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The a la carte menu features in-house smoked meats, gourmet burgers, and fresh salads, and the bar program serves a regularly rotating wine list that focuses on sustainable and natural wines, seasonally-inspired craft cocktails, and craft and draft beers. Six Mile offers an extensive, well-priced wine list, private dining for large parties, and seasonal patio dining. Enjoy this stylish watering hole and steakhouse offering a menu of refined American pub fares deemed to be the best food in Lawrence yet. The full-service bar also serves a variety of drinks, including several rotating draft beers, an impressive wine list of renowned brands and local labels, and seasonal handcrafted cocktails made with high-end spirits.

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About one in three across partisan groups say the outcome of Prop 27 is very important to them. Fewer than half across partisan groups say the outcome of Prop 30 is very important to them. A solid majority of likely voters (62%) are satisfied with their choices of candidates in the November 8 election, while about three in ten (32%) are not satisfied. Shares expressing satisfaction have increased somewhat from a month ago (53%) and were similar prior to the 2018 gubernatorial election (60% October 2018).

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He has conducted surveys for theLos Angeles Times, theSan Francisco Chronicle, and the California Business Roundtable. The CMA and other regulators now have the unenviable task of untangling these arguments between Sony and Microsoft and figuring out exactly how this deal could harm consumers or competition. Microsoft still hopes to close this deal out by spring 2023, but there’s a good chance we have months of battles ahead — as well as the opportunity to gain rare insights, as with these mobile plans, into the secret ambitions of the gaming industry. While we expect to cover more products over time, we are starting with these ones. Through these transaction accounts, the rule will be able to facilitate new approaches to underwriting, payment services, personal financial management, income verification, account switching, and comparison shopping.

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That means a push into mobile gaming could happen on multiple fronts — not just on phones and tablets. Microsoft’s Activision Blizzard deal is key to the company’s mobile gaming efforts. Microsoft is quietly building a mobile Xbox store that will rely on Activision and King games. We will be developing requirements to limit misuse and abuse of personal financial data, as well as frauds and scams. A common point of concern across jurisdictions around the world is how unscrupulous actors will look to harvest and hoard consumer financial data as it increases in scale. Around the world and here at home, financial services are slowly moving toward open banking and open finance.

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The CMA says it has concerns that Microsoft’s Activision Blizzard deal could lessen competition in game consoles, subscriptions, and cloud gaming, but Microsoft thinks the regulator has simply been listening to Sony’s lawyers too much. Landline interviews were conducted using a computer-generated random sample of telephone numbers that ensured that both listed and unlisted numbers were called. Additionally, we utilized a registration-based sample of landline phone numbers for adults who are registered to vote in California. All landline telephone exchanges in California were eligible for selection. After a household was reached, an adult respondent was randomly chosen for interviewing using the “last birthday method” to avoid biases in age and gender. Epic Games CEO Tim Sweeney welcomed Microsoft’s first hints at an open app store model in 2019 ahead of a giant battle between Epic and Apple a year later that saw Fortnite disappear from iPhones.

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With persistent inflation and concerns about a possible recession in the future, an overwhelming majority of Californians believe the US economy is in not so good (43% adults, 40% likely voters) or poor (33% adults, 36% likely voters) shape. About a quarter of adults (3% excellent, 20% good) and likely voters (2% excellent, 23% good) feel positively about the national economy. Strong majorities across partisan groups feel negatively, but Republicans and independents are much more likely than Democrats to say the economy is in poor shape. Solid majorities across the state’s major regions as well as all demographic groups say the economy is in not so good or poor shape. In a recent ABC News/Washington Post poll, 24 percent (3% excellent, 21% good) of adults nationwide felt positively about the US economy, while 74 percent (36% not so good, 38% poor) expressed negative views. The property information being provided is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

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Importantly, a more open market will also make sure consumers won’t have to start from scratch. For example, Americans often use their deposit account history as a life ledger – it is a written record that keeps track of payments and deposits, which can be helpful for taxes, for disputes with merchants, or insurers, and for other purposes. By allowing consumers to transfer their ledger to a new institution, the rule could make switching institutions easier – you won’t need to maintain a relationship with your bank to maintain your written record. The Federal Communications Commission’s number portability rules reduced switching costs by allowing customers to move their phone number to a new carrier. Decades before, the so-called Carterfone rules ensured that new devices could be interoperable with AT&T’s network, through standardized jacks and plugs, even if produced by third parties. The average rent for a three bedroom apartment in Lawrence, KS is $1,021 /mo.

