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The US Consumer Financial Protection Bureau (CFPB) is no longer regulating just banks, now supervising Apple and other companies offering digital wallets and payment apps. It will focus on companies that handle over 50 million transactions per year and ensure they have "the authority to conduct proactive examinations to ensure companies are complying with the law in these and other areas," the bureau said in a statement. "Supervision also is an important tool for the CFPB to assess risks that can emerge rapidly in this market, including from outages and other issues that could lead to millions of consumers losing access to their funds." The CFPB will supervise Apple Pay, Google Pay, Venmo and others in the areas of privacy and surveillance, debanking (losing access to their app without notice) and errors and fraud. This could provide more options for opting out of data collection and restricting them from misrepresenting their data protection practices, among other regulations. "Digital payments have gone from novelty to necessity and our oversight must reflect this reality. The rule will help to protect consumer privacy, guard against fraud, and prevent illegal account closures," said CFPB Director Rohit Chopra. In October, the CFPB fined Apple and Goldman Sachs $89 million over misleading customers and not following through with disputed transactions on the Apple Card. The CFPB originally proposed this setup in November 2023, but the final policies have changed. Most notably, businesses originally had to process just five million transactions, rather than the 50 million. It also reduced the number to just count US dollars, rather than a wider scope. The supervision will go into effect 30 days following the Federal Register publication. This article originally appeared on Engadget at https://www.engadget.com/big-tech/the-us-consumer-financial-protection-bureau-will-now-regulate-apple-pay-venmo-and-others-132129928.html?src=rss
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Like many companies this year, Sonos is getting an early start to Black Friday. Beginning today, you can save up to $180 off the companys speakers and soundbars, making this a great time to buy that piece you need to complete your home theater setup. The highlight of the Black Friday promotion is the Era 100, which you can currently get for $199, or $50 off its usual $249 price. If youre in the market for a soundbar, consider the Sonos Arc. Now that the Arc Ultra is available, Sonos has discounted its previous flagship soundbar by $200 to $699. For something more affordable, the Beam 2 is currently $369, down from $499. Lastly, theres the Era 300. Right now, you can buy the Dolby Atmos-compatible speaker for $359, instead of $449 as usually priced. All of these deals are being matched by Amazon, too. More than a few of Sonos speakers, including the Era 100, have found a spot and stayed on Engadgets list of best smart speakers. If you care about music but still want a speaker with modern features, a Sonos system is the way to go. Not only do the companys speakers sound great, but you also get access to things like AirPlay 2 that make it incredibly easy to play exactly the song you want to listen to in the moment. You may have seen that Sonos bungled the release of the latest version of its companion app. Thats true, but as things stand, the company has done a lot of work in recent months to fix its software. As a daily user, I can safely say the Sonos app is in much better shape now than it was in the spring. Other than the premium price that comes with Sonos products, theres not much they dont do as well or better than the competition. With the discounts the company is offering for Black Friday, its speakers come even more highly recommended. Check out all of the latest Black Friday and Cyber Monday deals here.This article originally appeared on Engadget at https://www.engadget.com/deals/sonos-black-friday-deals-save-up-to-200-on-speakers-and-soundbars-130038835.html?src=rss
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Marketing and Advertising
Creators who sell assets on itch.io will now have to be a lot more upfront about using generative AI. The marketplace for independent digital creators has introduced a new rule that requires users to label their projects if they were produced using generative AI tools, such as ChatGPT and Midjourney. Users will see an AI generation disclosure box when they upload their projects. If they confirm that their project contains AI-generated output, they'll be required to indicate what kinds of content were made with generative AI, whether they're graphics, sounds, text and dialogue or code. If they have a public asset page, they'll see a dialog box when they access their dashboard, making it easy to bulk tag their projects. They'll be able to select multiple projects from their list and then indicate whether they contain AI-generated content or not. All assets with AI output will get the "AI Generated" tag, while those without will be tagged as "No AI." Each content type will have its own sub-tag, as well. itch.io requires all assets that used AI in any way, even if the creator had hand-edited it, to be tagged as AI Generated. And if it finds any untagged work that used artificial intelligence tool, it will make that asset ineligible for indexing so that potential buyers could no longer find it. However, it's unclear what measures the marketplace is taking to police its website. While itch.io's new policy may not be enough for those who'd rather ban AI content altogether, the tags will allow buyers who don't want AI assets in their work to filter them out. This article originally appeared on Engadget at https://www.engadget.com/ai/itchio-marketplace-now-requires-asset-creators-to-disclose-their-use-of-generative-ai-130031999.html?src=rss
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Marketing and Advertising
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