional banks or payday storefronts, Money Mutual doesn’t issue loans itself. Instead, it functions as a secure online platform that connects borrowers with a large network of lenders who are willing to work with individuals in urgent financial situations, even if they have a low credit score or no credit history at all.

How Money Mutual Works

The core of MoneyMutual’s value lies in its simplicity. The process is structured to be fast, accessible, and transparent:
- Step 1: Submit a secure request form online. The platform asks for basic financial and personal information to match you with potential lenders.
- Step 2: Review loan offers. Based on your input, you’re connected with lenders who are likely to approve your request. You can then review the terms of any offers, including the loan amount, fees, and repayment schedule.
- Step 3: Accept and receive funds. Once you agree to a loan offer, the lender will disburse funds, often as quickly as the next business day.
This streamlined system eliminates the need for lengthy interviews or in-person credit checks. In many cases, the process from application to funding takes less than 24 hours.

Key Features That Set MoneyMutual Apart
- Wide Lender Access: With over 60 lenders in its network, MoneyMutual offers access to a competitive marketplace.
- No Upfront Fees: Using MoneyMutual to submit a loan request is completely free to the consumer.
- No Credit Discrimination: Borrowers with bad credit, limited credit history, or prior loan denials can still find funding options.
- Fast Turnaround Times: Some borrowers report same-day approval and funding by the next business day.
- Fully Online Platform: There are no storefronts or paperwork—everything is handled securely online.
- Data Encryption & Privacy: The platform uses bank-level encryption to ensure your personal and financial data stays protected.
Disclaimer: MoneyMutual is not a lender and does not make credit decisions. It simply connects you to third-party lenders who make the final decision on loan offers and terms.

Transparency and User Control

One of the biggest advantages of MoneyMutual is that it gives borrowers control and visibility before they commit. Each lender outlines their own repayment schedule, fees, and terms, and borrowers are encouraged to take their time reviewing offers.

There’s no obligation to accept a loan once you’re connected with a lender.This empowers consumers to make informed decisions based on what’s realistic for their income and repayment ability.

Pricing & Offer Variability

Because MoneyMutual works with a range of lenders, pricing and interest rates will vary from one offer to another. Factors that affect your loan terms may include:
- The amount requested
- State-specific regulations
- Your income and employment history
- The lender’s own underwriting policies
Disclaimer: All loan terms, fees, and APRs are determined by the lender you choose. For the most accurate and updated pricing information, please visit the official MoneyMutual website. Pricing is subject to change at any time.

Need rent or car repair help today? MoneyMutual connects you with real lenders ready to fund—start your free application now and get cash as soon as tomorrow!

The Short-Term Loan Process Explained: Step-by-Step

A Simple, Fast, and Transparent Application Journey

Applying for a short-term loan can feel daunting, especially if you’ve been rejected before or have never used an online loan service. That’s why Money Mutual has focused on streamlining the borrower experience to ensure that users can access funds quickly, without sacrificing security or clarity.

Let’s walk through the entire loan application process, from beginning to end, so you’ll know exactly what to expect.

Step 1: Complete the Secure Online Request Form

The process begins with a short, easy-to-complete form on the official MoneyMutual website. You’ll provide basic information such as:
- Full name, address, and contact details
- Employment status and income level
- Banking information for direct deposit (used only if a loan is funded)
- Desired loan amount and purpose (optional but helpful for lenders)
The entire form is encrypted and protected by bank-grade security protocols, ensuring your information remains confidential.

Step 2: Get Matched With Lenders

Once your request is submitted, MoneyMutual uses its algorithm to connect you with one or more lenders in its private network who may be willing to extend an offer, regardless of your credit score. Unlike traditional lenders, these third-party providers often specialize in bad credit loans and understand the urgency behind short-term funding needs.

If a match is found, you’ll be redirected to that lender’s offer page to review the proposed terms.

Step 3: Review Your Loan Offer Carefully

This is where transparency matters. Each matched lender provides you with detailed loan terms, including:
- Loan amount
- Estimated APR (Annual Percentage Rate)
- Repayment schedule (e.g., due on your next payday or spread over several weeks)
- Applicable fees and conditions
You are under no obligation to accept any offer. If it doesn’t work for your situation, you can walk away without penalty.

Disclaimer: MoneyMutual does not dictate or set loan terms. The lender you are connected with will determine the details of any potential offer.

Step 4: Accept the Offer and Receive Funds

If you choose to accept the loan offer, you’ll finalize the agreement directly with the lender, usually electronically. Most lenders provide fast funding, and in many cases, funds are deposited into your account by the next business day.

Some borrowers have even reported same-day funding depending on when they submitted their request and how quickly the lender processed it.

Step 5: Repay the Loan Based on the Agreed Terms

Repayment is handled directly between you and the lender. Payments are typically debited from your bank account on the due date(s) outlined in your agreement. Many lenders offer flexible schedules and early repayment options.

Borrower Tip: Read the Fine Print

Before signing, always take time to read and understand the full loan agreement. Look for:
- Late payment fees
- Early repayment policies
- Automatic renewal or rollover clauses
These details affect the total cost of borrowing and can help you avoid surprises down the line.

Disclaimer: Interest rates, repayment terms, and other conditions vary by lender and are subject to change. For current details, always check the official MoneyMutual site and the lender’s terms directly.

Don’t let bad credit hold you back—MoneyMutual’s free service helps you find emergency loans fast. Apply now and get the financial relief you deserve!

Why Money Mutual Is the Standout Choice

What Sets It Apart From Other Bad Credit Loan Platforms

When facing a financial emergency, your choice of lender—or loan marketplace—can significantly impact both your short-term relief and your long-term financial health. While many websites advertise quick cash loans or bad credit funding, few offer the transparency, ease-of-use, and borrower-first approach that MoneyMutual brings to the table.

Here’s why MoneyMutual is consistently recognized as a top choice for bad credit loan solutions in 2025.

A Trusted Network of Lenders

MoneyMutual has built a reputable and vetted lender network that focuses specifically on consumers with limited credit options. Unlike sketchy loan sites or spam-heavy platforms, MoneyMutual only connects borrowers to legitimate lenders who follow compliance standards.

With over 60 providers in its network, the platform allows you to compare offers and choose the best one, empowering you to make informed financial decisions, even when your credit score is less than ideal.

No Fees to Use the Platform

One of the most user-friendly aspects of MoneyMutual is that it’s completely free to use. You’ll never be asked to pay a fee to submit your loan request or access lender matches.

Instead, MoneyMutual earns from its relationships with lenders, not borrowers, ensuring that you’re not charged simply for trying to get help.

Disclaimer: While MoneyMutual doesn’t charge users, individual lenders may charge fees based on loan terms. Always review these terms before proceeding.

High Approval Potential for Bad Credit Borrowers

Traditional banks typically require strong credit scores and lengthy application processes. In contrast, MoneyMutual connects borrowers to lenders who understand that your score doesn’t always reflect your current ability to repay.

With fewer barriers and no hard credit inquiry required to start, your odds of receiving a loan offer through MoneyMutual are significantly higher than through conventional lending channels.

Even applicants with sub-600 credit scores, limited credit history, or recent financial hardship can often find same-day or next-day funding options.

Lightning-Fast Turnaround Times

In an emergency, time matters. That’s why many borrowers turn to MoneyMutual: the process from submission to funding can take as little as 24 hours.

After you’ve been matched with a lender and approved, funds are typically deposited directly into your bank account, so you can handle urgent expenses like rent, car repairs, or overdue bills without delay.

Full Transparency in the Loan Process

Unlike other platforms that push aggressive marketing or bury loan terms in fine print, MoneyMutual ensures that:
- You receive clear terms before accepting any loan
- You’re free to walk away at any point before finalizing an agreement
- There’s no obligation to accept any lender’s offer
This level of transparency is one of the reasons Money Mutual consistently ranks among the best online marketplaces for bad credit loans.

Disclaimer: All loan terms, fees, repayment periods, and interest rates are determined solely by the lender. For the most accurate and up-to-date information, visit the official Money Mutual website.

Built for Mobile, Built for You

In a mobile-first world, accessibility matters. Money Mutual’s platform is fully optimized for mobile and tablet users, making it possible to apply and respond to lender offers on the go. Whether you’re at work, at home, or in between, you’re never out of reach from the loan support you need.

Apply today with MoneyMutual and skip the bank hassle—fast, secure, and 100% online access to lenders offering short-term loans with no upfront fees!

Common Use Cases: Real Financial Relief

Everyday Emergencies That Demand Quick Action

One of the reasons MoneyMutual has become such a popular choice for borrowers is its ability to meet people where they are—at the intersection of urgency and limited credit options. Life doesn’t wait for a loan approval from a traditional bank. And when cash is tight, even minor disruptions can turn into full-blown crisis.

MoneyMutual provides a streamlined way to obtain short-term loans that can help manage the most common—and often stressful—financial situations.

Rent and Utility Bills

Missing rent by just a few days can lead to eviction warnings or late fees. Similarly, unpaid utility bills can result in service interruptions. These are the types of scenarios that demand immediate access to emergency funds.

With fast cash advance options from MoneyMutual’s network of lenders, qualified borrowers can potentially receive funding in time to stay in their home and keep the lights on.

Medical Emergencies

A trip to the ER, unexpected prescriptions, or urgent dental work can cost hundreds—or even thousands—of dollars. For individuals without sufficient health insurance or savings, this can be financially devastating.

Disclaimer: MoneyMutual and its lending partners do not offer medical advice or cover healthcare services. The platform is a financial service provider. For medical issues, please consult a licensed healthcare professional.

That said, the speed of funding provided through MoneyMutual can be a useful tool to help address unexpected medical costs, especially when traditional financing is not accessible.

Car Repairs and Transportation Needs

A vehicle breakdown can be more than just an inconvenience—it can be a job-threatening event. Whether it’s a flat tire, a dead battery, or a failed transmission, these costs often arise without warning.

MoneyMutual’s same-day loan options allow you to get back on the road without having to wait weeks for a credit union’s approval or pawn off personal belongings to make ends meet.

Groceries and Family Expenses

When paychecks are delayed or hours are cut, covering basic needs like groceries, diapers, or school supplies becomes a struggle. A short-term loan can provide a critical buffer during these tight times, especially for parents balancing multiple responsibilities.

