Tips, story leads, & corrections.

Email is the channel. If a published brief contains an error, if a market practice we should be covering has reached your desk, or if you have a confidential source — this is how to reach us.

[email protected]

Typical reply: 1-3 business days.

For corrections

If a published brief contains a factual error, please write us promptly. Subject "Correction" plus the brief title and the date. Substantive corrections are issued with a dated note appended to the brief and, where the error materially affected a recommendation, with a banner at the top of the page until the correction has been distributed.

For story tips

If a market practice we should be covering has reached your desk — new evidence of consumer harm, a structural change at a regulator, an industry behavior we have not yet documented — please write. We do not pay for tips. We do protect the identity of sources who request confidentiality, in writing, before the tip is acted on.

For brands & sponsors

Subject "Sponsorship". The Desk takes a limited number of sponsored slots per month. We have a 30-day evaluation requirement before any sponsored brief is published. We do not run banner advertising, programmatic display, or fixed-price native ads. Sponsored briefs are essay-form with full editorial control on our end.

For press

Subject "Press". Theo is occasionally available for comment on consumer credit, professional services, household finance, and adjacent topics. Please include the publication, deadline, and the angle.

This is not a customer-service line for any bank, lender, insurer, law firm, accounting firm, contractor, or matching platform we have covered or recommended. For matters with a specific institution, please contact that institution directly. The Consumer Financial Protection Bureau (consumerfinance.gov) handles complaints related to consumer-credit institutions; the relevant state board or licensing authority handles complaints related to professional services.

Mailing address

For legal correspondence only — ask in your email and we will provide the current mailing address.