#tech rohit

[trendynewsnow]

Rohit Chopra's Strategic Shift at the CFPB: New Regulations and Industry Reactions

Rohit Chopra’s Final Weeks at the CFPB: A Strategic Shift As Rohit Chopra approaches the conclusion of his tenure as the director of the Consumer Financial Protection Bureau (CFPB), he is making a concerted effort to remind banks and financial institutions that there are aspects of the regulator they might actually appreciate. In the last month, the bureau has rolled out a series of new rules and…

[mostlysignssomeportents]

The CFPB is genuinely making America better, and they're going HARD

On June 20, I'm keynoting the LOCUS AWARDS in OAKLAND.

Let's take a sec here and notice something genuinely great happening in the US government: the Consumer Finance Protection Bureau's stunning, unbroken streak of major, muscular victories over the forces of corporate corruption, with the backing of the Supreme Court (yes, that Supreme Court), and which is only speeding up!

A little background. The CFPB was created in 2010. It was Elizabeth Warren's brainchild, an institution that was supposed to regulate finance from the perspective of the American public, not the American finance sector. Rather than fighting to "stabilize" the financial sector (the mission that led to Obama taking his advisor Timothy Geithner's advice to permit the foreclosure crisis to continue in order to "foam the runways" for the banks), the Bureau would fight to defend us from bankers.

The CFPB got off to a rocky start, with challenges to the unique system of long-term leadership appointments meant to depoliticize the office, as well as the sudden resignation of its inaugural boss, who broke his promise to see his term through in order to launch an unsuccessful bid for political office.

But after the 2020 election, the Bureau came into its own, when Biden poached Rohit Chopra from the FTC and put him in charge. Chopra went on a tear, taking on landlords who violated the covid eviction moratorium:

https://pluralistic.net/2021/04/20/euthanize-rentier-enablers/#cfpb

Then banning payday lenders' scummiest tactics:

https://pluralistic.net/2022/01/29/planned-obsolescence/#academic-fraud

Then striking at one of fintech's most predatory grifts, the "earned wage access" hustle:

https://pluralistic.net/2023/05/01/usury/#tech-exceptionalism

Then closing the loophole that let credit reporting bureaus (like Equifax, who doxed every single American in a spectacular 2019 breach) avoid regulation by creating data brokerage divisions and claiming they weren't part of the regulated activity of credit reporting:

https://pluralistic.net/2023/08/16/the-second-best-time-is-now/#the-point-of-a-system-is-what-it-does

Chopra went on to promise to ban data-brokers altogether:

https://pluralistic.net/2024/04/13/goulash/#material-misstatement

Then he banned comparison shopping sites where you go to find the best bank accounts and credit cards from accepting bribes and putting more expensive options at the top of the list. Instead, he's requiring banks to send the CFPB regular, accurate lists of all their charges, and standing up a federal operated comparison shopping site that gives only accurate and honest rankings. Finally, he's made an interoperability rule requiring banks to let you transfer to another institution with one click, just like you change phone carriers. That means you can search an honest site to find the best deal on your banking, and then, with a single click, transfer your accounts, your account history, your payees, and all your other banking data to that new bank:

https://pluralistic.net/2023/10/21/let-my-dollars-go/#personal-financial-data-rights

Somewhere in there, big business got scared. They cooked up a legal theory declaring the CFPB's funding mechanism to be unconstitutional and got the case fast-tracked to the Supreme Court, in a bid to put Chopra and the CFPB permanently out of business. Instead, the Supremes – these Supremes! – upheld the CFPB's funding mechanism in a 7-2 ruling:

https://www.scotusblog.com/2024/05/supreme-court-lets-cfpb-funding-stand/

That ruling was a starter pistol for Chopra and the Bureau. Maybe it seemed like they were taking big swings before, but it turns out all that was just a warmup. Last week on The American Prospect, Robert Kuttner rounded up all the stuff the Bureau is kicking off:

https://prospect.org/blogs-and-newsletters/tap/2024-06-07-window-on-corporate-deceptions/

First: regulating Buy Now, Pay Later companies (think: Klarna) as credit-card companies, with all the requirements for disclosure and interest rate caps dictated by the Truth In Lending Act:

https://www.skadden.com/insights/publications/2024/06/cfpb-applies-credit-card-rules