Debt Consolidation or Catch-Up Loans

In some cases, borrowers use MoneyMutual to consolidate smaller debts or catch up on payments that are just a few weeks behind. While these loans aren’t meant for long-term debt restructuring, they can offer some breathing room while you rework your finances.

Disclaimer: Borrowers should not rely on short-term loans as a long-term financial strategy. These loans are best used for immediate needs and emergency expenses. Always review terms carefully and consider your ability to repay.

Pricing, Terms & Transparency

What to Expect Before You Borrow

One of the biggest concerns for anyone seeking a loan—especially with bad credit—is knowing what the actual cost will be. Will there be hidden fees? Sky-high interest rates? Penalties for early repayment? MoneyMutual helps take the guesswork out by ensuring that borrowers can review the loan terms upfront before making any commitments.

It’s important to note that MoneyMutual is not a direct lender. Instead, it serves as a connector to a wide network of short-term lenders—each with their own pricing models and terms.This means your individual experience may vary depending on the lender you’re matched with.

Loan Amounts and Repayment Schedules

Money Mutual’s lender partners typically offer short-term loans ranging from $200 to $5,000, although exact figures depend on your income, location, and state laws. Repayment is generally expected in full on your next payday or may be scheduled over a few installment payments, depending on the lender’s policies.
- Short-Term Payday Loans: Typically due on your next payday, with a lump-sum repayment.
- Installment Loans: Spread over weeks or months, with set monthly payments.
- Cash Advances: Designed to cover immediate financial needs, often repaid in a few weeks.
Interest Rates and APRs

Because MoneyMutual works with a wide range of lenders, the Annual Percentage Rate (APR) you receive can vary greatly. Lenders factor in your income, credit history (if checked), and state lending limits.

Typical APR ranges may fall between 200% to 650% for short-term payday loans—although this can fluctuate.

Disclaimer: APRs and loan costs vary significantly between lenders. Always read the full terms of your offer carefully before accepting. For the most accurate and current pricing, please visit the official MoneyMutual website. Pricing is subject to change at any time.

No Hidden Fees From the Platform

Submitting a loan request through MoneyMutual is 100% free. The platform does not charge users for access or for getting matched with a lender. However, the lender you choose may charge origination fees, late fees, or other penalties based on the loan terms.

That’s why MoneyMutual emphasizes transparency: all offers must include full cost disclosures, repayment terms, and fees, so you can make an informed choice.

Borrower Protections and Opt-Out Flexibility

One of the platform’s standout features is that you’re never locked in. You can walk away from any offer at any point before signing the loan agreement. This gives borrowers the chance to pause, review, and make thoughtful decisions without pressure.

It’s also worth noting that MoneyMutual does not perform hard credit checks when you submit a request—so your credit score won’t be affected just by exploring options.

Security, Support, and Privacy

Why Trust Matters in Short-Term Lending

In an industry often criticized for shady practices and predatory behavior, Money Mutual has earned a reputation for transparency, data security, and ethical borrower support. When you’re already navigating a financial crisis, the last thing you need is to worry about whether your personal information is safe.

That’s why MoneyMutual has built its platform with a security-first infrastructure and a privacy policy that clearly outlines how your data is collected, stored, and shared.

Secure Application Technology

MoneyMutual uses bank-level encryption (SSL 256-bit) throughout its application process. When you enter your details—such as income, employment status, and banking information—they are securely transmitted and stored only as needed to complete the loan request process.

Only the matched lender receives your data for consideration. There’s no data-sharing with third parties for marketing purposes, and your personal information isn’t sold or exposed to unauthorized parties.

This level of encryption is the same standard used by major financial institutions to protect sensitive data, and it’s one of the reasons the platform has maintained consumer trust for over a decade.

Borrower Support and Accessibility

While Money Mutual is a digital-first platform, it also offers support features designed to guide borrowers through the loan process. Users can:
- Access FAQs and educational resources via the website
- Use clear navigation tools and prompts to avoid confusion during applications
- Reach out to Money Mutual’s support team via web-based inquiries for assistance with technical issues
Keep in mind that loan-specific questions (such as repayment dates or lender terms) are handled directly by the lender after an offer is accepted. However, MoneyMutual remains available to address platform-related concerns or issues with access.

Mobile Optimization for On-the-Go Access

MoneyMutual is fully mobile responsive, meaning you can securely apply for a short-term loan or review lender offers using your phone or tablet—ideal for borrowers managing emergencies while on the move.

Whether you’re at work, in transit, or at home dealing with a financial hurdle, MoneyMutual ensures that safe access to fast cash offers is never more than a few taps away.

No more loan denials! Join over 2 million users who found relief through MoneyMutual. Apply now and take control of your financial situation today.

Potential Drawbacks and Warnings

What to Know Before You Borrow

While MoneyMutual offers a convenient and fast way to access short-term loans, it’s important to recognize that not every financial solution is right for every situation. As with any loan product—especially those involving bad credit or emergency funding—there are risks and limitations to keep in mind before proceeding.

This section is designed to give you a realistic understanding of where potential issues can arise and how to navigate them responsibly.

Short-Term Loans Can Carry High Interest

Many of the lenders within MoneyMutual’s network offer payday loans or cash advances, which are typically due in full on your next payday. While this can provide fast access to funds, it also means a very short repayment window—often just 2 to 4 weeks.

If you can’t repay the loan in full by the due date, some lenders may offer rollover or renewal options—but these can trigger additional fees and increase the total cost of the loan dramatically.

Disclaimer: Short-term payday loans may carry high APRs and fees. These products are designed for emergency use only. Always read your loan terms carefully and assess your ability to repay before accepting an offer.

Loan Terms Vary by Lender

Because MoneyMutual is not a lender, it cannot guarantee loan terms, interest rates, or approval. All of these are decided solely by the third-party lender you’re matched with.

This means:
- Not everyone will qualify
- Loan terms may vary widely
- Offers may include origination or late fees based on lender policies
It’s essential to treat every loan offer with the same caution you’d apply to a contract. Don’t rush to accept simply because you need funds urgently.

Not a Long-Term Financial Strategy

Money Mutual’s platform is built for short-term relief, not long-term financial management. If you’re facing persistent debt or income challenges, a debt management plan, credit counseling, or budget restructuring may be more sustainable.

Disclaimer: Money Mutual’s services are not intended as a replacement for long-term financial planning. For ongoing financial hardship, seek guidance from certified financial advisors or nonprofit debt support programs.

Real Customer Experiences and Testimonials

What Borrowers Are Saying About Their MoneyMutual Experience

When it comes to financial services—especially those targeting consumers with bad credit—trust is built not just on features, but on real-world outcomes. While every borrowing experience is unique, hearing how others navigated the process can help you make a more informed decision.

While MoneyMutual does not host user reviews directly on its site, a scan of public forums, review aggregators, and financial blogs shows a range of authentic customer feedback, much of it centered around speed, simplicity, and access.

Common Positive Experiences

Across various review platforms, several themes continue to surface:
- Fast response times: Many borrowers report being contacted by lenders within minutes of submitting their loan request through the MoneyMutual site.
- Ease of application: Users with little or no experience in online lending highlight how intuitive and fast the form was to complete.
- Relief during emergencies: Customers share stories of how they used MoneyMutual to cover rent shortfalls, car repairs, or unexpected family needs.
- High approval odds: Even borrowers with credit scores below 600 mention receiving loan offers—something rarely experienced with banks.
One reviewer noted, “I didn’t think I would get approved anywhere, but MoneyMutual matched me with a lender who funded $600 in my account by the next day. It helped me avoid eviction.”

Another stated, “I’ve used it twice now. No one pressured me to accept anything, and I liked being able to compare lenders before making a decision.”

Things to Watch For

Some borrowers also point out areas to be cautious with:
- Loan costs vary significantly: A few reviewers mentioned being surprised by high interest rates after clicking through to lender sites.
- Lender communication quality: While MoneyMutual itself provides a smooth user experience, interactions can vary based on the lender you’re matched with.
These accounts reinforce the importance of reading all terms thoroughly and understanding the true cost of the loan before accepting.

Disclaimer: Individual results will vary. Testimonials are for illustrative purposes only and do not guarantee similar outcomes. Always review terms directly from the lender.

Your emergency doesn’t wait—and neither should you. Start your free MoneyMutual application now and connect with lenders offering fast funding!

Frequently Asked Questions

Everything You Need to Know About Using Money Mutual

If you’re exploring Money Mutual as a solution for bad credit loans or fast cash advances, these frequently asked questions address the most important concerns potential borrowers have before applying.

Can I really get a loan with bad credit through Money Mutual?

Yes. MoneyMutual specializes in helping borrowers with bad credit find short-term loan offers through a network of trusted lenders. Even if you’ve been denied elsewhere due to a low credit score, you may still qualify for a cash advance or installment loan using the platform.

Disclaimer: Approval is not guaranteed. Loan decisions are made solely by third-party lenders.

Is MoneyMutual a legitimate platform for fast loans?

Yes. MoneyMutual is a well-established online loan marketplace that has helped over 2 million users connect with lenders offering emergency loans, payday loans, and bad credit personal loans. It uses encrypted technology and complies with industry standards to protect your information.

How much money can I borrow through MoneyMutual?

Loan offers typically range from $200 to $5,000, depending on your income, location, and lender qualifications. These loans are designed for short-term financial needs like rent, car repairs, or medical bills.

Disclaimer: Final loan amounts, rates, and terms vary by lender. Always review your offer carefully.

Does applying affect my credit score?

No. When you submit a request through Money Mutual, it does not trigger a hard credit inquiry. Your credit score remains unaffected unless you accept a loan and the lender performs a check during their final approval process.

How fast will I receive the funds?

Many borrowers receive their loan funds within 24 hours, and in some cases, even on the same day. This makes MoneyMutual ideal for urgent financial situations requiring fast cash.

Are there any fees to use Money Mutual?

No. Submitting a loan request on MoneyMutual is completely free. You will never be charged to use the platform. Any fees or interest rates come from the lender directly.

What types of loans are available?

MoneyMutual helps users connect with lenders offering:
- Payday loans
- Installment loans
- Cash advances
- Emergency short-term loans
These options can help manage unexpected expenses or financial gaps between paychecks.

Is my personal information safe on the platform?

Yes. Money Mutual uses bank-level encryption to protect all sensitive data submitted through its platform. Your privacy and data security are top priorities.

