[{"source":"Scoop.it - Documentation juridique (Stéphan Cottin)","id":3218421,"description":"This article belongs to the debate » Thinking Machines, Thinking Lawyers14 October 2026The (Currently) Uneven Intelligence of AI in Comparative Constitutional Law From Years of Research to a Single Prompt? Artificial intelligence (AI) has the potential to accelerate and improve the quality of research. This potential has inspired numerous projects exploring how AI could help scholarship on constitutional law. For example, there is research using AI to interpret constitutions,1) apply constitutional principles,2) and predict court rulings.3) Even the question of whether AI could improve the process of constitution-making has been studied.4) AI’s potential is particularly significant for comparative constitutional research. Systematically comparing legal systems requires locating sources from different jurisdictions, which are often difficult to access and only available in local languages. The creation of comparative legal datasets has thus involved considerable personnel, time, and financial resources. AI can overcome many of these obstacles. AI models can search for and translate foreign-language sources, filter them, and convert the filtered information into a dataset. In doing so, AI offers the prospect of datasets — which previously required years of research and the efforts of numerous experts and research assistants to compile — being just a prompt away. However, whether AI models can generate comparative law datasets that are qualitatively comparable to human-coded datasets has not yet been addressed (although Guha et al provide an example for a broader legal benchmarking exercise).5) We therefore conducted our own benchmarking study.6) We found evidence suggesting that recent AI models may be able to code simple factual data, but they are likely unreliable substitutes for expert human coders when conceptual or interpretive judgment is required. The Benchmarking Project: Seven Coding Tasks, Four Datasets, Two LLMs In our project, we tested the ability of two large language models (LLMs) to code different types of information relevant to comparative constitutional law. We specifically assessed whether LLMs can reproduce information from four existing comparative constitutional law datasets, all of which were compiled through human coding and which served as a ‘ground truth’ for our exercise. From these datasets, we asked the LLMs to code seven variables, which can be thought of as seven tasks relevant to the creation of comparative constitutional law datasets. Each of these tasks is either a test of fact-finding or reasoning abilities. First, from the Executive Term Limit Evasion Dataset,7) we drew information on whether presidents in 106 presidential systems have evaded constitutionally mandated term limits between 2000 and 2019. The dataset includes one variable on whether presidents attempt to overstay past the end of their term. The second variable captures what strategies executives use for doing so, such as amending the constitution, replacing it with a new one, or asking the court to interpret term limits out of the constitution. While determining whether a president overstayed is a fact-finding task, assessing the strategy used to do so requires reasoning. Second, from the Comparative Constitution Making Dataset,8) we drew information on the process by which constitutions were adopted in democracies between 1900 and 2015. This dataset also includes fact-finding variables such as (1) whether citizens were involved in the formulation, discussion, or submission of reform proposals, and (2) whether citizens participated in popular referendums at any stage in the process. The dataset’s most important variable (3) captures whether constitutions reflect ‘plural elite agreement,’ that is, whether all relevant elite factions in society were involved and represented during the process. The recreation of this variable requires reasoning. Third, from the Characteristics of National Constitutions Dataset9), we drew on its coding of 43 first-generation constitutional","pubDate":"Thu, 15 Oct 2026 08:26:22 +0200","url":"https://verfassungsblog.de/the-currently-uneven-intelligence-of-ai-in-comparative-constitutional-law/","titre":"The (Currently) Uneven Intelligence of AI in Comparative Constitutional Law"},{"source":"FTC USA Business Blog Posts","id":3201875,"description":"Setting the debt parking brake lfair November 30, 2020 | 12:14PM Setting the debt parking brake By Lesley Fair What are the biggest risks of parking? A dinged door? A bruised bumper? For consumers victimized by the pernicious practice of debt parking, the impact on their financial health can be devastating. And if you’re a debt collector who engages in debt parking, an FTC settlement with Midwest Recovery Systems suggests you could face law enforcement action for violations of the FTC Act, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. Just what is debt parking? It’s the practice of placing purported debts on consumers’ credit reports without first attempting to communicate with the consumer about the debt. Some call it “passive debt collection,” but there’s nothing passive about the injury it can inflict. Consumers often don’t learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up – even though they may not actually owe the money. That’s the tactic the FTC says Missouri-based Midwest Recovery Systems and owners Brandon M. Tumber, Kenny W. Conway, and Joseph H. Smith engaged in. According to the lawsuit, since at least 2015, the defendants have reported to credit reporting agencies more than $98 million in bogus or highly questionable debts for payday loans, debts subject to unresolved fraud claims, debts in bankruptcy, debts in the process of being rebilled to consumers’ medical insurance, and even debts people had already paid. The FTC alleges the defendants continued to collect those debts even in the face of billowing red flags about their validity. In fact, when consumers were able to dispute the purported debts, the defendants have regularly concluded that between 80% and 97% of them were either inaccurate or invalid. That’s not surprising, given that many of those debts originated from certain payday lenders and others whom the FTC has sued for their own illegal practices. Here’s an example cited in the complaint of how the defendants used debt parking to help line their pockets with millions in gross revenue. When applying for a mortgage, a consumer was told that an outstanding medical debt of $1,500 had lowered his credit score, which threatened to put the kibosh on buying a house. He contacted the hospital where he supposedly owed the debt, only to be told that he owed just an $80 co-pay. In spite of that, the FTC says the defendants refused to remove the debt and threatened the consumer with a lawsuit if he didn’t pony up. His complaint was one of thousands that Midwest Recovery received. For people who work in the collections field, the pleading in this case merit a careful read. In addition to alleging the defendants made false or unsubstantiated representations in violation of the FTC Act and the Fair Debt Collection Practices Act , the complaint expressly challenges their debt parking tactics as an unfair practice under the FDCPA. The FTC says they also violated the FDCPA by failing to provide validation notices – one of the protections in the statute designed to ensure consumers have the information they need to dispute an invalid debt. Three other counts charge the defendants with violating the Fair Credit Reporting Act by furnishing information to credit reporting agencies they knew or had reasonable cause to believe was inaccurate, by failing to conduct reasonable investigations of disputes, and by failing to report the results of those investigations to consumers. The settlement suggests some takeaway tips for others in the collections ecosystem. Consumers’ credit reports are a NO PARKING zone. This is the first FTC case to address debt parking – and thus the first to challenge the practice as unfair under the FDCPA – but the message couldn’t be clearer. Debt collectors that park fake or","pubDate":"Wed, 07 Oct 2026 14:05:06 +0200","url":"https://www.ftc.gov/business-guidance/blog/2020/11/setting-debt-parking-brake","titre":"Setting the debt parking brake"},{"pubDate":"Tue, 06 Oct 2026 14:06:39 +0200","url":"https://www.ftc.gov/business-guidance/blog/2017/07/we-cant-go-no-can-do","titre":"We can’t go for that (no can do)","id":3200011,"description":"We can’t go for that (no can do) lfair July 17, 2017 | 11:38AM We can’t go for that (no can do) By Lesley Fair Of course, phantom debt collection – the practice of pressuring people to pay “debts” they don’t owe – harms consumers. But as an FTC complaint demonstrates, when phantom debt collectors strike, they could affect your company, too. According to the FTC , a Florida-based outfit engaged in a scheme to defraud consumers through the collection of debts people didn’t actually owe or the company didn’t have the authority to collect. The complaint charges that the defendants – Hardco Holding Group, S & H Financial Group, Dequan M. Sicard, and