NIL
NCAA House Settlement: A Look At The House Settlement & NCAA Implications
The House vs. NCAA settlement has been central to conversations around college football this offseason. If approved, it could drastically change the sport as we know it.
The settlement covers many facets of college athletics. It certainly impacts the FBS, both the Power Four and the Group of Five, as well as the FCS and other divisions of football and other sports. But details still need to be finalized, and that’s assuming the entire deal doesn’t fall apart or is delayed beyond the upcoming school year.
Here’s more about the House v. NCAA Settlement.


House vs. NCAA Settlement Details
House v. NCAA is a legal case that revolves around the payment of college athletes. Once approved, this would allow schools to pay athletes directly for the first time.
While this does bring even more change to an already chaotic aspect to college sports, some hope that this brings about more stability in the long-term. This, some believe, will allow the NCAA or other governing bodies to enforce more regulations regarding how athletes are paid.
Many schools have already opted into the House settlement, meaning they are on board with how the case shakes out and will eventually pay college athletes directly.
But some have opted out, meaning they won’t pay athletes themselves. While that will save the schools money, it will likely impact their recruiting efforts and therefore their performance during competitions.
NIL House Settlement Back Pay
The House settlement would result in the NCAA and Division I schools paying $2.78 billion in back pay for students who competed in sports between 2016-24.
The House v. NCAA case materialized after collegiate basketball player Sedona Prince and swimmer Grant House, among other college athletes, filed a lawsuit five years ago saying that the NCAA and the power conferences unified against paying athletes and prevented them from profiting off their names, images, and likenesses (NIL).
Do Schools Opting Out Of The House Settlement Have To Provide Back Pay?
All Division I schools will have to contribute money toward back damages as a result of the House settlement, regardless if they opt into it. However, most or all of that for some schools could be taken out of the money normally disbursed from NCAA events like the NCAA Tournaments in men’s and women’s basketball.
Where House Settlement Money Will Come From
As for the $2.78 billion in back damages, the NCAA is to pay 60% of it while 40% of it will come from schools themselves. That’s to be paid out over 10 years. A good portion of the schools’ payments will come out of money that usually goes to them for NCAA competitions.
Schools can also pay students for NIL rights at a maximum of 22% of annual revenue that comes from broadcast deals and tickets.
How that back pay is dolled out hasn’t been widely publicized, though a vast majority is expected to go to football and basketball players. Specifics are to be hammered out by the plaintiffs in the case.


House v. NCAA Settlement NIL Cap
Several sources estimate a cap for how much schools will pay athletes directly will be established and that number would be $20.5 million per institution. That number would go up about 4% per year.
That wouldn’t be a minimum in this instance, just a maximum.
NCAA vs. House Settlement Update
Many expected the House settlement to have gone into effect by now, but that hasn’t happened yet.
It seemed federal judge Claudia Wilken, who oversaw other cases related to college athletics like O’Bannon v. NCAA, was going to approve the settlement. But after hearing from walk-on athletes who would’ve lost their roster spots, the case hit a roadblock.
The House settlement was going to change scholarship limits to roster limits, meaning many athletes on teams who aren’t on scholarships – also called walk-ons – would no longer be capable of participating on their teams.
Wilken reportedly wants to change these roster limit rules, accounting for current walk-ons and grandfathering them in. At the moment, schools seem unwilling to budge much on this as many had already accounted for the changes they believed were imminent.


NIL
Oregon Ducks’ Dante Moore Takes Blame For Season-Ending Loss To Indiana
The Oregon Ducks’ season came to an end in the College Football Playoff semifinals in a 56-22 loss to Indiana at the Chick-fil-A Peach Bowl.
Dante Moore finished with 285 yards through the air and two touchdowns. However, the Duck’ star quarterback had three turnovers with two fumbles and one interception in what could be his final game in an Oregon uniform.

On Multi-Turnover Game
Moore hasn’t had many multi-turnover games. He tossed two interceptions in the loss to Indiana during the regular season and he did it again in the first-round CFP win vs. James Madison. He didn’t shy away from taking responsibility for the turnovers.