Money tight? Get connected with a short-term lender now through MoneyMutual. Fast, private, and no cost to apply—get the help you need today.
- Company: MoneyMutual
- Address: 2510 E. Sunset Rd. Ste 6, #85 Las Vegas NV, 89120
- Email: customerservice@moneymutual.com
- Phone Support: 844-276-2063
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Important Service Disclosure

The operator of this website is not a lender, does not arrange, facilitate, or broker loans to lenders, and does not make short-term cash loans or credit decisions. It is not an agent, representative, arranger, facilitator, or broker of any lender, does not endorse any lender, and does not charge consumers for any service or product.

This website does not constitute an offer or solicitation to lend. This platform allows users to submit their information to a lender in order for a lender to determine whether they may be able to offer a short-term loan. However, providing information on this website does not guarantee that a lender will work with the user or that the user will be approved for a short-term loan.

Cash advances should be used solely for addressing immediate cash needs and should not be considered a long-term financial solution. Not all lenders are able to provide loans up to $5,000. Cash transfer times may vary between lenders and are subject to each borrower’s financial institution policies and procedures.

For specific details, concerns, or questions regarding any short-term loan, users should contact their lender directly. Loan services and lender availability may vary based on state laws and individual lender requirements. This service is not available in Connecticut. Additionally, this service is not available in New York or to New York borrowers due to interest rate limits imposed by New York law.

Credit checks, consumer credit reports, and other personal data may be obtained by some lenders from Experian, Equifax, TransUnion, or through alternative providers.

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The MIL Network –
May 8, 2025
MIL-OSI China: Chinese vice premier meets chairman of management committee of Abu Dhabi Investment Authority

Source: People’s Republic of China – State Council News

Chinese vice premier meets chairman of management committee of Abu Dhabi Investment Authority

Chinese Vice Premier He Lifeng, also a member of the Political Bureau of the Communist Party of China Central Committee, meets with Majed Al Romaithi, chairman of the Management Committee of the Abu Dhabi Investment Authority (ADIA) of the United Arab Emirates, in Beijing, capital of China, May 7, 2025. [Photo/Xinhua]

BEIJING, May 7 — Chinese Vice Premier He Lifeng met with Majed Al Romaithi, chairman of the Management Committee of the Abu Dhabi Investment Authority (ADIA) of the United Arab Emirates, in Beijing on Wednesday.

He, also a member of the Political Bureau of the Communist Party of China Central Committee, said that China’s economy got off to a good start this year, with solid progress in high-quality development and continued improvements in social confidence and expectations.

China is continuing to deepen its reform comprehensively, and making efforts to promote high-level opening-up in various fields such as finance, He noted, adding that China welcomes foreign financial institutions including the ADIA and long-term investors to engage in business in China and share in its development opportunities.

Majed said the ADIA is optimistic about China’s economic prospects and is looking forward to conducting cooperation and exchanges with China in different fields.

Chinese Vice Premier He Lifeng, also a member of the Political Bureau of the Communist Party of China Central Committee, meets with Majed Al Romaithi, chairman of the Management Committee of the Abu Dhabi Investment Authority (ADIA) of the United Arab Emirates, in Beijing, capital of China, May 7, 2025. [Photo/Xinhua]

MIL OSI China News –

May 8, 2025
MIL-OSI USA: Senators Coons, Curtis introduce bipartisan legislation to help small businesses bring new technologies to market

US Senate News:

Source: United States Senator for Delaware Christopher Coons
WASHINGTON – U.S. Senators Chris Coons (D-Del.) and John Curtis (R-Utah) today introduced legislation that would help innovative small businesses commercialize their technologies. The Research Advancing to Market Production (RAMP) for Innovators Act updates the SBIR/STTR programs—often called “America’s seed fund”—to turn more technological research into market-ready products.
A companion bill was also introduced today in the House by Representatives Chrissy Houlahan (D-Pa.) and Troy Balderson (R-Ohio).
“Innovative small businesses in Delaware and across the country drive our economy further, and we need to cut red tape so that it’s easier for these businesses bring their ideas to customers faster and profit off their research,” said Senator Coons. “The bipartisan RAMP for Innovators Act makes it easier for small businesses conducting government-funded research to more easily commercialize their work, ensuring these grants will strengthen our economy for years to come.”
“Utah’s small businesses are the backbone of our state’s economy, representing over 99% of all companies,” said Senator Curtis. “To sustain our economic strength and preserve Utah’s exceptional quality of life, it’s crucial that we empower these businesses to succeed. By improving programs that foster innovation and commercialization, our bipartisan legislation helps entrepreneurs develop new technologies and bring them to market—strengthening our economy and our competitiveness on the world stage.”
“As an entrepreneur myself, I know the difficulties that small businesses in our Commonwealth and country face in scaling their operations and getting their products to the shelves,” said Representative Houlahan. “Federal programs that support our small businesses need to be both more efficient and more effective in order to make the American dream a reality for small business owners. The RAMP for Innovators Act provides entrepreneurs with streamlined access to the resources, intellectual property protections, and capital they need to scale, compete, and succeed. I’m proud to lead this bipartisan, bicameral legislation to ensure that more of the amazing, innovative technologies developed by American entrepreneurs become a reality, helping our nation maintain its competitive edge.”
“America’s strength has always come from our ability to foster innovation and empower those willing to take risks,” said Representative Balderson. “The RAMP for Innovators Act ensures that our tech entrepreneurs have the tools they need to grow, compete globally, and transform bold ideas into real products, good-paying jobs, and lasting economic growth in places like Central Ohio and across the country.”
The RAMP for Innovators Act builds on the success of two competitive programs for developing small business innovation: the Small Business Innovation Research (SBIR) and the Small Business Technology Transfer (STTR) programs. Currently, federal agencies use these programs to award grants and contracts to small businesses across the country for high-tech research that helps solve Washington’s research and development needs. However, various roadblocks and administrative delays make it hard for these businesses to turn their research into commercial products. The RAMP for Innovators Act cuts red tape around the SBIR/STTR programs to help more of these innovative businesses make money off their ideas on the open market.
Specifically, the legislation would:
Streamline and accelerate the SBIR/STTR application and award process
Provide agencies a fast-track option for making awards to promising small businesses
Designate a Technology Commercialization Officer at each agency with an SBIR/STTR program
Provide awardees with robust and flexible technical assistance
Provide awardees with access to I-Corps training to help bring their technologies to market
Increase clarity on SBIR/STTR commercialization performance by requiring a metrics-based assessment
Establish a fast-track patent examination process for awardees
Senator Coons has long championed small businesses and entrepreneurs up and down Delaware and across the country. Last week, he introduced the bipartisan Made in America Manufacturing Finance Act with Senator Joni Ernst (R-Iowa) to reshape the financial landscape for small businesses.
This bill has been endorsed by the Information Technology and Innovation Foundation (ITIF), the University City Science Center, BPC Action, and the Delaware Small Business Development Center.
“ITIF supports RAMP for Innovators, the Research Advancing to Market Production for Innovators Act, which will further bolster the commercialization potential of SBIR/STTR programs through improvements such as making commercialization potential a stronger consideration in project selection, clarifying that all awardees may use a share of Phase I and II funds for commercially oriented activities, and supporting the ability of innovators to secure intellectual property rights underpinning their inventions through stronger linkages with the PTO,” said Dr. Rob Atkinson, President of ITIF.
“The University City Science Center heartily endorses the Research Advancing to Market Production for Innovators Act introduced by Senators Coons and Curtis and Representatives Houlahan and Balderson. This legislation would codify language that has already been signed into law to ensure that commercialization is central to the goals of SBIR and STTR. The RAMP for Innovators Act fulfills the mission of the 2016 SBIR/STTR recommendations from the National Advisory Council on Innovation and Entrepreneurship (NACIE) at the Department of Commerce. I was honored to serve as a member of NACIE during this time and believe these recommendations are necessary to fulfill our commercialization needs in this country,” said Tiffany Wilson, CEO of the University City Science Center.
“American innovation is the foundation upon which U.S. economic competitiveness is built. Commercializing more new technologies helps the United States strengthen its edge over our competitors and ensures taxpayers get a good return on their investment in research and development. BPC Action applauds Senators Coons and Curtis, and Representatives Houlahan and Balderson, for their bipartisan leadership in reintroducing the RAMP for Innovators Act,” said Michele Stockwell, President of BPC Action.
“Delaware SBDC is pleased to endorse the new SBIR Commercialization Bill, the Research Advancing to Market Production for Innovators Act. There are significant improvements to help entrepreneurs move innovation to commercialization,” said Mike Bowman, Director of Delaware Small Business Development Center.
Senators Coons and Curtis are members of the Senate Small Business and Entrepreneurship Committee.
You can read the one-pager here.
You can read the full text of the bill here.

MIL OSI USA News –

May 8, 2025

MIL-OSI: Enerflex Ltd. Announces Voting Results of The Annual Meeting of Shareholders

Source: GlobeNewswire (MIL-OSI)

CALGARY, Alberta, May 07, 2025 (GLOBE NEWSWIRE) — Enerflex Ltd. (TSX: EFX) (NYSE: EFXT) (“Enerflex” or the “Company”), announces that at its Annual Meeting of Shareholders (the “Meeting”) held virtually on May 7, 2025, Enerflex’s shareholders approved the election of all 8 nominee directors presented in the Company’s Management Information Circular dated March 21, 2025. The shares represented at the Meeting voting on individual nominee directors were as follows:


	Approval		Against
Director	Votes For	Percentage	Votes Against	Percentage
Fernando R. Assing	88,086,739	96.24%	3,444,156	3.76%
Benjamin Cherniavsky	88,013,957	96.16%	3,516,938	3.84%
Joanne Cox	83,911,502	91.68%	7,619,393	8.32%
James C. Gouin	83,037,269	90.72%	8,493,626	9.28%
Mona Hale	88,091,517	96.24%	3,439,378	3.76%
Kevin J. Reinhart	79,599,459	86.96%	11,931,436	13.04%
Thomas B. Tyree, Jr.	74,636,089	81.54%	16,894,806	18.46%
Juan Carlos Villegas	79,933,294	87.33%	11,597,601	12.67%

Enerflex’s non-binding advisory vote on executive compensation (“Say-on-Pay”) was approved with 91.59% (83,831,845 common shares) of the shares represented at the Meeting voting in favour of the resolution.

