The first chief technology officer of the Department of Health and Human Services (HHS), Todd Park, has been working hard to make community health data as useful as weather data. If that vision for open government at HHS matures, the innovation released in the private sector could meet or exceed the billions of dollars unlocked by GPS or NOAA data. To see the first steps in that direction, look no further than the healthcare apps that have already gone online, like the integration of community health data into Bing search results.
Park shared the next step in opening up health data last month out in California, when he announced HealthData.gov at the San Francisco Healthcamp. When interviewed yesterday at the mHealth Summit in Washington, Park shared more details about HealthData.gov, which he says will launch in December. He also shared a new goal for text4baby yesterday, which has now grown to be the biggest mobile health platform in the United States: 1 million moms by 2012.
HealthData.gov will be a new part of Data.gov with a health data catalog, including a roster of new public and private applications using the data, said Park. The site will launch with a new tool, a “Health Indicator Warehouse” with over 2000 metrics for United States, state and county health. HealthData.gov will also host an online community dedicated to health data, which should allow practitioners, technologists and entrepreneurs to learn from one another. The site is the next step in the framework HHS has created for government to act as a platform through the Community Health Data Initiative. The next question will be whether these applications lead to better outcomes for citizens and businesses that expand, bringing on new workers. Measuring that meaningful outcome will require more time.
“People underestimate the amount of innovation going on,” said Bill Gates at the mHealth Summit in Washington, D.C. today. “They assume tech remains the same.” Given the thousands of attendees walking around the floor to see the mobile technology on display, there will be more awareness of what’s happening by the end of the day. Those listening to Gates in person or online could take away a few more lessons as well.
First of all, the key applications in the mobile health world are those that are tied to better outcomes, said Gates. Metrics like the number of children dying is one such metric, he said, and could be mitigated by mobile apps that register every birth on a cellphone to track vaccine coverage. Tracking supply chain for medical supplies and online medical records also can lower key metrics like child mortality, said Gates. Highlights from Bill Gate’s keynote conversation with Dr. Kristin Tolle are embedded below:
“In general, the world underfunds research because the person who takes the risk doesn’t capture the full benefit,” said Gates. “Government comes in for things the market doesn’t work well on.” Some research and development simply won’t get funded otherwise, in the absence of a strong profit motive. That’s likely one reason the Gates Foundation has focused on malaria, a disease that big pharmaceutical companies haven’t put significant resources behind.
“As the world goes from 6 billion to 9 billion, all of that population growth is in urban slums,” said Gates. That context provides a target for innovation in mobile healthcare technology, particularly given the increasing penetration of cellphones. Improving mortality rates is also relevant to that burgeoning population, he reflected. “Within a decade of having better health outcomes, people decide to have less children,” said Gates. citing the research of Han Rosling. Rosling’s TED Talk is below:
What’s the medical challenge for the aid community to target? “Funding vaccines is so clear,” said Gates. Polio may not get eradicated because of a lack of funding, he said, reflecting on “going begging” around the world to try to get the last $800 million dollars for vaccine.
What’s next? Where will innovation be happening and change how societies work? “Now the idea is to do digital transactions where you don’t use currency at all,” said Gates, pointing to M-PESA in Africa and the huge growth in mcommerce.
Those changes may not be proportional to the greatest needs, however, nor grounded in the traditional frame of ‘first world vs developing world.’ According to Gates, “middle income countries are where the most innovation in healthcare is going to happen.” The poorest countries need to address the true basic for survival before mhealth can make progress.
In richer countries, meaningful change is already happening because of mobile apps. Some of those innovations are just beginning to filter in. “What percentage of people have to be put in longterm care, versus have someone stop by?” asked Gates. Cellphones already enable new monitoring capabilities for seniors, children and caregivers; he anticipates better sensors and connectivity to change how we communicate and watch one another even further in the decades to come.
In a bid for the hearts and minds (and perhaps wallets) of the entrepreneurs present, Gates observed that conditions like obesity, diabetes and smoking cessation are good candidates for mobile health technology to address in rich countries.
He also appealed to officials making decisions on government policy and funding decisions. “The degree that health and education go together – I don’t think that’s surprising,” he said. “We should invest in both.”
Asked to reflect upon where to invest next, Gates was clear: “If you just pick one thing, it’s got to be robots,” citing improvements in robotic mobility, dexterity, productivity and the growing needs of both an aging population and childcare.
He also reflected upon the future hinted at by the increasing use of big data tools to deliver insight. “Our ability to discover drugs using computation – that is changing,” he said. “In a ten to fifteen year period, it will be utterly different.”
