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• Business Strategy
• The Business Plan Workbook (9781789667370)

The Business Plan Workbook

A step-by-step guide to creating and developing a successful business.

FREE UK and US delivery

About the book

Lay down the foundations of a successful business venture through a thoroughly researched and competitive business plan. Based on tried and tested business methodology used at the leading business school, Cranfield School of Management, this 10th edition of The Business Plan Workbook guides you through all the necessary steps to constructing a winning business plan. This is a practical run-through of 26 key areas of development of strategic planning. It will allow you to think of these areas in isolation through the use of assignments that ensure you have stress-tested your business proposition. This guide covers how to - Come up with a winning business idea - Complete market and competitive research - Set up a winning marketing strategy - Forecast watertight financials and projections - Define realistic operations and staffing - Deliver an unforgettable pitch to potential backers and investors This new and fully updated edition includes 67 business case studies that show you how successful entrepreneurs have dealt with strategic planning in the past. The content has been streamlined to focus on the most critical parts of business planning, ensuring you spend time where it matters and stay competitive. With new information resources and financial planning consideration, this is an invaluable guide for entrepreneurs, business executives and students.

About the authors

Colin Barrow has lectured in business schools in the UK, the USA, Australia, the Far East and throughout Europe. A former visiting fellow at Cranfield School of Management, he is the author of the 30 Day MBA series, Financial Management for the Small Business and Starting a Business from Home (all published by Kogan Page). Paul Barrow is a visiting fellow at Cranfield and also a consultant advising SMEs on growth strategies. Robert Brown is a visiting fellow at Cranfield and directed the Graduate Enterprise Programme there, where he led a course on entrepreneurship.

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Free Business Plan Workbook (PDF) for Entrepreneurs

Written by Dave Lavinsky

Are you an aspiring entrepreneur looking to start your own business? Do you have a brilliant business idea but don’t know where to start with planning? Look no further! We are here to help you with our free business planning workbook (PDF) for entrepreneurs. This comprehensive workbook will guide you through the process of developing a solid business plan, which is crucial for the success of any business venture.

The Importance of a Business Plan

A business plan is like a roadmap that outlines your business goals, strategies, and financial projections. It serves as a blueprint for your business and helps you stay focused and organized as you navigate the challenges of starting and running a successful venture. A well-structured business plan is not only essential for securing funding from investors or lenders but also provides you with a clear direction and a solid foundation for making informed decisions for your business.

How Our Business Planning Workbook Can Help

Our free business planning workbook (PDF) is designed to assist entrepreneurs like you in creating a well-structured and comprehensive business plan. This workbook provides step-by-step guidance and exercises to help you gather and organize the necessary information for your business plan. It covers each of the key aspects of business planning, including customer analysis, competitive analysis, marketing strategies, financial projections, and more. Our workbook is easy to use and will save you time and effort in creating a professional business plan that meets the needs of your business.

Get Started with Our Free Business Planning Workbook

Ready to take your business idea to the next level? Download our free business planning workbook (PDF) now and start creating a comprehensive business plan that will set you up for success.

Benefits of Using Our Business Plan Workbook

When it comes to business planning, using our business plan workbook can be a game-changer. It provides a structured approach to developing a comprehensive business plan, ensuring that you cover all the essential elements of a successful plan. Here are some benefits of using our business plan workbook:

• Organized approach: Our business plan workbook provides a step-by-step guide, helping you organize your thoughts and ideas in a systematic manner. It prompts you to think critically about different aspects of your business and ensures that you do not overlook any crucial details.
• Time-saving: Writing a business plan from scratch can be time-consuming, but our business plan workbook streamlines the process by providing pre-designed prompts. This saves you time and effort, allowing you to focus on the content of your plan rather than the formatting.
• Flexibility: Our business plan workbook allows you to customize your plan according to your specific business needs. You can add, remove, or modify sections based on your unique business model, market research, and financial projections.
• Comprehensive coverage: A well-designed business plan workbook like ours covers all the essential elements of a business plan, including market analysis, marketing strategies, financial projections, and more. This ensures that you develop a thorough and well-rounded plan that addresses all aspects of your business.