Next: creating a registry of habitual corporate criminals. This rogues gallery will make it harder for other agencies – like the DOJ – and state Attorneys General to offer bullshit "delayed prosecution agreements" to companies that compulsively rip us off:

https://www.consumerfinance.gov/about-us/newsroom/cfpb-creates-registry-to-detect-corporate-repeat-offenders/

Then there's the rule against "fine print deception" – which is when the fine print in a contract lies to you about your rights, like when a mortgage lender forces you waive a right you can't actually waive, or car lenders that make you waive your bankruptcy rights, which, again, you can't waive:

https://www.consumerfinance.gov/about-us/newsroom/cfpb-warns-against-deception-in-contract-fine-print/

As Kuttner writes, the common thread running through all these orders is that they ban deceptive practices – they make it illegal for companies to steal from us by lying to us. Especially in these dying days of class action suits – rapidly becoming obsolete thanks to "mandatory arbitration waivers" that make you sign away your right to join a class action – agencies like the CFPB are our only hope of punishing companies that lie to us to steal from us.

There's a lot of bad stuff going on in the world right now, and much of it – including an active genocide – is coming from the Biden White House.

But there are people in the Biden Administration who care about the American people and who are effective and committed fighters who have our back. What's more, they're winning. That doesn't make all the bad news go away, but sometimes it feels good to take a moment and take the W.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/06/10/getting-things-done/#deliverism

[meret118]

US Treasury chief takes over consumer watchdog, freezes all activity

U.S. President Donald Trump on Monday tapped newly confirmed Treasury Secretary Scott Bessent as acting director of the Consumer Financial Protection Bureau, the agency announced. Bessent then halted virtually all CFPB activities, according to an email seen by Reuters, including investigations, litigation, rulemaking and public communications.

Bessent's arrival at the helm of an agency Republicans have long sought to abolish follows Trump's dismissal of Director Rohit Chopra at the end of last week.

Under Chopra, the agency aggressively pursued enforcement of consumer finance laws and clashed with the tech sector and banking industry over things such as the oversight of digital wallet apps and credit card fees - pursuing them through the final days of the prior administration.

[iimtcollege]

The two-day national conference concluded on Thursday at the IIMT College of Management, located in Knowledge Park. The seminar's main theme was "ICS: Semiconductor India 2024." Former CSIR-CEERI scientist Dr. SK Mahajan, co-founder of Auto NXT Pankaj Goyal, Registrar of AIPH University Dr. P Prashant, CEO Z Softlink founder and CEO Rohit Kumar, TDCOB India founder Pranay Upadhyay, and Corporate Innovation Tech Swadeshikaran's Sayan Ganguly were present. The guests were welcomed by college director Dr. Abhin Bakshi Bhatnagar. Dr. SK Mahajan said, "Today's world is nothing without electronics." The semiconductor is the heart of electronics. Five companies have been nominated for this in India. It has been told that two of these companies will be opened in Gujarat, two in Assam, and one in Kasna, Greater Noida.

.

Call Us: 9520886860

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#IIMTIndia#IIMTian#IIMTNoida#IIMTGreaterNoida#IIMTDelhiNCR

[socialmeadia]

GrittyDigitals – Your Top Digital Branding Agency for Unmatched Business Growth

Elevate Your Online Presence with Strategy and Style

In a digital-first world, simply having a website isn’t enough. You need an identity that connects, a brand that resonates, and a digital presence that drives results. At GrittyDigitals, we’re your top digital branding agency, helping diverse businesses—from startups to schools and healthcare providers—transform their digital identity and increase ROI with confidence and creativity. Ready to Stand Out? Partner with Us Now

Who We Are – Brand Builders with a Growth Mindset

Launched in 2023, GrittyDigitals is a modern agency offering digital marketing and tailored IT solutions. In under two years, we've partnered with over ten businesses across industries, delivering brand strategies, digital products, and measurable results. Our strength lies in listening—understanding your business’s vision—and translating it into innovative and scalable solutions.

We don’t just build brands. We evolve them.