“Get off your index and build your Rolodex,” read the invite to last night’s Data BBQ in Washington, D.C.
And last night, that’s exactly what over a hundred people from around D.C.’s growing tech scene did, spilling out of the revamped officers of Insomniac Design in Bladgen Alley, near Mount Vernon Square.
The crowd was leavened with many attendees from the ongoing mHealth Summit 2010, manyof DC’s open data geeks and supporters and. Expert Labs’ Gina Trapani and Waxy.org’s Andy Baio came by from the FCC’s Open Developer Day to mix and mingle too. The highlight of the Data BBQ was the lightning talks, where attendees pitched projects, ideas, jobs or even spare rooms to the crowd. The talks are embedded below:
And, judging by the show of hands, many of the Data BBQ’ers had also heard about the World Bank’s Global Apps for Development Competition, which is looking to the development and practitioner communities to create innovative apps using World Bank data.
What might have been new to a few, at least, was the upcoming Apps for Army competition for the public, where the successful apps competition that Peter Corbett and iStrategy Labs helped the Army run will be rebooted for wider participation.
Will a rebooted FCC.gov become a platform for an ecosystem of applications driven by open government data? If that vision is going to come to fruition, the nation’s pre-eminent communication regulator will have to do more than just publish open data sets in machine readable formats online: it will have to develop a community of software developers that benefits to creating such applications.
Monday’s FCC developer day is a first step towards that future. Whether it’s a successful one will be in part predicated upon whether the applications created by the “civic hackers” present help citizens, businesses or other organizations do something new or ease a given process.
UPDATE: One key member of the open government community is the founder of Development Seed, Eric Gunderson. Gunderson has been involved in some of the most innovative mapping projects in open government over the past few years, along with the development of the platform for the new data.worldbank.org. If you’re looking for an unvarnished assessment of the meaning of the FCC’s effort and developer outreach, look no further:
Does it make sense to experiment? “In an online world, the best ideas can and do come from anyone, anywhere,” said FCC chairman Genachowski in a prepared statement. “Tapping into the innovation happening at the edge and in the cloud is a no brainer. The FCC’s first-ever Open Developer Day imports a best practice from the tech industry to help improve accessibility. It is part of our ongoing effort to harness technology to transform the FCC into a model of excellence in government.”
In order to meet that goal, the FCC is taking an open government tack, asking the civic development community to contribute to that effort. The agency’s first data officer, Greg Elin, explained more about the constituents for today’s dev day on the Blogband blog:
Programmers from the Yahoo! Developer Network will be on hand to demo their tools and provide guidance. They will give an overview of YQL, their query language which allows developers to “access and shape data across the Internet through one simple language, eliminating the need to learn how to call different APIs.” We will also see a demonstration of their YUI Library, a set of “utilities and controls … for building richly interactive web applications.”
An undertone, pervading a significant strand of the discussion, will be the 21st Century Communications and Video Accessibility Act. In signing the act last month, President Obama said the act “will make it easier for people who are deaf, blind or live with a visual impairment to do what many of us take for granted… It sets new standards so that Americans with disabilities can take advantage of the technology our economy depends on.”
The full day event will start at 9:00am and take place in Washington, DC at FCC headquarters. All developers are welcome free of charge. Bring a laptop and RSVP soon. If you’re not in the DC area and are unable to make it down here, we will be live streaming portions of the day. You can also join the discussion on Twitter using the hashtag #fccdevday. To email questions write to livequestions [at] fcc [dot] gov. You can participate by visiting Accessible Event, and entering the event code 00520237
For more context on what the FCC is trying to accomplish with FCC.gov/developer, watch a speech from the chairman and managing director Steve Van Roeckel at the 2010 Gov 2.0 Summit, below:
After an election that saw open government make gains in statehouses across the United States, a new transcontinental partnership offers new opportunities for international collaboration. This afternoon, Samantha Power, special assistant to the President for multilateral affairs and human rights, blogged about a new US-India partnership on open government at WhiteHouse.gov. Her post describes President Obama’s visit to an “Expo on Democracy and Open Government” at St. Xavier’s College in Mumbai and the technologies and organizations he encountered there. According to Power:
“India’s dynamism in the technology sector is well known, as is Gandhi’s legacy in India of civic action and bottom-up change, but today’s expo highlighted something very fresh: Indian civil society’s harnessing of innovation and technology to strengthen India’s democracy — by fighting corruption, holding government officials accountable, and empowering citizens to be the change they seek.”