“First thing is first, the quarterback has to protect the football. They have a great defense, great disguise and different looks, but you can’t win football games if you’re causing turnovers. Something of course I need to work at. It comes with just reps. But overall, I mean, Indiana defense is great, defensive coordinator, but at the end of the day, we beat ourselves,” Moore said.
On First Lost Fumble
Moore’s first fumble came in the begininng of the second quarter as Oregon was attempting to make a comeback down 20-7. Backed up inside their own 15-yard line, Moore coughed up a costly turnover.

“On that play, it was running back was behind me in the pistol and tried to throw the smoke screen off the field. I gotta clear the midline better to make sure that when I am going to throw, I don’t hit the running back in his elbow. So the ball hit his elbow, but at the end of the day, it’s on me. I gotta take care of the ball and make sure they’re out of the way and get the ball to the receivers,” Moore said.
On Relationship With Ducks’ Center Iapani Laloulu
After the final whistle, Moore embraced center Iapani “Poncho” Laloulu in a powerful moment that represented the Ducks’ brotherhood.
“Poncho is somebody I love to death, and we’ve been through a lot this year, and I love him to death. And he’s just somebody that’s always willing to pray for me. He prayed for us in that moment, just prayed for the season. Just at the end of the day, Jesus won,” Moore said.
“At the end of the day, you have to give him his glory. It is just two competitive teams that’s playing on the biggest stages in the world right now. And at the end of the day, you gotta give God the glory win or loss,” Moore added.
MORE: What Dan Lanning Said After Oregon’s Loss to Indiana
MORE: Instant Takeaways From Oregon’s Playoff Loss to Indiana
MORE: Dante Moore NFL Outlook Comes Into Focus After Peach Bowl Loss
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On NFL Aspirations
Regardless of how he played vs. Indiana, Moore is still seen as one of the top prospects in the 2026 NFL Draft if he chooses to declare. He gave a brief update on where he is with his decision process.
“I knew that question was coming. Yeah. I want to soak this moment up. That’s most important. Just giving hugs and just thank yous to my teammates, but at the end of the day, I don’t know my decision yet,” Moore said.
I’m going to talk to Coach Lanning and talk to my family and everybody, but at the end of the day, I don’t want to think about that right now. I just want to think about my teammates and give love to them. Appreciate you though,” Moore continued.
On Indiana’s Crowd Size
The entire Mercedes-Benz Stadium was filled with Indiana red. It became apparent very quickly for the Ducks that the Hoosiers would have the crowd on their side.
“I thought it was just the red seats, but it was the Indiana fans. They had a ton of fans here. Of course I’m just glad that the fans from Oregon were able to make it. I’m glad they came. Yeah, but it was pretty loud. At the end of the day, the dome gets pretty loud, but we prepared for loud situations and changed up the cadence. But yeah, they came out and showed out,” Moore said.
On His Faith

“My faith has taken me a long way, my freshmen year at UCLA. That was the most adversity I’ve been in my life. Being 17 years old in LA, there’s not many people I could rely on. You know, I am from Detroit, Michigan, very far from there,” Moore said.
“I know God is always on my side through the good, bad and ugly. Just someone I relied on, prayed everyday to. And even right now, you know, the sun will come up in the morning and give me light, walk in His path, and trust in His journey that he has for me. It’s God’s time in everything I do,” Moore added.
On Learning From Indiana Quarterback Fernando Mendoza
While doing game prep for the Hoosiers, Moore made it a point to study a bit of Indiana quarterback Fernando Mendoza.
“Quarterbacks learn from each other. Of course when I watched the film, I’m not just going to watch our side of the ball. I’m going to watch him. He’s done a great job all year especially in the red area protecting the football, scoring, doing what they’ve been doing. They’re on the field for a reason,” Moore said.
“I give him his credit. Somebody I’m going to stay in touch with when it comes to just talking ball, talking life, but quarterbacks learn from each other. And I’m excited how much I can learn from this game and learn from my future coming up,” Moore continued.
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NIL
College enforcement group voices ‘serious concerns’ with spiraling transfer portal
A transfer portal spiraling out of control prompted the new regulatory body for college sports to issue a memo to athletic directors Friday night saying it has “serious concerns” about some of the multimillion-dollar contracts being offered to players.