Why Businesses Choose GrittyDigitals for Branding Excellence

We don’t just develop assets—we cultivate brand equity. Here’s why clients trust us as their top digital branding agency:

Deep Industry Insight: From education to healthcare, tech to real estate

Tailored Strategy Sessions: Customized solutions, not generic templates

Clear, Consistent Communication: No jargon—only clarity

Reliable Execution: Timely delivery without excess cost

Affordable Value Packages: Quality that meets your budget

At GrittyDigitals, we don’t just deliver projects—we deliver confidence.

Our Suite of Services – Full-Funnel Branding and Digital Growth

From ideation to execution, here's how we position your brand for success:

Brand Identity & Design: Logos, brand guides, and visual systems that connect

Website & App Development: Responsive, secure sites and platforms for all devices

SEO & Digital Marketing: Search, social, PPC, and content strategies that convert

CRM & Automation Solutions: Tools that streamline workflows and nurture leads

Software & Portal Development: Custom platforms—like school portals or health systems

Creative Copy & Content Strategy: Messaging that aligns with brand voice and audience

We deliver seamless experiences across digital touchpoints to ensure complete brand cohesion.

Client Success Stories – Real Brands, Real Impact

BuildCore Projects – Construction Firm Rebrand “GrittyDigitals delivered a complete digital makeover—website and brand redesign aligned perfectly with our vision and timeline.” — Rohit Singh, CEO

Modern Scholars School – Education Platform “Their portal is intuitive and easy to manage. Support is prompt and always helpful.” — Shruti P., Principal

Mediline Clinics – Healthcare Marketing “From SEO to UX, they transformed our digital presence. Our patient leads doubled within weeks.” — Anjali K., Marketing Lead

These stories reflect why businesses around the world trust GrittyDigitals as their top digital branding agency.

Frequently Asked Questions

Do you work with small businesses or startups? Yes. We design flexible branding and digital plans aligned to startups’ budgets and goals.

How long before I see results? Basic branding and web packages take 2–3 weeks. Advanced portals or campaigns may require 4–6 weeks, depending on scope.

Can I customize services? Absolutely. We tailor packages based on your industry, objectives, and budget.

Is post-launch support included? Yes. We offer monthly maintenance, analytics support, and campaign optimization services.

Start Building Your Digital Brand Today

In a competitive digital landscape, your brand needs more than visibility—it needs personality and purpose. With GrittyDigitals as your top digital branding agency, you’ll gain a partner who understands how to position your business smartly and scale it sustainably.

Transform Your Digital Identity Today

[mdidminfoway-blog]

🎉 Happy Birthday, Rohit!

Your dedication, creativity, and passion for Flutter development continue to inspire us all. We’re proud to have you as a part of our tech family.

Wishing you success, growth, and endless code breakthroughs in the year ahead!

— Warm wishes from Team MDIDM INFOWAY

#HappyBirthday #FlutterDeveloper #TeamCelebration #MDIDMINFOWAY #DeveloperLife #TechTeam #BirthdayVibes #FlutterLife #AppDeveloper #WorkplaceCelebration

[techicalcourses]

Human Resources: Empowering People, Driving Success

Behind every great company is a strong Human Resources (HR) team. Far from being limited to hiring and paperwork, HR has evolved into a strategic force—shaping organizational culture, driving employee engagement, and aligning talent with business goals. In the modern workplace, where agility, innovation, and people-centric values are key, HR is more crucial than ever.

What Does HR Really Do Today?

Traditionally, HR departments were responsible for recruitment, payroll, and employee records. But today’s HR professionals wear many hats—talent managers, culture builders, compliance officers, data analysts, and business strategists.

Here are core responsibilities of modern HR:

Talent Acquisition & Onboarding

Performance & Career Development

Employee Engagement & Retention

Compensation & Benefits Management

Compliance with Labor Laws & Policies

Workplace Diversity, Equity, and Inclusion

Organizational Development & Change Management

Modern HR is no longer reactive; it's proactive and data-driven.

The Rise of HR Technology

As companies grow, managing people efficiently becomes more complex. This is where Human Resource Management Systems (HRMS) and HR Tech solutions come in—bringing automation, analytics, and streamlined processes to the forefront.

