Banana Boat Mattifying Face Sunscreen Lotion SPF 50+

Ethylhexyl Triazone is oil soluble, oderless and colorless, which mean it is able to be incorporated into a variety of different formulations.

It is not currently available within the United States due to slow changing FDA regulations. Outside of the US, it is used in formulations at concentrations up to 5%.

Tinosorb M covers a range of 280-400 nm and is photostable. This ingredient is neither oil or water soluble.

Tinosorb M is not available in the US. However, it is available in the EU and Asia.

It's sister, Tinosorb S, is set to be approved in the US by late 2025 (fingers crossed!).

This ingredient is commonly used to enhance both UVB and UVA protection due to its unique property in stabilizing avobenzone. It also pulls double duty by boosting water resistance and giving formulas a smooth, spreadable feel.

The EU's Scientific Committee on Consumer Safety (SCCS) has deemed octocrylene to be safe as a UV-filter at concentrations up to 10% (capped at 9% in propellant sprays). The US also permits it up to 10%.

Two things worth knowing:

You'll usually see this ingredient used in concentrations between 2-10% (higher amounts when used as a stabilizer for avobenzone).

You'll often see it paired with other UV filters to boost overall SPF because octisalate is a fairly week filter on its own.

The reason you'll see it so often is because it can help solubilize and stabilize the trickier filters like oxybenzone and avobenzone.

Unlike these filters, octisalate has pretty good photostability and doesn't create skin-damaging free radicals when exposed to sunlight.

The fatty-alcohol part of the molecule also gives it a light, emollient feel so it doubles as a nice texture enhancer.

Usage levels vary around the world:

Safety-wise, this ingredient has a pretty reassuring track record. The EU's Scientific Committee on Consumer Products (SCCP) found very low skin penetration in human skin tests and negative results for irritation, phototoxicity, and photoallergy.

The real-world allergy risk is pretty low too; a 2012 European study of 1,031 people recorded only 2 reactions to it (a rate of 0.19%).

You might have seen scary headlines about sunscreen getting into your blood.

In 2019, the FDA found that several chemical filters can absorb through the skin and show up in the bloodstream at small but measurable levels.

Here's the important part: these tiny levels are just a cutoff the FDA uses to decide which ingredients need more testing and doesn't mean anything harmful was found.

The researchers were clear that the results are no reason to stop wearing sunscreen.

Though this ingredient works well with most skin types, some people with sensitive skin may experience a reaction such as allergic rashes, closed comedones, or itchiness.

It is also used to make a product more thick.

The Cosmetic Review Expert Panel has concluded the alkyl benzoate group to be safe as used in cosmetics; it wasn't found to be a skin irritant and unlikely to be absorbed due to its low water solubility.

This report recorded almost 1000 reported uses with concentrations up to 59% in leave-on products but your cosmetics will typically use 0.5-15% depending on the product.

It's often called a "SPF booster": this is because it keeps UV filters properly dissolved and evenly distributed to support a sunscreen's performance. It doesn't actually raise SPF on its own.

Overall, this ingredient is well tolerated.

This ingredient is fungal acne safe because it is an ester of benzoic acid.

Think of this ingredient as two parts stuck together: an oily part and an acid part. Malassezia only gets a meal when it can snip off a fatty acid to eat. With C12-15 Alkyl Benzoate, the acid part is benzoic acid, which isn't a fatty acid and which the yeast can't use as food.

Benzoic acid is actually used as a preservative to stop yeast from growing.

The oily part is a blend of C12-15 fatty alcohols but fatty alcohols in this size range can support only a little Malassezia growth (mostly for one species of Malassezia as well).

In the ingredient, those alcohols stay locked inside the molecule. The yeast can only reach them by snipping the benzoate bond, and that type of bond is harder for it to cut than a normal fatty bond.

So not much gets released. And whatever does get snipped comes packaged with benzoic acid, which discourages yeast growth.

Because it is not a free-fatty acid, this ingredient is fungal acne safe (there's nothing for Malassezia to feed on).

Because it has a neutral charge, it is compatible with a wide range of ingredients and stays stable across a broad pH range/water hardiness conditions.

Patch testing has shown it to have the lowest irritation potential among common cleansing surfactants (like SLS).

Typical use levels range from 5-20% in rinse-off cleansers.

One thing worth knowing: The American Contact Dermatitis Society named the parent family, alkyl glucosides, "Allergen of the Year" in 2017. The prevalence of allergy is pretty low but be sure to patch test if you've reacted to "gentle" or sulfate-free cleansers before.

This ingredient is fungal acne safe because the fatty alcohol portion of this ingredient is not within the C11-24 chain length that Malassezia can metabolize.

This ingredient has been found to be safe as used in cosmetics, wasn't a skin or eye irritant in clinical patch testing, and wasn't phototoxic.

In a clinical comedogenicity test, this ingredient tested negative so it isn't likely to clog pores.

Typical use levels are about 5-8% for sunscreens + nail products, but can range from 0.005%-8% depending on the product.

On top of that, this ingredient can counteract the effects of hard water by binding to the minerals in it.

