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LiveJournal Feedback. Here you can also share your thoughts and ideas about updates to LiveJournal Your request has been filed. Fan Tokens are minted on Chiliz blockchain and voting is executed using a series of Chiliz blockchain smart contracts, providing a trustless and scalable governance solution to its community of subscribers.
CHZ Depth Chart Zoom 0. Chiliz is a fan token and has gained popularity in the football world over the last few years. CHZ Coin Yorum! Chiliz Coin Geleceği! CHZ is the native token of the Chiliz ecosystem and the Socios. com sports fan engagement platform and is used to pay when consumers purchase fan tokens on Socios.
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Magic Trader® - D-five Ing-ml- Mz- [9]! Magic Trader® - D-five Ing-ml! Magic Trader® - D-five Ingredients! Magic Trader® - D-five Ing-universal-[7] Thank you, MetaStock. NEW FEATURES User-defined Custom Indices Breadth Indicators Popular Customizable Breadth Indicators External Relative Strength ERSA Improved user workflow that supports MetaStock lists Improved user workflow that supports MetaStock local data folders New and improved user interface Thank you, MetaStock.
As a user, it would be useful to have a standardized price format in OptionScope. As a user, it would be useful to cancel the Custom Interval box with the ESC key.
As a user, it would be useful in QuoteCenter to create a new list by selecting instruments from the currently loaded list. As a user, it would be useful to be able to load a list of options instruments from OptionScope in QuoteCenter via right-click.
As a user, it would be useful to multi-select shift-click tickers in the symbol lookup in DownLoader's Create New Security.
As a user, it would be useful to display the Option Instrument instead of the Option Name. As a user, it would be useful to display the instrument in OptionScope. As a user, it would be useful to select a list of options symbols from the OptionScope UI.
As a user, it would be useful to get a warning before replacing an unsaved QuoteCenter list with a new list. As a user, it would be useful for the data editor in MetaStock to match the behavior of the data editor in DownLoader. As a user, it would be useful to display local data with only 1 data point in QuoteCenter. As a user, it would be useful to chart Open Interest options data.
As a user, it would be useful to display OptionScope using themes. ISSUES FIXED RMO produces errors on instruments with data having the same high, open, low, and close. Setting the Short Initial and Short Maintenance to causes a System Tester error.
Explorations removed via the 'de-selection' dialogue box Use each exploration's previously selected instruments show up in the next exploration report.
OptionScope is not selecting the corresponding dates when Monthly is selected. All local instruments lists within Instrument Search are visible on OptionScope tab in PowerConsole. Open selected instruments in QuoteCenter is visible in OptionScope but is not functional. Add checked descendants to Custom List visible in OptionScope but is not a supported feature.
The Trade Date in the header of OptionScope does not display the "Trade Date". The first instrument from page 2 does not move onto page 1 after deleting an instrument from page 1 in QuoteCenter. When selecting "Close all" and selecting "Yes to all" the dialog is not auto-populated with a file name. In QuoteCenter the Help button disappears when making it it's narrowest with the expander menu open. In OptionScope the Greek values intermittently do not calculate.
Error in HighestSinceBars Calculation when using Nth value greater than 1. The copy becomes disabled if Select All is immediately checked in a QuoteCenter window without first selecting an individual cell. The "Save All" keyboard shortcut not displayed in the File menu. OptionScope does not clear the instrument from Power Console "Instruments field" after opening OptionScope.
QuoteCenter does not clear the instrument from Power Console "Instruments field" after opening QuoteCenter Bullet points are not capitalized in Getting Started Manual. Typo on page 37 of Chapter 5 in the Getting Started manual. Selecting "Ok" and "Invalid Symbol" in the Downloader Collection Status dialog displays no instruments in the Collection Report, when there should be results to display. Saving a list in QuoteCenter then adding an instrument to QuoteCenter results in duplicate instrument added.
When using CSV files if the first character is not or A-Z Metastock can not read the file. Copying from the exploration report does not retain proper sort order when pasting into Excel. Charts with long file names can overrun the save as dialog. QuoteCenter not displaying Names for certain RICs.