Daryl M. Hall (no, not that Daryl Hall) – violated the FTC Act and Fair Debt Collection Practices Act. When contacting consumers, in many instances the defendants allegedly impersonated attorneys and threatened to have people thrown in jail if they didn’t pay up on delinquent payday loans – loans, remember, that many consumers didn’t take out in the first place and defendants didn’t have the right to collect. One tactic involved contacting people with a “case number” and directing them to dial a callback number. On the second call, the defendants allegedly said they were affiliated with named law firms and that the consumer had committed a felony, could go to prison, or faced arrest. According to the complaint , to boost the credibility of their threat of pending or imminent legal action, the defendants claimed to have the consumer’s Social Security number, bank account number, or contact information for family members. Afraid of legal repercussions, many consumers knuckled under to the demand for payment. The FTC says the defendants also told third parties that consumers owed money, a violation of the FDCPA. In addition, the complaint charges that the defendants didn’t disclose their identity to consumers, failed to provide proper validation notices, and used other false, misleading, and abusive tactics. Phantom debt collectors unquestionably injure consumers, but how could conduct like that affect your company? According to the lawsuit, when pressed to identify themselves, the defendants often gave the names or addresses of legitimate small businesses that had nothing to do with the purported debt or the debt collectors. When concerned consumers contacted those companies to complain, their employees got an understandably angry earful. From the FTC’s perspective, unrelated small businesses shouldn’t have their reputations sullied by others’ allegedly illegal tactics. A federal court in Orlando has temporarily halted the operation and frozen its assets. The FTC wants to stop the illegal practices once and for all. What can consumers do if they’re getting calls for debts they don’t owe ? File a complaint with the FTC. How can small businesses help protect their good names? Every now and then, do a selfie search with your company name and a word like “debt.” If you see consumer posts that suggest that a debt collector is illegally using your name – or if your employees are getting complaints about debt collection calls supposedly coming from your company – let the FTC know about it , too. In the meantime, businesses looking for FDCPA compliance resources can visit the FTC’s debt collection page for some – in the words of the other Daryl Hall (and let’s not forget John Oates) – “Adult Education.”","source":"FTC USA Business Blog Posts"},{"pubDate":"Tue, 06 Oct 2026 08:06:24 +0200","url":"https://www.ftc.gov/business-guidance/blog/2018/03/ftc-recaps-consumer-complaint-data-2017-whos-list","titre":"FTC recaps consumer complaint data for 2017: Who’s on the list?","id":3199077,"description":"FTC recaps consumer complaint data for 2017: Who’s on the list? lfair March 1, 2018 | 5:17PM FTC recaps consumer complaint data for 2017: Who’s on the list? By Lesley Fair Once bitten, twice shy. That fundamental principle of human behavior is why reputable businesses that work hard to earn consumers’ confidence should support the FTC’s ongoing efforts to fight fraud. According to the FTC’s 2017 Consumer Sentinel Data Book , consumers reported losing a total of $905 million to fraud last year. That’s close to a billion bucks people won’t be able to spend on legitimate products and services from credible companies. That figure is up $63 million from last year, although the total number of reports received from consumers is down from 2.98 million in 2016 to 2.68 million in 2017. Topping the list that no industry wants to be on is debt collection, making up 23% of the total number of complaints. But there are two caveats: 1) that number is down from 2016; and 2) the high number of debt collection reports was due in part to reports submitted by a data contributor who collects complaints via a mobile app. Second on the list is identity theft at 14%. The injury to consumers came in two equally unpalatable flavors. Credit card fraud was the most common manifestation. Tax fraud was next, but the glimmer of hope there is that the total number of tax-related identity theft complaints fell by 46%. Winners of the dubious bronze medal were imposter scams , with consumers reporting financial losses of a whopping $328 million. Imposters wear many masks: “I’m with [big-name tech company] and your computer is riddled with viruses,” “Help, Grampa! I’ve been arrested and need bail money,” and “We’re from [government agency] and we’ll arrest you if you don’t pay us today.” Nearly one in five consumers who reported an imposter scam said they lost money to the fraud. For the first time, the Consumer Sentinel Data Book breaks out fraud losses by reported age groups and here’s a result that may surprise you: Consumers in their 20s reported losing money to fraud more often than those over 70. Among 20-somethings who reported fraud, 40% said they lost money. Compare that with the over-70 crowd, only 18% of whom reported a financial loss. But there’s a troubling aspect to that surprising factoid. When older adults did report losing money to a scammer, the loss was much greater. For example, people 80 and older reported median losses of $1,092 compared to $400 for those in their 20s. Wire transfers continue to be scammers’ preferred payment method and in 70% of the complaints we received, the fraudster contacted the consumer by phone. The top states for reporting fraud were Florida, Georgia and Nevada, while Michigan, Florida and California had the most reports about identity theft, per capita. Stats cats tell us that they find our state-by-state data dive helpful, so we’ve created a new webpage to make it easier to evaluate the information. The bottom line for business people: Educate.   Use your status in the community to spread the word to employees, industry colleagues, and friends about the latest forms of fraud. One way to stay in the know: Sign up for scam alerts from the FTC. Cooperate.  If people you know suspect that their identity has been compromised, send them to identitytheft.gov to create a personal recovery plan. (And remember that your company may have a legal obligation to provide identity theft victims and law enforcers with transaction records related to ID theft.) Report.   When you spot a scam, report it to the FTC . We’re talking about fraud directed to consumers and questionable promotions targeting small businesses. Your reports have helped the FTC and other law enforcement agencies put together cases against the con artists behind bogus business directories, office supply flimflams, and other forms of B2B fraud. Consumer Sentinel is an online database available to civil","source":"FTC USA Business Blog Posts"},{"url":"https://www.ftc.gov/business-guidance/blog/2023/05/franchise-fundamentals-taking-deep-dive-franchise-disclosure-document","titre":"Franchise Fundamentals: Taking a deep dive into the Franchise Disclosure Document","pubDate":"Tue, 06 Oct 2026 08:06:24 +0200","source":"FTC USA Business Blog Posts","description":"Franchise Fundamentals: Taking a deep dive into the Franchise Disclosure Document lfair May 23, 2023 | 6:41PM Franchise Fundamentals: Taking a deep dive into the Franchise Disclosure Document By Lesley Fair Love at first sight may (or may not) be a real thing, but when it comes to investing your money, it’s unwise to fall for a franchise without first subjecting it to tough-minded scrutiny. The third in the FTC’s Franchise Fundamentals blog series walks through an essential part of that evaluation: an in-depth review of the Financial Disclosure Document (FDD) required by the FTC’s Franchise Rule . You must receive the Franchise Disclosure Document at least 14 days before you’re asked to sign any contract or pay any money to the franchisor or one of its affiliates. In fact, you have the right to the FDD once the franchisor has received your application and agrees to consider it. So speak up if you don’t receive it and ask questions – lots of them – as you review the FDD and any attached documents.   Image Indeed, the franchisor’s conduct regarding the FDD may raise some red flags about how they do business. Providing the FDD doesn’t establish that a franchisor is reputable – it’s required by law, after all – but if a franchisor doesn’t promptly provide this mandatory document, gives you an incomplete FDD, evades your probing questions, or tries to rush you through the process, it doesn’t speak well of their approach to legal compliance.  