- Joined
- Dec 31, 2020
Kiwifarms.pl does not redirect anymore, sorry if it was already mentioned.
S.401 - Fair Access to Banking Act
- Thread starter Null
- Start date
Maeis
kiwifarms.net
- Joined
- Mar 19, 2024
I'm honestly confused which part of the loli question you're bringing up. I was figuring that this is your wake up moment that the lolicon you were freaking out about weeks ago wasn't as important as payment processors, but then you go and say that lolicon is just the same rot that you called it weeks ago.
Warai Otoko
kiwifarms.net
- Joined
- Feb 17, 2025
This is why cash is KING.
G-d bless the third-world.
G-d bless the third-world.
Tarlach
kiwifarms.net
- Joined
- Feb 20, 2023
If you chain these posts in a story it quickly becomes a tale about how null became so rage-ripped that he started a mass chain of anime-style violence until the military had to get involved just to stop him. Jokes aside, I know exactly what Jersh's bullshit is. I know damn well his words apply to himself more than to anyone else, but that doesn't mean I should consciously celebrate him frekaing the fuck out when for once we share a common understanding and mostly a common goal when it comes to this bullshit. Perhaps, just once, I'd like to be a little more optimistic than usual and speak to him like he's capable of standing where he needs to. But, at this rate, I'm starting to believe he's doing this for the love of the game.
Do Not Touch Me Pls
kiwifarms.net
- Joined
- Sep 18, 2023
Also here's something that I am legitimately concerned about.
Assuming if the bill comes to a pass, how would it affect people out of the USA? For example, if I am in Japan and I publish one of those contents the payment processors deemed unacceptable under European union laws on say, Steam. Do they still have the rights to stop me there (assuming if the orders is from a place out of the US)?
Assuming if the bill comes to a pass, how would it affect people out of the USA? For example, if I am in Japan and I publish one of those contents the payment processors deemed unacceptable under European union laws on say, Steam. Do they still have the rights to stop me there (assuming if the orders is from a place out of the US)?
Rancid Xylitol
kiwifarms.net
- Joined
- Apr 24, 2025
NFT was hilarous. For a few months on the news, people pretended that trading imaginary trading cards of NBA players was going to be the economy of tomorrow. 500 rugpulls later and BILLIONS of $ lost, I don't see the news talking about NFT anymore. I think at this point basically anyone who was into NFTs has lost so much money they just want to pretend the whole thing never happened. It was the "last gasp" of crypto populism. Even the most rabid crypto fan no longer pretends its going to take over the world. They just quietly HODL and hope for the best.
- Joined
- Nov 21, 2020
- Joined
- Dec 13, 2022
your state one, just keep pressuring them, send non-aggressive letters to them as well because no senator will like being called a nigger and that he should do something about it.
regional block, the HQ as far as i am aware of is in US.
if it was in pissrael why even bother?
- Joined
- Dec 25, 2019
From what I read people were more excited about the technology. Virtual daytraders just jumped on the bandwagon and ruined its reputation for everyone. It's a lot like how pajeet animal-coins were demonstrably killing the concept for crypto for a while, until everyone learned to ignore it.
Do Not Touch Me Pls
kiwifarms.net
- Joined
- Sep 18, 2023
So they can still block the game in your country if they don't like it but they cannot force Steam to take it down then.
Axie Infinity drove the entirety of Philippines to poverty during the pandemic. It was absolutely insane. This is why using crypto to stop payment processors is a bad idea.
God of Nothing
kiwifarms.net
- Joined
- Aug 31, 2016
right click alone should've warned everyone
Rancid Xylitol
kiwifarms.net
- Joined
- Apr 24, 2025
It's sad how much you have done for people that don't even understand it, never mind appreciate it, only to be demonized. TBH, I don't think 1% of the people on this site have any of the bravery you do to undertake so many of these activities and causes at great personal cost.
Maybe if the US public was slightly more intelligent and had an attention span that lasted more than a few days there'd be some hope. US citizens have turned into just another resource to be harvested by the upper class and elites. Just another wallet to siphon money out of as they dimly smile.
My only hope is some other country picks up the reins, because the US is cooked.
- Joined
- Nov 12, 2019
Just say the Vice Journalist that wanted to be a vtuber need to not act like rich bitch(worked at vice) would been accepted by the industry.
..
TLDR: your fighting null from the gooner ground point he caught few to prove his point
- Joined
- Apr 16, 2025
When GamerGate happened over 10 years ago, most people hyper-focused on trying to shut down the careers of a few retard feminists. It went nowhere. GamerGate lost. Wikipedia is more off the rails than ever and more influential than ever, all those women made appearances at the UN and Google, and things got worse as the world succumbed to a golden era for trannies that almost developed a proof-of-concept system for placing personal feelings over objective truth and limiting speech around that motif.