Opening instruments in OptionScope via Instrument Search erroneously displays the "No results match Filter" message while loading. The space bar is not selecting items in QuoteCenter tree control.
The "Save as" dialog in QuoteCenter does not disappear to be using the Esc key. While offline, the Delete key still allows you to delete an online symbol, even though the "Delete selected Instruments" button and right-click Delete menu option is disabled. Exploration Execution Help topic refers to Status icons that are not visible in MetaStock when running an exploration.
When the monthly filter is selected the "Expiration Date" filter is highlighting more dates than just the monthly options dates. OptionScope displays different names and dates for FOREX.
Canceling Custom Interval in PowerConsole retains custom intervals rather than reverting back to the previous selection. OptionScope crashes when moving a Call column to the Put column area. As a user, it would be useful to get open interest in a formula. ISSUES FIXED: RMO produces errors on instruments with data having the same high, open, low, and close. The open chart displays the wrong instrument name. In QuoteCenter the Help button disappears when making it narrowest with the expander menu open.
The copy becomes disabled if Select All is immediately checked in the QuoteCenter window without first selecting an individual cell. Options price data requests fail when regional settings use non-US decimal and grouping separators.
When using CSV files if the first character is not or A-Z MetaStock cannot read the file. Australia stock is not showing the most current data, it's a day behind in MetaStock DC.
Canceling Custom Interval in PowerConsole retains custom intervals rather than reverting back to previous selection. OptionScope crashes when moving a Call column. Smart Get-Out - EW New exploration - STS - Discovery FIXES Updated Expert Advisor names Updated Expert Advisor ribbon Updated Expert Advisor descriptions Thank you, MetaStock Management.
ISSUES FIXED Selecting "Ok" and "Invalid Symbol" in the Downloader Collection Status dialog displays no instruments in the Collection Report, when there should be results to display.
UPDATES: HRC 3x8 Trap Template HRC 3x8 Trap Expert Advisor HRC 3x8 Trap Exploration Thank you, MetaStock. NEW FEATURES Indicators: Elasticity Elasticity Long Stop Elasticity Short Stop Elasticity State System Tests Elasticity Explorations Elasticity Closing Positions Elasticity Opening Positions Expert Advisors Elasticity Expert Advisor Thanks, MetaStock.
UPDATES: Added the ability to re-name Strategies so multiple Strategies can be created page 36 in the manual Improved training on markets other than the U. Set to install properly when the Chart Pattern Engine is installed prior to FT Stocks. UPDATES: Chart Pattern Engine installation was updated to install properly when FT Stocks is installed on the same system.
UPDATES: Addition of time frames in the FT Patterns interface from Fulgent AI.. UPDATES: Cup and Handle patterns show proper shading Improved patterns - Gaps and Volume Climaxes Thanks, MetaStock. Thanks, MetaStock Management. DownLoader v. ISSUES FIXED Modifying Legacy Instrument and then downloading data causes collection report to show no data collected.
Set "Instrument Search" default to "Starts With" instead of "Contains". Inconsistent usage to the "Legacy" data file type in Downloader Help file Index MSFL vs Msfl vs MS Legacy. Collection Report Status for "Invalid Symbols" is reporting no errors.
After changing the instrument of a legacy data file, Downloader downloads zero data records. Monthly Legacy data created in DownLoader v The -express switch in Downloader doesn't close the program down after a download. Multiple express downloads ends up sitting at collection report instead of closing DownLoader.
When QuoteCenter initially loads all values should be set to "-" until all data is populated. ISSUES FIXED: The references for the CPR add-on in the MetaStock Help file use the old exploration report dialog images.
Modifying Legacy Instrument and then downloading data causes collection report to show no data collected. The tooltips for OI and Volume in OptionScope are showing the same description. Grammar issue chapter 5 page 26 of Getting Started - QuoteCenter section. Inconsistent formatting in Getting Started Chapter 5 - between QuoteCenter other tools. The instrument tree is not expanded on first run for the QuoteCenter and OptionScope tabs. Can't add an Optimization through the System Test editor.