Assuming you have the FDD in hand, let’s consider some of the 23 required items line by line. Here are things to look for as you review the FDD. Franchisor’s Background (FDD Item 1) Item 1 provides background information about the franchisor and any parent companies, predecessors, and affiliates, including how long the franchise has been in business. It also lets you know if there are any legal requirements unique to the franchised business, like the need to get a special license or permit. This can help you understand the costs and risks you would be taking on. Business Background (FDD Item 2) Remember the old adage “People are known by the company they keep”? Well, companies are known by the people they keep, which is why Item 2 identifies directors, principal officers, and other key executives. Pay attention to their business backgrounds, their experience in managing a franchise system, and how long they’ve been with the franchisor. Litigation History (FDD Item 3) Item 3 lists information about prior litigation, including whether the franchisor or any of its executive officers have been convicted of certain crimes or have been found liable – or settled lawsuits – related to the franchise relationship. Lawsuits against the franchisor could mean it hasn’t honored its agreements or that franchisees are dissatisfied with its performance. Item 3 also says whether the franchisor has sued any of its franchisees in the past year. That information could suggest problems in the franchise system. For example, if a franchisor sued franchisees for failing to pay royalties, was it because franchisees weren’t successful and couldn’t make their royalty payments? Bankruptcy (FDD Item 4) Have the franchisor, its affiliates, or any of its executives filed for bankruptcy? Item 4 discloses that information and could give you insights into the financial condition of the business.  Initial and Other Fees (FDD Items 5-7) Items 5-7 go over some of the costs involved in starting and operating a franchise. That could include things like deposits or franchise fees (some of which may be non-refundable); what you’ll have to pay for initial inventory, signs, equipment, leases, or rentals; and ongoing costs, like royalties and advertising fees. A Consumer’s Guide to Buying a Franchise suggests more than a dozen other areas of financial inquiry, which should give you an indication about the importance of both getting in touch with your inner bean","id":3199079},{"titre":"New FTC warning letters cite unsupported Coronavirus-related health and earnings claims","url":"https://www.ftc.gov/business-guidance/blog/2020/04/new-ftc-warning-letters-cite-unsupported-coronavirus-related-health-earnings-claims","pubDate":"Mon, 05 Oct 2026 08:07:08 +0200","description":"New FTC warning letters cite unsupported Coronavirus-related health and earnings claims sgressin April 24, 2020 | 12:44PM New FTC warning letters cite unsupported Coronavirus-related health and earnings claims By Seena Gressin The FTC is not the pen pal you want if you operate a multi-level marketing company but aren’t closely monitoring your distributors. In its latest round of warning letters, the FTC warns ten MLM companies that they are responsible for the claims made by their participants. The letters direct the companies to report within 48 hours what actions they’ve taken to stop their distributors from claiming their products can treat or prevent Coronavirus disease, that MLM business opportunity participants are likely to earn substantial income, or both. The FTC says that the health and earnings claims are unsubstantiated and therefore violate truth-in-advertising laws. The products at issue are not scientifically proven to treat or prevent COVID-19, the disease that Coronavirus causes. The FTC previously has sent warning letters to companies about their Coronavirus-related health claims, but the new letters are the first to also target claims about potential business opportunity earnings. The letters come at a time when millions of people are out of work and facing financial challenges as a result of the pandemic. MLM companies rely on a network of independent distributors, sometimes called business opportunity participants, to buy and resell their products, often through direct person-to-person sales or online. MLMs typically offer participants a cut of the sales made by people the participant recruits to invest in the business opportunity. The new recruits then try to sell the products, and try to recruit more people to do the same. Most people who join MLMs make little or no money. According to the FTC, distributors of the MLM companies receiving the letters have posted promotional messages on Facebook, Instagram, and other social media sites. Health claims the FTC letters cite include: “STAY SAFE!! MAKE YOUR IMMUNE SYSTEM STRONG!!!” Standard coronavirus protection kit . #antiseptics and #immunity_support.” “HOW WILL YOU FIGHT OFF CORONA? USE NUTRABURST-CHAGA- .... #coronacure #coronaprevention ... #immunesupport #immunebooster ... #immunesystembooster” “Got the coronavirus heebeegeebees? Boost your immunity with this amazing deal!!!!” “... If interested to learn more or obtain oils or rollers Let me know A little extra protection can help #doterra #NursesCOVID19 #Dialysis #ImmunityBoosters #ImproveRespiratoryFunction” Earnings claims the FTC letters cite include: “...Living in quarantine and where 14 million people applied for unemployment just last week ... I’ll stick with the opportunity to change people’s lives ... turn a small investment into six figures .... #arbonne ... #quarantine #2020” “Need to make extra money? Find it difficult to pay your bills? Were you laid off/ #fired? Be your own Boss w/doTERRA essential oils. Msg me to achieve financial independence #laidoff #unemployed #cantpaymybills #cantpaymyrent #student #sales #sidehustle #makemoney #stayathomemom.” “[E]veryone’s getting stimulus checks right now... There is no better investment you could do... Take that money that you’re about to get back... figure out a way to make this happen tonight.” In the letters alleging unsubstantiated health claims, FTC staff reminds the companies that, under the FTC Act, claims that a product can prevent, treat, or cure a serious disease require the support of well-controlled human clinical studies. Because “no such study is currently known to exist” for the advertised products, the FTC says the companies “must immediately cease making all such claims.” In the letters alleging deceptive earnings claims, FTC staff reminds the companies that under the FTC Act, “claims about the potential to achieve a wealthy lifestyle, career-level income, or significant","id":3197413,"source":"FTC USA Business Blog Posts"},{"url":"https://www.ftc.gov/business-guidance/blog/2016/05/judge-orders-134-million-contempt-action-challenging-bluehippo-hype","titre":"Judge orders $13.4 million in contempt action challenging BlueHippo hype","pubDate":"Sat, 03 Oct 2026 14:06:14 +0200","source":"FTC USA Business Blog Posts","description":"Judge orders $13.4 million in contempt action challenging BlueHippo hype lfair May 2, 2016 | 10:52AM Judge orders $13.4 million in contempt action challenging BlueHippo hype By Lesley Fair Animation fans remember the ballet-dancing pink hippos in Fantasia . In Egyptian mythology, the god of disorder was depicted as a red hippo. And many consumers – especially those already in financial distress – were drawn in by national TV and radio ads for BlueHippo, a company that claimed to finance the purchase of computers and other electronics for people with “less than perfect credit, bad credit, no credit.” A $13.4 million ruling by a United States District Judge in an FTC contempt action sends a message to hippos of all hues (and businesses) about the FTC’s commitment to effective order enforcement. In 2008, the FTC sued BlueHippo Funding and BlueHippo Capital for, among other things, not delivering ordered merchandise, failing to make disclosures required by the Truth in Lending Act and Regulation Z, and illegally conditioning the extension of credit on consumers’ “agreement” to repay by preauthorized electronic debit. One common tactic was that BlueHippo said it would deliver the product once the consumer made 13 weekly payments, but then didn’t make good on that promise. The FTC also alleged that in many instances, BlueHippo debited consumers’ accounts without first disclosing that consumers couldn’t get a refund even if they cancelled before delivery. The defendants settled that case , agreeing to pay up to $5 million in redress and to change how they did business in the future. The FTC went back to court in 2009 , alleging that BlueHippo was flouting the terms of the settlement and continuing to engage in illegal practices. The Court granted the FTC’s contempt motion against the corporate defendants and CEO Joseph Rensin, but entered a remedy of only $609,000. The FTC appealed the financial ruling. Arguing that there should be a presumption that consumers relied on the defendants’ misrepresentations and omissions, the FTC sought a contempt order of $14 million – the gross sales the defendants generated through their illegal conduct. The United States Court of Appeals for the Second Circuit ruled , “We agree with the FTC and join our sister circuits in adopting a presumption of consumer reliance in FTC civil contempt actions.” The appellate court remanded the matter to the trial court to determine “whether the FTC has demonstrated that it is entitled to a presumption of consumer reliance. If so, the court should use defendants’ gross receipts as a baseline for calculating the