How to Finish Your Business Plan in 1 Day!

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The Business Plan Workbook

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The business plan has been widely included in the curricula of economics degrees and is key to business practice worldwide, but has not been studied from a socio-discursive perspective yet due to restrictions in its social, spatial, and temporal circulation. Based on interviews and a qualitative analysis of a corpus of 38 texts written in Spanish, I aim to provide a preliminary description of the genre. Results indicate that a chain of four phases is associated to a continuum of social settings organized through entrepreneurial/corporate and expert/training variables; its rhetorical structure includes "describing present/potential situation of the company and market" and "describing future processes of strategic actions regarding the marketing, production, and financial plans". This analysis offers methodological innovations to account for occluded genres, encourages the contrastive study of the business plan in different cultural and linguistic environments, and assists business teachers with a situated picture of the genre.

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The Business Plan Workbook

THE BUSINESS PLAN WORKBOOK

The Guide to More Profits!

If a client came to you and wanted to invest in a business that did not have a plan outlining costs, revenue, and other unknowns would you advise them to invest in it?

Your law firm is no different!

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The Business Plan Workbook walks you through the process of outlining exactly how much revenue you will need to cover expenses, pay yourself, and reinvest for continued growth.

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• How can you price your product? – Know the factors that affects on how can you decide for the price of your every product? Compute all the costs and put an enough margin for your profit and you can get a price that you can allot for your product.
• How can your product be selling in the market? – Be sure that it fits the demand of its market. Have enough knowledge on the particular market you are targeting and know how you can sell well.
• How can channels attract your buyers? – Make sure on ways on how you can make your customers buy to you.
• How much will the actual net of each product? – It will be your expectation from every product.
• How you will be selling from every outlet? – The marketing strategies for every location must be well-planned.

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Plan With Me: April 2021

Posted: May 3, 2024 | Last updated: May 3, 2024

Plan with me for April 2021! In this interactive video, we're recapping March and planning our goals & intentions for April. This is a monthly planning series where we reflect on our progress and goals, using each month to move closer towards our dream life.These prompts are based off the Artist of Life Workbook: <a href="http://lavendaire.com/workbookComment">http://lavendaire.com/workbookComment</a> below w/ your answer to the bonus question: How has your life evolved in the past 3 months? // mentioned→ artist of life lounge set | <a href="http://lavendaire.com/lounge-set​→">http://lavendaire.com/lounge-set​→</a> join our email list | <a href="http://lavendaire.com/mail→">http://lavendaire.com/mail→</a> meditation challenge: liberation kriya | <a href="https://bit.ly/3szqnP1→">https://bit.ly/3szqnP1→</a> true beauty (kdrama) | <a href="https://www.viki.com/tv/37374c-true-beauty→">https://www.viki.com/tv/37374c-true-beauty→</a> lavendaire's first video! | <a href="https://www.youtube.com/watch?v=xSNMeCmcRZM">https://www.youtube.com/watch?v=xSNMeCmcRZM</a> // watch related videos→ plan with me: march 2021 | <a href="https://bit.ly/3eHDUjO→">https://bit.ly/3eHDUjO→</a> what to do when you feel like doing nothing | <a href="https://bit.ly/3whX2vg→">https://bit.ly/3whX2vg→</a> how to find inner peace | <a href="https://bit.ly/2PhQgVB📸">https://bit.ly/2PhQgVB📸</a> Instagram | <a href="http://instagram.com/lavendaire💝">http://instagram.com/lavendaire💝</a> Shop IG | <a href="http://instagam.com/shoplavendaire___________________________💝">http://instagam.com/shoplavendaire___________________________💝</a> The Lavendaire Shop | <a href="http://shop.lavendaire.com🌻">http://shop.lavendaire.com🌻</a> Website | <a href="https://lavendaire.com💛">https://lavendaire.com💛</a> Podcast: The Lavendaire Lifestyle | <a href="http://lavendaire.com/llpodcast❀">http://lavendaire.com/llpodcast❀</a> instagram | <a href="http://instagram.com/lavendaire❀">http://instagram.com/lavendaire❀</a> tiktok | <a href="http://tiktok.com/@lavendaire❀">http://tiktok.com/@lavendaire❀</a> facebook | <a href="http://facebook.com/lavendaire❀">http://facebook.com/lavendaire❀</a> twitter | <a href="http://twitter.com/lavendaire❀">http://twitter.com/lavendaire❀</a> pinterest | <a href="http://pinterest.com/lavendaire___________________________//">http://pinterest.com/lavendaire___________________________//</a> RESOURCES💌 Join the Lavi Loves mailing list | <a href="http://lavendaire.com/mail💫">http://lavendaire.com/mail💫</a> Free resources on Lavendaire | <a href="http://www.lavendaire.com/resources👯‍♀️">http://www.lavendaire.com/resources👯‍♀️</a> Join our Lavi Loves Community | <a href="http://lavendaire.com/vibely📷">http://lavendaire.com/vibely📷</a> Camera gear + equipment | <a href="http://lavendaire.com/gear🎧">http://lavendaire.com/gear🎧</a> FREE Audible Trial | <a href="http://www.audibletrial.com/lavendaire🌱">http://www.audibletrial.com/lavendaire🌱</a> Deals & affiliates | <a href="https://www.lavendaire.com/deals/___________________________Music">https://www.lavendaire.com/deals/___________________________Music</a> by Epidemic Sound - <a href="http://bit.ly/2IBCok1">http://bit.ly/2IBCok1</a> (30 day free trial)Business inquiries | [email protected]___________________________// ABOUTI’m Aileen, a lifestyle creator sharing knowledge and inspiration on creating your dream life.Lavendaire is a resource for personal growth & lifestyle design. Follow along and learn how you can create a beautiful and meaningful life.Subscribe to Lavendaire to get inspired by new videos weekly! <a href="http://bit.ly/sublavendaire___________________________Disclaimer:">http://bit.ly/sublavendaire___________________________Disclaimer:</a> This is NOT a sponsored video. All opinions expressed are wholly my own.

