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NEW YORK (AP) — U.S. stocks tiptoed to more records amid a mixed Tuesday of trading, tacking a touch more onto what’s already been a stellar year so far. The S&P 500 edged up by 2 points, or less than 0.1%, to set an all-time high for the 55th time this year. It’s climbed in 10 of the last 11 days and is on track for one of its best years since the turn of the millennium. The Dow Jones Industrial Average slipped 76 points, or 0.2%, while the Nasdaq composite added 0.4% to its own record set a day earlier. AT&T rose 4.6% after it boosted its profit forecast for the year. It also announced a $10 billion plan to send cash to its investors by buying back its own stock, while saying it expects to authorize another $10 billion of repurchases in 2027. On the losing end of Wall Street was U.S. Steel, which fell 8%. President-elect Donald Trump reiterated on social media that he would not let Japan’s Nippon Steel take over the iconic Pennsylvania steelmaker. Nippon Steel announced plans last December to buy the Pittsburgh-based steel producer for $14.1 billion in cash, raising concerns about what the transaction could mean for unionized workers, supply chains and U.S. national security. Earlier this year, President Joe Biden also came out against the acquisition. Tesla sank 1.6% after a judge in Delaware reaffirmed a previous ruling that the electric car maker must revoke Elon Musk’s multibillion-dollar pay package. The judge denied a request by attorneys for Musk and Tesla’s corporate directors to vacate her ruling earlier this year requiring the company to rescind the unprecedented pay package. All told, the S&P 500 rose 2.73 points to 6,049.88. The Dow fell 76.47 to 44,705.53, and the Nasdaq composite gained 76.96 to 19,480.91. In the bond market, Treasury yields held relatively steady after a report showed U.S. employers were advertising slightly more job openings at the end of October than a month earlier. Continued strength there would raise optimism that the economy could remain out of a recession that many investors had earlier worried was inevitable. The yield on the 10-year Treasury rose to 4.23% from 4.20% from late Monday. Yields have seesawed since Election Day amid worries that Trump’s preferences for lower tax rates and bigger tariffs could spur higher inflation along with economic growth. But traders are still confident the Federal Reserve will cut its main interest rate again at its next meeting in two weeks. They’re betting on a nearly three-in-four chance of that, according to data from CME Group. Lower rates can give the economy more juice, but they can also give inflation more fuel. The key report this week that could guide the Fed’s next move will arrive on Friday. It’s the monthly jobs report , which will show how many workers U.S. employers hired and fired during November. It could be difficult to parse given how much storms and strikes distorted figures in October. Based on trading in the options market, Friday’s jobs report appears to be the biggest potential market mover until the Fed announces its next decision on interest rates Dec. 18, according to strategists at Barclays Capital. In financial markets abroad, the value of South Korea’s currency fell 1.1% against the U.S. dollar following a frenetic night where President Yoon Suk Yeol declared martial law and then later said he’d lift it after lawmakers voted to reject military rule. Stocks of Korean companies that trade in the United States also fell, including a 1.6% drop for SK Telecom. Japan’s Nikkei 225 jumped 1.9% to help lead global markets. Some analysts think Japanese stocks could end up benefiting from Trump’s threats to raise tariffs , including for goods coming from China . Trade relations between the U.S. and China took another step backward after China said it is banning exports to the U.S. of gallium, germanium, antimony and other key high-tech materials with potential military applications. The counterpunch came swiftly after the U.S. Commerce Department expanded the list of Chinese technology companies subject to export controls to include many that make equipment used to make computer chips, chipmaking tools and software. The 140 companies newly included in the so-called “entity list” are nearly all based in China. In China, stock indexes rose 1% in Hong Kong and 0.4% in Shanghai amid unconfirmed reports that Chinese leaders would meet next week to discuss planning for the coming year. Investors are hoping it may bring fresh stimulus to help spur growth in the world’s second-largest economy. In France, the CAC 40 rose 0.3% amid continued worries about politics in Paris , where the government is battling over the budget. AP Business Writers Yuri Kageyama and Matt Ott contributed.Okeanis Eco Tankers (NYSE:ECO) Sees Strong Trading Volume – Time to Buy?Celtics edge Timberwolves for fifth straight win
Etermax has been making games since 2009 and it score a big hit with Trivia Crack in 2013. The game has had had more than 800 million downloads to date, but Etermax has been finding new markets for it still. On November 28, Etermax launched Trivia Crack World on Meta Quest as a new virtual reality game that transports players to an immersive and interactive amusement park, blending knowledge, fun, and global connections across VR headsets, desktops, and mobile devices. Now the company is also expanding the world with new updates for the game, which has a 4.9 star rating out of 5. Trivia Crack World is the first-ever immersive trivia game on Meta Quest, offering a dynamic and engaging experience for casual gamers, trivia enthusiasts, and families alike. Set in a vibrant, knowledge-themed amusement park, players can interact with Trivia Crack’s beloved characters in real-time. Each character like Willy the Wheel has its own subject-themed island. Willy the Wheel also serves as the grand host of the park, which is opening its doors with Hector’s Museum, Albert’s lab and Tito’s Safari. The aim for Trivia Crack World is to present a refreshing alternative to typical VR titles, said Federico Segovia, head of product at Etermax in Buenos Aires, Argentina, in an interview with GamesBeat. “We didn’t just translate the mobile version. The advantage of VR is that you can create an immersive world where people can meet in real time. You can customize