Key HR tech features include:

Automated Payroll & Leave Management

Applicant Tracking Systems (ATS)

Employee Self-Service Portals

AI-Powered Recruitment Tools

Real-Time Analytics on Workforce Trends

Remote Work & Time Tracking Tools

HR tech doesn’t just make life easier for HR professionals—it improves the entire employee experience.

Top Tech Innovators in HR Solutions

A number of leading tech companies and visionaries are revolutionizing HR management globally. Here are some of the key players:

1. Workday (Aneel Bhusri & Dave Duffield, Co-founders)

A leader in enterprise HR and financial management, Workday provides cloud-based solutions for workforce planning, talent management, and analytics. It’s favored by large enterprises for its flexibility and scale.

2. SAP SuccessFactors

As part of SAP, SuccessFactors offers a full suite of HR tools designed to improve employee performance and streamline core HR processes. It’s a popular choice among multinational corporations.

3. BambooHR (Ben Peterson & Ryan Sanders, Founders)

Focused on small and medium businesses, BambooHR offers an easy-to-use platform for applicant tracking, onboarding, and employee data management.

4. Zoho People (by Zoho Corporation)

From the same company that created Zoho Books, Zoho People is a powerful HR platform for growing businesses. It includes time tracking, attendance, and employee self-service features, ideal for remote teams.

5. Darwinbox (Jayant Paleti, Rohit Chennamaneni, Chaitanya Peddi – Founders)

An India-based, enterprise-grade HRMS platform rapidly gaining popularity across Asia. Darwinbox brings AI, mobility, and automation together in a seamless employee experience.

The Future of Human Resources

As workforces become more hybrid, global, and digitally connected, HR will continue to evolve. Here's what we can expect:

AI-driven recruitment and performance analysis

Employee well-being as a core metric

Diversity, equity, and inclusion becoming data-driven

Increased use of predictive analytics for retention

Virtual onboarding and culture-building

With the right HR tech and a people-first mindset, businesses can build stronger teams and more resilient cultures.

Whether through global platforms like Workday or agile tools like Zoho People, HR professionals now have the tools to truly put people at the center of business growth.

[careasybangalore]

CarEasy Bangalore: Trusted by Customers, Backed by Strong Reviews and a Visionary Owner

In the fast-paced urban life of Bangalore, where time is limited and car maintenance is often neglected, one name has consistently risen as a reliable solution for vehicle owners: CarEasy. What began as a simple car service idea has evolved into one of the most trusted brands in Bangalore, offering convenient, transparent, and high-quality car care.

Backed by positive CarEasy reviews, an innovative approach by the CarEasy owner, and strong customer loyalty, the brand has become synonymous with convenience and credibility. In this blog, we dive deep into the brand’s offerings, the voice of the customers, and the man behind the business success story.

🚗 What Is CarEasy?

CarEasy is a tech-enabled car service and repair platform that connects vehicle owners with professional car service providers. From doorstep car wash and detailing to full-service maintenance and emergency repairs, CarEasy provides a one-stop solution for all car-related needs.

What makes CarEasy unique is its focus on user experience. Unlike traditional garages, the brand simplifies everything, right from booking an appointment to real-time service updates, online payment, and service history tracking. It's a service built around the customer.

Whether it’s a sedan, hatchback, SUV, or a luxury vehicle, CarEasy has trained and certified mechanics to handle every requirement, and that’s just one of the many reasons customers prefer it over local garages.

🌟 CarEasy Reviews: What Customers Are Saying

In the world of digital business, online reviews are a mirror reflecting the customer experience. When it comes to CarEasy reviews, they are overwhelmingly positive. With ratings averaging 4.8 to 5 stars across platforms like Google, JustDial, and Facebook, customers in Bangalore appreciate the value CarEasy provides.

Here are a few real testimonials from happy customers:

“Excellent service and very professional! Got my car serviced while I was working from home. Smooth experience and well-priced.” Shruti M., Whitefield

“I had a brake issue, and CarEasy sent a mechanic within 30 minutes. Issue resolved quickly, and I was back on the road.” Praveen K., Koramangala

“Tried CarEasy for the first time and I’m impressed. Transparent billing, no unnecessary charges, and the team followed up after the service too.” Rohit D., JP Nagar

These reviews highlight key factors: trust, convenience, affordability, and customer-first service.

