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And as economic and technological innovations accelerate, businesses can and must find meaningful ways to demonstrate a renewed commitment to an honest, fair, and trustworthy marketplace for all.</p> </div> </div> </div> <div class="rich-text"> <div style="height: 50px"></div> </div> </div> <div class="rich-text"> <p style="text-align: center"> </p><img src="https://assets.bbbprograms.org/images/librariesprovider5/default-album/cisrhomepageasset-1v2.png?sfvrsn=b670ca7d_1" style="width: 90vw; max-width: 900px; display: block; margin-left: auto; margin-right: 0; margin-top: -75px" alt=" The Center for Industry Self-Regulation (CISR) Business leaders illustration "> </div> </section> <section id="MainContent_C186_Col00" class="sf_colsIn bg_mission" data-sf-element="Section" data-placeholder-label="Section content"><div id="MainContent_C220_Col00" class="sf_colsIn container container_space_vertical" data-sf-element="Container" data-placeholder-label="Container"> <div class="rich-text"> <h2 style="text-align: center; font-weight: 700; font-size: 3rem; color: rgba(255, 255, 255, 1)">Our Mission</h2><p> </p> </div><div id="MainContent_C225_Col00" class="cards_line sf_colsIn" data-sf-element="Cards place" data-placeholder-label="Cards place"><div id="MainContent_C226_Col00" class="card sf_colsIn" data-sf-element="Card content" data-placeholder-label="Card content"> <div class="rich-text"> <h3 style="text-align: left; font-weight: 700; color: rgba(40, 40, 60, 1)">Getting Self-Regulation Right</h3><p style="text-align: left"> </p><p style="text-align: left; background-color: rgba(0, 178, 255, 1); color: rgba(255, 255, 255, 1)"><strong>The Center for Industry Self-Regulation (CISR), a 501(c)(3) non-profit, was created by BBB National Progra</strong><strong>ms to harness the historic power of self-regulation, also called soft law, in the United States in order to empower business accountability. </strong>CISR is dedicated to education and research that supports responsible business leaders developing fair, future-proof best practices, and to the education of the general public on the conditions necessary for industry self-regulation.</p><p style="text-align: left"> </p> </div> </div><div id="MainContent_C227_Col00" class="card sf_colsIn" data-sf-element="Card content" data-placeholder-label="Card content"> <iframe width="100%" height="315" src="https://www.youtube.com/embed/-xoZGM7p5-U?si=cg1I2h0x-l5ggscO" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" allowfullscreen></iframe> </div> </div><div class="row" data-sf-element="Row"> <div id="MainContent_C224_Col00" class="sf_colsIn col-lg-9" data-sf-element="Column 1" data-placeholder-label="Column 1"> </div> <div id="MainContent_C224_Col01" class="sf_colsIn col-lg-3" data-sf-element="Column 2" data-placeholder-label="Column 2"> </div> </div> </div> <div class="rich-text"> <p> </p><p> </p><p> </p><p> </p> </div> </section><section id="MainContent_C187_Col00" class="sf_colsIn bg_HRow1" data-sf-element="Section" data-placeholder-label="Section content"><div id="MainContent_C007_Col00" class="sf_colsIn container" data-sf-element="Container" data-placeholder-label="Container"><div class="row" data-sf-element="Row"> <div id="MainContent_C011_Col00" class="sf_colsIn col-xs-12 col-sm-6 col-md-6 col-lg-6 col-xl-6" data-sf-element="Column 1" data-placeholder-label="Column 1"> <div class="rich-text"> <div style="padding: 80px 5vw 100px; text-align: center"><img src="https://assets.bbbprograms.org/images/librariesprovider5/default-album/cisr_homepagefunders_11-21-2022-01.png?sfvrsn=c33acd0b_1" style="width: 15vw; max-width: 1000px; min-width: 200px" alt="Corporate social responsibility handshake illustration"><h3 style="text-align: center; font-weight: 700; color: rgba(30, 10, 30, 1)">For Funders</h3><p style="text-align: center">Our research explores how to solve collective challenges in the business community, calling on decades of experience operating independent self-regulatory and co-regulatory programs.