Today, a solid majority of Democrats (79%) and independents (61%) say they are satisfied, compared to fewer than half of Republicans (44%). Majorities across demographic groups say they are satisfied, and notably, women (68%) are more likely than men (56%) to say this. Majorities across the state’s regions say they are satisfied with their choices of candidates in the upcoming gubernatorial election.

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Californians are much more pessimistic about the direction of the country than they are about the direction of the state. Solid majorities of adults (62%) and likely voters (71%) say the United States is going in the wrong direction, and majorities have held this view since September 2021. One in three or fewer adults (33%) and likely voters (25%) think the country is going in the right direction. Majorities across all demographic groups and partisan groups, as well as across regions, are pessimistic about the direction of the United States. And, as for companies looking to draw in new customers – when consumers authorize transfers of their personal financial data, new providers will be able to treat them as if they have been long-time customers. Because of the authorized data, companies will immediately know the products and services that could best fit their new customers’ needs.

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Today, Democrats and Republicans have about equal levels of enthusiasm, while independents are much less likely to be extremely or very enthusiastic. Half or more across regions are at least very enthusiastic, with the exceptions of likely voters in Los Angeles (44%) and the San Francisco Bay Area (43%). Among partisans, an overwhelming majority of Democrats (78%) and 55 percent of independents say it is very important, compared to 43 percent of Republicans. Majorities across regions and all demographic groups—with the exception of men (49% very important)—say abortion rights are very important when making their choice among candidates for Congress.

California voters have now received their mail ballots, and the November 8 general election has entered its final stage. The 2022 midterm election also features a closely divided Congress, with the likelihood that a few races in California may determine which party controls the US House. One reason that the current ecosystem is unstable is that many companies currently access consumer data through activities like screen scraping. However, such methods are not secure, and they are likely not sustainable, especially as data security standards potentially evolve to a point that such activities may become blocked. Likewise, nascent firms would be able to use data permissioned by consumers to improve upon and customize, to provide greater access, and to develop products and services.

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We will also gather input from the “fourth parties,” the intermediary data brokers that facilitate data transfers. Data can be monetized in nefarious ways or even used by state and non-state actors. While Americans are becoming numb to routine data breaches, including massive ones like the Equifax failure, we know that more needs to be done to stop this underworld from intercepting even more highly sensitive personal data. Transaction data will be especially useful for these purposes, and help bring an end to the current reliance on the three-digit social credit scores derived from credit reports that are cloaked in secrecy and rife with inaccuracies. Finally, financial companies can find new ways to underwrite and score with less bias. Today, many companies are now exploring new underwriting models that return to core principles – assessing ability to repay without attempting to use outside information to model a consumer’s presumed ability to repay.

This finding is somewhat similar to October 2018, when 68 percent said this (28% very, 40% closely) a month before the previous gubernatorial election. Today, majorities across partisan, demographic, and regional groups say they are following news about the gubernatorial election either very or fairly closely. The shares saying they are following the news very closely is highest among residents in Republican districts (39%), Republicans (30%), whites (29%), and adults with incomes of $40,000 to $79,999 (29%). Older likely voters (27%) are slightly more likely than younger likely voters (21%) to say they are following the news closely.

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With their locally-owned and operated handmade food, with inventive cocktails you’ve never tried before, and an extensive wine list, it’s one of those local restaurants near you to visit for a good time. Exposed brick interiors, a convivial atmosphere, and an amazing selection of craft beers take center stage, but the food is excellent too, with tasty, daily specials on offer. The Public Policy Institute of California is dedicated to informing and improving public policy in California through independent, objective, nonpartisan research.

Epic has been arguing that Apple should allow third-party payment systems in its App Store or even allow rival app stores to function on iPhones and iPads. Microsoft is building an Xbox mobile store to directly offer games on mobile devices, challenging Apple and Google. The software giant first hinted at a “next-generation” store it would “build for games” earlier this year but has now quietly revealed details of the plans in filings with the UK’s Competition and Markets Authority . The CFPB is subject to a rulemaking step that is unique among financial regulators. Before issuing a proposed rule, the CFPB must convene a panel of small businesses that represent their markets to provide input on our proposals. This week, we will be publicly releasing a discussion guide that small firms can weigh in on.