With that in mind, two things:
1. People are upset over Steam censoring games at the behest of the the payment networks. People are more upset over a feminist group in Australia taking credit.
2. There is a bill titled "Fair Access to Banking Act".
It is much, much easier for soy golems to look at the irrelevant screeching of a few retarded holes in Australia than it is to ask the question, "Why does a small activist group in Australia have the means to boss around the largest video game retailer the world has ever seen?". The answer is the payment networks.
I have written at length about payment networks (Section 230 isn't the Problem, Payment Networks Are. Where the Sidewalk Ends: The Death of the Internet, both in 2021). Many of you are familiar with how the Kiwi Farms is unmonetizable, and my mere association with it has not only led to payment processors demonetizing my other companies, but after forming the United States Internet Preservation Society (a 501c4 nonprofit) for the expressed purpose of petitioning the government to change laws on payment networks, I was indeed denied a payment processor for that because of "the principal's background". I am so thoroughly banned from PayPal that I cannot book an Uber with any credit card number it recognizes as mine.
Here is the text of the bill.
https://www.congress.gov/bill/119th-congress/senate-bill/401/text
This bill is insufficient to meaningfully help people like me. It is better than nothing, but it has no teeth.
First, the bill extensively writes about banks, but the bank in debanking is often not a literal brick and mortar bank. If it was, there would not be as many issues. Over 9000 financial institutions (banks and credit unions) operate in the USA. If a bank didn't want to do business with you, that's actually not a huge deal. You can find another bank.
Payment processors and payment networks are the bigger issue. When you want to get paid online in the USA, you have to do business with these "financial services". The complexity of this mechanism is deliberately designed to obfuscate who is doing what and making which decisions.
When you sign up to process cards, you agree to the terms of service -- collectively and individually -- for every single one of these companies. You are agreeing to some of the most complex rules to ever be written, not for a single service, but for: the payment processor, payment gateway, underwriting bank, and each of the four card networks. If you break any of these rules at any time, you may find yourself immediately unable to make money. If that happens, you probably will not be told why. Risk management is a trade secret. You have no right to know. You cannot sue to know.
- You and your bank receiving money.
- The payment processor that negotiates you as a customer.
- There is sometimes a separate company called a payment gateway that provides an interface between your application and the payment processor, but most modern payment processors roll their own payment gateway.
- The underwriting banks that maintain a relationship between the payment processors and payment networks. These underwriting banks maintain the direct relationship with the card networks and have veto on if you get to be a customer of the payment processor. Some payment processors work with multiple underwriting banks. For instance, Citi is an large underwriting bank that is friendly with guns, so NFA merchants will often be paired with Citi for selling guns.
- The card networks. These are MasterCard, Visa, Discover, and Amex.
It could have been the payment processor directly, receiving complaints from people who want to deplatform you. It could be the underwriting bank who for whatever reason was unhappy with your transactional volume. If you sell too much, or sell too little and then do an annual sale that suddenly spikes your sales from $0 to a lot, that could be a fraud indicator. It could be a card network that decided you are a "reputational risk" to their brand. You will never know who, what, when, where, or why, and you will not be given a chance to appeal, and you will not be given information so if you try to apply for another card you know what to do right the next time.
The proposed law does not address any of this. Instead, what it does is it gives you the option to complain to the Office of the Comptroller of Currency (OCC). If the OCC feels bad for you, they may fine the institution up to $10,000. Problem: Last year, the SCOTUS ruled that Administrative Law Judges do not meet the Jury requirement of the constitution, thus they cannot impose fines. So empowering the OCC to fine one of the largest and most powerful companies in human history $10,000 is already a joke, but they actually have no means to enforce it.
Even if the fine was enforceable, it is up to the discretion of the OCC to enforce it. If the OCC doesn't find it politically expedient to help you, they will not. Example: When the Kiwi Farms was being deplatformed by ISPs, we moved infrastructure to Washington state, because they had net neutrality as a state law. Problem: It was not a civil cause of action, but rather something the AG of WA had to impose on the company. The AG was Bob Ferguson, who decide he would not help us, despite our condition 100% meeting the criteria for a net neutrality violation.
For the law to have value, it needs to do the following:
First, it must create a federal civil relief with statutory damages for lost opportunity, ideally with riders for punitive damages, and also attorney's costs and fees. As this is a purely financial matter, it must make financial sense to sue one of the largest and most powerful companies in the world.
