On February 16, the Consumer Financial Protection Bureau proposed a rule defining “larger participants” in the credit reporting and debt collection industries. The Dodd-Frank Act gave CFPB supervisory and examination powers for nonbank financial institutions that are “larger participants,” as … Continue reading
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Real-Time Visibility into Identity Behavior
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Expanding Our Understanding of Risk and Studying New Solutions
About id:a labs
id:a labs reveals important trends in consumer behavior by examining identity use to help organizations better manage both the risk and opportunity of an individual consumer. id:a labs is a multidisciplinary group of mathematicians, computer scientists, economists, financial experts, cognitive scientists and advisors from ID Analytics and other respected institutions.id:a labs conducts research and analysis in the areas of identity fraud, credit risk, marketing and segmentation, authentication and identity proofing. The labs leverages the ID Network™, the nation’s first network of cross-industry consumer behavioral data. Backed by patented technology, world-class analytics, and the ID Network, id:a labs researches, analyzes and reports on developments in consumer behavior, identity- and credit-related issues, the regulatory landscape and innovations in analytics around modeling and machine learning.
id:a labs blog
Joel Winston: CFPB rule on “larger participants” in credit reporting and debt collection industries
Posted in Uncategorized Tagged CFPB, Consumer Financial Protection Bureau, credit scores, Dodd-Frank Leave a commentClarifying the Fair Credit Reporting Act
Our commercial system relies on the flow of consumer information, whether for preventing fraud or making decisions about consumers seeking credit for products or services. The primary law governing these information flows is the Fair Credit Reporting Act (FCRA). But, … Continue reading
Keep the Death Master File alive
There’s been a lot of dead people applying for products and services lately, and that has caused some headaches at the Social Security Administration. The problem is that the SSA regularly publishes the list of who has died, along with … Continue reading
Study: ID Analytics Study Finds Six Million U.S. Parents And Children Inappropriately Sharing Identity Information Nearly Three Million Elderly Parents are Likely Victims of Identity Manipulation at the Hands of Their Adult Children
SAN DIEGO, CA – September 20, 2011 – Nearly six million parents and children in the U.S. are inappropriately sharing identity information according to new data released today from ID Analytics’ ID:A Labs. While the study found that about 500,000 … Continue reading
Posted in RESEARCH, Uncategorized Tagged child ID fraud, child ID theft, ID Analytics, identity fraud, identity theft Leave a commentStudy: More Than 140,000 Children Could Be Victims Of Identity Fraud Each Year New Study from ID Analytics Finds When Children’s Data is Exposed, it is Misused More Frequently
SAN DIEGO, CA – July 12, 2011 – For most people, the thought of their children being victims of identity fraud is even more chilling than being a victim themselves. While children are less at risk for identity fraud than … Continue reading
Posted in Uncategorized Tagged child ID fraud, child ID theft, ID fraud, ID theft, identity fraud, identity theft Leave a commentStudy: 45 million people in the U.S. deliberately manipulate their identities
ID:A Labs Study Finds More Than 16 Percent of U.S. Population Engage in Improper Identity Manipulation, with Houston Being the Worst City An ID:A Labs study released today found an estimated 45 million people in the U.S. have deliberately manipulated their … Continue reading
Posted in RESEARCH Leave a commentFFIEC issues supplement to 2005 guidance on Internet banking security
Today, the Federal Financial Institutions Examinations Council (FFIEC) released its long awaited supplement to its October 2005 guidance on authentication in an Internet banking environment. The Supplement reflects the FFIEC’s conclusion that financial institutions and their customers are facing increasing … Continue reading
Posted in NEWS Leave a commentIt’s here…randomized Social Security numbers
It’s official. As of June 25th, the Social Security Administration (SSA) is now issuing Social Security numbers (SSNs) using a random selection process. Since November 1936 when the first SSN was issued as a personal account number to track income … Continue reading
Posted in NEWS, RESEARCH Leave a comment