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The CFPB may be facing its most significant legal threat yet,PC Gamer Newsletter

Web26/10/ · Key Findings. California voters have now received their mail ballots, and the November 8 general election has entered its final stage. Amid rising prices and economic uncertainty—as well as deep partisan divisions over social and political issues—Californians are processing a great deal of information to help them choose state constitutional Web12/10/ · Microsoft pleaded for its deal on the day of the Phase 2 decision last month, but now the gloves are well and truly off. Microsoft describes the CMA’s concerns as “misplaced” and says that WebAbout Our Coalition. Prop 30 is supported by a coalition including CalFire Firefighters, the American Lung Association, environmental organizations, electrical workers and businesses that want to improve California’s air quality by fighting and preventing wildfires and reducing air pollution from vehicles Web20/10/ · From payment apps to budgeting and investing tools and alternative credit options, fintech makes it easier for consumers to pay for their purchases and build better financial habits. Nearly half of fintech users say their finances are better due to fintech and save more than $50 a month on interest and fees. Fintech also arms small businesses WebPassword requirements: 6 to 30 characters long; ASCII characters only (characters found on a standard US keyboard); must contain at least 4 different symbols; ... read more

Crypto lawyers have drawn on his prior decisions in the context of the Tornado Cash sanctions, for example. Faruqui spoke with Protocol about the power of his position, and what people in crypto should understand about the law. There was another prosecutor, Christopher Brown — you know, the other Chris Brown — and he had taken an interest in this when we were both working on financial crime in the Washington, D.

Our U. attorney at the time, Jessie Liu, had this idea of using financial investigations in a way that was not limited to just white collar crime, or even narcotics cases, but also for cyber investigations, to national security investigations, and in civil cases. A lot of what we were investigating was related to following the money and so she wanted us to be this multidisciplinary unit.

But I have to say, we started with the goal of wanting to make T-shirts, and we never did that while I was there. Your decisions have also gotten a lot of attention.

We're public servants! And in order for the public to have faith and trust us, they need to understand what it is that we're doing and what we're saying.

Humor is one way, not using a lot of legalese is another way. But I think there are many judges who are trying to make the judiciary more accessible, and so people can see the work that we're doing and understand what we're doing and then make their own opinions about if it's right or wrong.

But at least, if it's understandable, then there's still some trust in the framework even if you don't agree with how our decisions are stated. We are ambassadors for the judiciary to the people in our courtroom — it's a very frightening proposition being in court if you've been federally charged, and people have perceptions of what they think can happen there in terms of fairness or unfairness.

But then it goes far beyond that. I do a lot of work with the Administrative Office of the Courts, our central body doing civic education and outreach to high schools, because I want college and high school students and law students to have an experience where they get a chance to talk to a judge. So my goal is certainly not just getting to one segment of the population, but it's making decisions accessible to whoever's interested in reading them.

What has it felt like for you switching from that prosecutor role to magistrate judge? Lawyers are trying to take different frameworks from one topic and apply them to another, and then convince you that that is or is not appropriate.

Being a judge is very different because you're evaluating what the parties present to you as the applicable legal frameworks, and deciding how new, groundbreaking technology fits into legal frameworks that were written 10 or 15 years ago. But that's not really a place where judges get involved in saying how it ought to be regulated. There was, famously, a judge in Florida that said cryptocurrency was not money because you couldn't put it underneath your bed, and that's what money is: something that is tangible.

So different people are going to have different decisions. And that's not just true for crypto, but also other areas of the law. Your best-known crypto decisions strongly assert that crypto is traceable. One way people try to make it less traceable is with mixers, and Tornado Cash was sanctioned by OFAC not too long ago.

Do you think the legal reasoning was sound enough for similar sanctions to be applied to other mixers, or decentralized exchanges? I don't know. I think there's been some discussion that people may litigate some of these things, so I can't comment, because those frequently do come to our courthouse. And I think there are certainly people opining on that, yes and no. So much of what judges do is that we rely on the parties that are before us to tell us what's right and what's wrong.

And then, you know, obviously, they'll have different views, and we make a decision based on what people say in front of us. Are you aware that some legal analysis of the Tornado Cash sanctions references your recent decision in a cryptocurrency sanctions case? That's what good lawyers will always do. Even legislators might look at that as they try to think about where the gaps are.

As a prosecutor I had a case where we sued three Chinese banks to give us their bank records, and it had never been done before. Afterwards, Congress passed a new law, using the decisions from judges in this court and the D. circuit court, the court above us. So I'm sure people look at prior decisions and try to apply them in the ways that they want to.

Are there any misconceptions about how the law applies to crypto, or how your decisions should be interpreted, that you wish you could get across? One misconception is that the judges can't understand this technology — we can. People have these views in two extremes. The lawyer's fundamental job is to take super complex and technical things and boil them down to very easily digestible arguments for a judge, for a jury, or whoever it might be.

