![]() Like any physicist will tell you, on Earth, light travels faster than sound. He’s an astrophysicist who studies what the universe is made of and how it’s structured. ![]() ![]() HOST PADI BOYD: Jason Rhodes is a scientist at NASA’s Jet Propulsion Laboratory. And I started counting seconds in my head. Jason Rhodes: I could see the intensely bright light. Jason Rhodes: And I know exactly how close I was, because like any good physicist when the rocket launched. Jason Rhodes: So I was very lucky in that I got to go to Florida to watch Euclid launch on July 1, 2023. Unidentified voice 2: And great news, all systems are go for launch of Falcon 9 and Euclid Space Telescope.] Send us your question at and we’ll try to track down the answer. Well, here’s your chance! This season, we want to know what you’re curious about. And I have a question for you: If you could ask a NASA scientist or astronaut anything, what would it be? I’m Jacob Pinter, new producer here at the show. PRODUCER JACOB PINTER: Hey Curious Universe listeners. NASA astrophysicists Jason Rhodes and Ami Choi explain how we study this dark side and why it’s making scientists reconsider what we think we know about the universe. The other 95 percent is dark matter and dark energy, a tag team that ranks among the biggest mysteries in all of science. Wilmarth, George Washington University Law SchoolĬonsumer Finance Monitor Podcast Episode: Challenges of Using the Current Law to Address Dark Patterns, with Guest Gregory Dickinson, Assistant Professor, St.Normal matter-the kind that makes up our home planet and everything we can see-adds up to just five percent of the known universe. Payments System?Ĭonsumer Finance Monitor Podcast Episode: Responding to Direct and Indirect Identity Theft Disputes Under the FCRA: What Are The Differences?ĭigital Planning Podcast Episode: Exploring DAOsĬonsumer Finance Monitor Podcast Episode: Should Section 5 of the FTC Act be Amended to Add a Private Right of Action?Ĭonsumer Finance Monitor Podcast Episode: Growing Use of Generative AI and Chatbots in Consumer Financial Services, with Guests Ron Shevlin, Cornerstone Advisors, and Reggie Young, LithicĬonsumer Finance Monitor Podcast Episode: An Even Deeper Dive into the CFPB’s Final Dodd-Frank Section 1071 Rule on Small Business Data CollectionĬonsumer Finance Monitor Podcast Episode: A Deep Dive Into Cryptocurrency and its Risks to Investors and the Banking System, with Arthur E. CFPB: Who Will Win and What Does It Mean? Part IĬonsumer Finance Monitor Podcast Episode: Understanding the Credit Card Competition Act a/k/a Durbin 2.0Ĭonsumer Finance Monitor Podcast Episode: The Impact of New Developments in Payment Systems on Low-Income ConsumersĬonsumer Finance Monitor Podcast Episode: The FTC's Updates to its Guides on the Use of Endorsements and Testimonials in Advertising and Proposed Rule on the Use of Consumer Reviews and Testimonialsĭigital Planning Podcast Episode: When Cyber Attacks Hit HomeĬonsumer Finance Monitor Podcast Episode: Federal Court Rules CFPB Cannot Use UDAAP Authority to Regulate Discrimination: A Close Look at the Decision and its ImplicationsĬonsumer Finance Monitor Podcast Episode: Shining a Bright Light on Digital Dark PatternsĬonsumer Finance Monitor Podcast Episode: What is FedNow and its Role in the U.S. Supreme Court’s Decision in CFSA v CFPB: Who Will Win and What Does It Mean? Part IIīusiness Better Podcast Episode: Supporting Middle Market Manufacturing – A Conversation with Torque Capital GroupĬonsumer Finance Monitor Podcast Episode: The U.S. See less -Ĭonsumer Finance Monitor Podcast Episode: Reasons Why the CFPB Should Deny the Petition for Rulemaking on Post-Dispute Consumer Arbitration AgreementsĬonsumer Finance Monitor Podcast Episode: The U.S. ![]() We conclude with a discussion of best practices for companies to consider to avoid engaging in conduct that the CFPB might find to be abusive.Īlan Kaplinsky, Senior Counsel in Ballard Spahr’s Consumer Financial Services Group, hosts the discussion joined by Michael Guerrero, a partner in the Group, Michael Gordon, Of Counsel in the Group, and Brian Turetsky, Of Counsel in the Group. We also look at the overlap between abusive conduct and unfair or deceptive conduct and the relationship between “dark patterns” and abusive conduct and identify conduct that the CFPB might consider to be abusive. We then look at past CFPB enforcement actions and supervisory findings in which conduct was alleged to be abusive. After reviewing the definition of abusive in the CFPA and the historical background of the adoption of an abusive standard in the CFPA, we examine how the policy statement addresses each element of the abusive standard and share our observations as to the policy statement’s implications. The CFPB recently issued a policy statement in which it provided a framework for determining what constitutes abusive conduct under the CFPA.
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