the experience, choose your language, and select the difficulty of the questions,” Segovia said. The development of Trivia Crack World was carried out by Etermax, 100% in-house, from the game itself to the soundtrack, Segovia said. While Etermax has more than 300 people, the VR game involved a team of more than 20 people, including designers, programmers, and others. The extended staff team at Etermax also supported the project throughout the development of the launch plan, which includes an integrated strategy of promotion and business. Additionally, the support from the Meta team in their promotional channels played a crucial role. Trivia Crack World aims to bring the fun of a trivia night out with friends and family to your living room. Players aged 13 and older can compete in various trivia challenges and explore trending topics in multiple languages while interacting with a global, online community. Adapting to VR Segovia, who has been at Etermax since 2016 as a game designer and now head of product, worked on the project for the past year. The company assembled a team that was familiar with family play, casual games mobile play, VR technology and a wide variety of audiences. “It was exciting to me as I have been a Vr player on the Meta Quest,” Segovia said. “We wanted to bring trivia to its next level. It’s an adaptation of the mobile version of trivia crack, but everything was redesigned. The interaction is in real time and so the social aspect of the game is powerful.” While VR is often a solitary form of entertainment, trivia is inherently more social. So it made sense to create a multiplayer version of the trivia game in addition to a solo play version. “The driver of the main game is the open match, where people who don’t know each other can gather and play,” Segovia said. The VR version also includes user-generated questions, much like with the mobile version, where players can create more local content relevant for their own city or country. “Across the development of the game, we worked a lot with the core community to get feedback, like building an attraction for the outdoor club,” Segovia said. “We wanted to make the game stand out from the competition in the store. “We’ve always liked challenges,” Segovia said. “We were pioneers with our trivia game and we made it into the best in the mobile stores. Now with VR, the market started to get interesting about three years ago,” Segovia said. “We deicded VR would be very important for for consumers in the future. So we make this first step to move into it.” While many people think that VR hardware is only attractive to hardcore gamers, there are a lot of casual games at the top of the VR stores. The content includes casual, midcore and hardcore games. While the market is still early, VR games are becoming successful enough to support a number of mid-size game studios like Schell Games and Resolution Games. Trivia Remixed: Take on challenges, solve puzzles, and more Trivia Crack World merges the iconic Trivia Crack brand, which is known in 180 countries and 34 languages, with Meta Quest’s VR technology. Players go on a trivia adventure and not only answer questions but also solve puzzles, interact with virtual objects, and tackle challenges that blend cognitive and physical skills. Minigames include fishing for answers, drawing accurately, hitting targets, and navigating mazes—adding unique twists to the old trivia format. Trivia Crack World connects players worldwide and offers a multilingual experience supported by Trivia Crack’s Question Factory, which boasts over 50 million user-generated trivia questions. Localized content ensures players encounter fresh, relevant questions based on their geographical location. Trivia Crack World lets players engage in trivia with others with two multiplayer modes. Players can compete with trivia fans globally, answering questions to climb leaderboards, earn trophies, and access exclusive rewards in a competitive environment. Players can also play solo, where you test your knowledge and train your trivia skills in your own time. And you can engage in private matches, where users can create custom games, share codes, and enjoy a friendly trivia showdown no matter the distance. Trivia Crack World is available on Meta Quest in English, Spanish, Portuguese, French, Italian, and German, it can also be played on Android , iOS , and Windows devices. Expanding the amusement park with new updates The beloved Trivia Crack franchise has now added new themed attractions and a new space where players can spark their curiosity and enjoy thrilling challenges hosted by the game’s characters. Arriving just in time for Christmas, players will be able to explore two new immersive attractions: Tito’s Safari and Albert’s Lab, and an enhanced experience in Hector’s Museum. Each adventure challenges players with interactive quests hosted by the game’s iconic characters. Albert’s Lab : Players will have the opportunity to visit Albert’s bastion of science and face off his robot in an epic game of charades. The challenge? Solve the mystery with the fewest questions to be crowned the winner. Tito’s Safari : Invites players to a scavenger hunt in a series of islands in search of amazing animals. Users will have to spot and learn about each species with those who successfully capture photos of all the safari’s creatures receiving a bundle of tickets to spend at the shop. Hector’s Island : The Museum of Hector is the first attraction to receive a dedicated island space. This new zone is filled with historical objects for players to interact with and explore, as well as a place to meet other players before entering the main exploration maze of the museum. This is just the beginning—soon, all attractions will feature their own dedicated island zones. Players of all ages can explore knowledge-based adventures like scavenger hunts, epic charades, and historical challenges in a fully immersive virtual amusement park. The game is available on the Meta Horizon Store for $10. If you want to impress your boss, VB Daily has you covered. We give you the inside scoop on what companies are doing with generative AI, from regulatory shifts to practical deployments, so you can share insights for maximum ROI. Read our Privacy Policy Thanks for subscribing. Check out more VB newsletters here . An error occured.