The financial technology transformation is driving competition, creating consumer choice, and shaping the future of finance. Hear from seven fintech leaders who are reshaping the future of finance, and join the inaugural Financial Technology Association Fintech Summit to learn more.

Financial technology is breaking down barriers to financial services and delivering value to consumers, small businesses, and the economy. Fintech puts American consumers at the center of their finances and helps them manage their money responsibly.

From payment apps to budgeting and investing tools and alternative credit options, fintech makes it easier for consumers to pay for their purchases and build better financial habits. Fintech also arms small businesses with the financial tools for success, including low-cost banking services, digital accounting services, and expanded access to capital. We advocate for modernized financial policies and regulations that allow fintech innovation to drive competition in the economy and expand consumer choice.

Spots are still available for this hybrid event, and you can RSVP here to save your seat. Join us as we discuss how to shape the future of finance. In its broadest sense, Open Banking has created a secure and connected ecosystem that has led to an explosion of new and innovative solutions that benefit the customer, rapidly revolutionizing not just the banking industry but the way all companies do business.

Target benefits are delivered through speed, transparency, and security, and their impact can be seen across a diverse range of use cases. Sharing financial data across providers can enable a customer individual or business to have real-time access to multiple bank accounts across multiple institutions all in one platform, saving time and helping consumers get a more accurate picture of their own finances before taking on debt, providing a more reliable indication than most lending guidelines currently do.

Companies can also create carefully refined marketing profiles and therefore, finely tune their services to the specific need. Open Banking platforms like Klarna Kosma also provide a unique opportunity for businesses to overlay additional tools that add real value for users and deepen their customer relationships. The increased transparency brought about by Open Banking brings a vast array of additional benefits, such as helping fraud detection companies better monitor customer accounts and identify problems much earlier.

The list of new value-add solutions continues to grow. The speed of business has never been faster than it is today. For small business owners, time is at a premium as they are wearing multiple hats every day.

Macroeconomic challenges like inflation and supply chain issues are making successful money and cash flow management even more challenging. This presents a tremendous opportunity that innovation in fintech can solve by speeding up money movement, increasing access to capital, and making it easier to manage business operations in a central place. Fintech offers innovative products and services where outdated practices and processes offer limited options. For example, fintech is enabling increased access to capital for business owners from diverse and varying backgrounds by leveraging alternative data to evaluate creditworthiness and risk models.

This can positively impact all types of business owners, but especially those underserved by traditional financial service models. When we look across the Intuit QuickBooks platform and the overall fintech ecosystem, we see a variety of innovations fueled by AI and data science that are helping small businesses succeed. By efficiently embedding and connecting financial services like banking, payments, and lending to help small businesses, we can reinvent how SMBs get paid and enable greater access to the vital funds they need at critical points in their journey.

Overall, we see fintech as empowering people who have been left behind by antiquated financial systems, giving them real-time insights, tips, and tools they need to turn their financial dreams into a reality. Innovations in payments and financial technologies have helped transform daily life for millions of people.

People who are unbanked often rely on more expensive alternative financial products AFPs such as payday loans, money orders, and other expensive credit facilities that typically charge higher fees and interest rates, making it more likely that people have to dip into their savings to stay afloat.

A few examples include:. Mobile wallets - The unbanked may not have traditional bank accounts but can have verified mobile wallet accounts for shopping and bill payments. Their mobile wallet identity can be used to open a virtual bank account for secure and convenient online banking. Minimal to no-fee banking services - Fintech companies typically have much lower acquisition and operating costs than traditional financial institutions.

They are then able to pass on these savings in the form of no-fee or no-minimum-balance products to their customers. This enables immigrants and other populations that may be underbanked to move up the credit lifecycle to get additional forms of credit such as auto, home and education loans, etc. Entrepreneurs from every background, in every part of the world, should be empowered to start and scale global businesses. Most businesses still face daunting challenges with very basic matters.

These are still very manually intensive processes, and they are barriers to entrepreneurship in the form of paperwork, PDFs, faxes, and forms. Stripe is working to solve these rather mundane and boring challenges, almost always with an application programming interface that simplifies complex processes into a few clicks.

Stripe powers nearly half a million businesses in rural America. The internet economy is just beginning to make a real difference for businesses of all sizes in all kinds of places. We are excited about this future. The way we make decisions on credit should be fair and inclusive and done in a way that takes into account a greater picture of a person.

Lenders can better serve their borrowers with more data and better math. Zest AI has successfully built a compliant, consistent, and equitable AI-automated underwriting technology that lenders can utilize to help make their credit decisions. While artificial intelligence AI systems have been a tool historically used by sophisticated investors to maximize their returns, newer and more advanced AI systems will be the key innovation to democratize access to financial systems in the future.