</p></div> </div> </div> <div id="MainContent_C011_Col01" class="sf_colsIn col-xs-12 col-sm-6 col-md-6 col-lg-6 col-xl-6" data-sf-element="Column 2" data-placeholder-label="Column 2"> <div class="rich-text"> <div style="padding: 80px 5vw 100px"><p><img src="https://assets.bbbprograms.org/images/librariesprovider5/default-album/cisr_homepagebusinesses_11-21-2022.png?sfvrsn=70264f38_1" style="width: 15vw; max-width: 1000px; min-width: 200px; display: block; margin-left: auto; margin-right: auto" alt=" benefits of self-regulation interface illustration "></p><h3 style="text-align: center; font-weight: 700; color: rgba(30, 10, 30, 1)">For Businesses</h3><p style="text-align: center">Learn about the challenges facing your industry to help identify opportunities for new best practices that will enhance the trust and respect of consumers, partners, and regulators.</p></div> </div> </div> </div> </div> </section><section id="MainContent_C202_Col00" class="sf_colsIn" data-sf-element="Section" data-placeholder-label="Section content"> <div class="rich-text"> <hr> </div> </section><section id="MainContent_C204_Col00" class="sf_colsIn bg_beige" data-sf-element="Section" data-placeholder-label="Section content"><section class="hero"> <div id="MainContent_C206_Col00" class="container sf_colsIn" data-sf-element="Hero content" data-placeholder-label="Hero content"> <div class="rich-text"> <h2 class="section_header content_under" style="text-align: center"><strong>Events</strong></h2> </div><div class="row" data-sf-element="Row"> <div id="MainContent_C212_Col00" class="sf_colsIn col-lg-3" data-sf-element="Column 1" data-placeholder-label="Column 1"> <div class="rich-text"> <img id="sls" src="https://assets.bbbprograms.org/images/librariesprovider5/default-album/dark-version.png?sfvrsn=8bc8c5d0_1" style="display: block; margin-left: auto; margin-right: auto" width="100%" alt="" class="-align-center"> </div> </div> <div id="MainContent_C212_Col01" class="sf_colsIn col-lg-9" data-sf-element="Column 2" data-placeholder-label="Column 2"> <div class="rich-text"> <div class="hero_content wide"><p>The 2024 Soft Law Summit was held on Tuesday, September 24 in Washington, DC, and brought together industry leaders, academics, and policy makers to dissect and examine how the challenges and opportunities for America's business sectors have been and can be addressed by independent industry self-regulation.</p><p> </p></div> </div> <a href="https://industryselfregulation.org/SoftLaw-Summit" target="_blank" class="styled_button btn_darkblue "> <span>Learn More</span> </a> </div> </div> </div> </section> </section><section id="MainContent_C095_Col00" class="sf_colsIn bg_HIncubator" data-sf-element="Section" data-placeholder-label="Section content"> <div class="rich-text"> <hr> </div><div id="MainContent_C126_Col00" class="sf_colsIn container container_space_vertical" data-sf-element="Container" data-placeholder-label="Container"> <div class="rich-text"> <h2 class="section_header content_under" style="text-align: center"><strong>In the Incubator</strong></h2> </div><div class="row" data-sf-element="Row"> <div id="MainContent_C127_Col00" class="sf_colsIn col-xs-12 col-md-4" data-sf-element="Column 1" data-placeholder-label="Left Column"> <div class="rich-text"> <img src="https://assets.bbbprograms.org/images/librariesprovider5/default-album/incubatorpagegraphics_7-21-2021_tapp.png?sfvrsn=d6ac7401_3" style="display: block; margin-left: auto; margin-right: auto; width: 100%; max-width: 400px" alt=" "> </div> </div> <div id="MainContent_C127_Col01" class="sf_colsIn col-md-8" data-sf-element="Column 2" data-placeholder-label="Right Column"> <div class="rich-text"> <h3><strong>TeenAge Privacy Program (TAPP)</strong><strong></strong><strong></strong></h3><p> </p><p>The TAPP Incubator project has brought together a diverse set of industry stakeholders to help solve the challenges of data privacy for teenagers. Participating businesses are designing safeguards for the personal data of this unique group of consumers, building a bridge between privacy protections for children and adults that can serve as a global model. These trailblazers are not waiting for the problem to worsen, they are leading change. </p><p> </p><p>The TAPP Roadmap is a new operational framework designed to help companies develop digital products and services