ABOUT ENERFLEX

Enerflex is a premier integrated global provider of energy infrastructure and energy transition solutions, deploying natural gas, low-carbon, and treated water solutions – from individual, modularized products and services to integrated custom solutions. With over 4,600 engineers, manufacturers, technicians, and innovators, Enerflex is bound together by a shared vision: Transforming Energy for a Sustainable Future. The Company remains committed to the future of natural gas and the critical role it plays, while focused on sustainability offerings to support the energy transition and growing decarbonization efforts.

Enerflex’s common shares trade on the Toronto Stock Exchange under the symbol “EFX” and on the New York Stock Exchange under the symbol “EFXT”. For more information about Enerflex, visit www.enerflex.com.

For investor and media enquiries, please contact the Company by email to chair@enerflex.com or ir@enerflex.com.

The MIL Network –

May 8, 2025

MIL-OSI USA: News 05/7/2025 Blackburn, Welch Introduce Bill to Safeguard Rideshare Passengers’ Privacy

US Senate News:

Source: United States Senator Marsha Blackburn (R-Tenn)
WASHINGTON, D.C. – Today, U.S. Senators Marsha Blackburn (R-Tenn.) and Peter Welch (D-Vt.) introduced the Safe and Private Rides Act, which would require transportation network companies (TNCs) to notify passengers when their driver has a video recording device in the car and give passengers the opportunity to opt out of riding with a driver with a dashcam, preventing rideshare drivers from violating passengers’ privacy:
“Passengers shouldn’t have to sacrifice their right to privacy the moment they step into a rideshare vehicle, and they deserve to know when they are being recorded,” said Senator Blackburn. “The Safe and Private Rides Act would increase transparency and ensure that both driver safety and passenger privacy are protected as more Americans take advantage of these services.”
“Millions of people around the country rely on rideshare services for transportation every day, whether it’s to the doctor, work, or the airport. Folks using rideshare services deserve to have peace of mind about their digital privacy during a ride, which includes knowing if they will be filmed before calling a ride,” said Senator Welch. “Our bipartisan Safe and Private Rides Act gives passengers using rideshare services straightforward privacy protections by allowing the option to opt out of a rideshare using video recording devices that record passengers.”
BACKGROUND
Americans are increasingly using rideshare services as a form of transportation, and U.S. ridesharing profits are expected to generate $54 billion annually by 2027.
In many American cities, rideshare drivers have expressed feeling uncomfortable and unsafe while driving and have turned to technology and dashcams to add a layer of safety. These dashcams, while beneficial for the driver, could present privacy concerns for passengers. In the past, some rideshare drivers have recorded their passengers and subsequently released the footage online, in a blatant violation of privacy. Passengers should ultimately have a right to know that they are being recorded and to opt out of riding in cars that utilize recording devices if they so choose.
Rideshare companies have become a source of convenience and accessibility, and they are an example of American innovation. As they grow, their drivers should be able to use technology to protect themselves, and passengers should be able to make decisions to preserve their privacy.
THE SAFE AND PRIVATE RIDES ACT
The Safe and Private Rides Act would increase transparency by giving passengers choice while preserving the driver’s safety.
Specifically, the Safe and Private Rides Act would:
Require TNCs to notify passengers when their driver has a video recording device in the car;
Require TNCs to give passengers the opportunity to opt out of riding with a driver with a recording device in the car; and
Grant the Federal Trade Commission the authority to enforce these transparency requirements.
Click here for bill text.

MIL OSI USA News –

May 8, 2025
MIL-OSI: FSI ANNOUNCES TEN CENT SPECIAL DIVIDEND

Source: GlobeNewswire (MIL-OSI)

TABER, ALBERTA, May 07, 2025 (GLOBE NEWSWIRE) — FLEXIBLE SOLUTIONS INTERNATIONAL, INC. (NYSE-AMERICAN: FSI), is the developer and manufacturer of biodegradable polymers for oil extraction, detergent ingredients and water treatment as well as crop nutrient availability chemistry. Flexible Solutions also manufactures biodegradable and environmentally safe water and energy conservation technologies. In addition, FSI is increasing its presense in the food and nutrition supplement manufacturing markets. Today the Company announces a ten-cent special dividend.

The dividend will be paid May 28^th to shareholders of record on May 19^th

Mr. Dan O’Brien, CEO, states, “We are pleased that our current financial condition and expectations of continued profitability allows us to dividend profits to shareholders at this time. However, this is a special dividend; not a regular dividend.” Mr. O’Brien continues, “The FSI Board and management will continue to monitor retained earnings and capital needs in order to execute the goals of growing the Company and declaring dividends when appropriate.”

About Flexible Solutions International
Flexible Solutions International, Inc. (www.flexiblesolutions.com), based in Victoria, British Columbia, is an environmental technology company. The Company’s NanoChem Solutions Inc. subsidiary specializes in biodegradable, water-soluble products utilizing thermal polyaspartate (TPA) biopolymers. TPA beta-proteins are manufactured from the common biological amino acid, L-aspartic and have wide usage including scale inhibitors, detergent ingredients, water treatment and crop enhancement. Along with TPA, this division started producing other crop enhancement products as well. In 2022, the Company entered the food and nutrition markets by obtaining FDA and SQF food grade approval for the Peru IL plant. The other divisions manufacture energy and water conservation products for drinking water, agriculture, industrial markets and swimming pools throughout the world

Safe Harbor Provision
The Private Securities Litigation Reform Act of 1995 provides a “Safe Harbor” for forward-looking statements. Certain of the statements contained herein, which are not historical facts, are forward looking statement with respect to events, the occurrence of which involve risks and uncertainties. These forward-looking statements may be impacted, either positively or negatively, by various factors. Information concerning potential factors that could affect the company is detailed from time to time in the company’s reports filed with the Securities and Exchange Commission.

Flexible Solutions International
6001 54^thAve, Taber, Alberta, CANADA T1G 1X4

Company Contacts
Jason Bloom
Toll Free: 800.661.3560
Fax: 403.223.2905
Email: info@flexiblesolutions.com

To find out more information about Flexible Solutions and our products please visit www.flexiblesolutions.com

If you have received this news release by mistake or if you would like to be removed from our update list please reply to: info@flexiblesolutions.com

The MIL Network –

May 8, 2025
MIL-OSI: LNG Energy Group Announces Application for Management Cease Trade Order

Source: GlobeNewswire (MIL-OSI)

TORONTO, May 07, 2025 (GLOBE NEWSWIRE) — LNG Energy Group Corp. (TSXV: LNGE) (TSXV: LNGE.WT) (OTCQB: LNGNF) (FWB: E26) (the “Company” or “LNG Energy Group”) announces that there will be a delay in filing its annual financial statements, management’s discussion and analysis, related officer certifications for the financial year ended December 31, 2024, and Form 51-101F1, Form 51-101F2 and Form 51-101F3, as required by National Instrument 51-101 – Standards of Disclosure for Oil and Gas Activities (collectively, the “Required Filings”), which are required to be filed on or before April 30, 2025 (the “Filing Deadline”). The delay in filing the Required Filings is primarily a result of delays caused in getting its local operational audit completed, combined with recent departures of key Company personnel. The Company is continuing to work with its Canadian auditors to complete the Required Filings as soon as possible and expects to file them within two months of the Filing Deadline.

In connection with the delay in filing, the Company has applied to the applicable Canadian securities regulators for the issuance of a management cease trade order which would restrict all trading in securities of the Company by the Company’s Chief Executive Officer and Chief Financial Officer.

The Company intends to satisfy the provisions of the alternative information guidelines set out in sections 9 and 10 of National Policy 12-203 – Management Cease Trade Orders so long as the Required Filings remain outstanding. The Company confirms as of the date of this news release that there is no insolvency proceeding against it and there is no other material information concerning the affairs of the Company that has not been generally disclosed.

About LNG Energy Group

The Company is focused on the acquisition and development of natural gas production and exploration assets in Latin America. For more information, please visit www.lngenergygroup.com.

For more information please contact:

Angel Roa, Chief Financial Officer LNG Energy Group Corp.
Website: www.lngenergygroup.com
Email: investor.relations@lngenergygroup.com

Find us on social media:
LinkedIn: https://www.linkedin.com/company/lng-energy-group-inc/ Instagram: @lngenergygroup
X: @LNGEnergyCorp

CAUTIONARY NOTE REGARDING FORWARD-LOOKING INFORMATION:

This news release contains certain forward-looking information that reflect the current views and/or expectations of management of LNG Energy Group with respect to performance, business and future events. Forward-looking information can often be identified by words such as “may”, “will”, “would”, “could”, “should”, “believes”, “estimates”, “projects”, “potential”, “expects”, “plans”, “intends”, “anticipates”, “targeted”, “continues”, “forecasts”, “designed”, “goal”, or the negative of those words or other similar or comparable words. Forward-looking statements are based on the then-current expectations, beliefs, assumptions, estimates and forecasts about the business and the industry and markets in which LNG Energy Group operates. Forward-looking information involves known and unknown risks, uncertainties and other factors that may cause actual results to differ materially from those expressed or implied in the forward-looking information, readers should not place undue reliance on such information. The risks and uncertainties include, but are not limited to, whether LNG Energy Group will be able to obtain regulatory approval for the management cease trade order and the anticipating timing of filing the Required Filings. Forward-looking information is current as of the date it is made and is based on reasonable estimates and assumptions made by us at the relevant time in light of our experience and perception of historical trends, current conditions and expected future developments, as well as other factors that we believe are appropriate and reasonable in the circumstances. LNG Energy Group does not undertake any obligation to release publicly any revisions for updating any voluntary forward-looking statements, except as required by applicable securities law.

Neither the TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in the policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release.

The MIL Network –

May 8, 2025

MIL-OSI: Athabasca Oil Announces 2025 First Quarter Results Highlighted by 63% Growth in Funds Flow Per Share and Strong Operational Execution Driving a Robust Return of Capital Program

Source: GlobeNewswire (MIL-OSI)

CALGARY, Alberta, May 07, 2025 (GLOBE NEWSWIRE) — Athabasca Oil Corporation (TSX: ATH) (“Athabasca” or the “Company”) is pleased to report its first quarter results highlighted by strong operational execution driving robust return of capital with the full completion of its second annual share buyback program. The Company is in an enviable position to weather market volatility with low corporate break-evens, long-life assets and a pristine balance sheet.