PPIC Statewide Survey: Californians and Their Government Public Policy Institute of California

I’ve asked that our staff look at alternatives to the so-called notice-and-opt out regime that has been the standard for financial data privacy. For example, the longstanding Gramm-Leach-Bliley Act privacy rules don’t give consumers meaningful control over how their data is being used. Second, we will be looking at a number of ways to stop incumbent institutions from improperly restricting access when consumers seek to control and share their data. Large incumbents will find their customers to be less “sticky” and easier to “poach.” They’ll also find it harder to impose junk fees and harvest personal financial data for their exclusive use. People would feel secure knowing that both the data holder and the data receiver follow secure practices. For Americans to be confident that they have the consumer financial product that is right for them and their specific needs, they should be able to share their data readily, but safely.

That means a push into mobile gaming could happen on multiple fronts — not just on phones and tablets. Microsoft’s Activision Blizzard deal is key to the company’s mobile gaming efforts. Microsoft is quietly building a mobile Xbox store that will rely on Activision and King games. We will be developing requirements to limit misuse and abuse of personal financial data, as well as frauds and scams. A common point of concern across jurisdictions around the world is how unscrupulous actors will look to harvest and hoard consumer financial data as it increases in scale. Around the world and here at home, financial services are slowly moving toward open banking and open finance.

Voters’ Views on November’s Propositions

Threats to openness have come from browsers, operating systems, app stores, infrastructure providers, and others that already have scale or provide a must-have component. We are exploring ways to ensure that when consumers share their data for a specific use, that is the only use it will be used for. We know this will be a challenge, given how difficult it is to enforce restrictions, like purpose limitations and data deletion requirements. Starting here will also mean that our jumping-off point is where industry infrastructure for consumer-authorized financial data sharing has already begun to take shape. With this new competitive landscape in mind, here is where we are headed. First, we expect to propose requiring financial institutions offering deposit accounts, credit cards, digital wallets, prepaid cards, and other transaction accounts to set up secure methods, like APIs, for data sharing.

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The CMA says it has concerns that Microsoft’s Activision Blizzard deal could lessen competition in game consoles, subscriptions, and cloud gaming, but Microsoft thinks the regulator has simply been listening to Sony’s lawyers too much. Landline interviews were conducted using a computer-generated random sample of telephone numbers that ensured that both listed and unlisted numbers were called. Additionally, we utilized a registration-based sample of landline phone numbers for adults who are registered to vote in California. All landline telephone exchanges in California were eligible for selection. After a household was reached, an adult respondent was randomly chosen for interviewing using the “last birthday method” to avoid biases in age and gender. Epic Games CEO Tim Sweeney welcomed Microsoft’s first hints at an open app store model in 2019 ahead of a giant battle between Epic and Apple a year later that saw Fortnite disappear from iPhones.

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Today, 21 percent of likely voters say the outcome of Prop 26 is very important, 31 percent say the outcome of Prop 27 is very important, and 42 percent say the outcome of Prop 30 is very important. The shares saying the outcomes are very important to them have remained similar to a month ago for Prop 27 (29%) and Prop 30 (42%). Today, when it comes to the importance of the outcome of Prop 26, one in four or fewer across partisan groups say it is very important to them.

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However, the CMA has barely discussed the potential for Microsoft’s entrance into mobile gaming as part of its investigation and is instead largely focusing on console gaming, which Microsoft argues is an increasingly smaller part of the overall market. In a graph posted at Microsoft’s Activision Blizzard acquisition site, the company depicts the entire gaming market as worth $165 billion in 2020, with consoles making up $33 billion , PCs at $40 billion , and mobile gaming at $85 billion . For example, in telecommunications, the open internet, powered by protocols, like the hypertext transfer protocol, helped to create a new worldwide web. Of course, many actors have sought to obtain, and in some cases successfully grabbed, more control.

Epic has been arguing that Apple should allow third-party payment systems in its App Store or even allow rival app stores to function on iPhones and iPads. Microsoft is building an Xbox mobile store to directly offer games on mobile devices, challenging Apple and Google. The software giant first hinted at a “next-generation” store it would “build for games” earlier this year but has now quietly revealed details of the plans in filings with the UK’s Competition and Markets Authority . The CFPB is subject to a rulemaking step that is unique among financial regulators. Before issuing a proposed rule, the CFPB must convene a panel of small businesses that represent their markets to provide input on our proposals. This week, we will be publicly releasing a discussion guide that small firms can weigh in on.