consumers’ actual loss, and defendants should then be afforded an opportunity to proffer evidence showing that an offset of the baseline is warranted.” What’s the latest development? On remand, the trial court entered a judgment against CEO Rensin for $13.4 million, the financial harm the court determined that consumers suffered as a result of the scheme. The case is another illustration of the FTC’s interest in effective order enforcement. To settle cases and then not follow through to see that defendants live up to their promises would be, well, hippo-critical.","id":3195790},{"source":"FTC USA Business Blog Posts","description":"Buckle up for a two-lane look at car buying lfair July 30, 2020 | 1:04PM Buckle up for a two-lane look at car buying By Lesley Fair It’s one of the biggest purchases people make, but two new FTC staff reports examine some common pitfalls when consumers are in the market for a car. Buckle down and read the Bureau of Consumer Protection’s Buckle Up: Navigating Auto Sales and Financing , which focuses on the challenges buyers face in getting accurate, understandable information when shopping for a vehicle. Not in the auto business? Not so fast. The deep-dive analysis of  Buckle Up  and an accompanying report by BCP staff and the Bureau of Economics – The Auto Buyer Study: Lessons From In-Depth Consumer Interviews And Related Research  – offer insights into the perception and behavior of consumers in the study that can apply to other industries. The FTC’s interest in auto-related transactions goes back decades. (Check out Volume 1 of Federal Trade Commission Decisions for a 1919 case regarding deception in the sale of auto parts.) The FTC has brought law enforcement actions challenging illegal practices, held workshops and roundtables to hear from consumer groups and industry members, and educated buyers and sellers about their rights and responsibilities. One notable feature about the two new reports is that FTC staff went straight to the source and based their views, in part, on detailed interviews with consumers about their experiences when buying and financing a vehicle. You’ll want to read Buckle Up from bumper to bumper, but one key finding is that consumers may be unaware of key terms in sales and financing contracts. One reason may be the extent to which the negotiations process focuses primarily on the monthly payment. That approach can leave consumers in the dark about other important – sometimes even more important – financial variables like the down payment, the length of financing, the total sales price, and the annual percentage rate. So let’s say the consumer has decided on a vehicle and has come to an agreement on the price. All done? Consumers may think the checkered flag is in sight, but for the dealership, negotiations have just begun. First, as the report suggests, “price” can be an elusive concept in the context of car buying. Does it mean sticker price, out-the-door price, total sales price, or something else? Furthermore, it’s often in a last-lap meeting in the financing office that dealers raise the issue of add-ons – purchases like extended warranties, service plans, credit insurance, GAP policies, window etching, etc., that can add substantially to what consumers walking into the office thought the price was. Add-ons also may have limits or conditions and may not cover what consumers expect. The staff report suggests several reasons why add-ons were the single greatest area of confusion for consumers who participated in the study. According to the report, the talk turned to add-ons only after long hours (or days or weeks) of negotiations left consumers feeling both pressured to close the deal and confused by the details. Even the very nature of the products left many consumers bewildered. Are these add-ons mandatory? Are they free? Is the cost included in what consumers perceive as the already agreed-upon price? Does the dealership’s practice of bundling – offering add-ons as a package – mean buyers can’t pick and choose the add-ons they want? What about consumers’ opportunity to review the purchase and financing paperwork? As the report notes, “[T]he length of the auto-buying process, the amount of paperwork involved, and the technical industry jargon often coalesce to make meaningful review and engagement a challenging task.” Participants in the study cited the exhausting negotiation process, a sense of feeling rushed at the end, information overload that left some of them “overwhelmed,” and the difficulty of reviewing documents on a tablet or other","id":3194915,"url":"https://www.ftc.gov/business-guidance/blog/2020/07/buckle-two-lane-look-car-buying","titre":"Buckle up for a two-lane look at car buying","pubDate":"Sat, 03 Oct 2026 08:09:38 +0200"},{"url":"https://www.ftc.gov/news-events/news/press-releases/2026/09/ftc-seeks-public-comment-whether-update-rule-impersonation-government-businesses-address-platforms","titre":"FTC Seeks Public Comment on Whether to Update Rule on Impersonation of Government and Businesses to Address Platforms’ Role in Promoting Impersonation Scams","pubDate":"Fri, 25 Sep 2026 08:10:48 +0200","source":"Federal Trade Commission - Protecting America's Consumers","description":"The Federal Trade Commission announced today that is considering whether to update its Rule on Impersonation of Government and Businesses or take other action to prevent online platforms from engaging in ad-optimization practices that may be furthering impersonation scams. In an Advance Notice of Proposed Rulemaking (ANPRM) to be published in the Federal Register , the FTC is seeking comment on the extent to which ad-optimization tools and services offered by social media, search engines and other digital marketplace platforms further efforts by scammers to impersonate legitimate businesses and government agencies using online ads.  “Free markets depend on trust, transparency and consumers’ ability to make informed choices. Impersonation scams—especially when amplified by digital platforms that profit from them—do more than rob Americans of their hard-earned money,” said Christopher Mufarrige, Director of the FTC’s Bureau of Consumer Protection. “They erode the very foundation that allows competitive markets to function. Today’s impersonation scams are no longer the work of isolated con artists; they are sophisticated, highly engineered operations powered by the same advertising and targeting tools that platforms sell to legitimate businesses. Consumers reported nearly $3.5 billion in losses to impersonation fraud last year, and the true cost is likely far higher. “The Commission’s mission has always been to safeguard the conditions under which competitive markets can thrive. Increasingly, consumers rely on a small number of dominant digital platforms for everyday transactions—from shopping, banking and travel bookings to accessing government services. Yet these platforms are the very places fraudsters seek out consumers, exploiting their trust while platforms profit from optimizing and disseminating scam ads. “Today’s advance notice of proposed rulemaking asks whether the Commission should require platforms to take concrete steps to prevent impersonation ads from ever reaching consumers. By exploring potential new obligations platforms would have to follow, the rulemaking aims to ensure that Americans participate in an online economy where truthful information guides consumer choice.”  Impersonation scams have topped the list of fraud complaints reported to the FTC by consumers in recent years. In 2025, the FTC received more than 1 million reports about imposter scams from consumers, who reported losing nearly $3.5 billion to such scams. In addition, online platforms play an important role in many scams. For example, nearly 30% of consumers who reported losing money to scammers in 2025 said they were first contacted on social media platforms, with reported losses reaching $2.1 billion. The ANPRM notes that impersonation scams have been amplified by search engines, social media and other digital marketplace platforms that profit from optimizing online ads for third parties, regardless of whether the third parties are legitimate. The ANPRM seeks comment on a wide range of topics related to the use of these ad-optimization tools and services and the proliferation of ads that impersonate businesses and government agencies including:  The financial incentives driving these platforms to offer ad-optimization tools and services, details on how each tool and service optimizes the content and delivery of the ad, and the steps platforms currently take to prevent the use of such tools and services for deceptive advertising The extent to which these platform ad-optimization tools and services constitute unfair or deceptive acts or practices by furthering impersonation scams Whether these unfair or deceptive acts or practices are prevalent in the marketplace and whether the Commission should address these acts or practices by amending the existing Impersonation Rule, proposing a new separate rule or implementing non-regulatory Measures Measures the Commission could consider in crafting any new regulations, including