Q1 2025 Consolidated Corporate Results

Production: Average production of 37,714 boe/d (98% Liquids), representing 13% (24% per share) growth year over year.
Cash Flow: Adjusted Funds Flow of $130 million ($0.25 per share), representing 63% per share growth year over year. Cash Flow from Operating Activities of $123 million. Free Cash Flow of $71 million from Athabasca (Thermal Oil).
Capital Program: $63 million total capital expenditures, with $44 million at Leismer as the Company advances the 40,000 bbl/d progressive growth project.

Operations Highlights

Leismer: Production of ~28,000 bbl/d (April 2025) following the start-up of six redrills in the first quarter. Four additional new well pairs will be brought on stream in H2 2025 to maintain production rates at facility capacity.
Hangingstone: Production has increased to ~8,900 bbl/d (April 2025) following the start-up of two well pairs. The project continues to deliver meaningful free cash flow generation for the Company.
Duvernay Energy: Two multi-well pads (seven gross wells) are slated to be completed post break-up and will continue operational momentum in the Kaybob Duvernay play. Capital is trending ~$10 million lower than the 2025 budget at an estimated ~$75 million.

Resilient Producer in a Shifting Global Landscape

Macro Volatility: Global oil benchmarks have softened in recent months in response to an accelerated OPEC+ supply outlook and evolving U.S. trade policy. Athabasca is uniquely positioned to withstand market volatility and its production is USMCA compliant and exempt from U.S. tariffs.
Pristine Balance Sheet & Tax Free Horizon: Athabasca has a Net Cash position of $115 million, strong Liquidity of $438 million (including $305 million cash) and a long dated maturity of 2029 on its term debt. The Company has $2.2 billion of tax pools (~80% high-value and immediately deductible).
Low Decline, Long Life Assets: Athabasca is uniquely positioned with a low base corporate decline and the Company expects to maintain Thermal Oil production in 2025 following recent capital projects. Athabasca has a deep inventory across its portfolio including 1,209 MMbbl of Proved plus Probable Thermal Oil reserves and ~444 gross future drilling locations within Duvernay Energy.
Low Break-evens: Long-life, low decline assets afford Athabasca with a sustaining capital advantage. The Company’s 2025 Thermal Oil operating break-even is estimated at ~US$32/bbl WTI and the capital program which includes growth initiatives is fully funded within cash flow down to ~US$48/bbl WTI for the balance of the year. The Company estimates long term sustaining capital investment of ~C$8/bbl (five‐year annual average) to hold production flat.
Flexible Capital: The Thermal Oil capital projects are flexible, highly economic and have optionality to be recalibrated based on the macroeconomic environment. Duvernay Energy retains significant flexibility on the pace of its operations and is positioned with an independent balance sheet and no near-term land expiries.
Sound Heavy Oil Fundamentals: The outlook for Canadian heavy oil remains strong supported by the Trans Mountain Expansion pipeline start-up in May 2024 and sustained global refining demand. This has resulted in tighter and less volatile WCS heavy differentials with spot markets currently trading at ~US$9/bbl. Athabasca is a direct beneficiary of structurally tighter differentials that are forecasted to hold in the coming years.

Durable Shareholder Returns

Full Execution of Second Normal Course Issuer Bid (“NCIB”): On March 17, the Company fully completed its second annual NCIB, returning $289 million to shareholders and purchasing and cancelling 55 million shares.
Continued 100% of Free Cash Flow (Thermal Oil) Return to Shareholders through Buybacks in 2025: The Company renewed its third annual NCIB with capacity to repurchase up to 50 million shares. The Company has completed $94 million in share buybacks year to date. Athabasca has reduced its fully diluted share count by ~20% since March 31, 2023.
Durable Shareholder Returns: The Company’s capital allocation framework will continue to balance near-term return of capital initiatives for shareholders with a multi-year growth trajectory of cash flow per share. The Company sees significant intrinsic value not reflected in the current share price and intends to remain active with its share buyback strategy.

Strategic Update and Corporate Guidance

Athabasca (Thermal Oil): The Thermal Oil division underpins the Company’s strong Free Cash Flow outlook, with production guidance of 33,500 – 35,500 bbl/d and a ~$250 million capital budget. Athabasca has differentiated and significant unrecovered capital balances on its Thermal Oil Assets that ensure a low Crown royalty framework (~7%¹). Leismer is forecasted to remain pre-payout until late 2027¹ (and beyond with incremental project capital) while Hangingstone is forecasted to remain pre-payout beyond 2030¹.
Consolidated Production Outlook: Athabasca’s consolidated annual production guidance is 37,500 – 39,500 boe/d. Current production is ~40,000 boe/d and with current capital plans the Company is expecting to be at the upper end of guidance and anticipates exiting the year at ~41,000 boe/d.
Leismer Progressive Growth: The 2025 program at Leismer includes the tie-in of six redrills and four new well pairs on Pad 10 along with continued pad and facility expansion work for the progressive expansion to 40,000 bbl/d. This expansion project is highly economic (~$25,000/bbl/d capital efficiency) and provides flexibility with interim growth targets to ~32,000 bbl/d and ~35,000 bbl/d before achieving the regulatory approved 40,000 bbl/d capacity.
Duvernay Energy Corporation: The 2025 capital program of ~$75 million will continue production momentum in H2 2025 with an exit target of ~6,000 boe/d. Capital activity includes the completion of a 100% working interest (“WI”) three-well pad that was drilled in 2024, the drilling and completion of a 30% WI four-well pad (spud in Q1 2025) and the construction of a gathering system on operated lands. The capital program in Duvernay Energy Corporation is flexible and designed to be self-funded. The Company has a deep inventory of ~444 gross future drilling locations.
Free Cash Flow Focus: The Company forecasts consolidated Adjusted Funds Flow between $525 – $550 million¹, including $475 – $500 million from its Thermal Oil assets. Every +US$1/bbl move in West Texas Intermediate (“WTI”) and Western Canadian Select (“WCS”) heavy oil impacts annual Adjusted Funds Flow by ~$10 million and ~$17 million, respectively. The 2025 Thermal Oil capital program, including growth initiatives, is fully funded within cash flow down to ~US$48 WTI for the balance of the year. Duvernay Energy is independently funded through its balance sheet and cash flow.
Capital Allocation Discipline: Athabasca has demonstrated its business resiliency and prudent management through past commodity cycles. The Company is nimble with respect to its operating plans and has levers available to adjust to a volatile macro environment. Preserving a pristine balance sheet is paramount to the strategy.
Steadfast Focus on Cash Flow Per Share Growth: The Company forecasts ~20% compounded annual cash flow per share¹ growth between 2025 – 2029 driven by investing in attractive capital projects and prioritizing share buybacks with free cash flow.

Footnote: Refer to the “Reader Advisory” section within this news release for additional information on Non‐GAAP Financial Measures (e.g. Adjusted Funds Flow, Free Cash Flow, Net Cash, Liquidity) and production disclosure.

¹2025 pricing assumptions: US$70 WTI, US$12.50 WCS heavy differential, C$2 AECO, and 0.725 C$/US$ FX.

Annual Shareholders Meeting

Athabasca will be hosting its Annual General Meeting of Shareholders (“Meeting”) on Thursday, May 8, 2025 at 8:00 am (MT). The Meeting will be hosted virtually and shareholders and guests can listen via live webcast with details available at:

https://www.atha.com/investors/presentation-events.html

Financial and Operational Highlights

	Three months ended March 31,
($ Thousands, unless otherwise noted)	2025			2024
CORPORATE CONSOLIDATED⁽¹⁾
Petroleum and natural gas production (boe/d)⁽²⁾		37,714			33,470
Petroleum, natural gas and midstream sales	$	367,844		$	311,116
Operating Income⁽²⁾	$	145,590		$	105,135
Operating Income Net of Realized Hedging⁽²⁾⁽³⁾	$	143,947		$	106,580
Operating Netback ($/boe)⁽²⁾	$	44.07		$	35.78
Operating Netback Net of Realized Hedging ($/boe)⁽²⁾⁽³⁾	$	43.57		$	36.27
Capital expenditures	$	63,333		$	76,011
Cash flow from operating activities	$	123,353		$	76,638
per share – basic	$	0.24		$	0.14
Adjusted Funds Flow⁽²⁾	$	129,675		$	87,772
per share – basic	$	0.25		$	0.15
ATHABASCA (THERMAL OIL)
Bitumen production (bbl/d)⁽²⁾		34,742			31,536
Petroleum, natural gas and midstream sales	$	362,375		$	305,041
Operating Income⁽²⁾	$	135,316		$	100,449
Operating Netback ($/bbl)⁽²⁾	$	44.56		$	36.36
Capital expenditures	$	50,376		$	42,119
Adjusted Funds Flow⁽²⁾	$	121,353		$	83,713
Free Cash Flow⁽²⁾	$	70,977		$	41,594
DUVERNAY ENERGY⁽¹⁾
Petroleum and natural gas production (boe/d)⁽²⁾		2,972			1,934
Percentage Liquids (%)⁽²⁾	73		%	72		%
Petroleum, natural gas and midstream sales	$	17,619		$	11,538
Operating Income⁽²⁾	$	10,274		$	4,686
Operating Netback ($/boe)⁽²⁾	$	38.42		$	26.63
Capital expenditures	$	12,957		$	33,892
Adjusted Funds Flow⁽²⁾	$	8,322		$	4,059
Free Cash Flow⁽²⁾	$	(4,635	)	$	(29,833	)
NET INCOME AND COMPREHENSIVE INCOME
Net income and comprehensive income⁽⁴⁾	$	72,004		$	38,609
per share – basic⁽⁴⁾	$	0.14		$	0.07
per share – diluted⁽⁴⁾	$	0.14		$	0.07
COMMON SHARES OUTSTANDING
Weighted average shares outstanding – basic		514,257,036			567,076,940
Weighted average shares outstanding – diluted		519,227,432			577,106,504

	March 31,		December 31,
As at ($ Thousands)	2025		2024
LIQUIDITY AND BALANCE SHEET (CONSOLIDATED)
Cash and cash equivalents	$	304,538	$	344,836
Available credit facilities⁽⁵⁾	$	133,074	$	136,324
Face value of term debt	$	200,000	$	200,000

^{(1) Corporate Consolidated and Duvernay Energy reflect gross production and financial metrics before taking into consideration Athabasca’s 70% equity interest in Duvernay Energy.}
^{(2) Refer to the “Advisories and Other Guidance” section within this News Release for additional information on Non-GAAP Financial Measures and production disclosure.}
^{(3) Includes realized commodity risk management loss of $1.6 million for the three months ended March 31, 2025 (three months ended March 31, 2024 – gain of $1.4 million).}
^{(4) Net income and comprehensive income per share amounts are based on net income and comprehensive income attributable to shareholders of the Parent Company.}
^{(5) Includes available credit under Athabasca’s and Duvernay Energy’s Credit Facilities and Athabasca’s Unsecured Letter of Credit Facility.}

Athabasca (Thermal Oil) Q1 2025 Highlights and Operations Update

Production: First quarter production of 34,742 bbl/d (27,025 bbl/d at Leismer & 7,717 bbl/d at Hangingstone).
Cash Flow: Adjusted Funds Flow of $121.4 million; Operating Income of $135.3 million with an Operating Netback of $44.56/bbl ($46.24/bbl at Leismer & $38.43/bbl at Hangingstone).
Capital Program: $50.4 million of capital expenditures in Q1, with $43.7 million at Leismer as the Company advances the 40,000 bbl/d progressive growth project.
Free Cash Flow: $71.0 million of Free Cash Flow supporting 100% return of capital commitment.