With persistent inflation and concerns about a possible recession in the future, an overwhelming majority of Californians believe the US economy is in not so good (43% adults, 40% likely voters) or poor (33% adults, 36% likely voters) shape. About a quarter of adults (3% excellent, 20% good) and likely voters (2% excellent, 23% good) feel positively about the national economy. Strong majorities across partisan groups feel negatively, but Republicans and independents are much more likely than Democrats to say the economy is in poor shape. Solid majorities across the state’s major regions as well as all demographic groups say the economy is in not so good or poor shape. In a recent ABC News/Washington Post poll, 24 percent (3% excellent, 21% good) of adults nationwide felt positively about the US economy, while 74 percent (36% not so good, 38% poor) expressed negative views. The property information being provided is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

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Financial regulators have largely complied with what dominant incumbents desire by writing complicated rules to fit existing business models. Much of it involves financial institutions handing consumers a lot of fine print that they may not even read, like those financial privacy notices companies send. Today, I want to start off by talking a bit about the CFPB’s new approach to regulation.

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The percentages presented in the report tables and in the questionnaire may not add to 100 due to rounding. Xbox Game Pass is also at the heart of the ongoing battles between Microsoft and Sony over Call of Duty. Sony is arguing that Microsoft could take Call of Duty away from PlayStation entirely, while Microsoft says that wouldn’t make business sense. This disagreement has spilled out into a public war of words between Sony’s PlayStation chief and Microsoft’s head of Xbox, but the real conflict is happening behind closed doors. Stephanie Bissonnette, who played high school student Dawn Sweitzer in "Mean Girls the Musical" on Broadway, has died at age 32.

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A competitive market would also lead to unbundling where companies compete on individual products, rather than relying on captive customers or cross-selling scams. When markets aren’t competitive, we feel that we need to buy additional services from a provider we already worked with. If a firm is required to make a person’s financial information available to them, or to a third party acting on the consumer’s behalf, via a secure method, we will be able to mitigate some of the problems that exist today.

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In the first quarter of 2023, we will publish a report about the input we received through that process. This will inform a proposed rule that we are planning to issue later in 2023. Rather than rely on black-box models that people can’t make sense of, lending can move back to real-world data about someone’s ability to pay back a loan. This will eliminate bias and reliance on credit scores and other proxies. For instance, individuals who want to switch providers will be able to transfer their account history to a new company, so they don’t have to start over if they are unsatisfied with the service provided by an incumbent firm.

For example, even when large institutions that share personal data with their customers use APIs, there is no guarantee those institutions don’t play games on availability, latency, and critical data points, like price. The provisions provide for personal financial data rights for Americans, but would only have teeth after the CFPB defined the specifics through rules. Microsoft also accuses Sony of not welcoming competition from Xbox Game Pass and that Sony has decided to block Game Pass on PlayStation. Microsoft isn’t happy with Sony and the UK’s Competition and Markets Authority. The UK regulator signaled an in-depth review of Microsoft’s $68.7 billion deal to acquire Activision Blizzard last month, and the CMA has now published its full 76-page report on its findings.

Even if you don’t know who Dave Loewenstein is, it’s highly likely that you’ve come across his large-scale, community murals, which often stretch the length of the walls of Lawrence parks, schools, buildings, passageways and elsewhere. What you may not be aware of, is that there is a good chance that you’ve likewise come into contact with his small-scale work, which might be inconspicuously stuck to the side of a newspaper box or possibly wheat-pasted onto a wall. A more open ecosystem that is broadly inclusive of both consumers and businesses holds great promise. Our rulemaking will not turn on a switch, but I hope it will move us in that direction. Financial services are an essential part of our economic plumbing, and we will be working to let the market expand and develop new ways to help Americans live their lives to the fullest. Through that process, we’ll hear from small banks and financial companies who will be providers of data, as well as the small banks and financial companies who will ingest the data.

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This is one of those Lawrence eats where it’s been around so long everyone knows about their reputation, and the friendly service they offer in those years of experience is unparalleled. If you’re a food blogger looking for where to eat in Lawrence for an aesthetic background for some appetizing-looking, social-media-worthy food this is one of the best restaurants downtown to check out. From vegan eateries serving Asian-style food to excellent gastropubs, here are the best restaurants in Lawrence you might love. Rachel Lawler is a survey analyst at the Public Policy Institute of California, where she works with the statewide survey team. Prior to joining PPIC, she was a client manager in Kantar Millward Brown’s Dublin, Ireland office. In that role, she led and contributed to a variety of quantitative and qualitative studies for both government and corporate clients.