vetting","id":3176041},{"id":3042974,"description":"Alexander Mashinsky, the former CEO of cryptocurrency platform Celsius Network Inc. (Celsius), and his business partners, Shlomi Daniel Leon and Hanoch “Nuke” Goldstein, will pay a total of $16.5 million to resolve the Federal Trade Commission’s charges that they deceived users by falsely promising that deposits made to their cryptocurrency platform would be safe and always available. Mashinsky and Leon have also agreed to a ban on marketing or selling products or services that can be used to deposit, exchange, invest or withdraw assets. Similarly, Goldstein has agreed to a ban on marketing or selling retail products or services that can be used to buy, sell, deposit, withdraw, distribute or trade cryptocurrency. In its  July 2023 complaint , the FTC alleged that Celsius and its co-founders promised consumers that Celsius was “safer” than a bank or other traditional financial institutions and misrepresented that their deposits were safe because Celsius earned profits at “no risk” to consumers by making secured loans to other exchanges. The FTC says the company and its top executives deceived users by falsely promising them that they could withdraw their deposits at any time, that the company maintained a $750 million insurance policy for deposits, that it had sufficient reserves to meet customer obligations and that those in its Earn program could earn rewards as high as 18% annual percentage yield on deposits. They also repeatedly claimed that the company did not make any unsecured loans. The FTC, however, alleged that the promises were false and that its top executives continued to claim that customers’ deposits were safe days before the company filed for bankruptcy. The settlement orders with the FTC require Mashinsky to pay $10 million, Leon to pay $4.1 million and Goldstein to pay $2.4 million. In addition,  the order with Mashinsky ,  the order with Leon ,   and the proposed order with Goldstein   will also prohibit the Celsius co-founders from: Marketing or selling products or services that can be used to deposit or withdraw certain assets, as Mashinsky, Leon and Goldstein’s deceptive conduct led to enormous consumer injury; Making misrepresentations regarding the benefits of any product or service or any other material fact about any other product or service; and Violating the Gramm-Leach-Bliley Act, including by obtaining or attempting to obtain customer financial information by making false, fictitious or fraudulent representations; and Finally, the orders with Mashinsky and Leon prohibit them from disclosing nonpublic personal information about consumers unless the consumer first provides express informed consent. The Commission vote approving the stipulated final order with Mashinsky was 3–0 and was approved prior to the departure of former Commissioner Melissa Holyoak. The Commission votes approving the stipulated final orders with Leon and Goldstein were both 2–0. The FTC filed the proposed orders in the U.S. District Court for the Southern District of New York. Stipulated final orders have the force of law when approved and signed by the District Court Judge. The staff attorneys on this matter are Stephanie Liebner, Carlton Mosley and Sally Tieu of the FTC’s Bureau of Consumer","source":"Federal Trade Commission - Protecting America's Consumers","pubDate":"Tue, 21 Jul 2026 08:04:33 +0200","titre":"Founders of Celsius Network Ordered to Pay $16.5 Million to Resolve FTC Charges","url":"https://www.ftc.gov/news-events/news/press-releases/2026/07/founders-celsius-network-ordered-pay-165-million-resolve-ftc-charges"},{"url":"https://www.eba.europa.eu/publications-and-media/press-releases/eba-issues-opinion-implementation-ifrs-18-supervisory-financial-reporting-support-consistency-ifrs","titre":"​The EBA issues Opinion on the implementation of IFRS 18 in supervisory financial reporting to support consistency with IFRS requirements","pubDate":"Thu, 09 Jul 2026 08:12:59 +0200","description":"​The European Banking Authority (EBA) has published today an Opinion providing guidance on how institutions can report profit or loss information during the interim period between the first application date of IFRS 18 and the first application date of the amending Implementing Technical Standards (ITS) on supervisory financial reporting (FINREP), which are currently under consultation. The Opinion aims to support institutions by avoiding the operational burden of maintaining two different profit or loss formats during the transition period. It is also consistent with the EBA’s broader efforts to simplify and streamline the EU supervisory reporting","id":3017061,"source":"European Banking Authority"},{"pubDate":"Tue, 28 Apr 2026 10:47:09 +0200","url":"https://www.thecybersecurityrevieweurope.com/news/key-drivers-behind-the-rising-demand-for-virtual-cisos--nwid-1282.html","titre":"Read more","id":2852311,"description":"Key Drivers Behind the Rising Demand for Virtual CISOs Wednesday, April 22,2026 Businesses are navigating the challenges of a digital-first environment, which is driving an increased demand for expert-driven cybersecurity solutions. The virtual chief information security officer (vCISO) has become essential for organizations seeking to enhance their cybersecurity resilience while managing costs effectively. Effective security leadership is more crucial than ever, particularly in light of the evolving threat landscape, which includes ransomware attacks and data breaches. Addressing Cybersecurity Challenges Organizations face a significant escalation in cyberattacks as hackers continually evolve their tactics. This dynamic landscape makes it challenging for businesses to maintain effective defenses. A vCISO plays a pivotal role by providing specialized guidance in threat intelligence, risk management, and incident response. By working with a vCISO, companies can proactively identify vulnerabilities and implement comprehensive security frameworks tailored to their needs. This partnership empowers organizations to build stronger defenses against the rising tide of cyber threats. Compliance with various regulations remains a formidable hurdle for many businesses. Non-compliance can incur severe penalties and damage reputations, prompting the need for expert oversight. A vCISO helps organizations navigate complex regulatory landscapes and ensures ongoing assessments and strategic roadmaps to meet compliance needs. By implementing best practices aligned with the latest standards, businesses can mitigate risks and enhance their security posture. A Cost-Effective Solution for Security Leadership Hiring a full-time chief information security officer can be a significant financial burden, especially for small and mid-sized businesses (SMBs) with limited resources. A vCISO offers a cost-effective alternative, providing high-level security expertise without the expenses associated with a permanent hire. Organizations can customize vCISO services, enabling them to pay only for the cybersecurity guidance they require, thus allowing for more efficient allocation of resources. The digital transformation driven by adopting technologies like cloud computing, remote work, and the Internet of Things has further amplified the need for vCISOs. These advancements expand attack surfaces, making traditional security approaches insufficient. A vCISO aids organizations in implementing modern cybersecurity frameworks, ensuring robust data protection across various environments, including cloud services and remote workforces. Additionally, the ongoing shortage of cybersecurity professionals enhances the appeal of vCISOs. Many companies struggle to find and retain in-house talent, but a vCISO can provide immediate access to seasoned security experts with extensive industry knowledge. This accessibility allows businesses to improve their security strategy without the delays associated with lengthy hiring processes. The flexibility and scalability offered by vCISO services make them suitable for organizations of all sizes. Whether a startup outlines its initial cybersecurity strategy or an established firm seeks ongoing risk assessments, vCISOs can deliver tailored security solutions that effectively address specific business objectives.","source":"The Cybersecurity Review Europe"},{"description":"Background information Date of final decision: 15 May 2025 National case Controller:  SOLOCAL MARKETING SERVICES Legal Reference(s): Article 7 (Conditions for consent), Article 6 (Lawfulness of processing) Decision: administrative fine and an order to cease electronic commercial prospecting in the absence of valid consent, together with a penalty of €10 000 per day overdue after a period of 9 months Key words: administrative fine, consent,  unsolicited communication   Summary of the Decision Origin of the case   As the French Supervisory Authority (SA) made commercial prospecting a priority topic for investigations in 2022, it focused on the practices of professionals in the sector, particularly those who resell data, including the many intermediaries in this ecosystem known as data brokers. The French SA carried out investigations on SOLOCAL MARKETING SERVICES which got prospect