Enhancing Data Security: The Regulators' Perspective : Hearing Before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Ninth Congress, First Session, May 18, 2005, Volume 4U.S. Government Printing Office, 2006 - 128 pages |
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Page 10
... alert on their credit report . They can obtain from creditors the business records of the fraudulent accounts that were opened in their name . And that is a very important new right for consumers . They can get multiple free credit ...
... alert on their credit report . They can obtain from creditors the business records of the fraudulent accounts that were opened in their name . And that is a very important new right for consumers . They can get multiple free credit ...
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... alert the regulators , the industry , and potential victims about the fraud . This notice occurs through website postings , and notices to staff , state supervisory authorities , and credit unions . These notifications are picked up by ...
... alert the regulators , the industry , and potential victims about the fraud . This notice occurs through website postings , and notices to staff , state supervisory authorities , and credit unions . These notifications are picked up by ...
Page 48
... Alert " with each credit reporting agency . The credit union sent members additional information to advise them to remain vigilant over the next 12 to 24 months to monitor their credit report and account activity and , if they desired ...
... Alert " with each credit reporting agency . The credit union sent members additional information to advise them to remain vigilant over the next 12 to 24 months to monitor their credit report and account activity and , if they desired ...
Page 50
... compliance with a contract with another party engaged in the business of record destruction to properly dispose of the consumer information . FACTA Regulatory Alert and Interagency Legal Opinion Letter NCUA issued 6 50.
... compliance with a contract with another party engaged in the business of record destruction to properly dispose of the consumer information . FACTA Regulatory Alert and Interagency Legal Opinion Letter NCUA issued 6 50.
Page 51
... Alert and Interagency Legal Opinion Letter NCUA issued a Regulatory Alert in January 2005 , 05 - RA - 03 , Fair and Accurate Credit Transactions Act of 2003 , that lists and discusses key provisions of FACTA . A copy of Regulatory Alert ...
... Alert and Interagency Legal Opinion Letter NCUA issued a Regulatory Alert in January 2005 , 05 - RA - 03 , Fair and Accurate Credit Transactions Act of 2003 , that lists and discusses key provisions of FACTA . A copy of Regulatory Alert ...
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Expressions et termes fréquents
Accurate Credit Transactions Chairman BACHUS ChoicePoint companies Congress CONSUMER CREDIT consumer information Consumer Protection consumer reporting agency Consumers Union credit card Credit Reporting Act credit reports Credit Transactions Act credit union criminal customer information data brokers data security disclosure domain names encryption ENHANCING DATA SECURITY ensure entities examination example FACT Act FACTA Fair and Accurate Fair Credit Reporting FCRA FDIC Federal Trade Commission Fenner FFIEC files financial institutions Financial Services fraud alert fraudulent GLBA Gramm-Leach-Bliley Gramm-Leach-Bliley Act guidance guidelines ID theft identify identity theft identity theft victims implement industry information brokers information security INSTITUTIONS AND CONSUMER interagency investigation issue law enforcement legislation member information million misuse NCUA NCUA's notice notify outsourcing PARNES permissible purpose personal information pharming attacks phishing requirements risk Safeguards Rule scam security breaches sensitive information service providers Social Security numbers SSNs Thank THOMPSON unauthorized access victims of identity
Fréquemment cités
Page 117 - Welfare, 1973). (1) There must be no personal data record-keeping systems whose very existence is secret. (2) There must be a way for an individual to find out what information about him is in a record and how it is used. (3) There must be a way for an individual to prevent information about him that was obtained for one purpose from being used or made available for other purposes without his consent.
Page 117 - Any organization creating, maintaining, using, or disseminating records of identifiable personal data must assure the reliability of the data for...
Page 117 - York to provide consumers with information, education and counsel about goods, services, health, and personal finance; and to initiate and cooperate with individual and group efforts to maintain and enhance the quality of life for consumers. Consumers Union's income is solely derived from the sale of Consumer Reports, its other publications and from noncommercial contributions, grants and fees. In addition to reports on Consumers Union's own...
Page 64 - The views expressed in this statement represent the views of the Commission. My responses to any questions you may have are my own and do not necessarily reflect the views of the Commission or any individual Commissioner.
Page 75 - Data brokers may receive some of their information from CRAs, particularly in the form of identifying information (sometimes referred to as "credit header" data) that includes name, address, and Social Security number.
Page 1 - US HOUSE OF REPRESENTATIVES, SUBCOMMITTEE ON FINANCIAL INSTITUTIONS AND CONSUMER CREDIT, COMMITTEE ON FINANCIAL SERVICES, Washington, DC The subcommittee met, pursuant to call, at 10:04 am, in Room 2128, Rayburn House Office Building, Hon.
Page 70 - consumer reporting agency" means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
Page 79 - A covered entity must have in place appropriate administrative, technical, and physical safeguards to protect the privacy of protected health information.
Page 48 - Access restrictions at physical locations containing customer information, such as buildings, computer facilities, and records storage facilities to permit access only to authorized individuals; c. Encryption of electronic customer information, including while in transit or in storage on networks or systems to which unauthorized individuals may have access; d. Procedures designed to ensure that customer information system modifications are consistent with the bank's information security program;...
Page 79 - IV. THE FEDERAL TRADE COMMISSION'S ROLE IN COMBATING IDENTITY THEFT In addition to its regulatory and enforcement efforts, the Commission assists consumers with advice on the steps they can take to minimize their risk of becoming identity theft victims, supports criminal law enforcement efforts, and provides resources for companies that have experienced data breaches. The 1998 Identity Theft Assumption and Deterrence Act ("the Identity Theft Act" or "the Act") provides the FTC with a specific role...