Leismer

In Q1 2025, the Company brought six extended redrills on Pad L1 (1,000 – 1,700 meter laterals) on production supporting current production of ~28,000 bbl/d (April 2025). The redrills target bypass pay on legacy pads with initial production rates between 400 – 1,000 bbl/d per well. In 2024, the Company drilled an additional four well pairs on Pad L10 that will maintain production rates at facility capacity for the balance of 2025. Another six well pairs will be drilled in H2 2025.

Activity at Leismer remains focused on advancing progressive growth to 40,000 bbl/d by the end of 2027. The project cost is estimated at $300 million generating a capital efficiency of approximately $25,000/bbl/d. The $300 million will be spent between 2025 and 2027 and includes an estimated $190 million for facility capital and an estimated $110 million for growth wells. The project remains on budget and on schedule with the original sanction plans announced in July 2024. The progressive build provides flexibility with interim growth targets to ~32,000 bbl/d and ~35,000 bbl/d before achieving the regulatory approved 40,000 bbl/d capacity. This winter the Company completed regional infrastructure to Pad L10 and L11 including lease site construction, delineation drilling and pipeline looping. The project scope includes the installation of two new steam generators that were countercyclically acquired during a prior commodity down cycle.

Leismer is forecasted to remain pre-payout from a crown royalty perspective until late 2027¹.

Hangingstone

At Hangingstone two extended reach sustaining well pairs (~1,400 meter average laterals) drilled in 2024 were placed on production in March supporting current production of ~8,900 bbl/d (April 2025). These are the first wells drilled at the project since 2015. The new well pairs have ramped up faster than anticipated, benefiting from favorable reservoir temperatures and pressure supported by offsetting wells. Early performance has exceeded expectations with initial production rates of 800 – 1,000 bbl/d per well.

Hangingstone continues to deliver meaningful cash flow contributions to the Company and also has a pre-payout crown royalty structure beyond 2030¹.

Duvernay Energy Corporation Q1 2025 Highlights and Operations Update

Production: First quarter production of 2,972 boe/d (73% Liquids).
Cash Flow: Adjusted Funds Flow of $8.3 million with an Operating Netback of $38.42/boe.
Capital Program: $13.0 million of capital expenditures included spudding a 30% WI four-well pad and constructing a strategic gathering system.

Q1 activity included spudding a four well pad (30% working interest) with average laterals of ~5,000 meters and construction of strategic gathering system connecting its newly operated assets with the Company’s existing operated infrastructure on the joint venture acreage. Completion operations will be phased through the balance of the year with the four well pad (30% WI) expected to be completed in Q3 and three well pad (100% WI) in early Fall. The Company expects to exit the year at ~6,000 boe/d.

Production from wells drilled in 2024 continue to validate DEC’s type curve expectations. The five wells placed on production have averaged IP30’s of ~1,200 boe/d per well (86% Liquids) and IP90s of ~940 boe/d (86% Liquids) per well.

2025 capital is trending ~$10 million lower than original budget and is estimated at ~$75 million, reflecting disciplined execution. Duvernay Energy retains significant operational flexibility with no near-term land expiries and the ability to adjust spending in response to commodity price movements.

About Athabasca Oil Corporation

Athabasca Oil Corporation is a Canadian energy company with a focused strategy on the development of thermal and light oil assets. Situated in Alberta’s Western Canadian Sedimentary Basin, the Company has amassed a significant land base of extensive, high quality resources. Athabasca’s light oil assets are held in a private subsidiary (Duvernay Energy Corporation) in which Athabasca owns a 70% equity interest. Athabasca’s common shares trade on the TSX under the symbol “ATH”. For more information, visit www.atha.com.

For more information, please contact:
Matthew Taylor		Robert Broen
Chief Financial Officer		President and CEO
1-403-817-9104		1-403-817-9190
mtaylor@atha.com		rbroen@atha.com

Reader Advisory:

This News Release contains forward-looking information that involves various risks, uncertainties and other factors. All information other than statements of historical fact is forward-looking information. The use of any of the words “anticipate”, “plan”, “project”, “continue”, “maintain”, “may”, “estimate”, “expect”, “will”, “target”, “forecast”, “could”, “intend”, “potential”, “guidance”, “outlook” and similar expressions suggesting future outcome are intended to identify forward-looking information. The forward-looking information is not historical fact, but rather is based on the Company’s current plans, objectives, goals, strategies, estimates, assumptions and projections about the Company’s industry, business and future operating and financial results. This information involves known and unknown risks, uncertainties and other factors that may cause actual results or events to differ materially from those anticipated in such forward-looking information. No assurance can be given that these expectations will prove to be correct and such forward-looking information included in this News Release should not be unduly relied upon. This information speaks only as of the date of this News Release. In particular, this News Release contains forward-looking information pertaining to, but not limited to, the following: our strategic plans; the allocation of future capital; timing and quantum for shareholder returns including share buybacks; the terms of our NCIB program; our drilling plans and capital efficiencies; production growth to expected production rates and estimated sustaining capital amounts; timing of Leismer’s and Hangingstone’s pre-payout royalty status; applicability of tax pools; exemption from U.S. tariffs; Adjusted Funds Flow and Free Cash Flow over various periods; type well economic metrics; number of drilling locations; forecasted daily production and the composition of production; break-even metrics, our outlook in respect of the Company’s business environment, including in respect of commodity pricing; and other matters.

In addition, information and statements in this News Release relating to “Reserves” and “Resources” are deemed to be forward-looking information, as they involve the implied assessment, based on certain estimates and assumptions, that the reserves and resources described exist in the quantities predicted or estimated, and that the reserves and resources described can be profitably produced in the future. With respect to forward-looking information contained in this News Release, assumptions have been made regarding, among other things: commodity prices; the regulatory framework governing royalties, taxes and environmental matters in the jurisdictions in which the Company conducts and will conduct business and the effects that such regulatory framework will have on the Company, including on the Company’s financial condition and results of operations; the Company’s financial and operational flexibility; the Company’s financial sustainability; Athabasca’s cash flow break-even commodity price; the Company’s ability to obtain qualified staff and equipment in a timely and cost-efficient manner; the applicability of technologies for the recovery and production of the Company’s reserves and resources; future capital expenditures to be made by the Company; future sources of funding for the Company’s capital programs; the Company’s future debt levels; future production levels; the Company’s ability to obtain financing and/or enter into joint venture arrangements, on acceptable terms; operating costs; compliance of counterparties with the terms of contractual arrangements; impact of increasing competition globally; collection risk of outstanding accounts receivable from third parties; geological and engineering estimates in respect of the Company’s reserves and resources; recoverability of reserves and resources; the geography of the areas in which the Company is conducting exploration and development activities and the quality of its assets. Certain other assumptions related to the Company’s Reserves and Resources are contained in the report of McDaniel & Associates Consultants Ltd. (“McDaniel”) evaluating Athabasca’s Proved Reserves, Probable Reserves and Contingent Resources as at December 31, 2024 (which is respectively referred to herein as the “McDaniel Report”).

Actual results could differ materially from those anticipated in this forward-looking information as a result of the risk factors set forth in the Company’s Annual Information Form (“AIF”) dated March 5, 2025 available on SEDAR at www.sedarplus.ca, including, but not limited to: weakness in the oil and gas industry; exploration, development and production risks; prices, markets and marketing; market conditions; trade relations and tariffs; climate change and carbon pricing risk; statutes and regulations regarding the environment including deceptive marketing provisions; regulatory environment and changes in applicable law; gathering and processing facilities, pipeline systems and rail; reputation and public perception of the oil and gas sector; environment, social and governance goals; political uncertainty; state of capital markets; ability to finance capital requirements; access to capital and insurance; abandonment and reclamation costs; changing demand for oil and natural gas products; anticipated benefits of acquisitions and dispositions; royalty regimes; foreign exchange rates and interest rates; reserves; hedging; operational dependence; operating costs; project risks; supply chain disruption; financial assurances; diluent supply; third party credit risk; indigenous claims; reliance on key personnel and operators; income tax; cybersecurity; advanced technologies; hydraulic fracturing; liability management; seasonality and weather conditions; unexpected events; internal controls; limitations and insurance; litigation; natural gas overlying bitumen resources; competition; chain of title and expiration of licenses and leases; breaches of confidentiality; new industry related activities or new geographical areas; water use restrictions and/or limited access to water; relationship with Duvernay Energy Corporation; management estimates and assumptions; third-party claims; conflicts of interest; inflation and cost management; credit ratings; growth management; impact of pandemics; ability of investors resident in the United States to enforce civil remedies in Canada; and risks related to our debt and securities. All subsequent forward-looking information, whether written or oral, attributable to the Company or persons acting on its behalf are expressly qualified in their entirety by these cautionary statements.