Delayed Data label in OptionScope disappears when a price change tick occurs. After changing the instrument of a legacy data file, DownLoader downloads zero data records. Topics found for Bollinger bands have an incorrect entry for Bollinger Band Top. Glyphs in column headers in Exploration results grid view are not persisting.
Help topic could not be found when selecting Help button in the Expert Advisor. Multiple express downloads sit at the Collection Report instead of closing DownLoader. MetaStock is not retaining the window size and position. OptionScope is available from the right-click menu of a local data chart. Thank you, MetaStock Capitalization issue chapter 5 page 26 of Getting Started - QuoteCenter section. Inconsistent usage of the "Legacy" data file type in Downloader Help file Index MSFL vs Msfl vs MS Legacy.
Capitalization issue chapter 5 page 26 of Getting Started - QuoteCenter section. RMO Trade Model reports a "divide by zero error" on data having the same High, Open, Low, Close values. Inconsistent signals reported with the Bullish breakout formula of the LCI Breakout Signals exploration and expert advisor.
Selecting a template prior to selecting an instrument from a list in the Power Console will prevent the "Use template's periodicity" option from applying when checked. When using the Up arrow on the keyboard to navigate to the top of the data sheet it will stop scrolling prior to getting to the top of the data sheet. Jim Berg Volatility Entry Advisor Expert has an extra space which prevents it from being displayed in the Jim Berg Volatility Entry template. MetaStock will crash when using the "security" formula function and referencing an invalid folder path.
Custom online and local lists are not transferred when upgrading from the previous version v Description text of the exploration is appended to name after editing the name of the exploration. MetaStock will close when the Deselect button is pressed if the use each exploration's previously selected instruments under Multiple Explorations is selected and one of the Multiple Explorations was not run before. Forecaster exception performing a User-Defined Pattern Select on weekly Acer ticker using online data.
Unhandled exception in forecaster after selecting "Modify Selected Pattern". When pasting instruments into new custom online list does not always resolve the instrument names. Phantom triangles remain in the columns of an exploration report after selecting another column to sort by. When using Turkey Region CSV data not properly reading the High price and substituting Close in its place.
Page 10 of Getting Started tells customers to not un-install the previous version before upgrading. Grammatical errors in Getting Started manual. Sort button does not retain sort settings if column headers aren't defined in exploration report. Clicking on column headers to sort will prevent Sort button from taking effect in the exploration report. Incorrect Positive Volume Index documentation in MetaStock Help file. Incorrect Negative Volume Index documentation in MetaStock Help file.
Minimizing Exploration Report dialogue behaves differently than minimizing exploration execution dialogue. Fundamentals and Resources are out of date from the right-click menu of the chart. Dynamic Trading Tools MetaStock Help topics contains outdated Exploration report image. LocalDataListSyncThreshold config setting not using region settings Italy, Germany.
Description in Alpha and Beta indicators still reference making composite in DownLoader in Help file. Forecaster App: recognizer experienced an internal error. Commissions in System Test Options no longer support fractional values. When converting data MSLocal or Legacy to CSV if Overwrite destination data is not checked once you convert you get an error 'Duplicate data in destination' for all instruments converted. Downloading weekly data for symbols that are not traded heavily gives a "Timestamps for weekly data must be in increments of 7 days" validation error and data is not downloaded.
Performing multiple data downloads in Downloader will trigger data corrections that result in data loss. Local data list that has been deleted comes back as a custom online data list. When converting daily data it overwrites the name in the data file if one already exists in the destination file.
Spelling error in Downloader Help file. Conversion reports the total records in the destination file as "Records Converted" instead of the total records converted from the source file. Downloader instrument lookup is slow to respond. MetaStock DC's Help file indicates that the "Default Field" of a smart chart can be changed. NEW FEATURES: Addition of the "Bars" column to the Fulgent AI exploration. Thank you, MetaStock Management. BUG FIXES: Capitalize the name of the OVI explorations.
Add the "Close" as a column to the OVI Negative and OVI Positive explorations. Capitalize the "How long" header in the exploration report of the OVI Negative and OVI Positive explorations.