Power’s post is thorough, descriptive and contextualizes the president’s trip and the growing use of technology to fight corruption and improve accountability in India. It also contains only one link that’s relevant to the organizations that were at said “Expo on Democracy and Open Government.” Ipaidabribe.com was created by Janagraaha to enable “Indians upload videos of their experiences in paying a bribe, in refusing to pay a bribe, and in ‘not having to pay a bribe.'”
The expo itself does not appear to have a website, or at least one that could be discovered after a few minutes of searching online.
The closest thing to an online FAQ is the White House press release on “Indian Innovations in Expo for Democracy and Open Government posted at America.gov, where the participating organizations are listed and described. Neither the WhiteHouse.gov blog post nor the release contains that most elemental of online elements: hyperlinks to the relevant person, place or thing being described. For some readers, used to the limitations of print, that may not be a huge issue. For digital natives or immigrants, the absence of links is a big missed opportunity.
The reason that critique is particularly fresh this afternoon is that one of the archetypal bloggers on the Web, David Winer, made the argument at Scripting News today that WhiteHouse.gov should be a hyperlocal blog. Specifically:
The sitting President can’t run campaign ads as an aspiring President does. But he has the ability to communicate more effectively than anyone else on the planet, if that power is developed. If you send people away to places that involve them. The White House blog should be a daily link list of ideas and perspectives on what’s happening in the world.
For instance, Power could have linked to the press briefing at USAID.gov where she, Secretary of Agriculture Tom Vilsack, USAID Administrator Raj Shah and Chief Technology Officer Aneesh Chopra talk about yesterday’s agricultural exposition, including her comments on this open government partnership. For example:
one of the things that we’ve been doing is really learning as a government just how rich the innovations are in a lot of emerging democracies, and indeed, in a lot of new democracies and transitional democracies. No one country has a monopoly on innovation in this space. And it’s indeed quite inspiring to see how even with very few resources you can see how creative nongovernmental actors are, or indeed champions within government who are stepping forward and taking advantage of new technologies and so forth to try to enhance partnership or transparency.
So having said that, I still think India has a huge number of comparative advantages. I mean, for starters it has one of the most noble traditions in human history of bottom-up change and bottom-up activism. I mean, the whole history of modern India is rooted in what you might call the original “Yes, we can” with Mr. Gandhi and the movement that he created and the billions of people that he inspired around the world, one of whom, as the President said today, was Martin Luther King, without whom, arguably, we wouldn’t be where we are in my own country.
So this tradition of bottom-up change, of citizen demand the quality of demand that one encounters out in the most rural areas and some of the most impoverished areas here, even among people who haven’t yet acquired literacy in their communities.
For an administration that’s embraced the idea and practice of Gov 2.0 in many notable ways, failing to link in even a Web 1.0 way is surprising. And to be fair, this post was an exception. The White House blog has frequently made good use of links, video and images, as shown by this week’s WhiteHouse.gov weekly wrapup.
For the sake of the broader open government community who may be interested, here’s the list of participants in that Expo from the press release, this time with links to the relevant organizations or news coverage, where such websites are not available:
An Illustrative List of Exhibitors and Roundtable Participants:
· Mazdoor Kisan Shakti Sangathana (Workers and Peasants Strength Union – MKSS) is an organization that fights against government corruption and creates channels for citizens to oversee their local governments. Its leader, Aruna Roy, is best known as a prominent leader of the Right to Information movement in India which led to Parliament’s passage of the Right to Information Act in 2005, which has empowered millions of ordinary Indians.
· Satark Nagrik Sangathan (SNS) is a New Delhi based citizen’s group with a mandate to promote accountability and transparency in government functioning. SNS’s key activities have been to promote the use of the Right to Information Act (RTI) by training citizens, particularly women in slum areas, to use the RTI and on the functioning of the government in areas such as rations, civic works, education and social welfare schemes. More recently, SNS has used the RTI to collect information on the performance of elected representatives and develop report cards.
· Janaagraha is a Bangalore-based NGO that works with citizens and government to change the quality of life in India’s cities and towns, focusing on urban infrastructure and citizen engagement with public institutions, including volunteerism. They also recently launched an exciting initiative called IPAIDABRIBE.com, a web platform for where people who have been asked for or ever had to pay a bribe are encouraged to share their experiences (after only 2 months, it gets 30,000 hits per day).