Second, it must undo existing requirements already imposed by the federal government on financial services. Title III of the PATRIOT Act "deputized" (in the words of Ron Paul) the financial services to act as a form of law enforcement, one which cannot be appealed and provides no due process. By the time the PATRIOT Act was not renewed, the vestigial remains of these Title III requirements had been reshuffled into other parts of the U.S.C.
I'd also like to take a second to reiterate just how abysmal the payment networks are as a fundamental concept. I have lived outside the US for almost a decade. In Europe, they have the IBAN system. Your debit card will not have the mark of the beast on it. It is free to pay people with your debit card. It is free and instant to send money. In the US, these card networks charge around 2.9% + 30¢ for every single card transaction. Stores are forbidden by card Terms of Service for adding these fees to the purchase price, like they do sales taxes in the US. If you buy $100 of groceries at Walmart, Walmart actually loses $3.20 to the card networks. Walmart, despite making $648.1 billion in gross sales in 2024, is powerless against the card networks. On that figure alone, with the most conservative estimate, Walmart had to eat shit on $18.8 billion in fees (not including individual transaction fees, which is billions more) as those fees are taken out of gross sales and not net profit. That's Walmart. Imagine how badly this is impacting small businesses. If you have a shop that sells $100 of goods on a 15% margin, your margin goes down to 11.8% right off the bat just because you have to pay a random company to make money in the US.
We are getting fucked. We are getting RAPED. These companies are RAPING you, they are RAPING the country, they are PILFERING businesses of all sizes for billions of dollars a year, and then they use that power to break the back of alt-tech, blackball individuals from the global economy, and fund DEI initiatives, mass immigration initiatives, and child genital mutilation surgeries. You, when you swipe a Visa/MasterCard, pay for little boys to get castrated in the US.
When I see people bickering about stupid shit that doesn't matter it makes me sick to my stomach. The backs of these companies needs to be broken. They won't go down without a fight and they will pay for shills to defend them, for organizations to take the blame for their actions, bribe politicians out the ass.
The Department of Justice is currently suing Visa for being a monopoly. Specifically, Visa has a near total monopoly on debit cards. They impose anticompetitive practices on banks to somehow force them to issue visa cards and persuade their customers to use their visa cards. To quote the Deparmtnet of Justice ....
https://www.justice.gov/archives/opa/pr/justice-department-sues-visa-monopolizing-debit-markets
The formal opinion of the fucking federal government is that Visa has NO value added service but continues to add fees because you CAN'T DO ANYTHING ABOUT IT. That's why they will do whatever it takes to stay in power. They have the easiest, most comfortable, highest profit ratio business model of almost any company to ever exist, and right now they have a monopoly charter granted to them by the federal government. They will happy spend billions to stay in power because billions is how they measure numbers in their business.
Waffle Iron
kiwifarms.net
- Joined
- Apr 30, 2025
Even if we ignore the whole payment processor thing, isn't the patriot act in general a retarded kneejerk bill? What bad thing would happen if the entire thing was repealed?
EDIT: I feel bad for null honestly. Imagine carefully crafting a message trying to inform the people that the banking act won't solve the root issue of debanking (depaymentprocessoring?). Something you're struggling with for 13 years. But then from page 1 it already got derailed because of a single word. Even when you tell people to focus on the message rather than the words, people reply that the words you used to tell them to focus are mean.
EDIT: I feel bad for null honestly. Imagine carefully crafting a message trying to inform the people that the banking act won't solve the root issue of debanking (depaymentprocessoring?). Something you're struggling with for 13 years. But then from page 1 it already got derailed because of a single word. Even when you tell people to focus on the message rather than the words, people reply that the words you used to tell them to focus are mean.
- Joined
- Nov 14, 2012
Nothing, because it not renewed years ago, but everything in Title III of the USA Patriot Act has been integrated into other bills over time, as explained in the first fucking post of this fucking thread you did not fucking read
Maxtrot
kiwifarms.net
- Joined
- Aug 13, 2022
Every user of this site spontaneously combusts, because something significant happens and it's a positive change.
- Joined
- Dec 13, 2022
yup, left4dead 2 has a german region but you can buy a international version with a cd-key and steam won't do shit about it, now if a payment processor threatened steam to remove the game from the storefront because a few germoids were bypassing the lock then steam would remove the game from the app, never to be seen again.
- Joined
- Jan 22, 2024
Sorry bruh, saw "retarded holes" and I just didn't have to gumption to continue.
Maeis
kiwifarms.net
- Joined
- Mar 19, 2024
The average person doesn't have the attention span to read a paragraph let alone an essay