In today’s digital world, CarEasy's reputation online has become one of its strongest assets, drawing in new users and retaining existing ones.

🧑‍💼 CarEasy Owner: The Man with the Vision

Behind every successful brand is a passionate individual, and the CarEasy owner is no exception. With a clear vision to disrupt the traditional car servicing model, the founder of CarEasy combined his background in automobile engineering and technology to create a seamless, digital-first platform.

He observed the common frustrations of car owners: lack of transparency, unreliable mechanics, time-consuming service center visits, and inconsistent pricing. CarEasy was built as a response to these issues.

The owner’s leadership style is focused on continuous innovation, customer satisfaction, and operational efficiency. By investing in technology, training, and customer support, he has created a business that doesn’t just meet expectations, it exceeds them.

From personally responding to critical reviews to introducing loyalty benefits and real-time chat support, the CarEasy owner plays an active role in shaping both strategy and service.

📍 Why CarEasy Bangalore Is a Game-Changer

Operating in Bangalore, one of India’s most tech-savvy and dynamic cities, CarEasy has tailored its services to meet the specific needs of urban car owners.

Here’s why CarEasy is fast becoming the preferred choice for vehicle servicing in Bangalore:

✅ Doorstep Convenience

From regular servicing to detailing and inspections, CarEasy brings everything to your doorstep. Users no longer need to take time off work or wait in long queues at service centers.

✅ Digital Booking & Tracking

With just a few clicks on their website or mobile app, users can schedule services, track progress, and get notified in real-time.

✅ Verified Technicians

All mechanics and service providers are background-checked and professionally trained. Safety and quality are never compromised.

✅ Transparent Pricing

No hidden fees or surprise costs. Users are provided with a full cost breakdown upfront before any work begins.

✅ Wide Range of Services

From AC repair, oil change, tire replacement, to full-body painting, CarEasy offers over 50+ service options tailored to different brands and models.

✅ Emergency Assistance

Need help on the road? CarEasy offers quick response roadside assistance in many Bangalore zones.

🛠️ Services Offered by CarEasy Bangalore

Here’s a quick look at just a few of the services available:

Car servicing (basic, standard, comprehensive)

Denting and painting

Car wash & detailing (interior and exterior)

Engine diagnostics

AC repairs and gas refill

Battery replacement

Brake and suspension work

Roadside emergency support

Insurance renewal & claims assistance

Each service includes pickup and drop-off, quality checks, and a service warranty, making the experience completely hassle-free.

📈 Growing Trust, One Customer at a Time

With thousands of satisfied customers, a growing team, and a well-earned online reputation, CarEasy Banglore is proving that automobile servicing doesn't have to be stressful. It can be smart, efficient, and customer-centric.

Whether you’re a daily commuter, weekend road tripper, or luxury car owner, CarEasy is designed for everyone. And as the CarEasy reviews consistently highlight, the service quality and customer commitment are second to none.

🏁 Final Thoughts

In a city like Bangalore, where digital solutions are the norm, CarEasy has carved a niche by combining technology, trust, and transparency. The company’s success lies in its ability to listen to customers, act on their feedback, and deliver consistently superior results.

Whether you're booking a quick car wash or a complete engine overhaul, CarEasy makes sure your car gets the best while you stay stress-free.

With the CarEasy owner’s strong leadership, stellar customer reviews, and reliable services, it’s no surprise that the brand continues to grow its footprint and loyal fan base across Bangalore.

[satoriconsultingworld-blog]

Elevate Your Kitchen Aesthetics with Glass Rolling Shutters

In the ever-evolving world of modular kitchens and modern home design, aesthetics and functionality must go hand in hand. One trending innovation that achieves both is the glass rolling shutter — a stylish yet highly practical storage solution ideal for urban Indian homes. Whether you’re revamping your kitchen or building a new one, incorporating a glass roller shutter brings a contemporary edge to your interiors.

Let’s explore why glass rolling shutters for kitchen spaces are quickly becoming a preferred choice for interior designers and modern homeowners.

What is a Glass Rolling Shutter?