· The Hunger Project (THP) is a global organization committed to ending hunger. In India, it is committed to ignite and sustain the leadership spirit of women elected to local village councils (panchayats). THP works in 13 states of India, including Maharashtra (where Mumbai is located). By partnering with more than 90 civil society organizations, THP has worked with and supported the leadership of more than 60,000 elected women representatives.
· ASER uses simple tools to empower people nationwide to test their children’s math and reading abilities, and then hold local government accountable to outcomes. With this data, ASER creates the Annual Status of Education Report, which surveys literacy in 570 districts and 700,000 children of India with citizen participation. Each year 25,000 volunteers donate 4 days of their time to gather the data for this report.
· PRS Legislative Research (PRS) works with Members of Parliament (MPs) across party lines to provide research support on legislative and policy issues. Its aim is to complement the base of knowledge and expertise that already exists in government, citizens groups, businesses, and other research institutions. PRS also enables citizens to track the progress of legislative and policy reforms through an on-line portal.
· The Association for Democratic Reforms (ADR) works on building fair and transparent electoral and political processes in India. ADR has organized Citizen Election Watch for all major elections and discloses candidate background information in a timely manner, including through SMS technology, to the media and the public, helping them to make informed voting choices.
The takeaway for government – or any organization, for that matter – is that blogs and the Web offer new opportunities to share information, create more surface area to expose ideas to citizens and create conversations. If official accounts of new partnerships or events consist of plaintext press releases, lack a website or a post on the most prominent government blog in the world fails to include images, video or relevant links, that opportunity is being neglected.
Pretty cool. According to the page, it’s from Semantic-Web.at. It’s a good bet that the growth of open data and open government initiatives around the world will be a topic of conversation for the community the International Data Summit this month in Washington, D.C.
“An exploration of cyberpunk fiction, technology, where we’re headed, the challenges we face, and the solutions we need”-Ignite NYC. I gave a (very) similar talk called Pattern Recognition and Spimewatch at Ignite D.C. later that week. For whatever reason, this version seems to have come off much better. Rack it up to the first time on a big stage; there were close to a thousand people present in NYC.
What does the innovation on display at the Civic Apps contest by developers in Portland, Oregon mean to the city’s mayor?
“It’s bringing to the world knowledge of what exists in the real world but is so often unknown,” said Mayor Sam Adams in an interview at the awards ceremony for the winners of the contest.
“In Portland, like I think most cities, when people are armed with knowledge, they make wiser choices,” he said, pointing to applications like PDX Bus as examples of innovation that actually help citizens to navigate the city better.
Does open data lead to more economic value creation in the private sector and metropolitan areas alike?
“We are seeing folks that are sole proprietorships hire folks to help them build their business, their app business, their online business with our data sets.” he said. “For us, data has always been there, in some cases for decades. Putting it to use for the public and help people make money while they do it – we intend to be the open source capitol of the nation – and this is one contribution we can make, with our data sets.”
What’s next? “What CivicApps is about in part, providing the data, is sparking relationships, relationships which lead to economic opportunities,” he said. “Webtrends, Microsoft meets the local hacker or coder tonight at this event, who knows what will happen. Our job is to provide the data, provide the opportunity for relationships to occur, provide what in comparison is a tiny litte bit of money, a little incentive for people to keep going. And it’s also fun. It make the city more fun to live in, because you know what’s there.”
That incentive, incidentally, amounted to $1000 for each of the winners of the second round of Civic Apps awards, with another $3000 going to the Best of Show winner, Loqi.me. This afternoon, Skip Newberry, economic development policy advisor to Mayor Adams, congratulated the winners of CivicApps on Twitter.
As Mayor Adams mentioned later in the program, this Web app could be useful in a snowstorm in Oregon or, if adapted more broadly, for crisis response around the country or world.
App description: “This application is a resource for citizens, medical teams and governments before, during and after disasters. Loqi.me allows mobile users to send an emergency GPS beacon to a real-time map. Crises responders can view all of the help requests on the webpage, along with hospitals and fire stations, real-time 911 calls related to natural disasters. Ground teams can easily use Loqi.me on their mobile phones to send notices of supplies and terrain reports in real time. Remote helpers can easily see the whole picture on the website’s real-time map, handle help and information requests, and send messages to the network. Loqi.me supports subscription to group messages via SMS, AIM, Jabber and Twitter. No application installation is required. Location beacons can be sent simply by going to http://loqi.me on a mobile phone.”