D espite privacy, ethics, and bias issues that remain to be resolved with AI systems, the good news is that as large r datasets become progressively easier to interconnect, AI and related natural language processing NLP technology innovations are increasingly able to equalize access. T he even better news is that this democratization is taking multiple forms.

AI can be used to provide risk assessments necessary to bank those under-served or denied access. AI systems can also retrieve troves of data not used in traditional credit reports, including personal cash flow, payment applications usage, on-time utility payments, and other data buried within large datasets, to create fair and more accurate risk assessments essential to obtain credit and other financial services.

By expanding credit availability to historically underserved communities, AI enables them to gain credit and build wealth. Additionally, personalized portfolio management will become available to more people with the implementation and advancement of AI. Sophisticated financial advice and routine oversight, typically reserved for traditional investors, will allow individuals, including marginalized and low-income people, to maximize the value of their financial portfolios.

Moreover, when coupled with NLP technologies, even greater democratization can result as inexperienced investors can interact with AI systems in plain English, while providing an easier interface to financial markets than existing execution tools. Open finance technology enables millions of people to use the apps and services that they rely on to manage their financial lives — from overdraft protection, to money management, investing for retirement, or building credit.

More than 8 in 10 Americans are now using digital finance tools powered by open finance. This is because consumers see something they like or want — a new choice, more options, or lower costs. What is open finance? At its core, it is about putting consumers in control of their own data and allowing them to use it to get a better deal.

When people can easily switch to another company and bring their financial history with them, that presents real competition to legacy services and forces everyone to improve, with positive results for consumers.

For example, we see the impact this is having on large players being forced to drop overdraft fees or to compete to deliver products consumers want. We see the benefits of open finance first hand at Plaid, as we support thousands of companies, from the biggest fintechs, to startups, to large and small banks. All are building products that depend on one thing - consumers' ability to securely share their data to use different services.

Open finance has supported more inclusive, competitive financial systems for consumers and small businesses in the U. and across the globe — and there is room to do much more. As an example, the National Consumer Law Consumer recently put out a new report that looked at consumers providing access to their bank account data so their rent payments could inform their mortgage underwriting and help build credit. This is part of the promise of open finance. At Plaid, we believe a consumer should have a right to their own data, and agency over that data, no matter where it sits.

This will be essential to securing benefits of open finance for consumers for many years to come. As AWS preps for its annual re:Invent conference, Adam Selipsky talks product strategy, support for hybrid environments, and the value of the cloud in uncertain economic times. Donna Goodison dgoodison is Protocol's senior reporter focusing on enterprise infrastructure technology, from the 'Big 3' cloud computing providers to data centers.

She previously covered the public cloud at CRN after 15 years as a business reporter for the Boston Herald. AWS is gearing up for re:Invent, its annual cloud computing conference where announcements this year are expected to focus on its end-to-end data strategy and delivering new industry-specific services. Both prongs of that are important.

But cost-cutting is a reality for many customers given the worldwide economic turmoil, and AWS has seen an increase in customers looking to control their cloud spending. By the way, they should be doing that all the time. The motivation's just a little bit higher in the current economic situation. This interview has been edited and condensed for clarity. Besides the sheer growth of AWS, what do you think has changed the most while you were at Tableau?

Were you surprised by anything? The number of customers who are now deeply deployed on AWS, deployed in the cloud, in a way that's fundamental to their business and fundamental to their success surprised me. The principles and concept of the original design are still being followed, with the academic portions of the campus located inside the Ring Road, forming a perfect circle m 1, ft in diameter. This academic ring is a distinctive feature of the University of Victoria and was intended to foster interaction, intellectual sharing, and collaboration.

The area outside of Ring Road hosts important parts of the university, including the residential colleges now residence halls , Student Union Buildings, sports facilities, as well as some of the newer academic facilities which have expanded outwards in recent years The Faculties of Law and Theatre for example.

The following is a list of prominent buildings on the University of Victoria campus: [42]. The university offers on-campus housing for over 3, students. A variety of housing is available, including single and double dormitories, Cluster Housing apartment-style housing with four people per unit , bachelor and one-bedroom apartments, and family housing. Four buildings in one of the oldest residential complexes at the university are named for Emily Carr , Arthur Currie , Margaret Newton , and David Thompson.

The largest residence building in terms of capacity is Ring Road Hall, which holds beds and is split into three wings. The campus has become increasingly cycling-friendly.

Much of the university estate and endowment lands have been preserved as a nature setting, notably Finnerty Gardens and Mystic Vale , a 4. The large campus is home to deer, owls, ravens, squirrels and many other wild animals native to the area. A large population of domestic rabbits was a feature of the campus previously. In May , the university began trapping and euthanizing the rabbits [47] as they had been known to put athletes at risk in the playing fields and cause extensive damage to university grounds.

Local veterinarians offered to perform neutering of the male rabbits. As of July , the UVic campus is free of rabbits. The University of Victoria Libraries system is the second largest in British Columbia, being composed of three 'on-campus' libraries, the William C.