data mainly from data brokers, publishers of game contests and product testing sites (these actors are the first links in the chain, the primary collectors, who are responsible for collecting prospect data). SOLOCAL MARKETING SERVICES used this data to operate commercial prospecting by SMS or e-mail to individuals concerned, on behalf of its advertiser customer. It may also pass on some of this data to its customers, so that they can carry out their own commercial prospecting by telephone or post. Key Findings  Failure to comply with the obligation to obtain the consent of individuals to receive commercial prospecting by electronic means (Article L.34-5 of the French Post and Electronic Communications Code): The restricted committee considered that the misleading appearance of the forms used by data brokers made it impossible to obtain free and unambiguous consent, in compliance with the requirements of the GDPR, which would have formed the basis for the prospecting operations carried out by the company. Failure to demonstrate that the data subject has consented to processing of his or her personal data (Article 7 of the GDPR): The company failed to provide the French SA with proof of consent from individuals whose data has been transferred to it by one of its main suppliers. As a result, the French SA was unable to examine the collection forms used by this supplier and, therefore, the validity of the consent of the data subjects.   Decision  Based on the findings of the inspection, the restricted committee – the French SA body responsible for issuing sanctions – considered that the company had failed to comply with obligations under the French Post and Electronic Communications Code (CPCE) and the General Data Protection Regulation (GDPR) regarding the collection and proof of consent.  It imposed on SOLOCAL MARKETING SERVICES:  a €900 000 fine which was made public; and an order to cease electronic commercial prospecting in the absence of valid consent, together with a penalty of €10 000 per day overdue after a period of 9 months.  The amount of this fine takes into account the very large number of people concerned (several million), the company's historical position on the market, the financial benefit derived from the breaches, and the measures taken by the company to comply with some of its obligations since the checks were carried out. For further information:  •  Courtiers en données : sanction de 900 000 euros à l’encontre de la société SOLOCAL MARKETING SERVICES (French) •  Data brokers: SOLOCAL MARKETING SERVICES fined €900,000  (English)","id":2170441,"source":"EDPB News","titre":"The French SA fines SOLOCAL €900 000","url":"https://www.edpb.europa.eu/news/news/2025/french-sa-fines-solocal-eu900-000_en","pubDate":"Tue, 10 Jun 2025 09:51:20 +0200"},{"source":"EDPB News","id":2130472,"description":"Background information Date of final decision: 15 May 2025 National case Controller:  SOLOCAL MARKETING SERVICES Legal Reference(s): Article 7 (Conditions for consent), Article 6 (Lawfulness of processing) Decision: administrative fine and an order to cease electronic commercial prospecting in the absence of valid consent, together with a penalty of 10 000 € per day overdue after a period of 9 months Key words: administrative fine, consent,  unsolicited communication   Summary of the Decision Origin of the case   As the French Supervisory Authority (SA) made commercial prospecting a priority topic for investigations in 2022, it focused on the practices of professionals in the sector, particularly those who resell data, including the many intermediaries in this ecosystem known as data brokers. The French SA carried out investigations on SOLOCAL MARKETING SERVICES which got prospect data mainly from data brokers, publishers of game contests and product testing sites (these actors are the first links in the chain, the primary collectors, who are responsible for collecting prospect data). SOLOCAL MARKETING SERVICES used this data to operate commercial prospecting by SMS or e-mail to individuals concerned, on behalf of its advertiser customer. It may also pass on some of this data to its customers, so that they can carry out their own commercial prospecting by telephone or post. Key Findings  Failure to comply with the obligation to obtain the consent of individuals to receive commercial prospecting by electronic means (Article L.34-5 of the French Post and Electronic Communications Code): The restricted committee considered that the misleading appearance of the forms used by data brokers made it impossible to obtain free and unambiguous consent, in compliance with the requirements of the GDPR, which would have formed the basis for the prospecting operations carried out by the company. Failure to demonstrate that the data subject has consented to processing of his or her personal data (Article 7 of the GDPR): The company failed to provide the French SA with proof of consent from individuals whose data has been transferred to it by one of its main suppliers. As a result, the French SA was unable to examine the collection forms used by this supplier and, therefore, the validity of the consent of the data subjects.   Decision  Based on the findings of the inspection, the restricted committee – the French SA body responsible for issuing sanctions – considered that the company had failed to comply with obligations under the French Post and Electronic Communications Code (CPCE) and the General Data Protection Regulation (GDPR) regarding the collection and proof of consent.  It imposed on SOLOCAL MARKETING SERVICES:  a 900 000 € fine which was made public; and an order to cease electronic commercial prospecting in the absence of valid consent, together with a penalty of 10 000 € per day overdue after a period of 9 months.  The amount of this fine takes into account the very large number of people concerned (several million), the company's historical position on the market, the financial benefit derived from the breaches, and the measures taken by the company to comply with some of its obligations since the checks were carried out. For further information:  •   Courtiers en données : sanction de 900 000 euros à l’encontre de la société SOLOCAL MARKETING SERVICES (French) •   Data brokers: SOLOCAL MARKETING SERVICES fined €900,000  (English)","pubDate":"Wed, 21 May 2025 15:52:14 +0200","titre":"The French SA fines SOLOCAL 900 000 €","url":"https://www.edpb.europa.eu/news/news/2025/french-sa-fines-solocal-900-000-eu_en"},{"url":"https://bankinglaw.be/en/ofac-sanctions-press-release-over-300-new-sanctions-issued-across-treasury-and-state/","titre":"OFAC Sanctions : press release (over 300 new sanctions issued across Treasury and State)","pubDate":"Tue, 01 Apr 2025 15:36:54 +0200","description":"The U.S. Treasury has imposed new measures to heighten pressure on Russia, targeting its financial and technological access as well as individuals and entities supporting its military efforts. In a separate move, the U.S. has also sanctioned four individuals associated with ISIS, in collaboration with Türkiye. Violating these sanctions can lead to severe legal implications, with strict restrictions on transactions involving the sanctioned individuals. The post OFAC Sanctions : press release (over 300 new sanctions issued across Treasury and State) appeared first on Banking and Finance law in Belgium","id":2025078,"source":"Droit bancaire et financier en Belgique"},{"source":"Droit bancaire et financier en Belgique","id":1418933,"description":"The U.S. Treasury has imposed new measures to heighten pressure on Russia, targeting its financial and technological access as well as individuals and entities supporting its military efforts. In a separate move, the U.S. has also sanctioned four individuals associated with ISIS, in collaboration with Türkiye. Violating these sanctions can lead to severe legal implications, with strict restrictions on transactions involving the sanctioned individuals. The post OFAC Sanctions : press release (over 300 new sanctions issued across Treasury and State) appeared first on Droit bancaire et financier en Belgique","pubDate":"Wed, 26 Jun 2024 15:06:07 +0200","url":"https://bankinglaw.be/ofac-sanctions-press-release-over-300-new-sanctions-issued-across-treasury-and-state/","titre":"OFAC Sanctions : press release (over 300 new sanctions issued across Treasury and State)"},{"pubDate":"Mon, 17 Jun 2024 15:08:58 +0200","url":"https://droitbancaire.be/ofac-sanctions-press-release-over-300-new-sanctions-issued-across-treasury-and-state/","titre":"OFAC Sanctions : press release (over 300 new sanctions issued across Treasury and State)","source":"Droit bancaire et financier en Belgique","id":1399186,"description":"The U.S. Treasury has imposed new measures to heighten pressure on Russia, targeting its financial and technological access as well as individuals and entities supporting its military efforts. In a separate move, the U.S. has also sanctioned four individuals associated with ISIS, in collaboration with Türkiye. Violating these sanctions can lead to severe legal implications, with strict restrictions on transactions involving the sanctioned individuals. The post OFAC