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Cell phone interviews were conducted with adults who have cell phone service only and with those who have both cell phone and landline service in the household. When asked about the importance of abortion rights, 61 percent of likely voters say the issue is very important in determining their vote for Congress and another 20 percent say it is somewhat important; just 17 percent say it is not too or not at all important. Among partisans, an overwhelming majority of Democrats (78%) and 55 percent of independents say it is very important, compared to 43 percent of Republicans. Majorities across regions and all demographic groups—with the exception of men (49% very important)—say abortion rights are very important when making their choice among candidates for Congress.
And, as for companies looking to draw in new customers – when consumers authorize transfers of their personal financial data, new providers will be able to treat them as if they have been long-time customers. Because of the authorized data, companies will immediately know the products and services that could best fit their new customers’ needs. We present results for five geographic regions, accounting for approximately 90 percent of the state population.
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We will be developing requirements to limit misuse and abuse of personal financial data, as well as frauds and scams. A common point of concern across jurisdictions around the world is how unscrupulous actors will look to harvest and hoard consumer financial data as it increases in scale. These and other successful examples of regulation that decentralize market power are guiding our financial data rights rulemaking.
While Americans are becoming numb to routine data breaches, including massive ones like the Equifax failure, we know that more needs to be done to stop this underworld from intercepting even more highly sensitive personal data. Transaction data will be especially useful for these purposes, and help bring an end to the current reliance on the three-digit social credit scores derived from credit reports that are cloaked in secrecy and rife with inaccuracies. If successful, it will also reduce the ability for incumbents to build moats and for middlemen to serve as gatekeepers. It will provide big advantages to those who provide the best products, service quality, and rates.
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Direct deposits need to be reset, as do scheduled payments linked by ACH or debit card. And consumers need to take these actions, while managing day-to-day liquidity issues. Our rule will facilitate third party companies that offer services to make switching recurring payments easier. Likewise, nascent firms would be able to use data permissioned by consumers to improve upon and customize, to provide greater access, and to develop products and services. Under the current regime, nascent firms often find themselves in the position of needing to curry favor with big market players.
Research publications reflect the views of the authors and do not necessarily reflect the views of our funders or of the staff, officers, advisory councils, or board of directors of the Public Policy Institute of California. This survey was supported with funding from the Arjay and Frances F. Miller Foundation and the James Irvine Foundation. Margin of error ±3.9% at 95% confidence level for the total sample, ±5.1% for likely voters. Numerous questions were adapted from national surveys by ABC News/Washington Post, CBS News, NPR/PBS NewsHour/Marist, and the Pew Research Center.
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Finally, financial companies can find new ways to underwrite and score with less bias. Today, many companies are now exploring new underwriting models that return to core principles – assessing ability to repay without attempting to use outside information to model a consumer’s presumed ability to repay. Importantly, a more open market will also make sure consumers won’t have to start from scratch. For example, Americans often use their deposit account history as a life ledger – it is a written record that keeps track of payments and deposits, which can be helpful for taxes, for disputes with merchants, or insurers, and for other purposes. By allowing consumers to transfer their ledger to a new institution, the rule could make switching institutions easier – you won’t need to maintain a relationship with your bank to maintain your written record. For example, consumers who want to link their accounts with an app that helps them budget, make payments, or find a route to affordable credit would be able to do so without having to provide login credentials to third parties that are used in screen scraping.
If a firm is required to make a person’s financial information available to them, or to a third party acting on the consumer’s behalf, via a secure method, we will be able to mitigate some of the problems that exist today. For instance, individuals who want to switch providers will be able to transfer their account history to a new company, so they don’t have to start over if they are unsatisfied with the service provided by an incumbent firm. The Federal Communications Commission’s number portability rules reduced switching costs by allowing customers to move their phone number to a new carrier. Decades before, the so-called Carterfone rules ensured that new devices could be interoperable with AT&T’s network, through standardized jacks and plugs, even if produced by third parties. "The suggestion that the incumbent market leader, with clear and enduring market power, could be foreclosed by the third largest provider as a result of losing access to one title is not credible," Microsoft told GamesIndustry.biz.
The shares saying they are following the news very closely is highest among residents in Republican districts (39%), Republicans (30%), whites (29%), and adults with incomes of $40,000 to $79,999 (29%). Older likely voters (27%) are slightly more likely than younger likely voters (21%) to say they are following the news closely. California voters have now received their mail ballots, and the November 8 general election has entered its final stage. The 2022 midterm election also features a closely divided Congress, with the likelihood that a few races in California may determine which party controls the US House.
Additionally, we utilized a registration-based sample of landline phone numbers for adults who are registered to vote in California. After a household was reached, an adult respondent was randomly chosen for interviewing using the “last birthday method” to avoid biases in age and gender. Microsoft also accuses Sony of not welcoming competition from Xbox Game Pass and that Sony has decided to block Game Pass on PlayStation.
Strong majorities across partisan groups feel negatively, but Republicans and independents are much more likely than Democrats to say the economy is in poor shape. Solid majorities across the state’s major regions as well as all demographic groups say the economy is in not so good or poor shape. In a recent ABC News/Washington Post poll, 24 percent (3% excellent, 21% good) of adults nationwide felt positively about the US economy, while 74 percent (36% not so good, 38% poor) expressed negative views.
Our rulemaking will not turn on a switch, but I hope it will move us in that direction. Through that process, we’ll hear from small banks and financial companies who will be providers of data, as well as the small banks and financial companies who will ingest the data. We will also gather input from the “fourth parties,” the intermediary data brokers that facilitate data transfers. Through these transaction accounts, the rule will be able to facilitate new approaches to underwriting, payment services, personal financial management, income verification, account switching, and comparison shopping. For example, even when large institutions that share personal data with their customers use APIs, there is no guarantee those institutions don’t play games on availability, latency, and critical data points, like price. Ideally, these rules are bright lines that require a minimal number of lawyers who bill by the hour.
We present results for non-Hispanic whites, who account for 41 percent of the state’s adult population, and also for Latinos, who account for about a third of the state’s adult population and constitute one of the fastest-growing voter groups. We also present results for non-Hispanic Asian Americans, who make up about 16 percent of the state’s adult population, and non-Hispanic African Americans, who comprise about 6 percent. Results for other racial/ethnic groups—such as Native Americans—are included in the results reported for all adults, registered voters, and likely voters, but sample sizes are not large enough for separate analysis.
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