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The holiday season is in full swing, which means everyone is flocking to stores to buy gifts for family and friends. But a safety group is warning consumers about 10 toys that could potentially be hazards for little ones.The safety organization World Against Toys Causing harm, Inc., or W.A.T.C.H., released its 324

The Federal Trade Commission announced a billion settlement with Facebook on Wednesday, resolving a sweeping investigation by regulators into how the company lost control over massive troves of personal data and mishandled its communications with users. It is the largest fine in FTC history — and yet still only about a month's worth of revenue for Facebook.The deal comes amid growing calls in Washington for greater transparency and accountability for technology companies, whose power over social movements as well as personal information has increasingly come to be seen as dangerous by politicians, users, and even one of Facebook's co-founders.Facebook agreed to the deal following years of damaging admissions about the company's privacy practices, such as the inadvertent exposure of up to 87 million users' information to the political analysis firm Cambridge Analytica.The settlement resolves a formal complaint by the FTC alleging that Facebook "used deceptive disclosures and settings" that eroded user privacy, violating a prior agreement Facebook signed with the commission in 2012. Facebook also broke the law, the FTC alleged, by misusing phone numbers obtained for account security purposes to also target advertisements to its users. And the company allegedly deceived "tens of millions of users" by implying that a facial recognition feature on the service had not been enabled by default, when in fact it had."The magnitude of the billion penalty and sweeping conduct relief are unprecedented in the history of the FTC," said Chairman Joseph Simons in a statement. "The relief is designed not only to punish future violations but, more importantly, to change Facebook's entire privacy culture to decrease the likelihood of continued violations."Facebook did not immediately respond to a request for comment.The FTC settlement — which also covers Facebook subsidiaries Instagram and WhatsApp — could set the tone for a wave of further action by policymakers worldwide as they seek to rein in the most powerful players in Silicon Valley.The billion fine is nearly 30 times the FTC's largest-ever civil penalty to date — 8 million, which was levied on Dish Network in 2017 — reflecting the tremendous scale of Facebook's operations, as well as the enormity of its self-admitted mistakes.In addition to the record civil penalty, Facebook also agreed to accept greater oversight of its privacy practices. Under the FTC deal, Facebook's board will form a privacy oversight committee made up of independent members who cannot be fired by CEO Mark Zuckerberg alone. That committee will be charged with appointing still other officials who must periodically and truthfully certify that Facebook is complying with the FTC agreement, or risk being held personally liable. Zuckerberg will also be required to make those same certifications, the FTC said."False certifications would subject Mr. Zuckerberg and the [designated compliance officers] to personal liability, including civil and criminal penalties," Simons said in a statement written jointly with the Commission's two other Republican members, Christine Wilson and Noah Phillips.The FTC also required that regular third-party assessments of Facebook's privacy practices not rely on company materials but instead on the auditor's own fact-finding.The FTC voted 3-2 to approve the settlement, with the agency's two Democrats dissenting because they believed the measure did not go far enough. In dissents, Commissioners Rohit Chopra and Rebecca Slaughter said they believed the fines were far too small, and that the FTC wrongfully gave Zuckerberg and Facebook COO Sheryl Sandberg a pass."Failing to hold them accountable only encourages other officers to be similarly neglectful in discharging their legal obligations," wrote Chopra. "In my view, it is appropriate to charge officers and directors personally when there is reason to believe that they have meaningfully participated in unlawful conduct, or negligently turned a blind eye toward their subordinates doing the same."Other prominent tech critics, including Democratic Sen. Richard Blumenthal of Connecticut and Missouri Republican Sen. Josh Hawley, have said a billion fine would be "a bargain" for Facebook. In an earnings report earlier this year, Facebook said it was setting aside billion to help cover expenses related to the expected penalty. It reported quarterly revenues of billion at the time and its stock rose after it announced the charge, signaling investors were relieved by the probable outcome.For more than a year, Facebook — once the darling of policymakers and a celebrated example of American ingenuity — has lurched from crisis to crisis.This past October, for example, Facebook disclosed that hackers had compromised tens of millions of accounts by exploiting a series of software flaws, culminating in their ability to impersonate users and take over their profiles.The following month, Facebook 4985

The coronavirus pandemic has upended the lives and finances of millions. A federal relief package aiming to provide payments to distressed consumers is on the way — but that money is not likely to land for a number of weeks.While you’ll have to wait for whatever money you might be eligible for, now is the time to prep your finances and plan. The best use of this money depends on your individual circumstances. Here’s how to think it through.Do this prep work, regardless of your situationThis is the time to examine your money situation and build savings, if possible. The fallout from the pandemic may continue for some time. Taking even small steps can help you feel empowered and less stressed.First, take stock of your regular expenses, such as housing costs, car loans and credit card or other debt payments. A 831

The crisis at the Mexico border is growing. The head of U.S. Customs and Border Protection announced over the weekend that agents expect to see more than a 100,000 apprehensions and encounters with migrants just for the month of March, the highest total in the past 10 years.“The surge numbers are just overwhelming the entire system,” says Kevin McAleenan, Commissioner of the U.S. Customs and Border Protection.Monday, the Department of Homeland Security announced it's speeding up the deployment of 750 border agents to help with the surge, and the number of agents could reach 2,000. It's gotten so bad, the government says hundreds of migrants are being released into Texas towns every day, because there's no room to hold them.“It's not something we want to do, it's something we have to do,” McAleenan says. However, immigration advocate Laura Pe?a thinks this is a deliberate move by the administration.“They're holding folks longer than they're supposed to, and then, orchestrating mass releases, intended to really frustrate the already fragile infrastructure,” Pe?a says. The Trump Administration announced it also plans to cut off financial aid to Guatemala, Honduras and El Salvador, three countries President Trump has accused of deliberately sending migrants to the U.S. Americans could take a hit in the pocketbook. Nearly half of all imported vegetables, and 40 percent of imported fruit come from Mexico. It could lead to higher prices at the grocery store if the border is shutdown. 1513

The Dow Jones traded below 20,000 for the first time since 2017 on Tuesday, but appeared to have stemmed some of the bleeding after Monday's 3,000 point loss.After an early peak, the Dow sunk about 200 points shortly after opening, leaving the markets trading at less than 20,000. But as Trump administration officials spoke about their plan to give 362