Scottish artist Jasleen Kaur has won the Turner Prize for her solo exhibition Alter Altar, which includes an installation of a car with a giant doily on it. Happy Valley actor James Norton announced the winner in a ceremony held at Tate Britain on Tuesday evening. The five jury members chose Kaur for “her ability to gather different voices through unexpected and playful combinations of material, from Irn-Bru to family photographs and a vintage Ford Escort, locating moments of resilience and possibility”. Kaur, who was born in Glasgow but lives and works in London, used her speech to advocate for the people in Palestine. The 38-year-old said she wanted to “echo the calls of the protesters outside” who had gathered after an open letter urged the Tate to cut ties with “organisations complicit in what the UN and ICJ are finally getting closer to saying is a genocide of the Palestinian people”. “This is not a radical demand,” Kaur said on stage. “This should not risk an artist’s career or safety. We’re trying to build consensus that the ties to these organisations are unethical, just as artists did with Sackler,” she said, referencing the family linked to the opioid epidemic. “I’ve been wondering why artists are required to dream up liberation in the gallery but when that dream meets life we are shut down. “I want the separation between the expression of politics in the gallery and the practice of politics in life to disappear. “I want the institution to understand that if you want us inside, you need to listen to us outside.” Kaur concluded her speech by calling for a ceasefire, adding: “Free Palestine.” BBC reporter Katie Razzall had to apologise to viewers after Kaur used a swear word in her speech. The artist was nominated for an exhibition that was held at the Tramway in her home city last year. The display, a series of installations exploring religious identities, politics and history, makes heavy use of different sounds, embedded into the exhibition by way of worship bells, Sufi Islamic devotional music, Indian harmonium, and pop tracks. This year the arts prize, named after British painter JMW Turner, which awards £25,000 to its winner, is celebrating its 40th anniversary. Established in 1984, the prize is awarded each year to a British artist for an outstanding exhibition or other presentation of their work. Previous recipients include sculptor Sir Anish Kapoor (1991), artist Damien Hirst (1995), and filmmaker Sir Steve McQueen (1999). In 2025, the prize will be presented in Bradford at Cartwright Hall art gallery, marking the 250th anniversary of Turner’s birth. The exhibition of the four shortlisted artists – Pio Abad, Claudette Johnson, Delaine Le Bas, and Kaur – is at Tate Britain until February 16 2025.
Putin faces antisemitism accusations following attack on ‘ethnic Jews’Scottish artist Jasleen Kaur has won the Turner Prize for her solo exhibition Alter Altar, which includes an installation of a car with a giant doily on it. Happy Valley actor James Norton announced the winner in a ceremony held at Tate Britain on Tuesday evening. The five jury members chose Kaur for “her ability to gather different voices through unexpected and playful combinations of material, from Irn-Bru to family photographs and a vintage Ford Escort, locating moments of resilience and possibility”. Kaur, who was born in Glasgow but lives and works in London, used her speech to advocate for the people in Palestine. The 38-year-old said she wanted to “echo the calls of the protesters outside” who had gathered after an open letter urged the Tate to cut ties with “organisations complicit in what the UN and ICJ are finally getting closer to saying is a genocide of the Palestinian people”. “This is not a radical demand,” Kaur said on stage. “This should not risk an artist’s career or safety. We’re trying to build consensus that the ties to these organisations are unethical, just as artists did with Sackler,” she said, referencing the family linked to the opioid epidemic. “I’ve been wondering why artists are required to dream up liberation in the gallery but when that dream meets life we are shut down. “I want the separation between the expression of politics in the gallery and the practice of politics in life to disappear. “I want the institution to understand that if you want us inside, you need to listen to us outside.” Kaur concluded her speech by calling for a ceasefire, adding: “Free Palestine.” BBC reporter Katie Razzall had to apologise to viewers after Kaur used a swear word in her speech. The artist was nominated for an exhibition that was held at the Tramway in her home city last year. The display, a series of installations exploring religious identities, politics and history, makes heavy use of different sounds, embedded into the exhibition by way of worship bells, Sufi Islamic devotional music, Indian harmonium, and pop tracks. This year the arts prize, named after British painter JMW Turner, which awards £25,000 to its winner, is celebrating its 40th anniversary. Established in 1984, the prize is awarded each year to a British artist for an outstanding exhibition or other presentation of their work. Previous recipients include sculptor Sir Anish Kapoor (1991), artist Damien Hirst (1995), and filmmaker Sir Steve McQueen (1999). In 2025, the prize will be presented in Bradford at Cartwright Hall art gallery, marking the 250th anniversary of Turner’s birth. The exhibition of the four shortlisted artists – Pio Abad, Claudette Johnson, Delaine Le Bas, and Kaur – is at Tate Britain until February 16 2025.