App Description: “This is a simple, handy web map that helps you figure out how to ride your bike to transit. It lets you choose from a variety of base layers, and toggle transit stops, routes, and current bike routes. You can also query transit stops and routes for basic information. I made this for a Web GIS class at PSU and I’m a total beginner (with some code thanks to Professor Percy and OpenLayers).”
“This helped make our data useful to a lot of other developers and the general public,” said Mayor Adams. “Why take it on?”
“I saw all of this great data at the core when civic apps launched,” said Ogden. “When you get data into the Web format, you get Web developers who are really used to making human interfaces for things make them.”
App Description: “A web application to preview any of the public geo data on CivicApps from your web browser. You can choose a dataset and view that data on a map. Individual objects are clickable and can provide details (metadata).”
Can technology be used to create a “21st Century regulator?” Keep an eye on Elizabeth Warren as she works to stand up the new Bureau of Consumer Financial Protection over the next months. As Bill Swindell reported for NextGov, the new consumer protection agency plans to use crowdsourcing to detect issues in the market earlier. In a world where studios can use tweets to estimate movie profits or researchers can use Twitter to predict the stock market, it makes sense for government to seriously examine data mining blogs and social networks to pick up the weak signals that predate real problems. Choosing to use such a methodology is applying a lesson from Web 2.0 for Gov 2.0.
This isn’t the first time the federal government has tried to use crowdsourcing for collaborative innovation in open government, certainly, but detecting consumer fraud in a networked world is such a massive challenge that the effort deserves special attention and scrutiny. What’s the thinking here? As Warren told Swindell:
“It’s also about how we will receive information about how the world works,” she said. “It’s about how people will tell us about what is happening. I want you to think about this more like ‘heat maps’ for targeted zip codes where problems are emerging, or among certain demographic groups, or among certain issuers,” Warren said in her still-not-decorated office.
How will crowdsourcing be focused? Swindell’s article provides more insight:
“The power of enforcement will be partly about the agency. But it will be partly, in the future, be about how people crowdsource around identified problems,” Warren said. “The idea that people can talk to each other, whether it’s through the agency or from other platforms. In a sense, the whole notion of how markets work will change.”
“In the old world, it would be up for the agency to come in, and you look very slowly through a sample of the banks to see what products they mailed out. And did they add a lot of fine print, nonsense by regulation that was not supposed to be there?[Now] all of the sudden you got information, and you got it much faster, and you have it more pinpointed and that becomes relevant for purposes of where you spend enforcement resources.”
I think the tools that can be at the new agency’s disposal will have at least three kinds of implications. First, information technology can help ensure that the new agency remains a steady and reliable voice for American families. The kinds of monitoring and transparency that technology make possible can help this agency ward off industry capture.
Second, technology can be used to help the agency become an effective, high-performance institution that is able to update information, spot trends, and deliver government services twenty-four hours a day, seven days a week. If we set it up right from the beginning, the agency can collect and analyze data faster and get on top of problems as they occur, not years later. Think about how much sooner attention could have turned to foreclosure documentation (robo-signers and fake notaries) if, back in 2007 and 2008, the consumer agency had been in place to gather information and to act before the problem became a national scandal.
And third, technology can be used to expand publicly available data so that more people can analyze information, spot problems, and craft solutions. When these data are made available – while also, of course, protecting consumer privacy, shielding personal information and protecting proprietary business information – a shared opportunity arises between the agency and people outside government to have a hand in shaping the consumer credit world.
When Elizabeth Warren meets with Silicon Valley executives, certain technologies are likely to be of particular interest. As reported, she’ll be talking with Hal Varian, Google’s chief economist. Varian is behind a “Google price index” created through online shopping data that measures inflation. For some perspective on his thinking and why leveraging big data is one of the most important trends in IT, watch the video from last year’s Gov 2.0 Summit below:
For more perspective on how big data is being put to work across government, academia and big business, check out the excellent Strata Week series at O’Reilly Radar. Data science is shaping up to be one of the key disciplines of the 21st Century. Whether it can be put to good use by government regulators is a question that will be fascinating to see answered.
UPDATE: Warren delivered a speech to the University of California at Berkeley during her trip where she elaborated further on her vision for the new consumer protection agency. Full text of the speech is embedded below. Selected quotes on data follow.
Technology may provide new tools for the media and government to determine what’s happening – but they can and are used against consumers. As is so often the case, technology is agnostic to the purpose it is bent towards.