One thing worth knowing is that Disodium EDTA has been shown to be a mild penetration enhancer. It can help other ingredients absorb into skin more effectively which can be a double-edged sword (great for actives, but can also make the active too strong if you have sensitive skin).

Clinical patch testing showed no significant skin irritation at typical use concentrations and minimal dermal absorption.

You'll most likely see this ingredient near the end of an ingredient list. It's typically found in concentrations less than 1%.

Tocopheryl Acetate is commonly found in both skincare and dietary supplements.

This ingredient is typically used in concentrations between 1-10%. Studies have found it to be non-sensitizing, non-phototoxic, and non-photoallergenic.

A close cousin of this ingredient is Glyceryl Stearate SE ("self-emulsifying"). This just has a small amount of sodium or potassium stearate added so it can emulsify without a co-emulsifier.

Since this ingredient is an ester of a C18 fatty acid, it may not be fungal acne safe. The Malassezia yeast can potentially metabolize within the C11-C24 range.

Fun fact: The human body also creates Glyceryl Stearate naturally.

This ingredient is not irritating or sensitizing. Recent research also suggests it may have skin-brightening effects through tyrosinase inhibition.

You might have heard of "niacin flush", or the reddening of skin that causes itchiness. Niacinamide has not been found to cause this.

In very rare cases, some individuals may not be able to tolerate niacinamide at all or experience an allergic reaction to it.

If you are experiencing flaking, irritation, and dryness with this ingredient, be sure to double check all your products as this ingredient can be found in all categories of skincare.

When incorporating niacinamide into your routine, look out for concentration amounts. Typically, 5% niacinamide provides benefits such as fading dark spots. However, if you have sensitive skin, it is better to begin with a smaller concentration.

When you apply niacinamide to your skin, your body converts it into nicotinamide adenine dinucleotide (NAD). NAD is an essential coenzyme that is already found in your cells as "fuel" and powers countless biological processes.

In your skin, NAD helps repair cell damage, produce new healthy cells, support collagen production, strengthen the skin barrier, and fight environmental stressors (like UV and pollution).

Our natural NAD levels start to decline with age, leading to slower skin repair, visible aging, and a weaker skin barrier. By providing your skin niacinamide, you're recharging your skin's NAD levels. This leads to stronger, healthier, and younger looking skin.

Another name for vitamin B3 is nicotinamide. This vitamin is water-soluble and our bodies don't store it. We obtain Vitamin B3 from either food or skincare. Meat, fish, wheat, yeast, and leafy greens contain vitamin B3.

The type of niacinamide used in skincare is synthetically created.

Typical use concentrations range from 2-3% and it works across a pH of 4.5-8.5.

This ingredient has been found safe to use in cosmetics and has a low irritation profile.

Because it's build on stearic acid, it may not be fungal acne safe. Stearic acid is a C18 fatty acid that falls within the range (C11-24) that Malassezia can feed on.

As a cleansing agent, Potassium Cetyl Phosphate helps gather oils, dirts, and pollutants from your skin. This makes it easier to rinse them away with water.

The CIR Expert Panel has confirmed this ingredient to be nontoxic and clinical studies show no sensitization at cosmetic use concentrations.

True allergic reactions are quite rare: a 15-year retrospective study of 6,751 patients found only 0.31% had a positive reaction (and less than half were considered clinically relevant).

It seemed that when sensitization does occur, it's most commonly linked to topical medication (like corticosteroids) and not cosmetics. Allergic contact dermatitis also appears largely limited to individuals with underlying skin conditions.

Overall, propylene glycol is a well-studied ingredient that most people can tolerate without issue.

You'll also recognize water as that liquid we all need to stay alive. If you see this, drink a glass of water. Remember to stay hydrated!

The unique structure of silica enhances the spreadability and adds smoothness, making it a great texture enhancer.

It is also used as an active carrier, emulsifier, and mattifier due to its ability to absorb excess oil.

In some products, tiny microneedles called spicules are made from silica or hydrolyzed sponge. When you rub them in, they lightly polish away dead skin layers and enhance the penetration of active ingredients.

Unlike other plant oils, jojoba wax doesn't easily penetrate skin. It mostly works in the uppermost layers as an emollient. This just means it forms a light barrier on the skin to help retain moisture.

Formulations with jojoba esters up to 90% reduced transepidermal water loss (TEWL) and increased barrier recovery by 81% (outperforming bisabolol at 47%).

Besides barrier support, the science also suggests jojoba to have anti-inflammatory effects and potential applications for skin infections, aging, and wound healing.

Fun fact: Indigenous cultures have used jojoba as a moisturizer and to help treat burns for centuries.

Fungal acne: The Malassezia yeast is known to metabolize fatty acids in the C11-24 range and jojoba's dominant fatty acid components fall into this range. This ingredient may not be fungal acne safe.

Your skin has a natural pH and acid mantle. This acid mantle helps prevent harmful bacteria from breaking through. The acid mantle also helps keep your skin hydrated.

"Alkaline" refers to a high pH level. A low pH level would be considered acidic.

It is gluten-free.

Xanthan gum is a pretty common and great ingredient. It is a natural, non-toxic, non-irritating ingredient that is also commonly used in food products.