that consider and respond to the heightened potential of risks and harms to teenage consumers and to ensure that businesses collect and manage teen data responsibly. </p><p> </p><div></div> </div> <div class="rich-text"> <a style="font-size: 22px; color: rgba(255, 255, 255, 1); text-decoration: none" href="/incubator/teenage-privacy-program"><div style="margin-top: 15px; margin-bottom: 15px; padding: 15px; background-color: rgba(27, 89, 41, 1); text-align: center; font-size: 22px; color: rgba(255, 255, 255, 1); font-weight: 600; text-decoration: none">Learn More</div></a> </div> </div> </div> <div class="rich-text"> <p> </p><p> </p> </div> <div class="rich-text"> <hr> </div> <div class="rich-text"> <p> </p><p> </p> </div><div class="row" data-sf-element="Row"> <div id="MainContent_C160_Col00" class="sf_colsIn col-xs-12 col-md-4" data-sf-element="Column 1" data-placeholder-label="Left Column"> <div class="rich-text"> <p><img src="https://assets.bbbprograms.org/images/librariesprovider5/default-album/incubatorpagegraphics_7-21-2021_hiringai.png?sfvrsn=e8c5e9ba_6" style="display: block; margin-left: auto; margin-right: auto; width: 100%; max-width: 400px" alt=" "></p> </div> </div> <div id="MainContent_C160_Col01" class="sf_colsIn col-md-8" data-sf-element="Column 2" data-placeholder-label="Right Column"> <div class="rich-text"> <h3><strong></strong><strong>AI in Hiring & Recruiting</strong></h3><p> </p><p>In the recruiting and hiring process, where algorithms increasingly provide an aid to human decision making, how can we combine important technological innovation with a proactive approach to employment law regulations and future-proof standards? </p><p> </p><p>The Principles and Protocols for Trustworthy AI in Recruiting and Hiring <span style="background-color: initial; font-size: inherit; text-transform: inherit; word-spacing: normal; white-space: inherit">serve as a global baseline standard and framework for the use of AI applications in recruitment and hiring, providing practical and actionable guidance for employers and vendors seeking to leverage AI technology responsibly and equitably.</span></p><div></div> </div> <div class="rich-text"> <a style="font-size: 22px; color: rgba(255, 255, 255, 1); text-decoration: none" href="/incubator/ai-hiring"><div style="margin-top: 15px; margin-bottom: 15px; padding: 15px; background-color: rgba(27, 89, 41, 1); text-align: center; font-size: 22px; color: rgba(255, 255, 255, 1); font-weight: 600; text-decoration: none">Learn More</div></a> </div> </div> </div> </div> <div class="rich-text">  <p> </p><p> </p> </div> </section><section id="MainContent_C023_Col00" class="sf_colsIn bg_HEmerging" data-sf-element="Section" data-placeholder-label="Section content"> <div class="rich-text"> <hr> </div><div id="MainContent_C124_Col00" class="sf_colsIn container container_space_vertical_top" data-sf-element="Container" data-placeholder-label="Container"> <div class="rich-text"> <h2 class="section_header content_under" style="text-align: center"><strong>Emerging Areas of Interest</strong></h2><p>Among myriad other challenges that could be approached through the lens of the Self-Regulation Incubator, the areas listed below appear ripe for possible future convenings. If you would like to be involved in these or other Incubator initiatives, use the Contact Us form below. </p><p> </p> </div><div id="MainContent_C038_Col00" class="sf_colsIn container" data-sf-element="Container" data-placeholder-label="Container"><div class="row" data-sf-element="Row"> <div id="MainContent_C164_Col00" class="sf_colsIn col-lg-5" data-sf-element="Column 1" data-placeholder-label="Column 1"> <div class="rich-text">   </div> <div class="rich-text"> <div style="border-radius: 15px 15px 0 0; padding: 40px; background-color: rgba(255, 97, 0, 1); color: rgba(255, 255, 255, 1); text-align: center"><h2 style="text-align: center; font-weight: 700; color: rgba(255, 255, 255, 1)">Connected Vehicles</h2></div><div style="border-radius: 0 0 15px 15px; padding: 40px; background-color: rgba(255, 255, 255, 1); color: rgba(30, 10, 30, 1); text-align: center"><p align="center">As cars become smarter and more interconnected, do the rules of the road need to change? How do we anticipate the new normal of safety, security and data protection, while ensuring that businesses remain on a level playing field and consumers are heard? </p><p> </p><p align="center" style="color: rgba(116, 61, 39, 1); font-weight: 700"> The Self-Regulation Incubator can help.