Today, information is king—but information is not evenly accessed by all. Repeat players can understand a complicated financial product that the rest of us have difficulty parsing in full. Lenders can hire teams of lawyers to work out every detail of a contract, then replicate it millions of times; a consumer doesn’t have the same option. And with technology to keep track of every purchase, to watch every payment choice, to observe and record the rhythms of our lives, a sophisticated seller can harvest that information—sometimes in ways that provide value, but sometimes in ways that manipulate customers who will never see what happened to them.
Warren also talked about how technology can be used to connect the new regulator with consumers, with respect to a “virtual shingle.” We’ll all see how big those ears can be.
When an agency loses sight of the public it is designed to serve, academics say it has been captured. The new consumer agency can develop tools to help level the playing field and discourage capture. The American people can have not just one, but thousands of seats at the table. Even before the agency officially opens its doors, it can solicit information from the American people about the challenges and frustrations that they face with consumer financial products day in and day out—and it can organize that information and put it to good use. Data from the public can inform priorities, and it can signal problems both to consumers and businesses. Information technology can allow us to hang out a virtual shingle in front the Agency and to declare our intent to the world. It’s a lot harder to let yourself fail – and a lot easier for the public to hold you accountable – when you’ve transparently declared your mission and shared information the public can use to measure your success in meeting it. Technology can force this agency to remain true to its goals.
Warren also articulated her thoughts on a “data-driven agency” and empowering citizens “to help expose, early on, consumer financial tricks,” acting as a kind of collective digital neighborhood watch. It’s an interesting vision.
In a world of experts, it’s the experts that frame the questions to be asked, isolate the problems, sort through the data (if there are any), and try to design solutions—always with the industry looking on and chiming in. But we can do this differently.
A data driven agency won’t be about conventional wisdom. It will be about data. And those data should come from many sources—from financial institutions, from academic studies and from our own independent research. We can reinforce that approach by making sure that our analysts come from a diversity of backgrounds—finance, law, economics, sociology, housing.
But we can also gather data directly from the American people by asking them to volunteer to share with us the experiences they have with consumer credit products. We can open up our platform to families across the country who want to tell us what has happened to them as they have used credit cards, tried to pay off student loans, or worked to correct errors in a credit report. We can learn more about the loan application process, about what people see on the front end and what happens on the back end. We can learn about good practices, bad practices and downright dangerous practices, and we can report on the good, the bad and the ugly to increase transparency and to push markets in the right direction.
Normally, agencies use supervision and lawsuits to enforce the law. This agency will do that as the cop on the beat watching huge credit card companies, local payday lenders, and others in between. Technology can help us do that better, by making sure our enforcement priorities are tightly connected to the financial market realities as experienced by customers every day.
New technology can help us supplement the cop on the beat by building a neighborhood watch. The agency can empower a well-‐informed population to help expose, early on, consumer financial tricks. If rules are being broken, we don’t need to wait for an expert in Washington to wake up. If we set it up right from the beginning, the agency can collect and analyze data faster and get on top of problems as they occur, not years later. Think about how much sooner attention could have turned to foreclosure documentation (robo-‐signers and fake notaries) if, back in 2007 and 2008, the consumer agency had been in place to blow the whistle before the problem became a national scandal.
The agency may also be able to demonstrate how incentives can change when people are connected not only to the government, but also to each other. Through crowd-‐sourcing technology, consumers can deal collectively with those who would take advantage of them—and can reward those who provide excellent products and services. Imagine scanning a credit agreement and uploading to a website where software can analyze the text of the agreement. A consumer could help the agency spot new agreements on the market and customers could get more information as they make decisions. The new CARD Act requires credit card issuers to submit their agreements to the Federal Reserve for posting. That’s a model we can build on. Information – fast, accurate information from a variety of sources – has the power to transform the old measures of agency effectiveness.
Warren was also thoughtful about the risks and opportunities of using government data. She also alluded to the potential for entrepreneurs to develop apps to create something of value, an aspect of Gov 2.0 that has been widely articulated through the Obama administration’s IT officials.
As a researcher, I understand that data must always be handled carefully, and protection of personal data and proprietary models is paramount. But I also believe that better data, made available to the media, private investors, scholars and others, will, over time, produce better results. When data are widely shared, others can use those data to uncover new problems, to frame those problems in different ways, to propose their own public policy solutions, and, for the entrepreneurs in the group, to develop their own private apps to create something of value. I’ve seen some good ideas in my time, and I’ve learned that those ideas can come from unlikely places. I’m hopeful that, as we drive consumer credit markets toward working better for families, the new consumer agency will be smart enough to encourage – and then to build upon – good ideas that come from far outside the government sphere.
E Pluribus Unum 