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JAMS ADR Insights

Mass arbitrations: the new landscape of dispute resolution and its challenges.

May 2, 2024

What are mass arbitrations, and why in recent years have there been so many of them? The U.S. Supreme Court has made clear in a series of well-known, sometimes maligned decisions that class action and class arbitration waivers are absolutely enforceable and that state attempts to preclude class or collective action waivers in arbitration agreements are preempted by the Federal Arbitration Act. Not surprisingly, most arbitration agreements in the consumer and employment spaces (among others) specifically exclude class, collective and representative actions. Companies often also add language precluding consolidation of claims. This has resulted in the filing of mass arbitrations, hundreds or even thousands of similar individual claims filed by common counsel against the same respondent.

Why can or might this be a problem? The filing of mass claims can result in an administrative burden and onerous fees, as well as delay and potential unfairness to the parties, all of which may impair the integrity of the arbitration process. Realistically, a few hundred arbitrators would not be able to work through 50,000 individual arbitrations—or half or even a third of that number—in a reasonable amount of time. So how could claimants’ or respondent’s counsel?

From the perspective of the claimants’ bar, however, with the class arbitration vehicle having been taken away by the Supreme Court and the parties’ contracts, claimants have found great leverage in multiple individual filings: In most consumer and employment cases, it is the company’s obligation to fund the arbitrations, and, accordingly, the threat or the filing of thousands of claims creates a significant financial burden on the company. The company is faced with either having to pay fees in the hundreds of thousands or millions of dollars, settle out of that burden, forgo either or both its right to arbitration and/or the class waiver, or go to court to seek some sort of alternative relief. In California, the stakes are even higher, as sanctions under recently enacted sections 1281.97 and 1281.99 of the California Code of Civil Procedure may well follow a failure to fund the arbitrations at the outset.