Priestly Law Library, and the MacLaurin Curriculum Library. The Library System has undergone significant growth in recent years thanks to the university's investment in library purchases and research. Amongst the highlights in the University of Victoria Archives and Special Collections are priceless items from Imperial Japan , to carbon dated original manuscripts of the Sancti Epiphanii.

The collection also includes extensive histories of colonial Victoria and the Colony of Vancouver Island among other documents. The library's digitization programme is becoming increasingly active in making materials available.

Renovations and new construction over the past decade have included special collections classrooms, an innovative Learning Commons and an art gallery. The UVic libraries collection includes extensive digital resources, over 2.

The University of Victoria houses the Education Heritage Museum, which displays educational history artifacts in the main hallway of the MacLaurin building.

The collection consists of manuscripts, texts, photographs, audio-visual material, lesson plans, posters, bells, ink bottles, fountain pens, desks, maps, athletic clothing, photographs, and school yearbooks used in kindergarten to grade 12 schools in Canada from the mids to the s.

The University of Victoria has two art collections University and Maltwood which host loan exhibitions, and exhibits of the works of students and faculty in the University Centre Exhibition Gallery. The University Collection, founded in by Dr. Hickman, Principal of Victoria College , consists of 6, works, mainly by contemporary artists practicing in British Columbia. The Maltwood Art Museum and Gallery, founded through the bequest of English sculptress and antiquarian, Katharine Emma Maltwood, F.

The collection of 12, works of fine, decorative and applied arts includes Oriental ceramics, costumes, rugs, seventeenth century English furniture, Canadian paintings and Katherine Maltwood's own sculptures.

The transgender Archives are a part of the University of Victoria Libraries and are committed to preserving the histories of pioneering activists, community leaders, and researchers who have made contributions to the betterment of trans, non-binary, and two-spirit people.

Since , at the Transgender Archives there has also been an active collection of documents, rare publications, and memorabilia of organizations or persons that had a hand in activism by and for trans, non-binary, and two-spirit people. The Transgender Archives are the largest in the world, and were rated in the top 12 Most Enlightening LGBTQ Museums in the World in Collections of the Transgendered Archive includes the Rikki Swin Institute collection, the Reed Erickson, the University of Ulster Trans-Gender Archive collection, and the Zenith Foundation.

With the support of Grants and Awards Librarian Christine Walde, it was published by the University of Victoria Libraries. The book focuses on the history of trans activism and research, and also includes information regarding the origin of the Transgender Archives as well as multiple examples from the collection. The book's first edition, which was released in , was a Lambda Literacy Awards finalist in LGBT nonfiction.

Some key members of the Transgender Archives include Aaron Devor, the university's Chair of Transgender Studies; [59] [60] and Lara Wilson, a university archivist and the director of special collections at the University of Victoria, as well as she is chairperson of the Canadian Council of Archives. Michael Radmacher he completed his MA in Political Science at the University of Victoria and also a Masters of Library and Information Science degree.

He is the Administrative Officer to the chair in Transgenderd Studies Chair in Transgender Studies and works with the Transgendered Archive.

The University of Victoria has acquired a portfolio of properties around Victoria, British Columbia , and across Vancouver Island. These include the Legacy Gallery in downtown Victoria, the University Club, the Inter-urban campus, a former Saanich-based lodge and retreat, the Swans Hotel and Restaurant complex, and the Queenswood Property. The large, partially forested Queenswood property has been proposed as a site of future expansion for the university.

The new downtown campus will be centered in buildings donated to the university and located around the historic Broad Street area, beside the old Bay Centre. Below is a list of undergraduate faculties, departments, and schools within the University of Victoria system.

UVic also offers a number of interdisciplinary undergraduate programs, including Applied Ethics, Arts of Canada, European Studies, Film Studies, Human Dimensions of Climate Change, Indigenous Studies, Latin American Studies, Social Justice Studies, and Technology and Society. The Peter B. Gustavson School of Business , formerly the Faculty of Business, was renamed following a donation by local entrepreneur Peter B.

This business school offers a wide range of programs including the BCom , MBA and other business degrees, EQUIS and AACSB accredited. The program starts with two years of general studies with 5 required classes and then the 3rd and 4th year are business intensive. Three co-op work terms are also required. MGB Program: The Peter B. Gustavson School of Business is also offering a program called the Master Of Global Business.

This program is in partnership with Montpellier Business School France and Sungkyunkwan University Korea. In September, The Peter B. Gustavson School of Business welcomes 35 students from 13 countries. The module mostly focuses on MBS courses such as Finance, Supply chain management, marketing etc.

The Faculty of Engineering and Computer Science admits approximately students into first-year programs each year. Students can specialize in the following disciplines: Biomedical Engineering , Civil Engineering , Computer Engineering , Computer Science , Electrical Engineering , Mechanical Engineering , and Software Engineering. The Faculty of Fine Arts splits into five different departments: Art History and Visual Studies, the School of Music, Theatre, Visual Arts and Writing.