Update OVI Positive and OVI Negative exploration criteria. Update OVI template to match styling of the charts on the OVI site. Correct a spelling correction in OVI manual. NEW FEATURES: The display is now more adaptable to higher end resolutions and magnification. In "TB break" break study, users can now scan for symbols where the 1D and 15Day level has just broken out.
BUG FIXES: Repaired a bug that caused an extra interval, titled 15D, to erroneously display. NEW FEATURES Indicators: MQ Momentum MQ Value Charts Explorations: MQ Value Charts R Ext Overvalued MQ Value Charts R Ext Undervalued MQ Value Charts R Sig Overvalued MQ Value Charts R Sig Undervalued MQ Value Charts R VC Buy MQ Value Charts R VC Sell Expert Advisors: MQ Value Charts Templates: Mq Value Charts Thanks, MetaStock Management.
NEW FEATURES New exploration - TradeTrend - Long Signal New exploration - TradeTrend - Short Signal Thanks, MetaStock Management. FIXES Correction of Short position stop price in the expert commentary. You may now alter the alert properties exactly how you want it.
Further, you may choose to be alerted via an email, voiceover or even a popup with a personalized Alert Message. Outside Day Reversal Alerts! An easy way to detect potential market reversal points. Rahul often refers to these bars as the Action Bars, which could be the first signal of the trend change.
Particularly helps when you are looking at identifying stocks closer to their week lows or vice versa. Rahul felt that adding a TD15 will be of great help to those with a slightly broader outlook in terms of time and profits.
Some traders may find monthly level less responsive as it updates only on the first trading day of the month. With the new TD15 indicator and screener, you get a Hybrid approach which will take the efficiency curve up! Alerts can be configured as Voice and Email alerts. As always it scans effortlessly and gives you a hands-free approach!
ATM BC Sync With the new ATM BC Sync, you get a complete analysis of the Breakout Catcher and Zone Detector indicators combined. Misc performance improvements Small under the hood improvements to enhance performance has been put in place to handle larger stock lists and the expanded indicator list.
ATM SWI template file corrected. MetaStock Daily Charts Maintenance Release v. SectorStat Oil instrument OIIL. K delisting, and replaced with OILU. MetaStock Real-Time Maintenance Release v.
TXT File Format has incorrect Note in MetaStock Help. A rankable "Close" column included with all but one due to space limitations Exploration. Update users manual. Updated Expert Advisor Commentary and Expert Advisor Symbols for Frypan Bottoms Uptrend. Added Bearish Doji Sandwich signal and exploration criteria. New Indicator: JD Scoupe Trend Renamed Explorations: JD- Scoupe Bearish Momentum A intraday JD- Scoupe Bearish Momentum B EOD JD- Scoupe Bullish Momentum A intraday JD- Scoupe Bullish Momentum B EOD JD- Scoupe Long Entry 1 intraday JD- Scoupe Long Entry 2 end of day JD- Scoupe Short Entry 1 intraday JD- Scoupe Short Entry 2 end of day Renamed Expert Advisors JD Scoupe Ver1 intraday JD Scoupe Ver 2 end of day Removed System Tests JD- Scoupe Ver.
MetaStock Real Time v. ISSUES FIXED Update Legacy local data "Weekly Data Validation" rules in MetaStock to match Downloader. Descriptions of Local data file formats in MetaStock Help do not match the DownLoader Help. Converting data in the Downloader to MSLocal will overwrite the destination security data.
Weekly Legacy local data files fail to convert with validation timestamp errors. Modifying MSLocal data file on a non-mapped network drive will cause Downloader to crash. MSLocal data files should be locked from writing while opened by another user.
If the datasheet is opened MetaStock detects a data validation failure and it can cause a crash when the user tries to modify the datasheet display. Downloader conversion issue with "4 Day" interval weekly data. Problems downloading weekly data with timestamps that are not in increments of 7 days.
MSLocal data file containing zero values results in all Forecaster recognizers failing. Downloader will not download any data if the download start date is set to the year X-Axis cursor label does not use space under the Y-axis. Forecaster chart background renders incorrectly with price values less than 2. Removing Bollinger Band and other studies from chart crashes Metastock. X-Axis Properties Help Typo. MetaStock crashes when creating a custom online list using symbol lookup. Update local data limitations in MetaStock and Downloader Help files.