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Officials with the FBI are alerting those in New Jersey and Pennsylvania of two dangerous scams. And while you may think these scams are easy to spot and there's no way anyone could fall for them, countless people's lives are turned upside down as a result of these fraudsters every year. Romance Scams As the holidays approach, the FBI says to be particularly careful not to fall for romance scams . Typically, a scammer will work to establish a relationship as quickly as possible, endear himself to the victim, and gain trust. Scammers will often seem genuine, caring, and believable, and may propose marriage, but will likely use any number of excuses to avoid actually meeting in person. At some point, the victim will be asked to give the scammer money, sometimes under the guise of needing cash or gift cards for a medical or personal emergency. Keep in mind that scammers can easily go through social media accounts and harvest lots of information about you, even on verified platforms like dating websites or apps, which may make the fake relationship seem that much more genuine. Experts say if someone wants to build a relationship with you, proceed cautiously, do your homework, and never send money or gifts to someone that you've never met. READ MORE: FBI issues warning to E-ZPass users in NJ, PA Ransomware Also around the holidays, the FBI says you need to be aware of ransomware attacks . You can fall victim to ransomware simply by opening an email attachment, clicking on an ad, following a link, or even visiting a website that's embedded with malware. This time of year, be cautious of emails or text messages regarding package deliveries or purchases that you may or may not have made. Once the code is loaded on a computer, it will lock access to the computer itself or data and files stored there. More menacing versions can encrypt files and folders on local drives, attached drives, and even networked computers. Most of the time, you don’t know your computer has been infected. You'll discover the problem when you can no longer access your files or you see messages demanding ransom payments. Again, do your homework — for example, if you are not expecting a package delivery, don't click on an email that says you are. Most commonly used passwords in NJ, PA Meanwhile, if you use any of these passwords, you should strongly consider changing them... The 10 Most Commonly Used Passwords in New Jersey The ten most commonly used passwords in New Jersey, as determined by NordPass . Gallery Credit: Chris Coleman Best elementary schools in New Jersey (2024) In November 2024, U.S. News & World Report released its list of the best elementary schools in New Jersey. Gallery Credit: Dino FlammiaAll three major indices are now positive on the day. The gains are led by the S&P index which is up 0.41%. The NASDAQ index is up 0.39%. The Dow industrial average which was down by as much as -309.91 points is now back in positive territory with a gain of 59.23 points or 0.13%. Both the S&P and the Dow industrial average are on pace for record closes. For the Dow industrial average, it closed at a record level yesterday so anything positive today, would be a new record. For the S&P index it's all time high close was reached on November 11 at 6001.35. The current index is trading at 6012 up 25 points or 0.41%. The NASDAQ index is trading up 73 points or 0.39% at 19128. It's all time high closing level was at 19298.76 also reached on November. 11. The Russell 2000 is trading down -20.69 points or -0.85% at 2421.35. Yesterday the index closed at 2442.03. That was just short of its all-time high close of 2442.74 reached back in November 2021. Some big winners today include: Microsoft, +2.01% Amazon, +2.69% Meta , +1.21% Oracle, +1.26% Alphabet, +1.08% Novo Nordisk +1.38% Walmart +2.56% Salesforce, +1.0% Palo Alto networks+2.66% Dell will announce its earnings after the close. Its shares are currently down $2.95 or -2.05% at $141.37. Shares of Dell are up around 85% this year. Dell EPS is expected at $2.06 on Revenues of $24.67B. That compares to $1.88 (+9.04%) on revenues of $22.25B (10.8%). Earnings have been expectations in 10 straight quarters. Revenues they been expectations on eight of the last 10 quarters. Key Items to Watch: Dell's AI Growth Momentum Dell emphasizes AI growth as a critical focus, mirroring industry trends. AI-optimized server demand reached $3.2 billion in Q2 , a 23% increase from Q1. Backlog for AI-optimized servers stood at $3.8 billion at the end of Q2. Dell's pipeline for AI solutions has expanded to multiples of its backlog , signaling strong future demand. Shares of Dell peaked at $179.80 on the day before its earnings announcement on May 30, 2024. The price gap lower the next day opening at $143.80. The price stepped lower from there bottoming on August 7 at a low of $86.93 before starting its rebound back to the upside. Recently, Dell's shares have benefited from the turmoil from Super Micro Computer as they struggled with accounting issues
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Chess grandmaster Magnus Carlsen returns to a tournament after a dispute over jeans is resolvedChess grandmaster Magnus Carlsen returns to a tournament after a dispute over jeans is resolved