</p><span style="background-color: rgba(0, 0, 0, 0); color: inherit; font-family: inherit; font-size: inherit; text-transform: inherit; white-space: inherit; word-spacing: normal"></span></div> </div> </div> <div id="MainContent_C164_Col01" class="sf_colsIn col-lg-2" data-sf-element="Column 2" data-placeholder-label="Column 2"> </div> <div id="MainContent_C164_Col02" class="sf_colsIn col-lg-5" data-sf-element="Column 3" data-placeholder-label="Column 3"> <div class="rich-text">   </div> <div class="rich-text"> <div style="border-radius: 15px 15px 0 0; padding: 40px; background-color: rgba(255, 201, 0, 1); color: rgba(255, 255, 255, 1); text-align: center"><h2 style="text-align: center; font-weight: 700; color: rgba(255, 255, 255, 1)">The Metaverse</h2></div><div style="border-radius: 0 0 15px 15px; padding: 40px; background-color: rgba(255, 255, 255, 1); color: rgba(30, 10, 30, 1); text-align: center"><p align="center">The rules of the road for the metaverse, which is being hailed as the next big technological revolution, are still being written. How can we ensure consumers are protected while encouraging innovation as businesses explore this next digital frontier? </p><p> </p><p align="center" style="color: rgba(116, 97, 40, 1); font-weight: 700">The Self-Regulation Incubator can help.</p><span style="background-color: rgba(0, 0, 0, 0); color: inherit; font-family: inherit; font-size: inherit; text-transform: inherit; white-space: inherit; word-spacing: normal"></span></div> </div> </div> </div> </div> </div> <div class="rich-text">   <p> </p><p> </p><p> </p><p> </p> </div><section id="MainContent_C171_Col00" class="sf_colsIn bg_Donate" data-sf-element="Section" data-placeholder-label="Section content"><div id="MainContent_C172_Col00" class="sf_colsIn container container_space_vertical" data-sf-element="Container" data-placeholder-label="Container"><section> <div class="row" data-sf-element="Row"> <div id="MainContent_C182_Col00" class="sf_colsIn col-xs-12 col-md-12 col-lg-8" data-sf-element="Left Column" data-placeholder-label="Left Column"><div id="MainContent_C184_Col00" class="card sf_colsIn" data-sf-element="Card content" data-placeholder-label="Card content"> <div class="rich-text"> <h1><strong>Investing in Business Accountability</strong><br></h1> <p> </p> <p>As economic and technological innovations accelerate, businesses must continue to work together to enhance consumer trust in a dynamic marketplace. </p> <p> </p> <p>At the Center for Industry Self-Regulation, we believe that independent research and education is critical to incubating the solutions that will help us solve industry challenges and protect consumers. <strong>Your contribution helps make this important work possible.</strong></p> <p> </p> <p>The Center for Industry Self-Regulation is a 501(c)(3) tax-exempt nonprofit organization. </p> <p> </p> </div> </div> </div> <div id="MainContent_C182_Col01" class="sf_colsIn col-xs-12 col-md-12 col-lg-4" data-sf-element="Right Column" data-placeholder-label="Right Column"><div id="MainContent_C183_Col00" class="card sf_colsIn" data-sf-element="Card content" data-placeholder-label="Card content"> <div class="rich-text"> <div id="donate-button-container"><div id="donate-button"></div></div> </div> </div> </div> </div> </section> <script src="https://www.paypalobjects.com/donate/sdk/donate-sdk.js" charset="UTF-8"></script> <script> PayPal.Donation.Button({ env:'production', hosted_button_id:'MFFK2BXNYQKRW', image: { src:'https://assets.bbbprograms.org/images/librariesprovider5/default-album/cisrasset-1v2.png?sfvrsn=5226bfc5_1', alt:'Donate with PayPal button', title:'PayPal - The safer, easier way to pay online!', } }).render('#donate-button'); </script> </div> </div> <div class="rich-text"> <p> </p><p> </p><p> </p> </div> </section><section id="MainContent_C141_Col00" class="sf_colsIn bg_white" data-sf-element="Section" data-placeholder-label="Section