Update the Help file for Forecast Oscillator. Update MetaStock Help for Multi-RIC CSV Conversion. MetaStock becomes unresponsive when trying to drag a Fibonacci Retracement line study or an Equidistance Channel to a new position after plotting it onto a semi-log chart.
Menu items render in the wrong locations when monitor DPI is set to a high value. Changing last date loaded to yesterday goes back two days. When adding Local Instruments to a custom list from an exploration report, the list is created in the Custom Online list section.
List of instruments from exploration report is not retained for charts opened from the exploration report. Adding a local data chart to a custom list while in offline mode does not add the chart to the list in the Power Console.
Next Security when using Legacy data changes charts load options. MetaStock Smart Charts are not being imported on first run after upgrading. Saved Charts in MetaStock v11 are not opening in MetaStock v Public list is available when in offline mode if you select a local symbol. Downloader crashing when converting MS Local to CSV format. Using "base" security function on a CSV chart causes a MetaStock crash.
Templates and Layouts from earlier versions of MetaStock have issues compressing data if they had Retain Scale enabled. When opening up certain legacy Smart Charts, symbol references appear to be getting corrupted. MetaStock crashes when selecting Prompt for Dates in Chart Load Options with local data. Combination of typing and selecting an instrument can cause an online request when working from a local data chart. Once a Local chart is opened, X-Axis Load Dates and Load Max checkbox are grayed out.
Commentary window does not refresh when changing to another chart. Applying templates in MetaStock v15 to saved charts and layouts created in MetaStock v11 are giving an error. MetaStock 15 crashes opening charts - running scans when using MSLocal files created in Downloader v Saving local data as saved charts disables the option to load more data. Security function failing in system tester when defaulting to BASE with legacy data local data.
Saved charts of local data not loading all data into chart and Load Options not controlling loaded data properly. Better support for keyboard shortcuts in DownLoader v Ability to select multiple securities from the collection report for deletion. Display the base instrument symbol by default in the chart window. Ability to reference local data symbols from the Security function. Ability to generate multiple local data lists by recursing through subfolders.
Improved error message when inputting an invalid symbol in Power Console Ability to copy data from a DownLoader datasheet to the clipboard. ISSUES FIXED Remove "MS11 1st hour breakout - 5 min. bars" Expert Advisor from MetaStock Daily Charts. Legacy Local Data files fail to load to a local data list and prevents the Browse button on the New Custom List dialog from working.
Composites using DataLink are producing a "NULL" error when opening through the PowerConsole. Composites hanging when opening in MetaStock. When opening saved MetaStock charts an "illegal file type" error is reported. Update the Legacy local data "Weekly Data Validation" rules in MetaStock to match Downloader.
Descriptions of Local Data file formats in MetaStock Help do not match the DownLoader Help. When converting in Downloader to MSLocal it will overwrite the destination security. Weekly Legacy local data files fail to convert with validation time stamp error. MSLocal should be locked from writing while already opened by another user.
If the datasheet is opened MetaStock detects a data validation failure it can cause a crash when the user tries to modify the datasheet display. Removing Bollinger band and other studies from chart crashes Metastock. MetaStock crashes when creating a custom online list using "symbol lookup".
A federal appeals court struck a major blow against the Consumer Financial Protection Bureau with a finding that its funding mechanism is unconstitutional. The decision is likely to be challenged, setting up a major fight for the future of the top U.
consumer-finance watchdog. As set up under the Dodd-Frank Act, the CFPB is funded by the Federal Reserve rather than congressional appropriations. But Republicans have chafed at what they view as anti-business practices and a lack of oversight. The structure has been the target of legal challenges before.
Democratic Sen. Elizabeth Warren, who oversaw the CFPB's creation , responded to the ruling on Twitter, writing that "extreme right-wing judges are throwing into question every rule the CFPB enforces to protect consumers and businesses alike. Republican Sen. Cynthia Lummis, meanwhile, said the CFPB "needs the same Congressional oversight as every other government agency. The CFPB is expected to challenge the ruling, though it has yet to confirm that. To that point, the CFPB issued new guidance to credit-reporting agencies Thursday about omitting what it called "junk data" from credit reports.