It is one of few schools that has traditionally held two chairs of Islamic art, most recently filled by Anthony Welch and Marcus Milwright. Esi Edugyan , two time winner of the Giller Prize , is a graduate of the creative writing program. The Faculty of Humanities [74] consists of ten departments English, French, Genders Studies, Germanic and Slavic Studies, Greek and Roman Studies, Hispanic and Italian Studies, History, Linguistics, Pacific and Asian Studies, and Philosophy , as well as three Programs Latin American Studies, Medieval Studies, and Religious Studies.

The faculty offers certificates, minors, and majors leading to both BA and BSc degrees, as well as MA and PhD degrees. Languages, narratives, philosophies, histories—the Faculty of Humanities brings these all together in a critical context of analysis, interpretation, research, and communication. The University of Victoria Faculty of Law is consistently ranked as one of the best and most-applied to law schools in Canada. It offers a hands-on work experience program for young lawyers and an intensive environmental law program, featuring a course at Hakia Beach, BC in association with the Tula Foundation.

UVic Law has been deeply involved with many Aboriginal, ecological, and environmental cases in British Columbia, and continues this tradition today. UVic maintains this field station on the west coast of Vancouver Island, which is jointly run by the University of British Columbia, Simon Fraser University, the University of Alberta and the University of Calgary. The UVic School of Public Administration specializes in its M. and PhD. programs but also offers a selective admission minors program for political leaders and mid-career civil servants.

Continuing education has been an integral part of the University of Victoria since its inception in Today, the Division of Continuing Studies [80] provides adult and continuing education programming in co-operation with UVic faculties and community partners.

The Division of Continuing Studies offers a comprehensive portfolio of programs in a range of academic disciplines, using diploma, certificate and other programming models to serve adult, part-time and internationally dispersed students.

UVic is one of Canada's largest graduate schools, offering more than graduate programs across the university's faculties and departments. Their most popular graduate degrees are in the following areas:. UVic's Graduate programs range from individual interdisciplinary programs to graduate research programs. The university also offers students specialized degree options and doctoral options.

Admission to the University of Victoria is based on a selective academic system and is highly competitive. Each year, the university receives far more applications than there are spaces available, making it one of the most applied to institutions in Canada. Applicants are required to submit applications with their grade points average GPA and personal statements in order to be considered for admission. The university may also accept qualified applicants studying under IB programs, AP programs or other international distinctions.

Given its endowment, the University of Victoria is able to offer scholarships and financial aid to a large number of students. The University of Victoria has partnered with a number of research institutions to provide UVic students with the opportunity to gain research experience abroad. International conferences and study abroad opportunities are encouraged for all students, with many students completing a gap year before commencing their studies. Both UVic undergraduate and graduate students may travel abroad with UVic's many partner universities.

The University of Victoria has partnered with institutions around the world, including Sciences Po , University of London , University of Washington , Hong Kong University , Utrecht University , and the National University of Singapore.

The University of Victoria has ranked in a number of post-secondary rankings. In the Academic Ranking of World Universities rankings, the university ranked — in the world and 13—17 in Canada. Along with academic and research-based rankings, the university has also been ranked by publications that evaluate the employment prospects of its graduates.

In the Times Higher Education's global employability ranking, the university ranked rd in the world, and seventh in Canada. The university's research performance has been noted in several bibliometric university rankings, which uses citation analysis to evaluate the impact a university has on academic publications.

In , the Performance Ranking of Scientific Papers for World Universities ranked the university th in the world, and 15th in Canada. The university maintains a field station on the west coast of Vancouver Island to conduct marine research. The facility is jointly run by the University of British Columbia, Simon Fraser University, the University of Alberta and the University of Calgary. Undergraduates at the University of Victoria have full access to research and learning at this facility.

In the university, in collaboration with the provincial government purchased and modified a state of the art ocean vessel capable of launching 'deep sea submersibles' and conducting long-range marine biology research expeditions. The 'floating laboratory' is undergoing upgrades and expansions currently and was scheduled to be in service by late Located in the Greater Victoria area the university's legal centre provides free legal assistance to the disadvantaged as well as dealing with important environmental cases in British Columbia.

The UVic Law Center is the only full-time, term clinical program offered by a Canadian law school. The program reflects the faculty's emphasis on integrating legal theory, legal skills, and community service while providing students with unique education and research opportunities.

Located in the Greater Victoria area the Vancouver Island Technology Park is a state of the art, 35 acre commercial research facility. It is the largest university-owned technology centre in BC.

The venture allows the university to work with leading technology and biomedical companies while provided students with unparalleled research opportunities. The UVic Genome BC Proteomics Centre and a number of other research institutes are based out of the research park.