By SARAH PARVINI, GARANCE BURKE and JESSE BEDAYN, Associated Press President-elect Donald Trump will return to power next year with a raft of technological tools at his disposal that would help deliver his campaign promise of cracking down on immigration — among them, surveillance and artificial intelligence technology that the Biden administration already uses to help make crucial decisions in tracking, detaining and ultimately deporting immigrants lacking permanent legal status. While immigration officials have used the tech for years, an October letter from the Department of Homeland Security obtained exclusively by The Associated Press details how those tools — some of them powered by AI — help make life-altering decisions for immigrants, including whether they should be detained or surveilled. One algorithm, for example, ranks immigrants with a “Hurricane Score,” ranging from 1-5, to assess whether someone will “abscond” from the agency’s supervision. The letter, sent by DHS Chief Artificial Intelligence Officer Eric Hysen to the immigrant rights group Just Futures Law, revealed that the score calculates the potential risk that an immigrant — with a pending case — will fail to check in with Immigration and Customs Enforcement officers. The algorithm relies on several factors, he said, including an immigrant’s number of violations and length of time in the program, and whether the person has a travel document. Hysen wrote that ICE officers consider the score, among other information, when making decisions about an immigrant’s case. “The Hurricane Score does not make decisions on detention, deportation, or surveillance; instead, it is used to inform human decision-making,” Hysen wrote. Also included in the government’s tool kit is a mobile app called SmartLINK that uses facial matching and can track an immigrant’s specific location. Nearly 200,000 people without legal status who are in removal proceedings are enrolled in the Alternatives to Detention program, under which certain immigrants can live in the U.S. while their immigration cases are pending. In exchange, SmartLINK and GPS trackers used by ICE rigorously surveil them and their movements. The phone application draws on facial matching technology and geolocation data, which has been used before to find and arrest those using the app. Just Futures Law wrote to Hysen earlier this year, questioning the fairness of using an algorithm to assess whether someone is a flight risk and raising concerns over how much data SmartLINK collects. Such AI systems, which score or screen people, are used widely but remain largely unregulated even though some have been found to discriminate on race, gender or other protected traits. DHS said in an email that it is committed to ensuring that its use of AI is transparent and safeguards privacy and civil rights while avoiding biases. The agency said it is working to implement the Biden administration’s requirements on using AI , but Hysen said in his letter that security officials may waive those requirements for certain uses. Trump has publicly vowed to repeal Biden’s AI policy when he returns to the White House in January. “DHS uses AI to assist our personnel in their work, but DHS does not use the outputs of AI systems as the sole basis for any law enforcement action or denial of benefits,” a spokesperson for DHS told the AP. Trump has not revealed how he plans to carry out his promised deportation of an estimated 11 million people living in the country illegally. Although he has proposed invoking wartime powers, as well as military involvement, the plan would face major logistical challenges — such as where to keep those who have been detained and how to find people spread across the country — that AI-powered surveillance tools could potentially address. Karoline Leavitt, a spokesperson for Trump, did not answer questions about how they plan to use DHS’ tech, but said in a statement that “President Trump will marshal every federal and state power necessary to institute the largest deportation operation” in American history. Over 100 civil society groups sent a letter on Friday urging the Office of Management and Budget to require DHS to comply with the Biden administration’s guidelines. OMB did not immediately respond to a request for comment. Just Futures Law’s executive director, Paromita Shah, said if immigrants are scored as flight risks, they are more likely to remain in detention, “limiting their ability to prepare a defense in their case in immigration court, which is already difficult enough as it is.” SmartLINK, part of the Intensive Supervision Appearance Program, is run by BI Inc., a subsidiary of the private prison company The GEO Group. The GEO Group also contracts with ICE to run detention centers. ICE is tight-lipped about how it uses SmartLINK’s location feature to find and arrest immigrants. Still, public records show that during Trump’s first term in 2018, Manassas, Virginia-based employees of BI Inc. relayed immigrants’ GPS locations to federal authorities, who then arrested over 40 people. In a report last year to address privacy issues and concerns, DHS said that the mobile app includes security features that “prohibit access to information on the participant’s mobile device, with the exception of location data points when the app is open.” But the report notes that there remains a risk that data collected from people “may be misused for unauthorized persistent monitoring.” Such information could also be stored in other ICE and DHS databases and used for other DHS mission purposes, the report said. On investor calls earlier this month, private prison companies were clear-eyed about the opportunities ahead. The GEO Group’s executive chairman George Christopher Zoley said that he expects the incoming Trump administration to “take a much more aggressive approach regarding border security as well as interior enforcement and to request additional funding from Congress to achieve these goals.” “In GEO’s ISAP program, we can scale up from the present 182,500 participants to several hundreds of thousands, or even millions of participants,” Zoley said. That same day, the head of another private prison company told investors he would be watching closely to see how the new administration may change immigrant monitoring programs. “It’s an opportunity for multiple vendors to engage ICE about the program going forward and think about creative and innovative solutions to not only get better outcomes, but also scale up the program as necessary,” Damon Hininger, CEO of the private prison company CoreCivic Inc. said on an earnings call. GEO did not respond to requests for comment. In a statement, CoreCivic said that it has played “a valued but limited role in America’s immigration system” for both Democrats and Republicans for over 40 years.