The CFPB has faced several challenges to its existence over its 11 years in business. In , the Supreme Court ruled that restrictions on when its leader can be removed were unconstitutional, but rejected a plea to strike down the agency as a whole.
The most significant fear from progressive lawmakers and consumer groups is that the CFPB could see its resources chopped if left to the whims of Congress. Public Interest Research Group. The new court decision comes as the CFPB, under Biden-appointed director Rohit Chopra , has taken a more aggressive stance toward the financial industry than his Trump administration predecessors.
Chopra has also promised scrutiny over the way large technology companies are expanding into financial services.
But the agency is also taking up initiatives with fintech industry support, including finally setting up open-banking rules to guide data-sharing between financial institutions and tech companies. What the ruling means for the fintech industry remains to be seen.
While regulators and companies can occasionally come into conflict, the agencies also serve an important role in providing rules of the road and certainty for business models. His decisions on major cryptocurrency cases have quoted "The Big Lebowski," "SNL," and "Dr. The ways Zia Faruqui right has weighed on cases that have come before him can give lawyers clues as to what legal frameworks will pass muster.
Veronica Irwin vronirwin is a San Francisco-based reporter at Protocol covering fintech. Previously she was at the San Francisco Examiner, covering tech from a hyper-local angle. Before that, her byline was featured in SF Weekly, The Nation, Techworker, Ms.
Magazine and The Frisc. One hundred percent electronic. The author is Magistrate Judge Zia Faruqui. His rulings have made smart references to "The Big Lebowski," "Dr.
Strangelove," and "SNL" parodies of the McLaughlin Group. Rather, before taking the judge position Faruqui was one of a group of prosecutors in the U. There, Faruqui prosecuted cases that involved terrorism, child pornography, and weapons proliferation. But the ways Faruqui has weighed on cases that have come before him can give lawyers clues as to what legal frameworks will pass muster. Crypto lawyers have drawn on his prior decisions in the context of the Tornado Cash sanctions, for example.
Faruqui spoke with Protocol about the power of his position, and what people in crypto should understand about the law. There was another prosecutor, Christopher Brown — you know, the other Chris Brown — and he had taken an interest in this when we were both working on financial crime in the Washington, D. Our U.
attorney at the time, Jessie Liu, had this idea of using financial investigations in a way that was not limited to just white collar crime, or even narcotics cases, but also for cyber investigations, to national security investigations, and in civil cases. A lot of what we were investigating was related to following the money and so she wanted us to be this multidisciplinary unit. But I have to say, we started with the goal of wanting to make T-shirts, and we never did that while I was there.
Your decisions have also gotten a lot of attention. We're public servants! And in order for the public to have faith and trust us, they need to understand what it is that we're doing and what we're saying.
Humor is one way, not using a lot of legalese is another way. But I think there are many judges who are trying to make the judiciary more accessible, and so people can see the work that we're doing and understand what we're doing and then make their own opinions about if it's right or wrong.
But at least, if it's understandable, then there's still some trust in the framework even if you don't agree with how our decisions are stated. We are ambassadors for the judiciary to the people in our courtroom — it's a very frightening proposition being in court if you've been federally charged, and people have perceptions of what they think can happen there in terms of fairness or unfairness. But then it goes far beyond that.
I do a lot of work with the Administrative Office of the Courts, our central body doing civic education and outreach to high schools, because I want college and high school students and law students to have an experience where they get a chance to talk to a judge.
So my goal is certainly not just getting to one segment of the population, but it's making decisions accessible to whoever's interested in reading them. What has it felt like for you switching from that prosecutor role to magistrate judge? Lawyers are trying to take different frameworks from one topic and apply them to another, and then convince you that that is or is not appropriate. Being a judge is very different because you're evaluating what the parties present to you as the applicable legal frameworks, and deciding how new, groundbreaking technology fits into legal frameworks that were written 10 or 15 years ago.