Also included in this News Release are estimates of Athabasca’s 2025 outlook which are based on the various assumptions as to production levels, commodity prices, currency exchange rates and other assumptions disclosed in this News Release. To the extent any such estimate constitutes a financial outlook, it was approved by management and the Board of Directors of Athabasca and is included to provide readers with an understanding of the Company’s outlook. Management does not have firm commitments for all of the costs, expenditures, prices or other financial assumptions used to prepare the financial outlook or assurance that such operating results will be achieved and, accordingly, the complete financial effects of all of those costs, expenditures, prices and operating results are not objectively determinable. The actual results of operations of the Company and the resulting financial results may vary from the amounts set forth herein, and such variations may be material. The outlook and forward-looking information contained in this New Release was made as of the date of this News release and the Company disclaims any intention or obligations to update or revise such outlook and/or forward-looking information, whether as a result of new information, future events or otherwise, unless required pursuant to applicable law.

Oil and Gas Information

“BOEs” may be misleading, particularly if used in isolation. A BOE conversion ratio of six thousand cubic feet of natural gas to one barrel of oil equivalent (6 Mcf: 1 bbl) is based on an energy equivalency conversion method primarily applicable at the burner tip and does not represent a value equivalency at the wellhead. As the value ratio between natural gas and crude oil based on the current prices of natural gas and crude oil is significantly different from the energy equivalency of 6:1, utilizing a conversion on a 6:1 basis may be misleading as an indication of value.

Initial Production Rates

Test Results and Initial Production Rates: The well test results and initial production rates provided herein should be considered to be preliminary, except as otherwise indicated. Test results and initial production rates disclosed herein may not necessarily be indicative of long-term performance or of ultimate recovery.

Reserves Information

The McDaniel Report was prepared using the assumptions and methodology guidelines outlined in the COGE Handbook and in accordance with National Instrument 51-101 Standards of Disclosure for Oil and Gas Activities, effective December 31, 2024. There are numerous uncertainties inherent in estimating quantities of bitumen, light crude oil and medium crude oil, tight oil, conventional natural gas, shale gas and natural gas liquids reserves and the future cash flows attributed to such reserves. The reserve and associated cash flow information set forth above are estimates only. In general, estimates of economically recoverable reserves and the future net cash flows therefrom are based upon a number of variable factors and assumptions, such as historical production from the properties, production rates, ultimate reserve recovery, timing and amount of capital expenditures, marketability of oil and natural gas, royalty rates, the assumed effects of regulation by governmental agencies and future operating costs, all of which may vary materially. For those reasons, estimates of the economically recoverable reserves attributable to any particular group of properties, classification of such reserves based on risk of recovery and estimates of future net revenues associated with reserves prepared by different engineers, or by the same engineers at different times, may vary. The Company’s actual production, revenues, taxes and development and operating expenditures with respect to its reserves will vary from estimates thereof and such variations could be material. Reserves figures described herein have been rounded to the nearest MMbbl or MMboe. For additional information regarding the consolidated reserves and information concerning the resources of the Company as evaluated by McDaniel in the McDaniel Report, please refer to the Company’s AIF.

Reserve Values (i.e. Net Asset Value) is calculated using the estimated net present value of all future net revenue from our reserves, before income taxes discounted at 10%, as estimated by McDaniel effective December 31, 2024 and based on average pricing of McDaniel, Sproule and GLJ as of January 1, 2025.

The 444 gross Duvernay drilling locations referenced include: 87 proved undeveloped locations and 85 probable undeveloped locations for a total of 172 booked locations with the balance being unbooked locations. Proved undeveloped locations and probable undeveloped locations are booked and derived from the Company’s most recent independent reserves evaluation as prepared by McDaniel as of December 31, 2024 and account for drilling locations that have associated proved and/or probable reserves, as applicable. Unbooked locations are internal management estimates. Unbooked locations do not have attributed reserves or resources (including contingent or prospective). Unbooked locations have been identified by management as an estimation of Athabasca’s multi-year drilling activities expected to occur over the next two decades based on evaluation of applicable geologic, seismic, engineering, production and reserves information. There is no certainty that the Company will drill all unbooked drilling locations and if drilled there is no certainty that such locations will result in additional oil and gas reserves, resources or production. The drilling locations on which the Company will actually drill wells, including the number and timing thereof is ultimately dependent upon the availability of funding, commodity prices, provincial fiscal and royalty policies, costs, actual drilling results, additional reservoir information that is obtained and other factors.

Non-GAAP and Other Financial Measures, and Production Disclosure

The “Corporate Consolidated Adjusted Funds Flow”, “Corporate Consolidated Adjusted Funds Flow per Share”, “Athabasca (Thermal Oil) Adjusted Funds Flow”, “Duvernay Energy Adjusted Funds Flow”, “Corporate Consolidated Free Cash Flow”, “Athabasca (Thermal Oil) Free Cash Flow”, “Duvernay Energy Free Cash Flow”, “Corporate Consolidated Operating Income”, “Corporate Consolidated Operating Income Net of Realized Hedging”, “Athabasca (Thermal Oil) Operating Income”, “Duvernay Energy Operating Income”, “Corporate Consolidated Operating Netback”, “Corporate Consolidated Operating Netback Net of Realized Hedging”, “Athabasca (Thermal Oil) Operating Netback”, “Duvernay Energy Operating Netback” and “Cash Transportation and Marketing Expense” financial measures contained in this News Release do not have standardized meanings which are prescribed by IFRS and they are considered to be non-GAAP financial measures or ratios. These measures may not be comparable to similar measures presented by other issuers and should not be considered in isolation with measures that are prepared in accordance with IFRS. Net Cash and Liquidity are supplementary financial measures. The Leismer and Hangingstone operating results are supplementary financial measures that when aggregated, combine to the Athabasca (Thermal Oil) segment results.

Adjusted Funds Flow, Adjusted Funds Flow Per Share and Free Cash Flow

Adjusted Funds Flow and Free Cash Flow are non-GAAP financial measures and are not intended to represent cash flow from operating activities, net earnings or other measures of financial performance calculated in accordance with IFRS. The Adjusted Funds Flow and Free Cash Flow measures allow management and others to evaluate the Company’s ability to fund its capital programs and meet its ongoing financial obligations using cash flow internally generated from ongoing operating related activities. Adjusted Funds Flow per share is a non-GAAP financial ratio calculated as Adjusted Funds Flow divided by the applicable number of weighted average shares outstanding. Adjusted Funds Flow and Free Cash Flow are calculated as follows:

	Three months ended March 31, 2025
($ Thousands)	Athabasca (Thermal Oil)			Duvernay Energy⁽¹⁾			Corporate Consolidated⁽¹⁾
Cash flow from operating activities	$	113,427		$	9,926		$	123,353
Changes in non-cash working capital		7,230			(1,612	)		5,618
Settlement of provisions		696			8			704
ADJUSTED FUNDS FLOW		121,353			8,322			129,675
Capital expenditures		(50,376	)		(12,957	)		(63,333	)
FREE CASH FLOW	$	70,977		$	(4,635	)	$	66,342

^{(1) Duvernay Energy and Corporate Consolidated reflect gross financial metrics before taking into consideration Athabasca’s 70% equity interest in Duvernay Energy.}

	Three months ended March 31, 2024
($ Thousands)	Athabasca (Thermal Oil)			Duvernay Energy⁽¹⁾			Corporate Consolidated⁽¹⁾
Cash flow from operating activities	$	72,730		$	3,908		$	76,638
Changes in non-cash working capital		9,382			149			9,531
Settlement of provisions		1,601			2			1,603
ADJUSTED FUNDS FLOW		83,713			4,059			87,772
Capital expenditures		(42,119	)		(33,892	)		(76,011	)
FREE CASH FLOW	$	41,594		$	(29,833	)	$	11,761

^{(1) Duvernay Energy and Corporate Consolidated reflect gross financial metrics before taking into consideration Athabasca’s 70% equity interest in Duvernay Energy.}

Duvernay Energy Operating Income and Operating Netback

The non-GAAP measure Duvernay Energy Operating Income in this News Release is calculated by subtracting the Duvernay Energy royalties, operating expenses and transportation & marketing expenses from petroleum and natural gas sales which is the most directly comparable GAAP measure. The Duvernay Energy Operating Netback per boe is a non-GAAP financial ratio calculated by dividing the Duvernay Energy Operating Income by the Duvernay Energy production. The Duvernay Energy Operating Income and the Duvernay Energy Operating Netback measures allow management and others to evaluate the production results from the Company’s Duvernay Energy assets.

The Duvernay Energy Operating Income is calculated using the Duvernay Energy Segments GAAP results, as follows:

	Three months ended March 31,
($ Thousands, unless otherwise noted)	2025			2024
Petroleum and natural gas sales	$	17,619		$	11,538
Royalties		(2,761	)		(2,314	)
Operating expenses		(3,786	)		(3,640	)
Transportation and marketing		(798	)		(898	)
DUVERNAY ENERGY OPERATING INCOME⁽¹⁾	$	10,274		$	4,686

Athabasca (Thermal Oil) Operating Income and Operating Netback

The non-GAAP measure Athabasca (Thermal Oil) Operating Income in this News Release is calculated by subtracting the Athabasca (Thermal Oil) segments cost of diluent blending, royalties, operating expenses and cash transportation & marketing expenses from heavy oil (blended bitumen) and midstream sales which is the most directly comparable GAAP measure. The Athabasca (Thermal Oil) Operating Netback per bbl is a non-GAAP financial ratio calculated by dividing the respective projects Operating Income by its respective bitumen sales volumes. The Athabasca (Thermal Oil) Operating Income and the Athabasca (Thermal Oil) Operating Netback measures allow management and others to evaluate the production results from the Athabasca (Thermal Oil) assets.