The “reminder” from the College Sports Commission came out about an hour before kickoff of the semifinal between Indiana and Oregon in a College Football Playoff that has shared headlines with news of players signing seven-figure deals to move or, in some cases, stay where they are.
The CSC reminded the ADs that, according to the rules, third-party deals to use players’ name, image and likeness “are evaluated at the time of entry in NIL Go, not before, and each deal is evaluated on its own merits.”
“Without prejudging any particular deal, the CSC has serious concerns about some of the deal terms being contemplated and the consequences of those deals for the parties involved,” the memo said.
Under terms of the House settlement that dictated the rules for NIL payments, schools can share revenue with their players directly from a pool of $20.5 million. Third-party deals, often arranged by businesses created to back the schools, are being used as workarounds this so-called salary cap.
The CSC, through its NIL Go portal, is supposed to evaluate those deals to make sure they are for a valid business purpose and fall within a fair range of compensation for the services being provided.
The CSC did not list examples of unapproved contracts, but college football has seen its share of seven-figure deals luring players to new schools since the transfer portal opened on Jan. 2.
One high-profile case involved Washington quarterback Demond Williams Jr., who initially sought to enter the transfer portal and turn his back on a reported deal worth $4 million with the Huskies. Legal threats ensued and Williams changed course and stayed at Washington.
“Making promises of third-party NIL money now and figuring out how to honor those promises later leaves student-athletes vulnerable to deals not being cleared, promises not being able to be kept, and eligibility being placed at risk,” the CSC letter said.
The commission listed two rules about contracts it evaluates, some of which have been termed “agency agreement” or “services agreement” in what look like attempts to bypass the rules.
—”The label on the contract does not change the analysis; if an entity is agreeing to pay a student-athlete for their NIL, the agreement must be reported to NIL Go within the reporting deadline.”
—”An NIL agreement or payment with an associated entity or individual … must include direct activation of the student-athlete’s NIL rights.” This is a reference to the practice of “warehousing” NIL rights by paying first, then deciding how to use them later.
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NIL
Todd McShay believes 3,500-yard college football QB is not ready for NFL
A prominent college quarterback faced a difficult reality check during a lopsided College Football Playoff semifinal defeat on Friday night.
The signal-caller struggled with turnovers and the pace of play throughout the contest while his team fell well short of reaching the national championship stage. The performance raised immediate questions about whether the young passer is truly prepared to make the jump to the professional ranks.
The Ringer’s Todd McShay offered a blunt assessment of the prospect’s readiness following the game. The analyst argued that the quarterback lacks the requisite experience to succeed immediately in the NFL and pointed to the low number of career starts as a major red flag. McShay emphasized that rushing the development process often leads to failure for talented but raw players.
McShay suggested that history provides a clear warning for quarterbacks who enter the draft without enough collegiate repetitions. He believes the player would benefit significantly from returning to school to accumulate more game action. The analyst relied on data and trends to support his claim that the passer is not yet equipped to handle the complexities of the next level.
Historical trends suggest Dante Moore needs more time at Oregon
Todd McShay specifically identified Oregon Ducks quarterback Dante Moore as the player who needs to return to school during his The McShay Report podcast. McShay used a long list of successful quarterbacks to illustrate the value of collegiate experience. He noted that players like Bo Nix and Jayden Daniels benefited immensely from staying in school longer.
“Bo Nix: 60+ starts. 50+starts are: Cam Ward, Jayden Daniels. 40+: Baker, Purdy, Penix, Herbert, Hurts, Dart,” McShay stated. “30+: Cousins, Geno, Goff, Daniel Jones, Trevor, Stafford, Lamar, Dak, Caleb, Love.”
McShay contrasted this list with Moore, who has made only 20 starts. He argued that the few quarterbacks who succeeded with fewer starts are rare outliers.

“The two guys that are sub-30 but still had 25 or 29, in Mahomes and Josh Allen respectively, are superhuman,” McShay explained. “And Mahomes sat a year with Alex Smith, teaching him in the quarterback room, and Andy Reid, one of the great developers. Everyone seems to forget Josh Allen really struggled as a rookie.”