content"><div id="MainContent_C142_Col00" class="sf_colsIn container container_space_vertical" data-sf-element="Container" data-placeholder-label="Container"> <div class="rich-text"> <h2 class="section_header content_under" style="text-align: center"><strong>News</strong></h2> </div><div id="MainContent_C143_Col00" class="max_4_cards pr_box nb_box sf_colsIn" data-sf-element="4 Blog or news cards" data-placeholder-label="4 Blog or news cards"> <div class="pr_card card_nb nb_news "> <span class="nb_type_tag">Press Release</span> <h4 class="pr_title"> John Templeton Foundation Grant Awarded to Center for Industry Self-Regulation to Develop Industry Self-Regulation Curriculum for Law, Business & Public Policy Schools </h4> <div class="pr_intro"> <p><em>McLean, VA – September 10, 2024 - </em>BBB National Programs’ Center for Industry Self-Regulation today announced that it will develop a curriculum on industry self-regulation for law, business, and public policy school programs, filling a significant gap in current...</p> </div> <a href="https://industryselfregulation.org/news/details/john-templeton-foundation" class="pr_link">Read the Press Release</a> </div> <div class="pr_card card_nb nb_news "> <span class="nb_type_tag">Press Release</span> <h4 class="pr_title"> BBB National Programs’ Center for Industry Self-Regulation Publishes Principles and Protocols for Trustworthy AI in Recruiting and Hiring </h4> <div class="pr_intro"> <p>McLean, VA – June 8, 2023 – The Center for Industry Self-Regulation released self-regulatory Principles for Trustworthy AI in Recruiting and Hiring, as a global baseline standard for the use of AI applications in recruitment and hiring, and</p> </div> <a href="https://industryselfregulation.org/news/details/ai-hiring-principles-and-protocols" class="pr_link">Read the Press Release</a> </div> <div class="pr_card card_nb nb_news "> <span class="nb_type_tag">Press Release</span> <h4 class="pr_title"> Justin Connor Named Executive Director for The Center for Industry Self-Regulation, a Foundation Created by BBB National Programs </h4> <div class="pr_intro"> <p align="center">McLean, VA – May 17, 2022 – Recognizing a timely opportunity to promote and grow the next generation of independent industry self-regulation programs, The Center for Industry Self-Regulation today named Justin Connor as its inaugural Executive Director. The announcement was made by Eric D. Reicin,...</p> </div> <a href="https://industryselfregulation.org/news/details/CISR-names-executive-director" class="pr_link">Read the Press Release</a> </div> <div class="pr_card card_nb nb_news "> <span class="nb_type_tag">Press Release</span> <h4 class="pr_title"> To Help U.S. Companies Responsibly Collect and Manage Teenager Data, Center for Industry Self-Regulation Publishes TeenAge Privacy Program Roadmap </h4> <div class="pr_intro"> McLean, VA – April 19, 2022 – BBB National Programs’ Center for Industry Self-Regulation today announced the launch of the TeenAge Privacy Program (TAPP) Roadmap, a new operational framework designed to help companies develop digital products and services that consider and respond to the heightened... </div> <a href="https://industryselfregulation.org/news/details/CISR-publishes-teenage-privacy-roadmap" class="pr_link">Read the Press Release</a> </div> </div> </div> <div id="MainContent_C196_Col00" class="sf_colsIn container" data-sf-element="Container" data-placeholder-label="Container"> <div class="rich-text"> <p> </p><p> </p> </div> <div class="rich-text"> <h2 class="section_header content_under" style="text-align: center"><strong>Thought Leadership</strong></h2> </div><div id="MainContent_C198_Col00" class="max_4_cards pr_box nb_box sf_colsIn" data-sf-element="4 Blog or news cards" data-placeholder-label="4 Blog or news cards"> <div class="pr_card card_nb reverse_colours"> <span class="nb_type_tag">Blog</span> <h4 class="pr_title"> Soft Law Summit Recap: Industry Self-Regulation Fills the Regulatory Gap </h4> <div class="pr_intro"> The Center for Industry Self-Regulation (CISR) recently brought together a diverse group of experts for the second annual Soft Law Summit to explore one key theme: As