The Capital Regional District is a major commercial hub for technology companies. Several fraternities, sororities, and secret societies exist on the University of Victoria, despite the fact that the Students' Society does not recognize fraternities, sororities, or societies on the basis that they, by definition, seek to exclude portions of the membership.

This issue was once a topic of debate in student politics at the University of Victoria in Many years ago, University of Victoria students started a fraternity, two sororities and one non-exclusive, non-profit social-service club.

Although the fraternities and sororities have no affiliation with the University of Victoria itself, they continue to thrive and have purchased nearby properties. The fraternities and sororities on campus are as follows:.

CFUV is a long-standing campus radio station focusing on the campus and the surrounding community. CFUV serves Greater Victoria at The University of Victoria maintains several residence halls on campus, which were originally based on the Oxbridge Collegiate model of constituent colleges which serve as a smaller, more personal home environment to the students of the wider university.

The university no longer operates these halls as individual colleges, but rather as halls of residences as well as dormitories and apartments as part of the Residence Life and Education department. Today, all halls of residence are equipped with Common Rooms and high-speed internet for students.

Most UVic students live on campus or within a few blocks of the main site. The oldest and most famous of these residence halls is Craigdarroch, which features large stone-clad buildings and ivy covered walkways and courtyards.

The modernist Lansdowne Halls feature six buildings connected by a series of bridges, walkways, and tunnels, including the popular 'UVic Underground'. Gordon Head and Ring Road Hall feature rooms and amenities for students, organized around a series of large courtyards.

In the centre of the Residence Village is the Cadboro Commons and a number of restaurants operated by the university, where students may eat and study. A mixture of dorms, single rooms, apartments, cluster studios, and family housing are available but decided by lottery system. First year students are guaranteed accommodation in one of the Residence Halls of campus.

UVic's oldest and most recognized [ citation needed ] weekly student newspaper, founded in , is The Martlet. It is distributed all over campus and the Greater Victoria area. The paper is named after the legendary martlet bird, whose inability to land is often seen to symbolize the constant quest for knowledge, learning, and adventure. The Martlet is partly funded by student fees. The Martlet is the only independent campus newspaper at the University of Victoria, and therefore one of the only publications that has the time and resources to fully hold both the University of Victoria and the University of Victoria Students' Society UVSS accountable.

The Martlet regularly reports on UVic Board of Governors and Senate meetings, as well as University of Victoria Students' Society Board meetings and elections. Today, The Martlet has a wide circulation [ citation needed ] and can be found in coffee shops, theatres, grocery stores, offices, and street corners throughout Victoria, British Columbia.

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Megapack [ 3 MWh ] Powerpack [ kWh ] Powerwall [ 13 kWh ]. Superchargers Megachargers. Solar roof. Tesla Bot. Robyn Denholm Chairman Elon Musk CEO Zach Kirkhorn CFO Drew Baglino CTO Franz von Holzhausen Chief Designer. Joe Gebbia board Hiromichi Mizuno board James Murdoch board Kimbal Musk board Kathleen Wilson-Thompson board. Deepak Ahuja two-time CFO Ze'ev Drori second CEO Martin Eberhard co-founder, inaugural CEO Larry Ellison board Andrej Karpathy AI Arnnon Geshuri HR Jérôme Guillen President of Automotive Jim Keller chipset Chris Lattner Autopilot Marc Tarpenning co-founder, inaugural CFO J.

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A federal appeals court struck a major blow against the Consumer Financial Protection Bureau with a finding that its funding mechanism is unconstitutional. The decision is likely to be challenged, setting up a major fight for the future of the top U. consumer-finance watchdog. As set up under the Dodd-Frank Act, the CFPB is funded by the Federal Reserve rather than congressional appropriations.

But Republicans have chafed at what they view as anti-business practices and a lack of oversight. The structure has been the target of legal challenges before. Democratic Sen. Elizabeth Warren, who oversaw the CFPB's creation , responded to the ruling on Twitter, writing that "extreme right-wing judges are throwing into question every rule the CFPB enforces to protect consumers and businesses alike. Republican Sen. Cynthia Lummis, meanwhile, said the CFPB "needs the same Congressional oversight as every other government agency.

The CFPB is expected to challenge the ruling, though it has yet to confirm that. To that point, the CFPB issued new guidance to credit-reporting agencies Thursday about omitting what it called "junk data" from credit reports. The CFPB has faced several challenges to its existence over its 11 years in business.

In , the Supreme Court ruled that restrictions on when its leader can be removed were unconstitutional, but rejected a plea to strike down the agency as a whole. The most significant fear from progressive lawmakers and consumer groups is that the CFPB could see its resources chopped if left to the whims of Congress.