The analyst pointed to specific struggles Moore had during the 56-22 loss to Indiana. He highlighted how the speed of the game seemed to affect the sophomore’s processing.
“I’m looking at Dante Moore in his 20th start, and he looks like a guy, and yeah, the running back on the RPO shouldn’t have hit his elbow to throw,” McShay observed. “But the strip sack and several other plays. I’m watching the quarterback. Yes, there were, your receivers are covered up, but we got to speed up that clock, man. I don’t think Dante Moore’s ready.”
McShay warned that ignoring historical trends often results in drafting busts. He listed several quarterbacks who struggled after entering the league with questions about their readiness.

“Knowing the history, and knowing all the problems, and knowing the Trubiskys and the Haskins and the Mark Sanchezes and the Anthony Richardsons,” McShay said. “Hearing that list I just gave you, and watching him then tonight, are you comfortable taking him at one overall?”
The analyst concluded that one more season would put Moore in a much safer category for NFL evaluators.
“He can come back next year, play 12, 13, 15 more games. And now he’s in the range we’re talking about with Stafford, Lamar, Dak, Caleb, Love,” McShay said. “I feel a lot more comfortable then.”
Read more on College Football HQ
NIL
Fernando Mendoza rejected Miami’s NIL payday — now he’s one win from a national title
Fernando Mendoza rejected Miami’s NIL payday — now he’s one win from a national title originally appeared on The Sporting News. Add The Sporting News as a Preferred Source by clicking here.
Fernando Mendoza bet on himself last winter by turning down a richer NIL payday at Miami in favor of a chance he believed would better define his future. One win from a national championship, the wager is nearly complete at Indiana
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Fernando Mendoza has led one of the most remarkable seasons in college football history. The Indiana Hoosiers won their first Big Ten title since 1967 and Mendoza earned the school’s first Heisman Trophy.
The California transfer has thrown for 3,349 yards, 41 touchdowns and six interceptions, transforming Indiana into the No. 1 team entering the College Football Playoff. They haven’t let up off the gas since.
The decision almost never happened. According to former agent Ben Dogra, Mendoza turned down a more lucrative NIL offer from the Miami Hurricanes, his hometown school. He said Indiana’s deal paid roughly $2.3 million, while Miami’s offer exceeded $3 million, a difference that led the Hurricanes to pursue Carson Beck instead.
Mendoza prioritized development over a homecoming or money. At Indiana, he joined coach Curt Cignetti’s system to play alongside his brother, Alberto, and believed he had a clearer path to becoming an NFL quarterback.
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“That’s coaching,” Dogra said. “He thought he’d have a better chance to grow and get ready for the next level.”
Mendoza’s plan worked. He has surged up draft boards and is now viewed as the No. 1 overall pick. One more win would turn a calculated gamble into a championship legacy as the Hoosiers chase history.
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NIL
Keelon Russell, Austin Mack: Alabama quarterbacks returning for 2026
Alabama officially has a quarterback competition for 2026.
Austin Mack and Keelon Russell have both re-signed for another season with the Crimson Tide, Alabama’s NIL collective announced Friday.
Mack is heading into his fourth season of college football and fourth working under coach Kalen DeBoer. Meanwhile, Russell is set to enter his second season with Alabama.
The two will compete to replace Ty Simpson as Alabama’s starting quarterback. Simpson announced Wednesday he will enter the NFL Draft.
The re-signings are noteworthy because teams across college football are searching for quarterbacks, and it’s no secret quarterback-needy teams find ways to make known to quarterbacks through third parties what their opportunities might be if they enter the transfer portal.
But Alabama managed to secure both Mack and Russell, indicating both are willing to compete for the starting job.
What was a given not even half a decade ago is no longer a foregone conclusion. Roster retention is just as important, if not more important, than roster additions in this era of revenue sharing, NIL and paying players directly.
Mack is the lone quarterback of the two who has played significant snaps so far. When Simpson left the Rose Bowl early in the second half with a cracked rib, Mack replaced him and finished out the game. He completed 11 of 16 passes for 103 yards.
Over four games of action in 2025, primarily as Simpson’s backup, Mack completed 24 of 32 passes for 228 yards, two touchdowns and one rushing touchdown.