The Athabasca (Thermal Oil) Operating Income is calculated using the Athabasca (Thermal Oil) Segments GAAP results, as follows:

	Three months ended March 31,
($ Thousands, unless otherwise noted)	2025			2024
Heavy oil (blended bitumen) and midstream sales	$	362,375		$	305,041
Cost of diluent		(152,132	)		(133,860	)
Total bitumen and midstream sales		210,243			171,181
Royalties		(15,964	)		(11,537	)
Operating expenses – non-energy		(24,887	)		(23,125	)
Operating expenses – energy		(13,507	)		(16,558	)
Transportation and marketing⁽¹⁾		(20,569	)		(19,512	)
ATHABASCA (THERMAL OIL) OPERATING INCOME⁽²⁾	$	135,316		$	100,449

^{(1) Transportation and marketing excludes non-cash costs of $0.6 million for the three months ended March 31, 2025 (three months ended March 31, 2024 – $0.6 million).}

Corporate Consolidated Operating Income and Corporate Consolidated Operating Income Net of Realized Hedging and Operating Netbacks

The non-GAAP measures of Corporate Consolidated Operating Income including or excluding realized hedging in this News Release are calculated by adding or subtracting realized gains (losses) on commodity risk management contracts (as applicable), royalties, the cost of diluent blending, operating expenses and cash transportation & marketing expenses from petroleum, natural gas and midstream sales which is the most directly comparable GAAP measure. The Corporate Consolidated Operating Netbacks including or excluding realized hedging per boe are non-GAAP ratios calculated by dividing Corporate Consolidated Operating Income including or excluding hedging by the total sales volumes and are presented on a per boe basis. The Corporate Consolidated Operating Income and Corporate Consolidated Operating Netbacks including or excluding realized hedging measures allow management and others to evaluate the production results from the Company’s Duvernay Energy and Athabasca (Thermal Oil) assets combined together including the impact of realized commodity risk management gains or losses (as applicable).

	Three months ended March 31,
($ Thousands, unless otherwise noted)	2025			2024
Petroleum, natural gas and midstream sales⁽¹⁾	$	379,994		$	316,579
Royalties		(18,725	)		(13,851	)
Cost of diluent⁽¹⁾		(152,132	)		(133,860	)
Operating expenses		(42,180	)		(43,323	)
Transportation and marketing⁽²⁾		(21,367	)		(20,410	)
Operating Income⁽³⁾		145,590			105,135
Realized gain (loss) on commodity risk mgmt. contracts		(1,643	)		1,445
OPERATING INCOME NET OF REALIZED HEDGING⁽³⁾	$	143,947		$	106,580

^{(1) Non-GAAP measure includes intercompany NGLs (i.e. condensate) sold by the Duvernay Energy segment to the Athabasca (Thermal Oil) segment for use as diluent that is eliminated on consolidation.}
^{(2) Transportation and marketing excludes non-cash costs of $0.6 million for the three months ended March 31, 2025 (three months ended March 31, 2024 – $0.6 million).}

Cash Transportation and Marketing Expense

The Cash Transportation and Marketing Expense financial measures contained in this News Release are calculated by subtracting the non-cash transportation and marketing expense as reported in the Consolidated Statement of Cash Flows from the transportation and marketing expense as reported in the Consolidated Statement of Income (Loss) and are considered to be non-GAAP financial measures.

Net Cash

Net Cash is defined as the face value of term debt, plus accounts payable and accrued liabilities, plus current portion of provisions and other liabilities plus income tax payable less current assets, excluding risk management contracts.

Liquidity

Liquidity is defined as cash and cash equivalents plus available credit capacity.

Production volumes details

		Three months ended March 31,
Production		2025		2024
Duvernay Energy:
Oil and condensate NGLs⁽¹⁾	bbl/d		1,839		1,205
Other NGLs	bbl/d		326		180
Natural gas⁽²⁾	mcf/d		4,844		3,291
Total Duvernay Energy	boe/d		2,972		1,934
Total Thermal Oil bitumen	bbl/d		34,742		31,536
Total Company production	boe/d		37,714		33,470

^{(1) Comprised of 99% or greater of tight oil, with the remaining being light and medium crude oil.}
^{(2) Comprised of 99% or greater of shale gas, with the remaining being conventional natural gas.}

This News Release also makes reference to Athabasca’s forecasted average daily Thermal Oil production of 33,500 ‐ 35,500 bbl/d for 2025. Athabasca expects that 100% of that production will be comprised of bitumen. Duvernay Energy’s forecasted total average daily production of ~4,000 boe/d for 2025 is expected to be comprised of approximately 68% tight oil, 23% shale gas and 9% NGLs.

Liquids is defined as bitumen, light crude oil, medium crude oil and natural gas liquids.

Break Even is an operating metric that calculates the US$WTI oil price required to fund operating costs (Operating Break-even), sustaining capital (Sustaining Break-even), or growth capital (Total Capital) within Adjusted Funds Flow.

Footnote: Refer to the “Reader Advisory” section within this news release for additional information on Non‐GAAP Financial Measures (e.g. Adjusted Funds Flow, Free Cash Flow, Net Cash, Liquidity) and production disclosure.

¹ 2025 pricing assumptions: US$70 WTI, US$12.50 WCS heavy differential, C$2 AECO, and 0.725 C$/US$ FX.

The MIL Network –

May 8, 2025

MIL-OSI United Kingdom: Tech companies urged to join drive to cut crime
Source: United Kingdom – Executive Government & Departments

Press release

Tech companies urged to join drive to cut crime

Top tech experts are meeting the Justice Secretary as part of a Government drive to use AI and technology to transform the justice system and cut crime.
New study shows tags monitoring curfews cut reoffending by 20%

Top tech experts assemble to address criminal justice challenges

Ambition to use technology to deliver safer streets as part of Plan for Change

Today around 30 companies including Microsoft, Amazon Web Services and Google will explore how revolutionary tech could be used to tackle violence in prison, better monitor offenders in the community and improve risk assessments of offenders.

The meeting comes as new research shows curfew tags, which keep offenders at home and off the streets during certain times, can reduce reoffending by 20 per cent. This demonstrates how even older technology is supporting punishment in the community and cutting crime.

The challenge now is to see how newer technology can contribute to help deliver the Government’s Plan for Change to make streets safer.

Today’s gathering will be chaired by James Timpson, the prison and probation minister, and opened by Lord Chancellor, Shabana Mahmood.

Lord Chancellor, Shabana Mahmood, said: 

We inherited a justice system in crisis, with prisons close to collapse and staff overburdened and under pressure.

We need bold ideas to address the challenges that we face – supporting our staff, delivering swifter justice for victims, and cutting crime.

Today, we have an analogue justice system in a digital age.

The UK has a world-leading and growing tech sector, and I know our tech firms have a huge role to play in delivering our Plan for Change to make streets safer.

The roundtable marks the first time key players in the UK’s tech ecosystem will meet with justice ministers to discuss some of the toughest challenges our courts, prisons and probation system face.

Discussion will focus on the potential for even more effective tracking of offender movement, using data to aid probation officers to perform better risk assessments and whether digital platforms can help offenders rehabilitate and integrate back into society, cutting reoffending.

It has been organised in partnership with techUK which is the trade association that brings together companies and organisations to promote digital technology.

techUK CEO, Julian David OBE said:

We’re honoured to be hosting this roundtable discussion with the Ministry of Justice – It presents an excellent opportunity for the tech sector to highlight the transformative role that technology is playing in modernising our criminal justice system.

techUK and our members believe that collaboration and open dialogue are essential to fostering innovation and driving meaningful reform – particularly in how offenders are rehabilitated – and that digital tools can be a powerful force in sustaining this positive impact across society.

Other companies attending include:

Allied Universal: an industry leader technology and service company for three decades

Cognizant Worldwide Limited: focuses on modernising technology, reimagining processes and transforming experiences

TPXimpact: a UK-based company focusing on digital transformation and creating positive change for people, places, and the planet

Microsoft Ltd. UK Public Sector General Manager, Amanda Sleight said:

We’re thrilled to be part of this groundbreaking initiative with the Ministry of Justice.

Microsoft is committed to advancing the ethical use of AI technology to reduce the administrative burden on prison and probation staff, allowing them more time to focus on delivering high-quality frontline services, reducing recidivism and helping integrate offenders back into society.

The aim is for a follow up to this meeting with an event open to the whole of industry to apply to come back and present their groundbreaking ideas and solutions in the coming months.

Earlier this year, the Lord Chancellor set out her vision for the Probation Service, which included a bold new £8 million pledge to introduce new technology to help risk assess offenders and cut back on admin, increasing focus on those offenders who pose the greatest risk to the public.

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Updates to this page

Published 8 May 2025
MIL OSI United Kingdom –
May 8, 2025
MIL-OSI New Zealand: First Fast-track expert panels established

Source: NZ Music Month takes to the streets

Infrastructure Minister Chris Bishop and Regional Development Minister Shane Jones have welcomed the formation of the first two Fast-track expert panels.

“At this year’s Infrastructure Investment Summit we announced that the first project applications had been accepted by the Environmental Protection Authority (EPA),” Mr Bishop says.

“Judge Borthwick, the Panel Convener, and Helen Atkins, Associate Panel Convener, have now appointed expert panels to assess the Maitahi Village project and Delmore project applications respectively. These panels will commence their work on Monday 12^th of May.

“Maitahi Village is a retirement village development in Nelson of around 180 residential dwellings (50 being Iwi-led housing), a commercial centre, and a retirement village with approximately 194 townhouses and 36 in-care facility units, and Delmore is an Auckland project of approximately 1,250 residential units, including features such as parks.

“Each expert panel will assess the project, decide whether to consent it, and apply any relevant conditions. Final decisions are expected for these applications by the 12^th of September.

“The expert panels include members with technical expertise relevant to the project and expertise in environmental matters.

“This Government is serious about growing our economy, and doing its part to make infrastructure and housing quicker, easier, and cheaper to build in New Zealand. I am pleased to see the formation of these panels and look forward to watching the process move forward.”

Notes to editor:

More details on the applications can be found here: www.fasttrack.govt.nz

Maitahi Village (Nelson):

Development of approximately 180 residential dwellings (50 to be Ngāti Koata iwi-led housing), a commercial centre, and a retirement village (approximately 194 townhouses, 36 in-care facility units, a clubhouse, and a pavilion).

Maitahi Village Expert Panel:

Honourable Lyn Stevens KC (chair)

Andrew Whaley

Glenice Paine

Sam Flewellen

Delmore (Auckland):

Subdivision and development of approximately 1,250 residential dwellings and associated features such as parks, including delivery of the State Highway 1 Grand Drive interchange and Wainui area connection.

Delmore Expert Panel:

Helen Atkins (Chair)

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MIL OSI New Zealand News –

May 8, 2025

Category: Business

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Source: Ia Ara Aotearoa Transporting New Zealand

Tech companies urged to join drive to cut crime

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