Two US government agencies on Tuesday took action to limit the nonconsensual collection, use and sharing of consumers’ personal information. The developments could make accurate audience segmentation and ad targeting more difficult – but align with broader privacy trends globally. Both the FTC and the CFPB are moving to restrict the collection and sale of sensitive consumer data in the US / Adobe Stock The US’ Consumer Financial Protection Bureau (CFPB) is seeking to tighten the reins on data brokers, on Tuesday proposing a rule that would subject them to stricter oversight, including restrictions on the sale of consumers’ sensitive personal information such as phone numbers and Social Security numbers. It would also ensure that consumers’ financial information – such as their income – is only shared for “legitimate purposes, like facilitating a mortgage approval, and not sold to scammers targeting those in financial distress,” according to the filing. “By selling our most sensitive personal data without our knowledge or consent, data brokers can profit by enabling scamming, stalking, and spying,” the agency’s director Rohit Chopra said in a statement published Tuesday. He said the new proposal, if adopted, would “curtail these practices that threaten our personal safety and undermine America’s national security.” The development coincides with landmark settlements by the US Federal Trade Commission (FTC) on Tuesday against two data brokers – one involving Mobilewalla and another involving Gravy Analytics and its subsidiary Venntel Inc. Both organizations were accused of unlawfully collecting, storing and selling the location data of millions of Americans. According to the FTC, Mobilewalla tapped into sensitive data from real-time bidding exchanges and third-party aggregators without consumers’ knowledge. The company also used sensitive location data to build out audience segments for ad targeting. Between January of 2018 and June of 2020, the Georgia-based firm gathered over 500m unique advertising identifiers, paired with their precise location data, and sold this non-anonymized data to advertisers. The agency’s chair, Lina Khan, called out the bad behavior explicitly. “Persistent tracking by data brokers can put millions of Americans at risk, exposing the precise locations where service members are stationed or which medical treatments someone is seeking,” she said in a statement. “Mobilewalla exploited vulnerabilities in digital ad markets to harvest this data at a stunning scale. The FTC is cracking down on firms that unlawfully exploit people’s sensitive location data and ensuring that we protect Americans from unchecked surveillance.” Following the FTC settlements, both companies agreed to halt the collection of sensitive location data, delete previously gathered information and establish safeguards to prevent further misuse. The settlements also require the firms to create sensitive-location programs to shield areas like medical facilities and religious organizations from tracking. These settlements are just the latest in a long line of investigations into and actions against data brokers and adtech companies for privacy violations. The FTC is currently embroiled in a similar case with Kochava; the regulatory body has accused the broker of selling the geolocation data of millions of users – including from sensitive locations. Earlier this year, meanwhile, Oracle settled a class action lawsuit concerning its alleged use of invasive data tracking technologies for $115m – and just weeks later announced it would shutter its entire advertising operation. What it means for the digital advertising industry The CFPB’s proposed rule and the FTC orders share two key goals: providing consumers with greater control over how their personal data is used, shared, or sold; and limiting the collection and use of sensitive data in particular – like health or location information. These restrictions would go further than many existing state privacy laws, which often allow organizations to gather and use data unless consumers opt out. However, some states already require opt-in consent for sensitive data. Advertisement The key issue for the ad industry, according to Arielle Garcia, director of intelligence at adtech watchdog Check My Ads and former chief privacy officer at UM Worldwide, is that, taken together, the CFPB’s proposal and the FTC actions are likely to create tighter limitations on the amount of data available to companies. “The reality is that when people are given actual choice over having their visits to church or the doctor, or their income shared with an unknown number of third parties, domestically and abroad, many will choose ‘no.’ As a result, providing people with meaningful choice necessarily means a reduction in data availability,” she says. The implications for downstream data recipients, including many adtech companies and data aggregators, may be especially significant due to mandates in the FTC orders that would require companies to implement a supplier assessment program to verify that consumer consent is obtained for all location data collection. In short, it’s an extra check. This guardrail would, in Garcia’s telling, “curb the ability to turn a blind eye and rely on contractual assurances.” She adds: “The days of plausible deniability would be no more.” As a result, the digital advertising landscape could expect audience segments to become less accurate and less reliable. Advertisement Despite the potential negative effects on advertising efficacy, many advertisers – and