Sanctions : press release (over 300 new sanctions issued across Treasury and State) appeared first on Droit bancaire et financier en Belgique"},{"source":"Business Today","id":1292954,"description":"Key Takeaways: Unveiling the Shoplifting Crisis: A Blow to SMEs Across the UK The alarming surge in shoplifting incidents by 37% has sent shockwaves across the business landscape, especially impacting small and medium-sized enterprises (SMEs). Insights from leading small business insurer Simply Business shed light on the tangible repercussions faced by SME owners due to this growing menace. The Financial Toll: Shoplifting’s Impact on SMEs Half of SMEs Report Shoplifting as a Major Concern Combatting the Crisis: Strategies Employed by SMEs 1. Enhanced Surveillance with CCTV Cameras (34%) Keeping a Watchful Eye 2. Increased Staff Presence and Customer Engagement (30%) The post The Shocking Truth: How Shoplifting is Sinking Small Businesses appeared first on Business Today","pubDate":"Wed, 01 May 2024 10:22:38 +0200","url":"https://businesstoday.news/the-shocking-truth-how-shoplifting-is-sinking-small-businesses/?utm_source=rss&utm_medium=rss&utm_campaign=the-shocking-truth-how-shoplifting-is-sinking-small-businesses","titre":"The Shocking Truth: How Shoplifting is Sinking Small Businesses"},{"source":"Business Today","description":"Key Takeaways: Subtitle: Unraveling the Impact of New Taxes on UK Business Landscape. Tax Tsunami: The Burden on UK Businesses The landscape of UK business taxation has undergone seismic shifts, marked by a torrent of new taxes that have inundated businesses with unprecedented financial burdens. Recent research by Thomson Reuters unveils the stark reality faced by UK businesses, grappling with soaring tax costs and escalating compliance complexities. The Rising Tide of New Taxes A Decade of Tax Expansion Two-thirds of business taxes introduced in the past decade have contributed to a significant surge in tax expenditures for UK businesses, soaring The post Tax Turmoil: UK Businesses Grapple with Soaring Costs as New Taxes Skyrocket! appeared first on Business Today","id":1292947,"url":"https://businesstoday.news/tax-turmoil-uk-businesses-grapple-with-soaring-costs-as-new-taxes-skyrocket/?utm_source=rss&utm_medium=rss&utm_campaign=tax-turmoil-uk-businesses-grapple-with-soaring-costs-as-new-taxes-skyrocket","titre":"Tax Turmoil: UK Businesses Grapple with Soaring Costs as New Taxes Skyrocket!","pubDate":"Wed, 01 May 2024 10:22:36 +0200"},{"source":"Business Today","id":1282822,"description":"Key Takeaways: A Game-Changer in Fintech Emerges In a landscape dominated by financial giants, a rising star has emerged in the form of Allica Bank, a fintech disruptor redefining banking for small and medium-sized enterprises (SMEs). With a stellar performance in 2023, Allica Bank’s Annual Report paints a picture of extraordinary growth, substantial financial gains, and groundbreaking achievements. Trailblazing in the Fintech Realm Allica Bank’s journey to success is nothing short of extraordinary. Within just three years of opening its doors to lending, the bank has etched its name as the fastest-growing UK fintech ever, a title bestowed upon it The post Unveiling a Fintech Phenomenon: Allica Bank’s Spectacular Rise to Profitability appeared first on Business Today","pubDate":"Sat, 27 Apr 2024 10:39:47 +0200","titre":"Unveiling a Fintech Phenomenon: Allica Bank’s Spectacular Rise to Profitability","url":"https://businesstoday.news/unveiling-a-fintech-phenomenon-allica-banks-spectacular-rise-to-profitability/?utm_source=rss&utm_medium=rss&utm_campaign=unveiling-a-fintech-phenomenon-allica-banks-spectacular-rise-to-profitability"},{"source":"Business Today","description":"Key Takeaways: Uncovering Financial Challenges in the Trades Sector Recent research conducted by Simply Business, a leading small business insurance provider, has revealed concerning trends in the earnings of tradespeople across the UK. The findings shed light on income disparities, top-earning trades, regional variations, and the impact of external factors on the financial stability of tradespeople. Plummeting Earnings: A Struggle for Tradespeople Tradespeople faced a daunting reality in 2023, with average earnings plummeting by £14,000 compared to the previous year. This stark decline of 17% in average income raises questions about the financial resilience of individuals in the trades sector The post Shocking News for Tradespeople: Average Earnings Plummet by £14k! appeared first on Business Today","id":1282819,"url":"https://businesstoday.news/shocking-news-for-tradespeople-average-earnings-plummet-by-14k/?utm_source=rss&utm_medium=rss&utm_campaign=shocking-news-for-tradespeople-average-earnings-plummet-by-14k","titre":"Shocking News for Tradespeople: Average Earnings Plummet by £14k!","pubDate":"Sat, 27 Apr 2024 10:39:46 +0200"},{"titre":"Caring for the Carers: The Game-Changing Corporate Policy Revolutionizing Work-Life Balance","url":"https://businesstoday.news/caring-for-the-carers-the-game-changing-corporate-policy-revolutionizing-work-life-balance/?utm_source=rss&utm_medium=rss&utm_campaign=caring-for-the-carers-the-game-changing-corporate-policy-revolutionizing-work-life-balance","pubDate":"Tue, 09 Apr 2024 10:37:20 +0200","source":"Business Today","description":"Key Takeaways: Introduction to a Progressive Policy Setting the Corporate Standard Virgin Media O2 is redefining the landscape of employee benefits with its gold standard carer’s policy, which surpasses the upcoming legislative requirements for unpaid carer’s leave. This policy reflects a deep understanding of the challenges faced by employees balancing professional responsibilities with caring for loved ones. The Impact of Paid Carer’s Leave A Resounding Success The introduction of paid carer’s leave at Virgin Media O2 has been a lifeline for many employees, allowing them to support family members and friends without the financial strain of taking unpaid leave. The The post Caring for the Carers: The Game-Changing Corporate Policy Revolutionizing Work-Life Balance appeared first on Business Today","id":1237684},{"titre":"Revolutionizing Data Management: The Game-Changing Platform Promising Billions in Savings","url":"https://businesstoday.news/revolutionizing-data-management-the-game-changing-platform-promising-billions-in-savings/?utm_source=rss&utm_medium=rss&utm_campaign=revolutionizing-data-management-the-game-changing-platform-promising-billions-in-savings","pubDate":"Tue, 09 Apr 2024 10:37:17 +0200","source":"Business Today","description":"Key Takeaways: Unveiling the Data Quality Conundrum The Cost of Data Disarray In an age where data drives decisions, the quality of this data has become a critical concern for businesses globally. Inaccuracies in data can lead to erroneous decision-making and financial losses, with the collective annual cost reaching into the trillions. LiTech’s Mission to Mend Estonian startup LiTech, having secured significant funding, is stepping up to address this pervasive issue with its innovative Cloud-based SaaS platform aimed at enhancing data quality management across various industries. LiTech’s SaaS Platform: A Closer Look Democratizing Data Quality Management LiTech’s Cloud platform is The post Revolutionizing Data Management: The Game-Changing Platform Promising Billions in Savings appeared first on Business Today","id":1237676},{"titre":"Shocking News: Energy Bill Discount Scheme Abruptly Ends, Small Businesses Left in the Dark","url":"https://businesstoday.news/shocking-news-energy-bill-discount-scheme-abruptly-ends-small-businesses-left-in-the-dark/?utm_source=rss&utm_medium=rss&utm_campaign=shocking-news-energy-bill-discount-scheme-abruptly-ends-small-businesses-left-in-the-dark","pubDate":"Thu, 04 Apr 2024 16:35:48 +0200","description":"Key Takeaways: End of an Era: Energy Bills Discount Scheme Withdraws Support As the clock struck midnight on March 31, small businesses across the UK braced themselves for the end of an era. The Energy Bills Discount Scheme, a lifeline for many struggling enterprises, came to an abrupt halt, leaving business owners grappling with uncertainty and financial strain. Established to alleviate the burden of skyrocketing energy costs, the scheme’s termination has sent shockwaves through the small business community, sparking fears of an impending crisis. Rising Costs, Diminished Support: SMEs Navigate Choppy Waters The closure of the Energy Bills Discount Scheme The post Shocking News: Energy Bill Discount Scheme Abruptly Ends, Small Businesses Left in the Dark appeared first on Business Today","id":1228904,"source":"Business Today"},{"pubDate":"Mon, 01 Apr 2024 10:30:29 +0200","url":"https://businesstoday.news/real-estate-rises-the-spectacular-growth-journey-of-a-market-leader/?utm_source=rss&utm_medium=rss&utm_campaign=real-estate-rises-the-spectacular-growth-journey-of-a-market-leader","titre":"Real Estate Rises: The Spectacular Growth Journey of a Market Leader","id":1221224,"description":"A Glimpse into Future Prosperity One United Properties, a leading developer in the green real estate sector in Romania, has laid out its financial and strategic roadmap for 