Pressure is steadily mounting on U.S. lawmakers to implement comprehensive cannabis banking reform at the federal level, and that pressure is coming from all directions.
Rapid shifts in public opinion and a rising number of states with legal medical and adult-use cannabis sales have laid bare an obvious need to update our banking laws to meet the age of regulated cannabis markets. And earlier this month, Congress tackled the issue head on in a widely anticipated hearing that had huge implications for the future of banking for America’s legal cannabis industry.
The Secure and Fair Enforcement (SAFE) Banking Act was among the most notable topics discussed during the House Financial Services Committee hearing February 13, which was titled “Challenges and Solutions: Access to Banking Services for Cannabis-Related Businesses.”
The legislation, which would provide safe harbor to banks working with state-legal cannabis businesses, counts a large and diverse group of lawmakers, regulators, law enforcement professionals, financial institutions, businesses interests and trade organizations among its supporters.
House Financial Services Committee member Rep. Ed Perlmutter (D-CO), along with Rep. Denny Heck (D-WA), introduced the SAFE Banking Act in the last Congress, with 95 co-sponsors — including 13 Republicans — signing on. Twenty bipartisan co-sponsors signed onto the companion bill, introduced in the Senate by Jeff Merkley (D-OR). The two bills drew some heavyweight co-sponsors from both sides of the aisle, including Sen. Rand Paul (R-KY), Sen. Elizabeth Warren (D-MA), Sen. Cory Gardner (R-CO), Sen. Kamala Harris (D-CA) and Sen. Cory Booker (D-NJ), and in the House, Rep. Beto O’Rourke (D-TX), Rep. David Joyce (R-OH), Rep. Tulsi Gabbard (D-HI) and Rep. Adam Schiff (D-CA).
And a bipartisan group of 19 state attorneys general came together last year to urge Congress to advance legislation that would allow state-legal cannabis businesses to utilize traditional banking services available to every other legal industry in the United States.
Groups like the Credit Union National Association, the Independent Community of Bankers of America, American Bankers Association and the National Cannabis Industry Association are also vocal advocates for the measure.
As the U.S. cannabis industry continues along its steady growth trajectory, access to banking services is perhaps the most critical challenge facing operators.
And that wasn’t the first attempt in the House to address the cannabis banking problem. In 2014, House lawmakers passed an amendment to an appropriations bill (228-195) that, much like the SAFE Banking Act, would have extended legal protections to financial institutions working with state-regulated cannabis businesses. The measure failed to move through the Senate, however.
But much has changed since 2014. Ten states and Washington, DC, have now legalized cannabis for adult use; 33 states have legalized comprehensive medical cannabis programs; two in three Americans now support legalizing cannabis nationwide for recreational use, according to Gallup polling data; and a majority of older Americans — a formidable voting bloc — now supports legalization. Momentum around cannabis reform is spreading across the globe as well, with cannabis now legally available to adults for recreational use in both Canada and Uruguay, and numerous countries mulling similar reforms.
A brand new multi-billion-dollar industry has risen up in a few short years, and yet, most financial institutions in the U.S. remain reluctant to work with cannabis businesses due to fears of violating federal money laundering laws. That fear has forced the majority of cannabis businesses to operate on a cash-only basis — creating massive security risks, logistical nightmares and regulatory headaches for all parties involved.
As the U.S. cannabis industry continues along its steady growth trajectory, access to banking services is perhaps the most critical challenge facing operators. The recent House Financial Services Subcommittee hearing represents the committee’s first-ever hearing on this issue — a promising first step toward passing the SAFE Banking Act.
Sixty-seven percent of Americans across the political spectrum want Congress to enact legislation allowing financial institutions to do business with legal cannabis operators, according to polling data from think tank Third Way.
With this new Congress, there may finally be progress. Rep. Perlmutter and Rep. Heck plan to re-introduce the SAFE Banking Act in the House, and Sen. Merkley is expected to re-introduce a similar measure in the Senate. Now we need House lawmakers to prioritize this issue and move these measures through the legislature, so they can become the law of the land.
This is the real voice behind Google Assistant
When using Google Assistant, most of us don’t even consider who the voice is coming from — after all, it’s artificial intelligence, not a real person. Our virtual assistants, be it Siri, Alexa, or Google Assistant, are always at our beck and call, but we (for the most part) remain well-aware of the fact that they’re just lines of code and intricate algorithms. But how would you feel if you knew that Google Assistant has a very human backstory?