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With all 80 state assembly positions and half of state senate seats up for election, fewer than half of adults (49%) and likely voters (43%) approve of the way that the California Legislature is handling its job. Views are deeply divided along partisan lines; approval is highest in the San Francisco Bay Area and lowest in Orange/San Diego. About half across racial/ethnic groups approve, and approval is much higher among younger Californians. Fewer than half of likely voters say the outcome of each of these state propositions is very important to them.

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Californians are much more pessimistic about the direction of the country than they are about the direction of the state. Solid majorities of adults (62%) and likely voters (71%) say the United States is going in the wrong direction, and majorities have held this view since September 2021. One in three or fewer adults (33%) and likely voters (25%) think the country is going in the right direction. Majorities across all demographic groups and partisan groups, as well as across regions, are pessimistic about the direction of the United States. And, as for companies looking to draw in new customers – when consumers authorize transfers of their personal financial data, new providers will be able to treat them as if they have been long-time customers. Because of the authorized data, companies will immediately know the products and services that could best fit their new customers’ needs.

Approval Ratings

We also present results for non-Hispanic Asian Americans, who make up about 16 percent of the state’s adult population, and non-Hispanic African Americans, who comprise about 6 percent. Results for other racial/ethnic groups—such as Native Americans—are included in the results reported for all adults, registered voters, and likely voters, but sample sizes are not large enough for separate analysis. Results for African American and Asian American likely voters are combined with those of other racial/ethnic groups because sample sizes for African American and Asian American likely voters are too small for separate analysis. We also analyze the responses of likely voters—so designated per their responses to survey questions about voter registration, previous election participation, intentions to vote this year, attention to election news, and current interest in politics.

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This is one of those Lawrence eats where it’s been around so long everyone knows about their reputation, and the friendly service they offer in those years of experience is unparalleled. If you’re a food blogger looking for where to eat in Lawrence for an aesthetic background for some appetizing-looking, social-media-worthy food this is one of the best restaurants downtown to check out. From vegan eateries serving Asian-style food to excellent gastropubs, here are the best restaurants in Lawrence you might love. Rachel Lawler is a survey analyst at the Public Policy Institute of California, where she works with the statewide survey team. Prior to joining PPIC, she was a client manager in Kantar Millward Brown’s Dublin, Ireland office. In that role, she led and contributed to a variety of quantitative and qualitative studies for both government and corporate clients.

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In an open and competitive market, it is easy for individuals to fire, or walk away from, their financial provider for whatever reason. Direct deposits need to be reset, as do scheduled payments linked by ACH or debit card. And consumers need to take these actions, while managing day-to-day liquidity issues. Our rule will facilitate third party companies that offer services to make switching recurring payments easier. This map highlights the five geographic regions for which we present results; these regions account for approximately 90 percent of the state population.

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Newsom leads in all demographic groups, with the exception of men (45% Newsom, 44% Dahle) and those with a high school diploma only (46% Newsom, 49% Dahle). The share supporting Newsom grows as educational attainment increases (46% high school only, 56% some college, 60% college graduates), while it decreases with rising income (64% less than $40,000, 56% $40,000 to $79,999, 52% $80,000 or more). However, a big potential stumbling block for Microsoft’s mobile gaming ambitions could be its control of Call of Duty on both mobile and console. Microsoft has seen success with Xbox Game Pass, and it has made it clear it wants to bring Activision games to the service. Microsoft’s acknowledgment of a mobile gaming push comes as the company increasingly positions Xbox Cloud Gaming as an option for mobile gaming on emerging handhelds. Microsoft was quick to support Xbox Cloud Gaming on Valve’s Steam Deck, followed by a partnership with Logitech and Razer for their cloud gaming-focused handhelds.

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The percentages presented in the report tables and in the questionnaire may not add to 100 due to rounding. Xbox Game Pass is also at the heart of the ongoing battles between Microsoft and Sony over Call of Duty. Sony is arguing that Microsoft could take Call of Duty away from PlayStation entirely, while Microsoft says that wouldn’t make business sense. This disagreement has spilled out into a public war of words between Sony’s PlayStation chief and Microsoft’s head of Xbox, but the real conflict is happening behind closed doors. Stephanie Bissonnette, who played high school student Dawn Sweitzer in "Mean Girls the Musical" on Broadway, has died at age 32.