Over the past few years, certain arbitration providers have propounded mass arbitration rules. JAMS has not rushed to do this because of the arbitration first principle that the contract governs the conduct of the arbitration. JAMS President, Kim Taylor explained this in a March 2023 blog post:

[W]e have a fundamental responsibility and commitment to neutrality and high ethical and professional standards. Our role as the administrator of the parties’ arbitration proceedings prohibits us from modifying or changing the arbitration agreement absent express agreement of the parties. If the parties’ agreement prohibits class actions and consolidations, we must treat each case individually. Each matter is commenced and managed separately because that is what the pre-dispute contract requires. Every arbitration receives its own process and its own arbitrator, and the resources needed to manage these individual arbitrations are similar to or greater than any individual arbitration. … To reiterate, JAMS’ core value is neutrality. We take each individual arbitration as it is filed, according to the terms of the contract. We take that position to maintain our neutrality and because we do not believe we have the power, as the administering body, to change the parties’ agreement unilaterally.

Consistent with this, JAMS will apply its new Mass Arbitration Procedures and Guidelines only if they are specifically referenced in the parties’ arbitration agreement or agreed to after a dispute arises. It is true that in consumer and employment settings, pre-dispute arbitration agreements are typically presented on a take it or leave it basis. Still, JAMS will only administer cases under these procedures if the parties have agreed to them, thus honoring, not overriding, the parties’ contract. Companies that fail to change the terms of the pre-dispute agreements to incorporate the mass arbitration procedures, do not get the benefit of them.

How do the procedures address some of the issues identified above? A key element of the procedures is the designation by JAMS of a process administrator. This neutral does not serve as an arbitrator in the cases but as a designee of JAMS trained to carry out many functions that would otherwise be done by JAMS and its National Arbitration Committee. At the outset of the filing, fees are also limited to an initial filing fee, fees of the process administrator, and case management fees. While the threat of large fees can serve as a bargaining chip, from an administrative cost perspective, the functions carried out by the process administrator and the subsequent appointment of arbitrators makes it unnecessary to charge a filing fee for each individual demand filed.

But wait, having contracted out of class arbitration is it not fair that companies should get exactly what they bargained for, thousands of individually filed lawsuits? I understand why there is cynicism here, but I do not think so. In the courts the opposite of a class action need not be thousands of individually filed claims. There is consolidation, as well as the MDL procedure. To be sure, I recognize that class and separate mass filings provide leverage in negotiations. But I also recognize that the filing of scores of individual claims leads to waste and delay that is inconsistent with arbitration, and I believe there is also leverage in the potential liability arising from consolidated proceedings.

What does the process administrator do? Typically, JAMS, through its administrative side, makes determinations as to whether a case has been properly commenced (Rule 5) and whether consolidation is appropriate (Rule 6(e)), among other preliminary administrative matters. The new procedures provide a framework for the process administrator to make such determinations, as well as to work with the parties to develop an efficient process for the resolution of claims. The cases, likely consolidated or grouped in certain respects and/or for certain purposes, will then be heard by separately-appointed arbitrators.

Finally, mass arbitration under the procedures is not class arbitration, and these procedures are not class action procedures by another name. The process administrator’s role is perhaps best understood as a process of step-by-step problem-solving, not a process whereby complex legal issues such as the requirements under Rule 23 of the Federal Rules of Civil Procedure (FRCP), or the arbitration analogue, have been met. (It is, of course, well understood that class certification and consolidation serve different purposes and are based on different standards.) In any case—and although it is probably best not to rely on analogies to court procedures in the far less formal arbitration space, the better analogy is to FRCP Rule 42(b): The process administrator has broad discretion, after hearing the from the parties, to fashion a plan for the cases that will promote efficiency, while avoiding prejudice.

EXPLORE MORE ON THESE TOPICS

Disclaimer: This page is for general information purposes. JAMS makes no representations or warranties regarding its accuracy or completeness. Interested persons should conduct their own research regarding information on this website before deciding to use JAMS, including investigation and research of JAMS neutrals. See More

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THE BUSINESS PLAN WORKBOOK Paperback – Import, November 1, 1998

• Print length 278 pages
• Language English
• Publisher KOGAN PAGE
• Publication date November 1, 1998
• ISBN-10 0749426969
• ISBN-13 978-0749426965
• See all details

Editorial Reviews

About the author, product details.

