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How the multibillion-dollar business behind online advertising could reinvent public media, revitalize journalism and strengthen democracy
This is the first comprehensive study regarding the state of automated decision-making in Europe. Experts have looked at the situation at the EU level but also in 12 Member States: Belgium, Denmark, Finland, France, Germany, Italy, Netherlands Poland, Slovenia, Spain, Sweden and the UK. They assessed not only the political discussions and initiatives in these countries but also present a section "ADM in Action" for all states, listing examples of automated decision-making already in use.
In February of 2017, the check-cashing industry petitioned the Illinois Department of Financial and Professional Regulation to increase the maximum rate currency exchanges can charge to cash a check in Illinois. Woodstock Institute analyzed income data from 2007 -- the last year in which check-cashing rates were increased -- through 2016 to determine to what degree Illinois households could absorb this increase.
American Civil Liberties Union;
The criminalization of private debt happens when judges, at the request of collection agencies, issue arrest warrants for people who failed to appear in court to deal with unpaid civil debt judgments. In many cases, the debtors were unaware they were sued or had not received notice to show up in court.
Testimony of Brent Adams to Illinois Department of Financial and Professional Regulation on Currency Exchange Rates
Testimony of Illinois State Senator Jacqueline Y. Collins opposing a proposal to increase the rates that may be charged y currency exchanges for check cashing.
Testimony of Dory Rand to the Director of the Division of Financial Institutions, Illinois Department of Financial and Professional Regulation, urging the state of Illinois not to increase the maximum rates taht may be charged by Illinois currency exchanges for any check cashing services.
Testimony of Lauren Nolan before the Committee on License and Consumer Protection regarding the proposed ordinance under consideration that would prohibit licensees from refusing to accept cash as payment for goods or services.
Center for Financial Services Innovation;
Financial technology ("fintech") has tremendous potential – as a delivery channel for high-quality products and services – to help consumers improve their financial health. While lower-income and non-White Americans are more likely to live in neighborhoods with few or no bank branches, they are more likely to rely on their smartphones as their primary method of connecting to the internet.Yet, many fintech tools are not designed with the needs of underserved consumers in mind. After conducting nearly 50 interviews with researchers, product owners and managers, and service providers from a range of companies and nonprofit organizations across the financial services industry, we identified the following strategies that firms are pursuing to expand the appeal of their products.
Center for Economic and Policy Research;
This report updates a version released in June 2016.U.S. private equity fundraising had its best year ever in 2015 -- raising $185 billion. But is the enthusiasm of investors warranted? Do PE buyout funds deliver outsized returns to investors and will they do so in the future? This report answers this question by reviewing the most recent empirical evidence on buyout fund performance; the answer is no. While median private equity buyout funds once beat the S&P 500, they have not done so since 2006 -- despite industry claims to the contrary.
Pew Research Center;
Roughly four-in-ten Americans have personally experienced online harassment, and 62% consider it a major problem. Many want technology firms to do more, but they are divided on how to balance free speech and safety issues online
Public Citizen's Global Trade Watch;
In November of 1993, the National Association of Manufacturers (NAM) released NAFTA We Need It, a collection of anecdotes from more than 250 companies describing how they would create U.S. jobs and face improved business prospects if Congress passed the North American Free Trade Agreement (NAFTA).As NAM President Jerry Jasinowski proclaimed in the report's forward: "U.S. companies are publicly sharing information on their market prospects in Mexico -- information normally considered 'company proprietary' and jealously guarded from the competition...They are doing so to convince Congress to approve the pact. These anecdotes...clearly illustrate how important the Mexican and other foreign markets are to U.S. companies and U.S. jobs."(1)Three years after NAFTA went into effect, Public Citizen's Global Trade Watch examined the specific promises contained in the NAM's report and other pro-NAFTA business and government reports and congressional testimony to determine whether NAFTA has actually created the U.S. jobs that its proponents promised. By tracking the performance outcomes of specific job creation and export expansion promises of businesses and industry organizations, this report documents a broad sample of NAFTAs real life results.As leading promoters of NAFTA, the firms surveyed for this report were the most likely to embody the promised benefits of NAFTA. This report reveals how the real life experiences of these pro-NAFTA companies three years into NAFTA now embody a very different story -- one which shows that NAFTA is not working. New U.S. jobs are not being created by NAFTA and NAFTA is causing major U.S. job loss.Despite NAFTA's three year record, many of NAFTA's original industry and political boosters are now urging an immediate expansion of NAFTA to additional countries in the Americas. Any prudent consideration of NAFTA's future must be based on the real life evidence of NAFTA's actual performance.With this study, Public Citizen demands: "Show Us the New NAFTA Jobs!" Recently, NAFTA's proponents have made weak attempts to use new statistical models to demonstrate NAFTA job creation. However, repeated inquiries to the Department of Commerce and our own studies have failed to uncover more than a few hundred actual new jobs attributable to NAFTA. These jobs stand in stark contrast to the NAFTA job loss reported by the NAFTA TAA program, which itself is a fraction of the actual NAFTA job loss. This study attempts to get past the phantom jobs NAFTA's defenders claim (using their economic models) and to look for the specific jobs created by NAFTA.