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States Want Congress to Act on Identity Theft, Data Security |
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November 1, 2005
The proposed laws would require businesses entrusted with personal financial data to notify consumers if their company's data files are breached and allow consumers to put a credit freeze on their accounts. In the letter, the AGs point out that millions of consumers over the past year have been exposed to potential ID theft because of security breaches suffered by large financial and retail establishments. California adopted the nation's first security breach notification law in 2003, and 21 states enacted similar statutes in the past year. "Personal information" acquired or accessed by an unauthorized person which would trigger notification includes: Social Security number. Driver's license number or government-issued ID number. Unique electronic ID number. Unique biometric data such as fingerprint, voice print or retina image. Home address or telephone number. Mother's maiden name. Month and year of birth. The Attorneys General also called for a strong federal security freeze law that would give consumers the right to place a "fraud alert" on their credit reports for at least 90 days, with extended alerts when an ID theft occurs. Provisions recommended by the Attorneys General include: Making the security freeze available to all consumers at no or low cost. Banning fees for victims of ID theft who have a police report or FTC affidavit, seniors, veterans and persons who receive notice of a security breach. Allowing consumers to selectively or temporarily lift the freeze. Permitting consumers to contact one consumer reporting agency and have the freeze apply to all three major credit agencies. Report Your Experience
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