their partners – have shifted away from a reliance on third-party data as privacy regulations proliferate in markets across the world and signal loss worsens on the open web. With these new hurdles in its way, the ad industry has embraced first-party data strategies, which are likely to remain fair game. “Generally, non-sensitive first-party data – where there is a legitimate consumer relationship, and where that data is collected with adequate notice and choice – is not in the crosshairs,” Garcia says, “despite the fear-mongering prevalent in industry about any attempt to regulate privacy.” Nonetheless, not every advertiser is well-positioned to build up strong first-party datasets, and limitations like those being considered by the CFPB could still limit the scale of available consumer data across the ecosystem. As such, experts like Garcia recommend testing other approaches like contextual targeting, running on inclusion lists and reallocating media budgets to trusted environments. A tipping point for federal action on privacy? The CFPB’s and the FTC’s crackdown on the collection, storage and sale of personal information aligns with broader efforts by the Biden administration to enhance consumers’ data privacy. In February, the President signed an executive order restricting the sale of Americans’ data to “countries of concern,” including China, Russia, North Korea, Iran, Venezuela and Cuba. The move rattled adland at the time , with industry leaders suggesting that it could limit the commercial uses of consumer data collected by apps like TikTok and Temu. Tuesday’s developments could represent a “tipping point” in the momentum building to pass federal privacy legislation in the US, says Jamie Barnard, CEO and co-founder of Compliant, a data compliance firm serving the ad industry. These actions, he says, indicate “a growing commitment from regulatory bodies to enforce stricter data privacy measures,” and anticipates that they could spur similar action from other regulators and enforcement bodies. Catch up on the most important stories of the day, curated by our editorial team. Stay up to date with a curated digest of the most important marketing stories and expert insights from our global team. Learn how to pitch to our editors and get published on The Drum. Barnard expects that the proliferation of strict privacy regulations in Europe over the last decade could serve as a “bellwether” for what’s to come in the US – and suggests that the country may soon replace its opt-out standard for consumer choice with an opt-in regime “The US will be forced to consent. It is the only viable, reliable long-term solution,” he says. Such a change would carry major implications for the digital ad ecosystem and would require “significant adjustments for advertisers and publishers,” Barnard says, “who would need to prioritize compliance and transparency to avoid legal repercussions.” Some other industry leaders, like Mike Cross, executive vice-president of measurement at digital-first global agency Monks, agrees that the ad industry should read the writing on the wall. These developments, he says, “underscore the importance of how enterprises centralize and govern all data they use to run their businesses, including marketing,” and warns against poor data management – which could diminish organizations’ abilities to control noncompliant practices. Barnard goes so far to say that “today’s ... adtech model is living on borrowed time.” He anticipates that the data brokering business will require a fundamental overhaul sooner rather than later. And as a result, so too will digital advertising. “Relying on opaque data practices and invasive tracking is unsustainable,” he says. “The call for transparency and ethical data sourcing is deafening. Advertisers must prioritize consumer trust and adopt privacy-preserving strategies. This isn't just about compliance; it's about aligning business practices with societal values.” Despite the warning calls, the future of these regulatory efforts remains uncertain, particularly given the incoming administration’s stated intention to roll back consumer protections under the leadership of Donald Trump. The CFPB’s proposal will be open for public comment until March 2025. For more, sign up for The Drum’s daily newsletter here .By SARAH PARVINI, GARANCE BURKE and JESSE BEDAYN, Associated Press President-elect Donald Trump will return to power next year with a raft of technological tools at his disposal that would help deliver his campaign promise of cracking down on immigration — among them, surveillance and artificial intelligence technology that the Biden administration already uses to help make crucial decisions in tracking, detaining and ultimately deporting immigrants lacking permanent legal status. While immigration officials have used the tech for years, an October letter from the Department of Homeland Security obtained exclusively by The Associated Press details how those tools — some of them powered by AI — help make life-altering decisions for immigrants, including whether they should be detained or surveilled. One algorithm, for example, ranks immigrants with a “Hurricane Score,” ranging from 1-5, to assess whether someone will “abscond” from the agency’s supervision. The letter, sent by DHS Chief Artificial Intelligence Officer Eric Hysen to the immigrant rights group Just Futures Law, revealed that the score calculates the potential risk that an immigrant — with a pending case — will fail to check in with Immigration and Customs Enforcement officers. The algorithm