A glass rolling shutter is a vertical cabinet cover that rolls upward, unlike traditional cabinet doors that swing outward. Designed with aluminium frames and high-quality glass or acrylic inserts, these shutters add a sleek finish to kitchen cabinets while saving space.

Glass shutters are typically:

Mounted with aluminium or steel framing

Available in transparent, frosted, or colored variants

Operated manually or with a soft-close mechanism

Their unique design is ideal for upper cabinets, corner units, and appliance garages — bringing a clean and uncluttered look to your kitchen.

Benefits of Glass Roller Shutters in Modular Kitchens

1. Elegant & Minimalistic Design

Glass window shutters interior offer a luxurious look, instantly upgrading your kitchen’s appeal. With frosted or colored glass finishes, they blend well with contemporary and minimal kitchen layouts.

2. Space-Saving Functionality

The vertical rolling mechanism eliminates the need for cabinet doors that swing outwards. This is particularly useful in compact kitchens where every inch counts.

3. Enhanced Visibility

The semi-transparent or transparent finish lets you easily view the contents inside, making it convenient for locating utensils, jars, or appliances without opening multiple doors.

4. Customizable Options

Available in a range of shades — from Graphite Black and Oyster White to Capri Blue and Antique Pink — these shutters can match your unique kitchen theme and vibe.

5. Durability & Easy Maintenance

Made with tempered glass and corrosion-resistant aluminium frames, glass rolling shutters are designed to withstand the rigours of Indian kitchens — including humidity, steam, and spills. Cleaning is effortless — just a quick wipe and you’re done!

Glass Rolling Shutter for Kitchen Use Cases

Appliance Garage — Store blenders, toasters, or coffee machines neatly out of sight.

Overhead Cabinets — Adds lightness and airiness to top shelves

Spice Storage Units — Keep your spice jars visible yet protected from dust.

Showcase Units — Display crockery or designer glassware with style.

Real-Life Example: Transforming a Pune Kitchen

Rohit, a tech consultant in Pune, opted for a glass roller shutter setup in his 70 sq.ft. apartment kitchen. The result? A cleaner countertop, better access to daily-use appliances, and a stylish, airy feel. “The frosted finish hides clutter while making the kitchen look bigger,” he shares.

Why Choose Satori EsyRolling Shutters?

At Satori EsyRolling Shutters, we specialize in crafting custom rolling shutter solutions for modern Indian kitchens. Our glass window shutters interior come in multiple styles, finishes, and sizes to perfectly suit your space and needs.

We offer:

Toughened safety glass

Premium aluminium frames

Soft-close or manual operation options

A wide variety of shades and color palettes

On-site consultation and precision installation

Final Thoughts

If you want a perfect combination of form and function, a glass rolling shutter for kitchen cabinets is the answer. It brings elegance, efficiency, and a touch of modern luxury to any kitchen layout.

Upgrade your modular kitchen today. Discover India’s finest glass roller shutter collections at Satori EsyRolling Shutters and experience a new level of style and practicality.

[tycoonworld]

Olyv Kicks Off Kolkata OOH Campaign with Brand Ambassador Sourav Ganguly

New Delhi, 10th, July 2025: Olyv, one of India’s fastest-growing digital lending platforms, has announced the launch of its first Out-Of-Home (OOH) campaign featuring its brand ambassador, Sourav Ganguly, in Kolkata — the city of joy.

Timed to coincide with Ganguly’s birthday month, the campaign goes live on 4th July 2025, just days ahead of Dada’s birthday on 8th July, celebrating not just an icon’s legacy but also Olyv’s mission to empower millions with easy, transparent, and accessible credit.

Since its launch, Olyv has achieved over 4 crore app downloads nationwide, with ~70% repeat customers, demonstrating strong trust and loyalty in its offerings. The Olyv app maintains a solid 4.6-star Google Play rating, a testament to its user-friendly experience and transparent approach to lending.

Kolkata holds a special place in my life, and I’m proud to see Olyv kickstart this new chapter from my home city,” said Sourav Ganguly. “The brand is committed to carrying the torch for resilience, trust, and pushing boundaries; values which deeply resonate with me. I am excited to be a part of this journey as we reach more Indians and empower them with financial access that’s truly inclusive.