But that's not really a place where judges get involved in saying how it ought to be regulated. There was, famously, a judge in Florida that said cryptocurrency was not money because you couldn't put it underneath your bed, and that's what money is: something that is tangible.
So different people are going to have different decisions. And that's not just true for crypto, but also other areas of the law. Your best-known crypto decisions strongly assert that crypto is traceable.
One way people try to make it less traceable is with mixers, and Tornado Cash was sanctioned by OFAC not too long ago. Do you think the legal reasoning was sound enough for similar sanctions to be applied to other mixers, or decentralized exchanges? I don't know. I think there's been some discussion that people may litigate some of these things, so I can't comment, because those frequently do come to our courthouse.
And I think there are certainly people opining on that, yes and no. So much of what judges do is that we rely on the parties that are before us to tell us what's right and what's wrong.
And then, you know, obviously, they'll have different views, and we make a decision based on what people say in front of us.
Are you aware that some legal analysis of the Tornado Cash sanctions references your recent decision in a cryptocurrency sanctions case? That's what good lawyers will always do. Even legislators might look at that as they try to think about where the gaps are. As a prosecutor I had a case where we sued three Chinese banks to give us their bank records, and it had never been done before.
Afterwards, Congress passed a new law, using the decisions from judges in this court and the D. circuit court, the court above us. So I'm sure people look at prior decisions and try to apply them in the ways that they want to.
Are there any misconceptions about how the law applies to crypto, or how your decisions should be interpreted, that you wish you could get across? One misconception is that the judges can't understand this technology — we can. People have these views in two extremes. The lawyer's fundamental job is to take super complex and technical things and boil them down to very easily digestible arguments for a judge, for a jury, or whoever it might be.
The financial technology transformation is driving competition, creating consumer choice, and shaping the future of finance. Hear from seven fintech leaders who are reshaping the future of finance, and join the inaugural Financial Technology Association Fintech Summit to learn more. Financial technology is breaking down barriers to financial services and delivering value to consumers, small businesses, and the economy.
Fintech puts American consumers at the center of their finances and helps them manage their money responsibly. From payment apps to budgeting and investing tools and alternative credit options, fintech makes it easier for consumers to pay for their purchases and build better financial habits.
Fintech also arms small businesses with the financial tools for success, including low-cost banking services, digital accounting services, and expanded access to capital. We advocate for modernized financial policies and regulations that allow fintech innovation to drive competition in the economy and expand consumer choice.
Spots are still available for this hybrid event, and you can RSVP here to save your seat. Join us as we discuss how to shape the future of finance. In its broadest sense, Open Banking has created a secure and connected ecosystem that has led to an explosion of new and innovative solutions that benefit the customer, rapidly revolutionizing not just the banking industry but the way all companies do business.
Target benefits are delivered through speed, transparency, and security, and their impact can be seen across a diverse range of use cases. Sharing financial data across providers can enable a customer individual or business to have real-time access to multiple bank accounts across multiple institutions all in one platform, saving time and helping consumers get a more accurate picture of their own finances before taking on debt, providing a more reliable indication than most lending guidelines currently do.
Companies can also create carefully refined marketing profiles and therefore, finely tune their services to the specific need. Open Banking platforms like Klarna Kosma also provide a unique opportunity for businesses to overlay additional tools that add real value for users and deepen their customer relationships.
The increased transparency brought about by Open Banking brings a vast array of additional benefits, such as helping fraud detection companies better monitor customer accounts and identify problems much earlier. The list of new value-add solutions continues to grow. The speed of business has never been faster than it is today. For small business owners, time is at a premium as they are wearing multiple hats every day. Macroeconomic challenges like inflation and supply chain issues are making successful money and cash flow management even more challenging.
This presents a tremendous opportunity that innovation in fintech can solve by speeding up money movement, increasing access to capital, and making it easier to manage business operations in a central place. Fintech offers innovative products and services where outdated practices and processes offer limited options. For example, fintech is enabling increased access to capital for business owners from diverse and varying backgrounds by leveraging alternative data to evaluate creditworthiness and risk models.
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