• Publisher ‏ : ‎ KOGAN PAGE; 3Rev Ed edition (November 1, 1998)
• Language ‏ : ‎ English
• Paperback ‏ : ‎ 278 pages
• ISBN-10 ‏ : ‎ 0749426969
• ISBN-13 ‏ : ‎ 978-0749426965
• Item Weight ‏ : ‎ 14.1 ounces

About the author

Colin barrow.

Educated at Sandhurst and Cranfield, Colin Barrow is the author of more than 30 books in the fields of entrepreneurship, business management and international property development. His books have been published by the BBC, The Economist, John Wiley, The Daily Telegraph, The Sunday Times and Kogan Page. He has authored or co-authored ten books in the Dummies series and been translated into a score of languages including Spanish, Chinese, Arabic, Russian, Georgian, Romanian, Polish and Bahasa Indonesia. Two of his books formed the core of Microsoft's Business Plan Writer, a project on which he was a consultant advisor.

Following a career in business where he held senior staff and line positions, including that of managing director of a manufacturing enterprise with multi -plant and multi-country operations he was Head of the Enterprise Group at Cranfield School of Management, a leading International Business School, for ten years. He has been a visiting professor in universities in the US, Europe and the Far East, and is currently an Academic Governor of Richmond, The American International University in London and a Visiting Fellow of Cranfield School of Management.

For five years he was a non-executive director of a high tech venture capital fund, has sat on Government task forces and is now strategic advisor to a number of business owners.

As well as his own books he currently writes freelance, ghost writing and 'Anglicising' books for American authors and he lectures extensively on business topics. You can hear Colin's podcast on team building at http://www.morethanbusiness.com/Knowledge-Centre/Podcasts/Business-Networks

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Apple, Google and Venmo fight new U.S. plan to monitor payment apps

Their lobbying campaign targets a federal push to subject some tech companies to the same rigorous oversight as banks. One company — Block, which owns Cash App — is also under investigation.

The U.S. government is weighing whether to treat Apple, Google and PayPal-owned Venmo more like banks — and regularly inspect some of their operations — in a move meant to protect millions of Americans who now use their smartphones to pay at the register and send money to family and friends.

But the prospect of heightened federal oversight has sparked deep and wide-ranging unease throughout the tech industry, triggering a lobbying offensive that aims to limit the government’s power to monitor mobile wallets, accounts or other digital payment services.

The spats have occurred with little fanfare on Capitol Hill and at the Consumer Financial Protection Bureau (CFPB), which unveiled its proposal for new tech scrutiny in November. The agency seeks to subject the largest payment apps and services — from money-transferring tools like Cash App, for example, to the smartphone wallets offered by Apple and Google — to the same rigorous checkups as their bricks-and-mortar predecessors.

In practice, the CFPB would gain the ability to conduct on-site reviews at these companies and examine their private documents and communications, a form of monitoring — known as supervision — meant to ensure the stewards of Americans’ money have sound financial practices. Major banks, such as Bank of America, Chase and Wells Fargo, are already subject to such federal inspections.

The CFPB has portrayed its proposal as a response to rising complaints from smartphone users, who say they struggle to resolve fraudulent charges, restore missing balances and address myriad other troubles with many popular digital payment services. While the agency’s rules are not final, regulators have also explored ways to invoke their existing authorities so that they can inspect select tech companies on a case-by-case basis, according to two people familiar with the matter, who spoke on the condition of anonymity to discuss the confidential rule-writing process.

But the tech industry has been unsparing in its opposition, arguing there is no proof that their products harm consumers. An executive at the lobbying group TechNet, which represents Apple, Google and PayPal, told lawmakers at a congressional hearing in March that the government’s proposal is legally “defective.” Other tech lobbyists have expressed fears that the CFPB stands to gain unprecedented access to their businesses, potentially enabling the government to open probes and levy punishments if it finds misconduct even outside of payment apps.

