Category Archives: Uncategorized

Joel Winston: Consumer Privacy Bill of Rights

On February 23, the President Obama announced a new initiative to govern how consumer privacy should be protected in this country. The Administration proposes a comprehensive privacy framework, marking the culmination of years of work by various government agencies, the … Continue reading

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Joel Winston: CFPB rule on “larger participants” in credit reporting and debt collection industries

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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Clarifying 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

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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

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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

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Study: 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

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