Rohit Garg, CEO and Co-founder of Olyv, added, “This is a milestone moment for us as we take Olyv’s trusted digital promise to the streets. Launching our first OOH campaign with Dada in Kolkata is symbolic; it’s about celebrating resilience, trust, and the ambition to win together. We are excited to connect with more people, more communities, and help them unlock their financial potential.”

The campaign rollout includes prominent hoarding at a key location in Kolkata, highlighting Olyv’s vision to stand by every Indian in their aspirations, whether it’s securing funds when they need them or building better credit health for the future.

About Olyv: 

Founded in 2017, Olyv (formerly SmartCoin) started as an app-based consumer lending platform, tied up with RBI-registered lenders to provide quick personal loans to the underbanked self-employed and salaried individuals of India. The ISO-certified app has over 4 crore app downloads, having served 19,000+ pin codes across India.

The new Olyv identity marks the start-up’s evolution beyond a credit-led platform to a comprehensive digital financial platform that offers bigger loans, digital gold savings, credit health management products, and so on. Olyv’s vision is to provide technology-driven financial products that empower the next billion hard-working and underserved Indians, fostering financial inclusion and partnering growth aspirations.

With an adept team comprising 350+ professionals, Olyv is on a mission to cater to a wide spectrum of ‘Emerging India’. The company has been supported by reputed fintech investors like LGT Lightstone and Accion, among others. Olyv’s impact mission to ensure tech-driven financial inclusion and wellness for India was recognized at the eminent World Economic Forum platform and as the Best AI Application of Tech for Good at the Financial Express Futech Award 2022. Olyv has also received substantial recognition for its efforts at national events like Google’s Launchpad Accelerator as well as international ones such as Global Inclusive50 by MetLife, VISA, IFC, and so on. Olyv is also an active member of DLAI and FACE, working to make the fintech landscape better for both the customers and the fintech players.

[mostlysignssomeportents]

Trump’s CFPB kills data-broker rule

I'm on a 20+ city book tour for my new novel PICKS AND SHOVELS. Catch me in PITTSBURGH TONIGHT (May 15) at WHITE WHALE BOOKS, and in PDX on Jun 20 at BARNES AND NOBLE with BUNNIE HUANG. More tour dates (London, Manchester) here.

Something amazing happened from 2020-2024: even as parts of the Biden administration were encouraging genocide and covering up the president's senescence, a small collection of little-regarded agencies were taking a wrecking ball to corporate power, approaching antitrust and consumer protection with a vigor not seen in generations.

One of the most effective agencies during those years was the Consumer Finance Protection Bureau. Under the direction of Rohit Chopra, the CFPB finally used its long-dormant powers to rein in the most egregious and abusive conduct of America's most predatory corporations, like banks, fintech, and repeat corporate offenders, with a 7-2 Supreme Court mandate to go hard:

https://pluralistic.net/2024/06/10/getting-things-done/#deliverism

As impressive as the whole CFPB agenda was, the standout for me was its attack on America's data brokerage industry. Data brokers are effectively totally unregulated, and they buy and sell every intimate fact of your life. The reason every device in your life – smart speaker, car, toothbrush, thermostate – spies on you all the time is because data brokers will buy any data from anyone and sell it to anyone, too.

Data brokerages put "surveillance capitalist" companies like Google and Meta to shame (indeed, Big Tech buys a lot of data from brokerages, as do agencies like the DEA, ICE and the FBI, who treat the brokerages as a warrant-free, off-the-books mass surveillance system). Data brokerages combine data about your movements, purchases, friends, medical problems, education, love life, and more, and bucket you into categories that marketers (or scammers) can buy access to. There are over 650,000 of these categories, including "seniors with dementia," "depressed teenagers" and "US military personnel with gambling problems":

https://themarkup.org/privacy/2023/06/08/from-heavy-purchasers-of-pregnancy-tests-to-the-depression-prone-we-found-650000-ways-advertisers-label-you

Congress hasn't passed a new consumer privacy law since 1988's Video Privacy Protection Act. The last technological privacy issue your legislature considered important enough to address was the scourge of video-store clerks telling newspapers which VHS cassettes you took home:

https://pluralistic.net/2023/12/06/privacy-first/#but-not-just-privacy

Congress's massive failure created equally massive risks for the rest of us. From phishing and ransomware attacks to identity theft to stalking and SWATting, America's privacy nihilism enabled mass-scale predation upon all of us, rich and poor, old and young, rural and urban, men and women, racialized and white.

