John Villasenor

In early November, a bipartisan group of senators introduced the Guaranteeing Access and Innovation for National Artificial Intelligence (GAIN AI) Act. A companion bill was introduced in the House a week earlier—also with bipartisan sponsorship.

Does a search warrant ordering Google to give law enforcement information regarding internet searches containing specific keywords made during a particular window of time violate the Fourth Amendment? This question was before the Colorado Supreme Court in 2023 and is now before the Pennsylvania Supreme Court. The Fourth Amendment protects against unreasonable searches and seizures by the government.

The 2016 Brookings Financial and Digital Inclusion Project (FDIP) evaluates access to and usage of affordable financial services by underserved people across 26 geographically, politically, and economically diverse countries. The 2016 report assesses these countries’ financial inclusion ecosystems based on four dimensions of financial inclusion: country commitment, mobile capacity, regulatory environment, and adoption of selected traditional and digital financial services.

We identify four priority areas where action is needed to advance inclusive finance: 1) an increased focus on establishing (and then achieving) specific, measurable financial inclusion targets; 2) promoting more comprehensive data collection and analysis regarding financial access and usage, particularly among traditionally underserved groups such as women; 3) advancing regulatory efforts designed to facilitate financial inclusion; and 4) enhancing financial capability to promote sustainable financial inclusion. Taken together, progress on these action items would amplify opportunities for underserved populations to participate in the digital economy and leverage formal financial services to
improve their well-being.