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Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by jimmaswell on Friday April 30, 2021 @12:04AM (#26989731)
I really don't see why it should be illegal or even morally questionable at all to target ads at young or old people. It's what everyone already does with extra steps (TV timeslots, picking certain magazines) and it doesn't make sense to make a company waste money including 20 year olds in their Medicare supplement ad targeting.
Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by kube-system on Friday April 30, 2021 @12:17AM (#26989778)
I feel like it depends on the product. There are, for instance, more strict laws regarding the ways that financial institutions can lend money because of historical issues with unfair discrimination. And regarding things like that, it makes a lot of sense. https://www.consumer.ftc.gov/articles/0347-your-equal-credit...
Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by clort on Friday April 30, 2021 @01:44AM (#26990156)
What I think is different about targeted online advertising is that the ads targeted at specific groups may never be visible to other groups. A company can outright lie to a pre-selected group who they consider do not have the knowledge, skill or time to counter the lies.

There is a non-zero chance that TV timeslots are seen by people not in the targeted group. A billboard in a school zone may have a high chance of being seen by naive young moms but the canny young moms will also see it, along with dads and grandparents picking up kids, not to mention hundreds of other people who live and work in the area.

> it doesn't make sense to make a company waste money

except it does, to keep them accountable

Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by MathCodeLove on Friday April 30, 2021 @04:31AM (#26991038)
So the law should be against deceptive, false, or otherwise misleading ads. The law shouldn't be against targeted advertising based on age or any other socioeconomic grouping.
Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by faceplanted on Friday April 30, 2021 @05:41AM (#26991453)
Banning age discrimination is _how_ the law is against deceptive, false, and discriminating ads.

Britain had exactly this issue a few years back with Cambridge Analytica and targeted facebook advertising (the biggest scandal was actually the extra campaign funding that was spent on it), it wasn't until the scandal was long over that the actual list of adverts was released and people found them horrifying, but the people who were against them had _never_ seem them at the actual time because it was so heavily targeted.

Targeting messages is another form of hiding them and dividing people up.

Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by pbhjpbhj on Friday April 30, 2021 @05:39AM (#26991445)
Yes, but practically how does that work? It's fine to make misleading adverts illegal, but then if you only choose to show them to segments that are naive about the law and never make complaints, perhaps you'll get away with it?

Thinking out loud: Maybe companies should be required to keep an archive of all advertising. They'd display it on their own website and adverts that were considered misleading or had any upheld complaints would be necessarily marked?

Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by cheph on Friday April 30, 2021 @02:41AM (#26990468)
I get outright scam ads on YouTube, from YouTube once a week at least, and nothing ever happens to make them stop because I don't care enough to invest the insane amount of effort it will take to reach someone at YouTube that would care enough to stop it. And then the next outright scam add will pop up. So I am not sure by what mechanism this accountability functions if it can't stop blatant scams on YouTube adds.
Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by MathCodeLove on Friday April 30, 2021 @04:32AM (#26991047)
You can report them fairly quickly, there should be a "report" button directly on/under the ad itself. I'm not sure how effective it is at stopping these sort of ads, but it is a step you can easily take.
Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by gnud on Friday April 30, 2021 @05:24AM (#26991357)
I've never reported a Youtube ad, but I have reported two Facebook ads that lied in their displayed URL.

The the ads were for scummy "wonder-supplements", but displayed the URL of a newspaper that had nothing to do with the ad, I guess to try and get some legitimacy.

I couldn't write what was wrong with the ad in my report, only choose from some very broad categories, and both the reports were rejected with "ad is not in voilation of our guidelines".

I've stopped reporting lying Facebook ads.

And I doubt Google does this much better.

Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by cheph on Friday April 30, 2021 @05:58AM (#26991551)
I had this option for a while, it went away after I reported a couple of adds. Now I can't report adds anymore.
Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by reaperducer on Friday April 30, 2021 @12:59AM (#26989962)
I really don't see why it should be illegal or even morally questionable at all to target ads at young or old people.

It's not. But what you're positing is a gross oversimplification of the situation.

Nobody says you have to advertise toys in AARP Magazine. But there are federal rules governing the advertising of certain products, such as credit cards. That's what's happening here.

Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by ksec on Friday April 30, 2021 @02:49AM (#26990509)
Modern day politics thinks All Tracking and Targeting are morally wrong. And anything against that are politically incorrect. This isn't just Twitter or Social Media, it is mainstream media also painting the same picture.

A perception question: if the New York Times records every story I read on the site in the last month as a registered user, and uses that to determine what ads it shows me, is that 'tracking'?

Out of 5,877 vote, 83% thinks that is "tracking".

Which means in the modern day perception, any observation with regards to its user or anyone will be considered as "tracking". Which violate their privacy. The modern day usage of "privacy" has been twisted to mean more like anonymous.

All thanks to Apple's PR.

Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by Nasrudith on Friday April 30, 2021 @01:56PM (#26996923)
It is an overly broad and reductive concept but there is an implicit carve out - if it is literally required for the function. Putting aside the protocol captain obvious level of "a computer needs to know when your IP address asked for it to send the webpage to you" level, an online store with no tracking of transactions would be a useless mock up. No payments would be placed nor orders delivered.
Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by Bjartr on Friday April 30, 2021 @08:10AM (#26992383)
How is recording, as you put it, distinct from tracking?
Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by ksec on Saturday May 01, 2021 @03:26PM (#27009073)
Let's assume they are the same in literal sense. The problem is the current trend is about Zero Tracking, which means in the above example NYT could not even record the article their user have read on their site.

And it was a poll from Benedict Evans. [1], Thanks to him there is at least some sanity still on the internet.

[1] https://twitter.com/benedictevans/status/1387414650443141120

Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by Natsu on Friday April 30, 2021 @01:30AM (#26990097)
This one really confused me, too. Can kids even get credit cards?
Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by AuryGlenz on Friday April 30, 2021 @02:18AM (#26990333)
I got one when I was 12, but that was also 20 years ago now. It was a business card and had a credit limit of $8,000. My parents weren’t on the card. It confused me then almost as much as it confuses me now. Maybe their income counted as household income?

I got it because they didn’t like to use their credit cards online. I used it to buy my own PC.

Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by ChrisRR on Friday April 30, 2021 @04:34AM (#26991059)
Jesus, how can you allow a 12 year old to rack up $8000 in debt?
Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by Bjartr on Friday April 30, 2021 @08:12AM (#26992395)
Ultimately, I don't think minors can legally enter such a contract, so if he did rack up debt and the card company pursued it, it might have been dismissable if his age then came to light.
Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by AuryGlenz on Monday May 03, 2021 @10:49PM (#27033554)
Well, that could have been a fun spree. They must have asked my date of birth, though.
Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by vxNsr on Friday April 30, 2021 @09:25AM (#26993138)
You signed up online or in person at a bank? What did you say your “business” was?
Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by AuryGlenz on Monday May 03, 2021 @10:48PM (#27033550)
This was long enough ago that I believe it was over the phone, and I don't remember.

I wonder if I squeaked.

Re:Credit Card Ads Targeted by Age, Violating Facebook’s Ant... by paul_f on Friday April 30, 2021 @07:45AM (#26992179)
What if Facebook created a look-alike audience for a reverse mortgage product, and turns out it never showed it to anyone under 30. Did facebook just violate their own policy? But it's OK because an algorithm did it?