The fierce resistance suggests the tech industry would sooner sue the CFPB than submit to greater federal oversight of digital payments, foreshadowing yet another rift between government regulators and the tech and financial heavyweights under their watch.

“These are not services that a few people are using. These are products that are becoming almost a standard part of how people transact, so it’s pretty urgent,” said Adam Rust, director of financial services at the Consumer Federation of America, which has encouraged the CFPB to act. “There’s widespread use and systematic inconsistency in [oversight].”

Apple, Google and PayPal each declined to comment. Carl Holshouser, executive vice president at TechNet, said the organization does not oppose federal oversight. But he said the CFPB wrote its rules so broadly that small and medium-size businesses could face unnecessary inspections, too.

“I think the CFPB’s intent is to have a much wider regulatory purview, which will give them the ability to regulate all of the tech industry,” he said.

Rohit Chopra, the director of the CFPB, said in a statement that the agency’s proposed rules would ensure “large payment companies of all types get the appropriate oversight,” adding: “Families should get the same consumer protections regardless of whether their payments are handled by a Wall Street bank or a Silicon Valley tech giant.”

The new scrutiny in Washington reflects the rapid sea change in the way Americans spend cash. Mobile wallets, like Apple Pay, are now commonplace, and peer-to-peer money transfer apps, including Venmo, have experienced a meteoric rise over the past decade. An estimated 159 million Americans made such transactions in 2023, according to data from eMarketer , which projects that just under 75 percent of all smartphone owners will use such tools by 2027.

Spanning a vast array of services, payment apps and platforms are regulated by a patchwork of laws, from state money-transfer licenses to federal rules that govern deposits, data and consumer disputes. While some states already supervise tech companies, the extent of their reviews — and the nature of their enforcement efforts — can vary dramatically across the country, according to Christopher Odinet, a law professor at the University of Iowa who specializes in consumer finance.

“These regulators, they come in many different shapes and sizes,” he said, noting some have “really thin staffs and really lean budgets.”

But the tech companies that offer these products are not banks, so they may not receive the same federal scrutiny as other financial institutions even when their offerings are indistinguishable to the average consumer. If a user were to store money in their account on PayPal, for example, that cash isn’t always federally insured — whereas a traditional bank deposit would be guaranteed by the government and regulated accordingly.

Citing these disparities, the CFPB issued rules in November meant to subject tech giants to tougher oversight. The agency proposed supervising the largest digital consumer payment companies — those with more than 5 million transactions annually — to ensure they follow federal laws, including those that prohibit deceptive practices and protect consumers’ data.

With more aggressive monitoring, the CFPB said, it could more easily spot and address violations because the supervision process empowers the government to seek changes to companies’ practices — or take legal action. The agency’s plan arrived roughly two years after Chopra ordered some of the same companies to turn over data related to their payment apps.

“The traditional lines we drew within the financial sector have become fuzzy over the past several decades,” Chopra said in a speech before the proposed rules were released. “Big Tech companies are now taking advantage of that blurring as they move into finance, threatening the fundamental separation between banking, money and payments on one side and our real economy on the other.”

While the agency did not identify companies it would target, officials estimated that about 17 digital payment services would be subject to enhanced oversight. But the tech industry fiercely rebuked the idea, saying the CFPB would saddle a much wider array of products and services with costly, unnecessary scrutiny.

In January, lobbyists for Block, which owns Cash App, and for other services including Venmo, told the government its proposal is “without justification” and conflates many types of apps and services. Some criticisms echoed the complaints that companies tend to levy at the CFPB before suing, though the leader of the group said it was too soon to comment on next steps.

“Knowing the atmosphere, I wouldn’t be surprised if someone doesn’t legally challenge this rule,” said Penny Lee, the president of the Financial Technology Association.

Many financial technology companies faulted the CFPB for rules that could ultimately cover many more companies than portrayed — as many as 180, according to TechNet’s Holshouser, who blasted it as a “power grab to regulate.” Lobbyists for some of the most popular cryptocurrencies , crypto wallet services and their investors, meanwhile, told the CFPB it had no authority over their industry.