2024, eyeing significant growth in turnover, profit, and operational activity. The company’s ambitious targets reflect a broader positive outlook for the Bucharest real estate market and Romania’s economy. Financial Horizons Expanded Record-Breaking Ambitions With a proposed turnover of EUR 349.9 million and an operating profit of EUR 137.5 million for 2024, One United Properties is not just aiming for growth; it’s setting new industry standards. These targets represent substantial increases from the The post Real Estate Rises: The Spectacular Growth Journey of a Market Leader appeared first on Business Today","source":"Business Today"},{"titre":"The Big Move: A Financial Titan’s First UK Property Gamble Pays Off","url":"https://businesstoday.news/the-big-move-a-financial-titans-first-uk-property-gamble-pays-off/?utm_source=rss&utm_medium=rss&utm_campaign=the-big-move-a-financial-titans-first-uk-property-gamble-pays-off","pubDate":"Mon, 01 Apr 2024 10:30:29 +0200","description":"Mirabaud’s Bold UK Entry In a significant move underscoring its global expansion strategy, Mirabaud Asset Management has marked its first foray into the UK property market with the acquisition of a premier office campus in Crawley, adjacent to London’s Gatwick Airport. This acquisition not only augments Mirabaud’s real estate portfolio to a staggering $700 million but also aligns with its trajectory of investing in strategic, single-tenant properties. Virgin Atlantic’s Nest: A Key Asset The focal point of this acquisition is the office building that has been the heart of Virgin Atlantic’s operations since its inception. This property, built exclusively for The post The Big Move: A Financial Titan’s First UK Property Gamble Pays Off appeared first on Business Today","id":1221228,"source":"Business Today"},{"source":"Business Today","id":1194432,"description":"Key Takeaways: The allure of trading has never been stronger, with a surge in online searches for ‘trading for beginners’ and the explosive popularity of financial education videos on platforms like TikTok. However, amidst the excitement, it’s crucial to tread carefully and equip oneself with the necessary knowledge to navigate the complexities of the trading landscape. City Index, a leading provider of online trading services, offers valuable insights into the most common trading mistakes and expert advice on how to steer clear of them. Let’s explore these crucial insights and discover the keys to financial success in the dynamic world The post 5 Crucial Trading Mistakes: Avoid These Pitfalls for Financial Success! appeared first on Business Today","pubDate":"Tue, 19 Mar 2024 16:34:17 +0100","url":"https://businesstoday.news/5-crucial-trading-mistakes-avoid-these-pitfalls-for-financial-success/?utm_source=rss&utm_medium=rss&utm_campaign=5-crucial-trading-mistakes-avoid-these-pitfalls-for-financial-success","titre":"5 Crucial Trading Mistakes: Avoid These Pitfalls for Financial Success!"},{"pubDate":"Fri, 15 Mar 2024 16:31:26 +0100","url":"https://businesstoday.news/exclusive-cheapest-way-for-die-hard-fans-to-experience-fa-cup-quarter-finals-revealed/?utm_source=rss&utm_medium=rss&utm_campaign=exclusive-cheapest-way-for-die-hard-fans-to-experience-fa-cup-quarter-finals-revealed","titre":"Exclusive: Cheapest Way for Die-Hard Fans to Experience FA Cup Quarter Finals Revealed!","source":"Business Today","id":1187455,"description":"Key Takeaways: As the FA Cup Quarter Finals loom closer, football aficionados are gearing up for exhilarating clashes and unforgettable moments. Yet, for many fans, the excitement of away games comes tinged with the challenge of navigating unfamiliar territories and managing the financial aspects of travel. However, a recent study conducted by SeatPick has shed light on the most economical routes for die-hard supporters to experience the upcoming quarter-final matches. Manchester City VS Newcastle United: The Affordable Showdown SeatPick’s analysis reveals that the FA Cup quarter-final showdown between Manchester City and Newcastle United stands out as the most cost-effective match The post Exclusive: Cheapest Way for Die-Hard Fans to Experience FA Cup Quarter Finals Revealed! appeared first on Business Today"},{"pubDate":"Thu, 14 Mar 2024 16:29:56 +0100","url":"https://businesstoday.news/unveiled-explosive-growth-in-spacetech-investments-key-insights-inside/?utm_source=rss&utm_medium=rss&utm_campaign=unveiled-explosive-growth-in-spacetech-investments-key-insights-inside","titre":"Unveiled: Explosive Growth in SpaceTech Investments – Key Insights Inside!","source":"Business Today","id":1184932,"description":"Key Takeaways: In an era dominated by technological advancements, the space sector has emerged as a frontier ripe with potential. Seraphim Space Investment Trust plc (LSE: SSIT), the pioneering SpaceTech investment company, recently unveiled its interim results for the six-month period ended 31 December 2023. Boasting robust financial performance and promising portfolio developments, the interim report provides invaluable insights into the burgeoning SpaceTech industry. Financial Triumph: A Glance at the Numbers NAV and Portfolio Valuation Seraphim Space Investment Trust plc reports a commendable increase in Net Asset Value (NAV), reaching £224.3 million, reflecting a 0.9% rise compared to the previous The post Unveiled: Explosive Growth in SpaceTech Investments – Key Insights Inside! appeared first on Business Today"},{"titre":"Shocking Revelation: Manchester Law Firm Takes on Wealth Giant Over Overcharging Scandal!","url":"https://businesstoday.news/shocking-revelation-manchester-law-firm-takes-on-wealth-giant-over-overcharging-scandal/?utm_source=rss&utm_medium=rss&utm_campaign=shocking-revelation-manchester-law-firm-takes-on-wealth-giant-over-overcharging-scandal","pubDate":"Wed, 13 Mar 2024 16:30:42 +0100","source":"Business Today","description":"Key Takeaways: In a bold move against corporate overreach, a Manchester-based law firm, Barings Law, has announced plans to tackle the overcharging claims directed at St James’s Place, the UK’s largest wealth manager. With a surge in client complaints regarding excessive fees and unfulfilled services, Barings Law is expanding its workforce and establishing a new division dedicated to addressing these grievances head-on. As allegations of financial misconduct continue to surface, the battle for accountability in the financial sector intensifies. Let’s delve into the details of this groundbreaking initiative and its implications for both consumers and the financial industry. A Growing The post Shocking Revelation: Manchester Law Firm Takes on Wealth Giant Over Overcharging Scandal! appeared first on Business Today","id":1182348},{"pubDate":"Wed, 13 Mar 2024 16:30:41 +0100","titre":"Exclusive: Former Adviser Joins Leading Financial Software Company to Drive Growth – What’s the Game Plan?","url":"https://businesstoday.news/exclusive-former-adviser-joins-leading-financial-software-company-to-drive-growth-whats-the-game-plan/?utm_source=rss&utm_medium=rss&utm_campaign=exclusive-former-adviser-joins-leading-financial-software-company-to-drive-growth-whats-the-game-plan","source":"Business Today","id":1182345,"description":"Key Takeaways: In a strategic move aimed at bolstering its presence in the UK Wealth sector, leading financial software company Iress has announced the appointment of John Parker as Head of Business Development. Parker, a seasoned financial adviser with a rich background in business development roles at iPipeline, Aviva, and CTC, is set to play a pivotal role in driving customer growth, shaping product development strategies, and fostering closer partnerships with advice firms. Let’s delve deeper into this exclusive development and explore its implications for Iress and the broader financial services industry. A Strategic Hire: John Parker Joins Iress to The post Exclusive: Former Adviser Joins Leading Financial Software Company to Drive Growth – What’s the Game Plan? appeared first on Business Today"},{"url":"https://businesstoday.news/exposed-the-shocking-truth-behind-skyrocketing-car-insurance-costs/?utm_source=rss&utm_medium=rss&utm_campaign=exposed-the-shocking-truth-behind-skyrocketing-car-insurance-costs","titre":"Exposed: The Shocking Truth Behind Skyrocketing Car Insurance Costs!","pubDate":"Mon, 11 Mar 2024 16:35:15 +0100","source":"Business Today","description":"Key Takeaways: In a staggering revelation that has left motorists reeling, car insurance premiums have skyrocketed by a whopping 58% within the last 12 months, thrusting the average annual cost to a staggering £995. As drivers grapple with the financial strain of these exorbitant expenses, experts delve into the core reasons driving this unprecedented surge and offer invaluable insights into mitigating the impact. Unraveling the Surge: Reasons Behind Rising Car Insurance Premiums As drivers grapple with the burden of escalating car insurance costs, it’s imperative to understand the driving forces fuelling this surge: Navigating the Turbulence: Expert Strategies to Mitigate The post Exposed: The Shocking Truth Behind Skyrocketing Car Insurance Costs! appeared first on Business Today","id":1177160}]