That's the void that the CFPB stepped into last summer, when they passed a new rule that would effectively shut down the entire data brokerage industry:

https://pluralistic.net/2023/08/16/the-second-best-time-is-now/#the-point-of-a-system-is-what-it-does

Yesterday, Trump's CFPB boss, Russell Vought, killed that rule, stating that it was "no longer necessary or appropriate":

https://www.wired.com/story/cfpb-quietly-kills-rule-to-shield-americans-from-data-brokers/

Here's the thing: Trumpism relies on the fusion of two groups of people: a tiny number of oligarchs, and millions of everyday people who are constantly victimized by those oligarchs. To get this latter group of Christmas-voting turkeys to stay in the coalition, Trump needs to delivery something that keeps them happy. Mostly, Trump delivers negative things to keep them happy – the spectacle of public cruelty to immigrants, women, trans people, academics, etc. There is a certain libidinal satisfaction that comes from watching your enemies suffer – but you can't eat schadenfreude. You can't make rent or put braces on your kids' teeth or pay your medical bills with the sadistic happiness you feel when you hear the sobs of people you've been taught to despise.

For Trump to keep the turkeys voting for Christmas, he needs to do something for them. He can't just do things to scapegoats. But America's eminently guillotineable oligarchs have found so many ways to turn working peoples' torment into riches, and they are so greedy and unwilling to give up any of those grifts, that Trump can't manage to deliver anything positive to his base. Last week, his FTC killed the "click to cancel" rule that required companies that tricked you into buying subscriptions to make it easy for you to cancel them:

https://pluralistic.net/2025/05/12/greased-slide/#greased-pole

There isn't a single person in the Trump base who isn't harmed by data brokers. Every red-hat-wearing MAGA footsoldier has been swindled with a recurring-payment scam by clicking a deceptive link. The material conditions of the lives of Trump's base – already in severe jeopardy thanks to the massive inflation the tariffs will cause, and the plummeting wages that the ensuing mass business-closures will bring about – cannot be improved in any way.

I don't think anyone knows for sure how much support Trump can win solely by torturing the people his supporters hate, even as those supporters' lives get worse and worse. The one thing I'm sure of, though, is that it's less support than Trump would get if he could do something – anything – to make their lives even a little better.

Trump owes his success to coalition-building. The Trumpist agenda – ripoffs and racism and rape – has been around forever, in festering pockets like the John Birch Society, but those feverish monsters were encysted by the body politic and kept away from power. When a group of people who've been unsuccessfully trying to do something for a long time suddenly attain success, the most likely explanation is that they have found coalition partners to join them in their push.

Every coalition is brittle, because coalition partners want different things (if you want the same thing, you're just a group – "coalitions" are, definitionally, made up of people who want different things). They have shared goals, sure, but some of the things that some of the coalition partners want are things that the other partners totally reject. When one partner wins, the other partners lose. Trump's been good at holding together his coalition, but he's running up against some hard limits.

Here's what Naomi Klein told Cerise Castle from Capital & Main/The American Prospect:

The most serious vulnerability that Trump has is that a large part of his base really hates Silicon Valley and is not interested in being replaced by machines. So it’s a monumental bait-and-switch that Trump has done with this immediate alignment with the billionaire class in Silicon Valley, and if the left can’t exploit that, then we’re doing something wrong.

https://prospect.org/culture/2025-05-13-moment-of-unparalleled-peril-interview-naomi-klein/

Killing the CFPB's data broker rule is a pure transfer from the Trump base to Silicon Valley oligarchs, whose hunger for our private data know no bounds.

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2025/05/15/asshole-to-appetite/#ssn-for-sale

Image: Cryteria (modified) https://commons.wikimedia.org/wiki/File:HAL9000.svg

CC BY 3.0 https://creativecommons.org/licenses/by/3.0/deed.en

[masters-in-sap-abap]

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