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First, individuals and nascent firms would have more bargaining leverage. These and other successful examples of regulation that decentralize market power are guiding our financial data rights rulemaking. With this in mind, here is what we think a more open and competitive market could look like. Regulation of the financial services industry has a bad name, and rightfully so. There’s charming cottages on cobbled streets, and stylish apartment developments within walking distance of the university. Whether you’re starting a family, or enjoying undergrad, there’s a rental for you in Lawrence.

Approval of Congress remains low, with fewer than four in ten adults (37%) and likely voters (29%) approving. Approval of Congress among adults has been below 40 percent for all of 2022 after seeing a brief run above 40 percent for all of 2021. Fewer than half across regions and demographic groups approve of Congress.

News that Justin Edison, who was set to testify in the case, did not appear and is now missing. He writes lots of news, some of the puns and makes sure we put the accent on Pokémon. Please review the third-party’s privacy policy, accessibility policy, and terms. McDonald’s is not responsible for the content provided by third-party sites. Enjoy three weeks of app deals, plus get access to exclusive merch and the chance to win the best gift of all... Yes, the McGold Card is real—and you could win one, plus three more to share with friends, just by ordering with the app.

Threats to openness have come from browsers, operating systems, app stores, infrastructure providers, and others that already have scale or provide a must-have component. We are exploring ways to ensure that when consumers share their data for a specific use, that is the only use it will be used for. We know this will be a challenge, given how difficult it is to enforce restrictions, like purpose limitations and data deletion requirements. Starting here will also mean that our jumping-off point is where industry infrastructure for consumer-authorized financial data sharing has already begun to take shape. With this new competitive landscape in mind, here is where we are headed. First, we expect to propose requiring financial institutions offering deposit accounts, credit cards, digital wallets, prepaid cards, and other transaction accounts to set up secure methods, like APIs, for data sharing.

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He has conducted surveys for theLos Angeles Times, theSan Francisco Chronicle, and the California Business Roundtable. The CMA and other regulators now have the unenviable task of untangling these arguments between Sony and Microsoft and figuring out exactly how this deal could harm consumers or competition. Microsoft still hopes to close this deal out by spring 2023, but there’s a good chance we have months of battles ahead — as well as the opportunity to gain rare insights, as with these mobile plans, into the secret ambitions of the gaming industry. While we expect to cover more products over time, we are starting with these ones. Through these transaction accounts, the rule will be able to facilitate new approaches to underwriting, payment services, personal financial management, income verification, account switching, and comparison shopping.

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But even if Call of Duty stays on PlayStation, Sony could still lose out on serious revenue if Microsoft offers the title on Xbox Game Pass. Microsoft previously claimed that Sony is paying for “blocking rights” to keep some games off Xbox Game Pass and now says that’s the case with Call of Duty. “The agreement between Activision Blizzard and Sony includes restrictions on the ability of Activision Blizzard to place Call of Duty titles on Game Pass for a number of years,” says Microsoft in its filings.

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We will also gather input from the “fourth parties,” the intermediary data brokers that facilitate data transfers. Data can be monetized in nefarious ways or even used by state and non-state actors. While Americans are becoming numb to routine data breaches, including massive ones like the Equifax failure, we know that more needs to be done to stop this underworld from intercepting even more highly sensitive personal data. Transaction data will be especially useful for these purposes, and help bring an end to the current reliance on the three-digit social credit scores derived from credit reports that are cloaked in secrecy and rife with inaccuracies. Finally, financial companies can find new ways to underwrite and score with less bias. Today, many companies are now exploring new underwriting models that return to core principles – assessing ability to repay without attempting to use outside information to model a consumer’s presumed ability to repay.

Epic has been arguing that Apple should allow third-party payment systems in its App Store or even allow rival app stores to function on iPhones and iPads. Microsoft is building an Xbox mobile store to directly offer games on mobile devices, challenging Apple and Google. The software giant first hinted at a “next-generation” store it would “build for games” earlier this year but has now quietly revealed details of the plans in filings with the UK’s Competition and Markets Authority . The CFPB is subject to a rulemaking step that is unique among financial regulators. Before issuing a proposed rule, the CFPB must convene a panel of small businesses that represent their markets to provide input on our proposals. This week, we will be publicly releasing a discussion guide that small firms can weigh in on.

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Today, a solid majority of Democrats (79%) and independents (61%) say they are satisfied, compared to fewer than half of Republicans (44%). Majorities across demographic groups say they are satisfied, and notably, women (68%) are more likely than men (56%) to say this. Majorities across the state’s regions say they are satisfied with their choices of candidates in the upcoming gubernatorial election.

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