Form 8-K

8-K — SurgePays, Inc.

Accession: 0001493152-26-035097

Filed: 2026-07-29

Period: 2026-07-28

CIK: 0001392694

SIC: 4813 (TELEPHONE COMMUNICATIONS (NO RADIO TELEPHONE))

Item: Other Events

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UNITED

STATES

SECURITIES

AND EXCHANGE COMMISSION

Washington,

D.C. 20549

FORM

8-K

CURRENT

REPORT

PURSUANT

TO SECTION 13 OR 15(d) OF THE

SECURITIES

EXCHANGE ACT OF 1934

Date

of Report (Date of earliest event reported): July 28, 2026

SURGEPAYS,

INC.

(Exact

name of registrant as specified in its charter)

Nevada

001-40992

98-0550352

(State

or other jurisdiction

incorporation)

(Commission

File

Number)

(IRS

Employer

Identification

No.)

3124

Brother Blvd., Suite 104

Bartlett,

TN 38133

(Address

of principal executive offices, including zip code)

Registrant’s

telephone number, including area code: (901) 302-9587

(Former

name or former address, if changed since last report)

Check

the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under

any of the following provisions:

☐

Written

communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting

material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement

communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement

communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities

registered pursuant to Section 12(b) of the Act:

Title

of each class

Trading

Symbol(s)

Name

of each exchange on which registered

Common

Stock

SURG

The

Nasdaq Stock Market, LLC

Indicate

by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405

of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging

growth company ☐

an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying

with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item

8.01. Other Events.

SurgePays,

Inc. (the “Company”) is aware of incorrect information that has been circulated on the internet regarding the Company’s

subsidiary, Torch Wireless, a Wyoming corporation (“Torch”), in connection with a Notice of Apparent Liability for

Forfeiture (the “NAL”) sent by the Federal Communications Commission (the “FCC”) to Torch on or

about July 22, 2026. According to the incorrect information that has been circulated, “the company has either been stonewalling,

delaying, or flat out refusing to cooperate with the FCC.”

Such information is incorrect.

Torch and its counsel have directly coordinated with FCC staff to address technical issues with the FCC’s document submission

portal. Torch responded timely to the FCC’s initial March 11, 2026 Letter of Inquiry (the “LOI”) with a 28-page

letter sent to the FCC on May 15, 2026, responding in substance to the matters in the LOI. In addition, Torch believed responsive

documents were timely submitted by Torch’s counsel to the FCC on or about June 3, 2026, and the FCC did not indicate otherwise

until issuing the NAL on July 22, 2026. Upon notification, Torch promptly re-uploaded documents, which the FCC has since confirmed it

received. The NAL concerns only the timeliness of document submission, not the substance of Torch’s response or any alleged misconduct.

The proposed forfeiture by the FCC in the NAL relates solely to the alleged late submission, calculated on a per-day basis. Torch maintains

it acted in good faith, remains in compliance, and intends to address the timing issue directly with the FCC. Furthermore, Torch

disputes the basis of the NAL and intends to seek its withdrawal or pursue legal remedies if necessary.

The

information furnished in this Item 8.01 is intended to be considered in the context of more complete information included in the Company’s

filings with the Securities and Exchange Commission (the “SEC”) and other public announcements that the Company has

made and may make from time to time by press release or otherwise. The Company undertakes no duty or obligation to update or revise such

information, although it may do so from time to time as its management believes is appropriate. Any such updating may be made through

the filing of other reports or documents with the SEC, through press releases or through other public disclosures.

The

information contained in this Item 8.01 of this Current Report on Form 8-K is being furnished and shall not be deemed “filed”

for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject

to the liabilities of that Section, nor shall such information be deemed incorporated by reference in any filing under the Securities

Act of 1933, as amended, or the Exchange Act, except as expressly set forth by specific reference in such filing.

Disclosure

Regarding Forward-Looking Information

This

Current Report on Form 8-K contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of

1995. These forward-looking statements include, but are not limited to, statements regarding the Company’s beliefs and expectations

relating to intentions with respect to timing issues of Torch’s submissions to the FCC and the withdrawal of the NAL. These forward-looking

statements are based on the current beliefs and expectations of the Company’s management with respect to future events, only speak

as of the date that they are made and are subject to significant risks and uncertainties. Such statements can be identified by the use

of words such as “should,” “go-forward,” “future,” “anticipates,” “believes,”

“estimates,” “expects,” “intends,” “plans,” “predicts,” “will,”

“would,” “could,” “continue,” “can,” “may,” “look forward,” “aim,”

“hopes,” and similar terms, although not all forward-looking statements contain such words or expressions. Actual results

could differ significantly from those set forth in the forward-looking statements.

Important

factors that may cause actual results to differ materially from those in the forward-looking statements include, but are not limited

to, the factors contained in the “Risk Factors” section and elsewhere in the Company’s filings with the SEC from time

to time, including, but not limited to, its Annual Report on Form 10-K and its Quarterly Reports on Form 10-Q. The Company does not undertake

to update any forward-looking statements to reflect changed assumptions, the impact of circumstances or events that may arise after the

date of the forward-looking statements, or other changes over time, except as required by law.

SIGNATURES

Pursuant

to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this Report to be signed on its behalf by

the undersigned hereunto duly authorized.

SURGEPAYS,

INC.

Date:

July 29, 2026

By:

/s/

Kevin Brian Cox

Name:

Kevin

Brian Cox

Title:

Chief

Executive Officer

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