Public Interest Research Group. The new court decision comes as the CFPB, under Biden-appointed director Rohit Chopra , has taken a more aggressive stance toward the financial industry than his Trump administration predecessors. Chopra has also promised scrutiny over the way large technology companies are expanding into financial services. But the agency is also taking up initiatives with fintech industry support, including finally setting up open-banking rules to guide data-sharing between financial institutions and tech companies.

What the ruling means for the fintech industry remains to be seen. While regulators and companies can occasionally come into conflict, the agencies also serve an important role in providing rules of the road and certainty for business models. His decisions on major cryptocurrency cases have quoted "The Big Lebowski," "SNL," and "Dr.

The ways Zia Faruqui right has weighed on cases that have come before him can give lawyers clues as to what legal frameworks will pass muster. Veronica Irwin vronirwin is a San Francisco-based reporter at Protocol covering fintech. Previously she was at the San Francisco Examiner, covering tech from a hyper-local angle. Before that, her byline was featured in SF Weekly, The Nation, Techworker, Ms.

Magazine and The Frisc. One hundred percent electronic. The author is Magistrate Judge Zia Faruqui. His rulings have made smart references to "The Big Lebowski," "Dr. Strangelove," and "SNL" parodies of the McLaughlin Group. Rather, before taking the judge position Faruqui was one of a group of prosecutors in the U.

There, Faruqui prosecuted cases that involved terrorism, child pornography, and weapons proliferation. But the ways Faruqui has weighed on cases that have come before him can give lawyers clues as to what legal frameworks will pass muster. Crypto lawyers have drawn on his prior decisions in the context of the Tornado Cash sanctions, for example.

Faruqui spoke with Protocol about the power of his position, and what people in crypto should understand about the law. There was another prosecutor, Christopher Brown — you know, the other Chris Brown — and he had taken an interest in this when we were both working on financial crime in the Washington, D.

Our U. attorney at the time, Jessie Liu, had this idea of using financial investigations in a way that was not limited to just white collar crime, or even narcotics cases, but also for cyber investigations, to national security investigations, and in civil cases. A lot of what we were investigating was related to following the money and so she wanted us to be this multidisciplinary unit. But I have to say, we started with the goal of wanting to make T-shirts, and we never did that while I was there.

Your decisions have also gotten a lot of attention. We're public servants! And in order for the public to have faith and trust us, they need to understand what it is that we're doing and what we're saying. Humor is one way, not using a lot of legalese is another way. But I think there are many judges who are trying to make the judiciary more accessible, and so people can see the work that we're doing and understand what we're doing and then make their own opinions about if it's right or wrong.

But at least, if it's understandable, then there's still some trust in the framework even if you don't agree with how our decisions are stated. We are ambassadors for the judiciary to the people in our courtroom — it's a very frightening proposition being in court if you've been federally charged, and people have perceptions of what they think can happen there in terms of fairness or unfairness. But then it goes far beyond that. I do a lot of work with the Administrative Office of the Courts, our central body doing civic education and outreach to high schools, because I want college and high school students and law students to have an experience where they get a chance to talk to a judge.

So my goal is certainly not just getting to one segment of the population, but it's making decisions accessible to whoever's interested in reading them. What has it felt like for you switching from that prosecutor role to magistrate judge? Lawyers are trying to take different frameworks from one topic and apply them to another, and then convince you that that is or is not appropriate. Being a judge is very different because you're evaluating what the parties present to you as the applicable legal frameworks, and deciding how new, groundbreaking technology fits into legal frameworks that were written 10 or 15 years ago.

But that's not really a place where judges get involved in saying how it ought to be regulated. There was, famously, a judge in Florida that said cryptocurrency was not money because you couldn't put it underneath your bed, and that's what money is: something that is tangible. So different people are going to have different decisions. And that's not just true for crypto, but also other areas of the law. Your best-known crypto decisions strongly assert that crypto is traceable. One way people try to make it less traceable is with mixers, and Tornado Cash was sanctioned by OFAC not too long ago.

Do you think the legal reasoning was sound enough for similar sanctions to be applied to other mixers, or decentralized exchanges?

I don't know. I think there's been some discussion that people may litigate some of these things, so I can't comment, because those frequently do come to our courthouse.

And I think there are certainly people opining on that, yes and no. So much of what judges do is that we rely on the parties that are before us to tell us what's right and what's wrong. And then, you know, obviously, they'll have different views, and we make a decision based on what people say in front of us. Are you aware that some legal analysis of the Tornado Cash sanctions references your recent decision in a cryptocurrency sanctions case? That's what good lawyers will always do. Even legislators might look at that as they try to think about where the gaps are.

As a prosecutor I had a case where we sued three Chinese banks to give us their bank records, and it had never been done before. Afterwards, Congress passed a new law, using the decisions from judges in this court and the D. circuit court, the court above us. So I'm sure people look at prior decisions and try to apply them in the ways that they want to.

Are there any misconceptions about how the law applies to crypto, or how your decisions should be interpreted, that you wish you could get across? One misconception is that the judges can't understand this technology — we can.