Russell was the third quarterback on the depth chart during his freshman season, completing 11 of 15 passes for 143 yards and two touchdowns. Russell is a former five-star quarterback, ranked as the No. 2 quarterback and No. 2 prospect in the 2025 recruiting class, per 247Sports.
The transfer portal is scheduled to remain open through Jan. 16.
NIL
Kolpack: College football players may have finally met their match – InForum
FARGO — There is one week left in the NCAA transfer portal and then the national FCS head coach nightmare will be over. Or at least let’s hope so.
It’s been eight days since the last North Dakota State player announced he was going into the portal, perhaps a sign that the bleeding has stopped. Bison players who receive funds from the Green and Gold Fund, the collective that pays players directly from the athletic department, sign contracts that in theory commit them to the school.
But in NCAA football, what’s a contract these days?
Maybe there’s hope on the horizon.
ESPN earlier this week reported quarterback Demond Williams Jr. signed an NIL deal to remain at the University of Washington, but then announced he was leaving to pursue another school. Imagine that happening in the NFL. It doesn’t, at least it’s not that simple.
But back to the college game and Williams Jr., the university didn’t take too kindly to that, as it shouldn’t, and there were reports Washington was prepared to fight back. This is not a $10,000 check maybe a Bison football player would receive.
This is about millions of dollars.
Guess what? Williams Jr. on Thursday put on Instagram that he was “fully committed” and is returning to Washington. Imagine that. Perhaps somebody got to him with the following logic: Demond, do you want to hire a lawyer for a lot of money with no guarantee you’ll win just to transfer to, say, LSU? It’s a reminder of the famous “Seinfeld” line when Jerry was at an airport car rental desk. His vehicle wasn’t immediately available and that didn’t sit well with him. “You can take the reservation but you can’t hold the reservation.”
The point being holding, honoring a contract, is the most important part.
Maybe, just maybe, the players finally met their match. On that note, the NCAA denied a waiver request for another year of eligibility of Ole’ Miss quarterback Trinidad Chambliss. I never thought I would see the NCAA deny any sort of waiver again.
NIL contracts? Before Williams Jr. reversed course, they held about as much water as Death Valley in California. The agent who represented Williams Jr., who is also the agent for Washington head coach Jedd Fisch, put on social media he ended his representation with the quarterback because of “philosophical differences.”
NDSU players signing NIL contracts with the Green and Gold Fund are important, with both parties. With the school, the hope is the players honor the deal. For the player, it’s a guarantee they’ll get paid.
There are stories that Bison players who transferred to a bigger school in the past didn’t receive what they were promised. A contract is a security blanket, because it’s doubtful a school would want a reputation of reneging on NIL deals.
It’s all part of the mishmash of the modern world of college football that is screwed up on so many levels, including the calendar of events of the transfer portal and coaches leaving for other schools.
Nick Saban has a point, when on an ESPN “College GameDay” pregame show, the former Alabama head coach suggested taking on more of an NFL model with the calendar. He advocated to move signing day to summer, start the season earlier, move the portal to the end of the school year and then change spring football from March or April to after the portal dates to summer, like the NFL teams do with their Organized Team Activity (OTAs) after the draft.
It would avoid coaches leaving their current school for another during a playoff run, like the Lane Kiffin fiasco from Mississippi to LSU. NDSU went through it to a degree, but Craig Bohl stayed through the 2013 national title game before leaving for Wyoming and Chris Klieman stayed through the ‘18 championship game before heading to Kansas State.
That’s laughable now. But there is this: Maybe the pendulum has reached its peak and will swing the other way.
Let’s hope so.
Jeff Kolpack, the son of a reporter and an English teacher, and the brother of a reporter, worked at the Jamestown Sun, Bismarck Tribune and since 1990 The Forum, where he’s covered North Dakota State athletics since 1995. He has covered all 10 of NDSU’s Division I FCS national football titles and has written four books: “Horns Up,” “North Dakota Tough,” “Covid Kids” and “They Caught Them Sleeping: How Dot Reinvented the Pretzel.” He is also the radio host of “The Golf Show with Jeff Kolpack” April through August.
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