relies on several factors, he said, including an immigrant’s number of violations and length of time in the program, and whether the person has a travel document. Hysen wrote that ICE officers consider the score, among other information, when making decisions about an immigrant’s case. “The Hurricane Score does not make decisions on detention, deportation, or surveillance; instead, it is used to inform human decision-making,” Hysen wrote. Also included in the government’s tool kit is a mobile app called SmartLINK that uses facial matching and can track an immigrant’s specific location. Nearly 200,000 people without legal status who are in removal proceedings are enrolled in the Alternatives to Detention program, under which certain immigrants can live in the U.S. while their immigration cases are pending. In exchange, SmartLINK and GPS trackers used by ICE rigorously surveil them and their movements. The phone application draws on facial matching technology and geolocation data, which has been used before to find and arrest those using the app. Just Futures Law wrote to Hysen earlier this year, questioning the fairness of using an algorithm to assess whether someone is a flight risk and raising concerns over how much data SmartLINK collects. Such AI systems, which score or screen people, are used widely but remain largely unregulated even though some have been found to discriminate on race, gender or other protected traits. DHS said in an email that it is committed to ensuring that its use of AI is transparent and safeguards privacy and civil rights while avoiding biases. The agency said it is working to implement the Biden administration’s requirements on using AI , but Hysen said in his letter that security officials may waive those requirements for certain uses. Trump has publicly vowed to repeal Biden’s AI policy when he returns to the White House in January. “DHS uses AI to assist our personnel in their work, but DHS does not use the outputs of AI systems as the sole basis for any law enforcement action or denial of benefits,” a spokesperson for DHS told the AP. Trump has not revealed how he plans to carry out his promised deportation of an estimated 11 million people living in the country illegally. Although he has proposed invoking wartime powers, as well as military involvement, the plan would face major logistical challenges — such as where to keep those who have been detained and how to find people spread across the country — that AI-powered surveillance tools could potentially address. Karoline Leavitt, a spokesperson for Trump, did not answer questions about how they plan to use DHS’ tech, but said in a statement that “President Trump will marshal every federal and state power necessary to institute the largest deportation operation” in American history. Over 100 civil society groups sent a letter on Friday urging the Office of Management and Budget to require DHS to comply with the Biden administration’s guidelines. OMB did not immediately respond to a request for comment. Just Futures Law’s executive director, Paromita Shah, said if immigrants are scored as flight risks, they are more likely to remain in detention, “limiting their ability to prepare a defense in their case in immigration court, which is already difficult enough as it is.” SmartLINK, part of the Intensive Supervision Appearance Program, is run by BI Inc., a subsidiary of the private prison company The GEO Group. The GEO Group also contracts with ICE to run detention centers. ICE is tight-lipped about how it uses SmartLINK’s location feature to find and arrest immigrants. Still, public records show that during Trump’s first term in 2018, Manassas, Virginia-based employees of BI Inc. relayed immigrants’ GPS locations to federal authorities, who then arrested over 40 people. In a report last year to address privacy issues and concerns, DHS said that the mobile app includes security features that “prohibit access to information on the participant’s mobile device, with the exception of location data points when the app is open.” But the report notes that there remains a risk that data collected from people “may be misused for unauthorized persistent monitoring.” Such information could also be stored in other ICE and DHS databases and used for other DHS mission purposes, the report said. On investor calls earlier this month, private prison companies were clear-eyed about the opportunities ahead. The GEO Group’s executive chairman George Christopher Zoley said that he expects the incoming Trump administration to “take a much more aggressive approach regarding border security as well as interior enforcement and to request additional funding from Congress to achieve these goals.” “In GEO’s ISAP program, we can scale up from the present 182,500 participants to several hundreds of thousands, or even millions of participants,” Zoley said. That same day, the head of another private prison company told investors he would be watching closely to see how the new administration may change immigrant monitoring programs. “It’s an opportunity for multiple vendors to engage ICE about the program going forward and think about creative and innovative solutions to not only get better outcomes, but also scale up the program as necessary,” Damon Hininger, CEO of the private prison company CoreCivic Inc. said on an earnings call. GEO did not respond to requests for comment. In a statement, CoreCivic said that it has played “a valued but limited role in America’s immigration system” for both Democrats and Republicans for over 40 years.