In an interview with The Atlantic, James Giangola, the lead conversation and persona designer at Google, spoke about the Assistant at great length. When the team set out to create its AI-based assistant, they knew that the line between a cool, futuristic feature and a mildly creepy if uncanny voice bot is very, very thin. Google Assistant was never meant to seem human — that would just be disturbing — but she was meant to be just human enough to make us feel comfortable. To achieve that elusive feeling of somewhat reserved comfort, Giangola and his team went to great lengths to perfect the Assistant.
You’d think that just hiring a skilled voice actor would be enough, but there was much more to consider than just finding a pleasant voice. James Giangola set out on a quest to make the Google Assistant sound normal and to hide that alien feeling of speaking to a robot. In order to do this, he made up a lengthy backstory for the Assistant.
A robot with an extensive backstory
When searching for the right voice actress and then training her later on, The Atlantic notes that James Giangola came up with a very specific backstory for the AI. He did so because he wanted Google Assistant to appear real, and in order to give it a distinct personality, he gave the voice actress a lengthy background on the Assistant. First and foremost, the Assistant comes from Colorado, which gives her a neutral accent.
She comes from a well-read family and is the youngest daughter of a physics professor (who has a B.A. in art history from Northwestern University, no less) and a research librarian. She once worked for “a very popular late-night-TV satirical pundit” as a personal assistant. She was always a smart kid, she won $100,000 on the Kids Edition of “Jeopardy.” Oh, and she also likes kayaking. Let’s not forget: She’s not real.
The need to create such a specific backstory may seem questionable, and it actually was questioned by James Giangola’s colleagues. However, Giangola was able to prove his point during the audition process. When a colleague asked him how does anyone even sound like they’re into kayaking, Giangola fired back: “The candidate who just gave an audition — do you think she sounded energetic, like she’s up for kayaking?” And she didn’t, which to Giangola meant that she wasn’t the right voice.
Google aimed for ‘upbeat geekiness’
Aside from nailing the exact tone of her voice, which The Atlantic described as “upbeat geekiness,” the Assistant had to be trained to sound human not just by voice, but also by speech patterns and rhythms. In the interview, James Giangola talks about some of the different small changes that were made to take the Assistant from robotic to almost natural.
To illustrate the example, Giangola played a recording in which the AI had to contradict a user who wanted to book something on June 31. It had to be done in a delicate, natural-sounding manner that still delivers the required information. When prompted, the Assistant replied: “Actually, June has only 30 days,” achieving the level of vocal realism Giangola was looking for.
Although the Assistant’s intricate backstory may seem overkill, it seems to have helped Google find the right voice actress. According to Tech Bezeer, the main voice of the Assistant is Antonia Flynn, who was cast back in 2016. However, Google is not very forthcoming with information about who exactly voices each version of the Assistant, so this needs to be taken with a grain of salt. The information originates from Reddit, where a user was able to track Flynn down based on her voice, but only Google knows whether she really is the friendly AI inside our mobile devices.
Microsoft’s post-Windows Phone vision leaks, but don’t get your hopes up
While Microsoft’s Windows Phone ambitions are well and truly dead at this point, there was a time when the company was plotting a follow-up to the ill-fated mobile operating system. That follow-up was known internally as Andromeda OS, and it was being developed as the operating system for the Surface Duo. Sadly, Microsoft’s plan to create a version of Windows for dual-screen devices never saw the light of day, but today we’re getting a look at an internal build of Andromeda OS and what could have been.
That look comes from Zac Bowden at Windows Central, who managed to get a build of Andromeda OS up and running on a Lumia 950. Even though Andromeda OS was intended for the Surface Duo, Microsoft apparently conducted internal testing on Lumia 950 devices, making it a solid choice for this hands-on.
In both his write-up and the video you see embedded below, Bowden is very clear that this is not some leak of a work-in-progress mobile operating system. Andromeda OS is dead and not in active development, so there’s no real hope of seeing a more fully-featured version launch on Microsoft’s mobile hardware at any point in the future. Despite that rather grim reality, this is a good look at the progress Microsoft made before it ultimately decided to ship the Surface Duo with Android.
Though the hands-on shows us an operating system that is very rough-around-the-edges and somewhat clunky, it’s immediately obvious that Microsoft planned Andromeda OS with inking capabilities at the center. For instance, the lock screen doubles as an inking space, allowing users to jot quick notes down on it that persist until they’re erased or the lock screen is cleared entirely.