People have these views in two extremes. The lawyer's fundamental job is to take super complex and technical things and boil them down to very easily digestible arguments for a judge, for a jury, or whoever it might be.

The financial technology transformation is driving competition, creating consumer choice, and shaping the future of finance. Hear from seven fintech leaders who are reshaping the future of finance, and join the inaugural Financial Technology Association Fintech Summit to learn more. Financial technology is breaking down barriers to financial services and delivering value to consumers, small businesses, and the economy.

Fintech puts American consumers at the center of their finances and helps them manage their money responsibly. From payment apps to budgeting and investing tools and alternative credit options, fintech makes it easier for consumers to pay for their purchases and build better financial habits.

Fintech also arms small businesses with the financial tools for success, including low-cost banking services, digital accounting services, and expanded access to capital.

We advocate for modernized financial policies and regulations that allow fintech innovation to drive competition in the economy and expand consumer choice. Spots are still available for this hybrid event, and you can RSVP here to save your seat. Join us as we discuss how to shape the future of finance. In its broadest sense, Open Banking has created a secure and connected ecosystem that has led to an explosion of new and innovative solutions that benefit the customer, rapidly revolutionizing not just the banking industry but the way all companies do business.

Target benefits are delivered through speed, transparency, and security, and their impact can be seen across a diverse range of use cases. Sharing financial data across providers can enable a customer individual or business to have real-time access to multiple bank accounts across multiple institutions all in one platform, saving time and helping consumers get a more accurate picture of their own finances before taking on debt, providing a more reliable indication than most lending guidelines currently do.

Companies can also create carefully refined marketing profiles and therefore, finely tune their services to the specific need. Open Banking platforms like Klarna Kosma also provide a unique opportunity for businesses to overlay additional tools that add real value for users and deepen their customer relationships. The increased transparency brought about by Open Banking brings a vast array of additional benefits, such as helping fraud detection companies better monitor customer accounts and identify problems much earlier.

The list of new value-add solutions continues to grow. The speed of business has never been faster than it is today. For small business owners, time is at a premium as they are wearing multiple hats every day. Macroeconomic challenges like inflation and supply chain issues are making successful money and cash flow management even more challenging. This presents a tremendous opportunity that innovation in fintech can solve by speeding up money movement, increasing access to capital, and making it easier to manage business operations in a central place.

Fintech offers innovative products and services where outdated practices and processes offer limited options. For example, fintech is enabling increased access to capital for business owners from diverse and varying backgrounds by leveraging alternative data to evaluate creditworthiness and risk models.

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Web20/10/ · From payment apps to budgeting and investing tools and alternative credit options, fintech makes it easier for consumers to pay for their purchases and build better financial habits. Nearly half of fintech users say their finances are better due to fintech and save more than $50 a month on interest and fees. Fintech also arms small businesses WebHistory. The University of Victoria is the oldest post-secondary institution in British Columbia, established in as an affiliated college of McGill University before gaining full autonomy through a charter on July 1, Victoria College, which had been established in as an affiliated college of McGill University, gained autonomy and full degree WebBrowse our listings to find jobs in Germany for expats, including jobs for English speakers or those in your native language WebAbout Our Coalition. Prop 30 is supported by a coalition including CalFire Firefighters, the American Lung Association, environmental organizations, electrical workers and businesses that want to improve California’s air quality by fighting and preventing wildfires and reducing air pollution from vehicles WebElon Reeve Musk was born on June 28, , in Pretoria, one of South Africa's capital cities. Musk has British and Pennsylvania Dutch ancestry. His mother is Maye Musk (née Haldeman), a model and dietitian born in Saskatchewan, Canada, and raised in South Africa. His father, Errol Musk, is a South African electromechanical engineer, pilot, sailor, Web12/10/ · Microsoft pleaded for its deal on the day of the Phase 2 decision last month, but now the gloves are well and truly off. Microsoft describes the CMA’s concerns as “misplaced” and says that ... read more

October 27, Retrieved March 15, — via PressReader. Between the years —, the enrolment at Victoria College did not very often reach above In , the UVSS Student Union building underwent a major overhaul and renovation. Hear from seven fintech leaders who are reshaping the future of finance, and join the inaugural Financial Technology Association Fintech Summit to learn more. Portals : Biography Business Canada Cars Companies Ecology Energy Internet Renewable energy Space South Africa Technology United States.

The main event of UVic Orientation, which takes place on the day immediately preceding the first day of classes, has gone by a number of names over the years. machine learning, binary options endorsed by henry sy. Archived from the original on May 28, Archived from the original on April 17, Retrieved on Sports and Recreation Clubs. Musk with Senator Dianne Feinstein at the opening of the Tesla Fremont Factoryand with Vice President Mike Pence at the Kennedy Space Center before SpaceX's Crew Dragon Demo-2 launch

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