Some of the largest tech companies, including Apple, Amazon and Google, also flagged the “significant costs” they would face under greater federal oversight. Speaking through one of their top Washington voices — the Computer and Communications Industry Association — they fretted that the CFPB could gain unprecedented visibility into their inner workings. The tech giants said that the rules would “allow the agency to supervise and examine other activities,” even outside of payment apps, potentially opening the door for other federal investigations and punishments.

Already, Apple, Amazon and Google are facing separate federal lawsuits that accuse them of violating antitrust laws, and all three companies have been sanctioned or faced complaints related to their handling of consumers’ data. In its own filing, Amazon told the CFPB it shouldn’t be covered by the new rules at all, arguing there are no “consumer risks” with tools like its Amazon Pay service, which helps users pay for goods on other merchants’ websites and doesn’t store customers’ cash. (Amazon founder and former chief executive Jeff Bezos owns The Washington Post.)

The lobbying campaign stands in stark contrast to the thousands of complaints filed in recent years by aggrieved consumers, who have consistently told the CFPB that tech companies mishandle their money. Some have sought federal help after they struggled to resolve unauthorized charges on Venmo, for example; others have asked the bureau for aid when they couldn’t get the attention of Cash App about fraud or other issues affecting their balances.

Some of the accusations have sparked CFPB probes: The agency opened an investigation in 2022 into Block over its “handling of customer complaints and disputes,” the company later told investors. In February, the parent company of Cash App said regulators are now “considering recommending that the CFPB take legal action.” A spokesperson declined to comment for this article.

“We’ve seen a lot of problems,” said Lauren Saunders, an associate director at the National Consumer Law Center, which has advocated for agency action. “We’ve seen [consumers facing] a lot of fraud in payments, a lot of trouble reaching customer service, a lot of trouble getting their accounts unfrozen.”

Consumer groups largely have heralded the CFPB’s approach, as have state officials, who encouraged the agency this year to adopt rules that might aid their own investigations. Matthew Platkin, the attorney general of New Jersey, said in an interview that he led a coalition of 19 states in asking the CFPB to intervene, after seeing “a significant increase in risk our residents face when using a whole host of apps, especially when it comes to mobile transactions.”

Even before the CFPB finalizes its rules, however, the agency can begin supervising the most high-risk companies under its founding law. Chopra first announced that the CFPB would revise this “dormant authority” in 2022, citing the “rapid growth of consumer offerings by nonbanks” and the need to ensure they are held to the “same standards” as their financial counterparts.

Much of this work tends to occur in secret, unless companies reveal they are under supervision or the CFPB places an uncooperative firm under a legal order. It has implemented such reviews for at least one fintech company, Affirm, which offers a “buy now, pay later” service that helps people obtain short-term loans for large purchases. The company disclosed the scrutiny last year in filings with investors.

“We have always viewed the CFPB as one of our regulators, which is why we have continuously engaged with them as well as all of our other regulatory stakeholders,” Affirm spokesman Matt Gross said in a statement.

Other technology companies have been more averse to greater federal oversight, choosing to take their complaints to Congress, where Republicans have long sided with industry in seeking to rein in — or eliminate entirely — the CFPB. The political dynamic was on display last month, as House GOP leaders convened a hearing to explore the agency’s “latest action to restrict competition in payments,” primarily calling tech lobbyists, lawyers and allies to testify.

Republicans thrashed the CFPB for pursuing what they called unnecessary regulation: Rep. French Hill (R-Ark.), the top lawmaker on the House’s leading fintech-focused committee, said the CFPB’s rules would give it “carte blanche to knock down the door of companies large and small with their fleet of examiners.”

“The CFPB is trying to cast as wide of a net as possible and become a technology regulator,” he said.

Many of the GOP attacks mimicked complaints levied by technology companies, which have donated to Hill and other panel lawmakers, according to federal records reviewed by OpenSecrets, a money-in-politics watchdog.

“We have to protect consumers and safeguard them,” TechNet’s Holshouser told lawmakers during the hearing, “but onerous regulations like this will have a chilling effect on innovation.”