Just as well, unlocking the device takes you to a home screen that also doubles as a journal. As with the lock screen, you can use this page to take notes, but you can also do things like paste stuff from the clipboard or insert an image for markup. Having the phone unlock to what is essentially a blank canvas instead of a home screen full of app icons is an interesting idea and one that we’re probably never going to see on other devices.
Andromeda OS also features a Start menu reminiscent of Windows Phone, which means that it has those familiar Live Tiles. Bowden also shows off the various gesture controls included in Andromeda OS, swiping from the left to summon the aforementioned Start menu and from the right to bring up Cortana and notifications. Swiping down pulls up the Control Center, which will look familiar to those who are currently using Windows 11.
We’re also given a brief demo of what Andromeda OS might have looked like on an actual dual-screen device, but since that demo is also on a Lumia 950, we sadly don’t get the full experience. Still, it’s interesting to see what might have been before Microsoft decided to can Andromeda OS entirely and switch to Android for the Surface Duo.
While there’s no chance we’ll see this project revived for future Microsoft hardware, there is always the chance that some individual features could make their way to the Surface Duo. Even then, it’s probably best to appreciate this as a relic of the past rather than something that might inform Microsoft’s future efforts, as disappointing as that may be for those who miss Windows Phone and Windows 10 Mobile.
Google just got terrible news in Europe – and it could get much worse
Google was just hit by some very bad news coming from Europe, but the news may be even worse for website owners than for Google itself. In an unprecedented case, the court in Austria has just ruled that Google Analytics is in violation with the European data protection laws. As a result, Google Analytics has been made illegal in Austria.
It all comes back to the General Data Protection Regulation (GDPR) observed in Europe. Implemented in 2018, GDPR was created to give European citizens more control over their personal data, both online and offline. Unfortunately, the GDPR and US surveillance laws just do not mix.
According to a decision made in 2020 by the Court of Justice of the European Union (CJEU,) policies that force website providers in the US to provide personal user data to authorities are against the GDPR. While this may not seem that related to Google Analytics at the first glance, it very much is. Some of the information readily collected by US providers is in direct violation with the GDPR, which in theory means that these websites would have to stop collecting private information in order to legally operate within Europe. In practice, it seems that not much has changed since 2018.
Google Analytics is now completely illegal in Austria
Prior to 2020, a law called the Privacy Shield was in place that allowed European data to be transferred to the United States. However, the shield was invalidated by the CJEU on July 16, 2020. Since then, US-based websites were not allowed to transfer the data of European citizens to the US. Of course, this only applies to data that falls under the GDPR, which only includes identifiable information about any given person. However, according to FieldFisher, this also includes IP addresses, as that is regarded as an “online identifier.”
Regardless of the 2020 ruling made by the CJEU, many providers continued to send personal data to the US — including Google Analytics. As stated by Max Schrems, honorary chair of NOYB, an European non-profit focused on digital rights, “Instead of actually adapting services to be GDPR compliant, US companies have tried to simply add some text to their privacy policies and ignore the Court of Justice. Many EU companies have followed the lead instead of switching to legal options.”
The Austrian Data Protection Authority has now followed up on what the CJEU ruled back in 2020 and made the use of Google Analytics completely illegal. The ruling comes into effect immediately, so all the websites that service Austrian citizens need to act quickly in order to not be fined for violating the local laws.
What will the new court ruling change?
Many companies that operate in Europe will now have to decide between continuing to use Google Analytics and swapping to an alternative website traffic tool. Refusing to comply may result in hefty fines. However, it could be that providers will continue to ignore the European laws and risk the fines: After all, not every such business will be caught or reported. If caught, the price could be high: NOYB has described a case where the Irish Data Protection Commission issued a fine of 225 million euro on WhatsApp for violating data protection laws.
Ultimately, US-based companies will have to think of workarounds for European privacy laws. Simply hosting customer data in Europe would be helpful, although this would of course limit the type of data that can be freely collected and distributed. For the time being, websites that continue to use Google Analytics will need to obtain consent from each visitor prior to collecting any data.
The choice to ban Google Analytics in Austria may be the first step in a larger revolution. Other countries in the European Union are likely to follow, so while Austria may be the first bit of bad news for Google, there is likely much more to come.
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