technology advances, how self-regulation has emerged as a vital tool to complement and support formal regulatory and legal frameworks. </div> <a href="https://industryselfregulation.org/blog/details/cisr-blog/2024/10/23/soft-law-summit-recap" class="pr_link">Read more</a> </div> <div class="pr_card card_nb reverse_colours"> <span class="nb_type_tag">Blog</span> <h4 class="pr_title"> World Standards Day: Celebrating Voluntary Industry Standards </h4> <div class="pr_intro"> World Standards Day was created to increase understanding of the importance of standardization and acknowledge the collaborative efforts of thousands of experts worldwide who develop them. Behind the scenes, every day, standards help make our lives safer and more enjoyable. </div> <a href="https://industryselfregulation.org/blog/details/cisr-blog/2024/10/14/world-standards-day" class="pr_link">Read more</a> </div> <div class="pr_card card_nb reverse_colours"> <span class="nb_type_tag">Blog</span> <h4 class="pr_title"> The Demise of “Chevron Deference”: Who Will Fill the Regulatory Gaps? </h4> <div class="pr_intro"> Regardless of one’s views on whether the Supreme Court was correct to overturn Chevron deference, the ruling presents businesses with the opportunity to fill regulatory gaps themselves in a responsible manner that increases transparency and trust, without waiting for court decisions. </div> <a href="https://industryselfregulation.org/blog/details/cisr-blog/2024/06/28/chevron-deference" class="pr_link">Read more</a> </div> <div class="pr_card card_nb reverse_colours"> <span class="nb_type_tag">Blog</span> <h4 class="pr_title"> Soft Law in 2024: Activating Industry Self-Regulation </h4> <div class="pr_intro"> At the Soft Law Summit, business leaders, policymakers, and leading academic thinkers discussed and evaluated scenarios in which co-regulation and soft law can help solve industry-wide challenges, including the governance of AI, healthcare, autonomous vehicles and drones, highly regulated industries, and more. </div> <a href="https://industryselfregulation.org/blog/details/cisr-blog/2024/01/31/soft-law-2024" class="pr_link">Read more</a> </div> </div> </div> <div class="rich-text">   <p> </p> <p> </p> </div> <div class="rich-text"> <a data-sf-ec-immutable="" id="form"></a> </div> </section><section id="MainContent_C042_Col00" class="sf_colsIn bg_HForm" data-sf-element="Section" data-placeholder-label="Section content"><div id="MainContent_C154_Col00" class="sf_colsIn container container_space_vertical" data-sf-element="Container" data-placeholder-label="Container"> <div class="rich-text"> <h2 class="section_header content_under" style="text-align: left"><em>Contact Us</em></h2> </div> <script charset="utf-8" type="text/javascript" src="//js.hsforms.net/forms/v2.js"></script> <script> hbspt.forms.create({ region: "na1", portalId: "8712603", formId: "86a3b92f-d714-41db-b093-1a560633c100" }); </script> </div> <div class="rich-text">   <p> </p> <p> </p> </div> </section> </section> <div class="page-footer"> <footer class="social"> <div class="container"> <div class="social_inner"> <span class="follow">Follow us on social media</span> <nav class="social_nav"> <a href="https://twitter.com/IndustrySelfReg" target="_blank" class="social_nav_link twitter_link"> <span class="sr--only">Twitter</span> </a> <a href="https://www.linkedin.com/company/center-for-industry-self-regulation/" target="_blank" class="social_nav_link linkedin_link"> <span class="sr--only">Linkedin</span> </a> </nav> </div> </div> </footer> <footer class="main_footer"> <div class="container"> <div class="footer_box"> <a href="/" class="footer_logo"> <span class="sr--only">Link to homepage</span> </a> <nav class="footer_nav"> <ul> <li> <a href="/privacy-policy" target="_self">Privacy Policy</a> </li> <li> <a href="/terms-of-use" target="_self">Terms of Use</a> </li> <li> <a href="https://www.paypal.com/donate/?hosted_button_id=MFFK2BXNYQKRW" target="_blank">Donate</a> </li> </ul> </nav> <meta name="google-site-verification" content="7Gu0ltPSFq2SHKRwaFeKRBMEvXhohPhPZyKj-yMQ9ZI"> </div> <span class="copyright"> © 2024, BBB National Programs, Inc. 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