Data Accountability and Trust Act (H." Upon discovering
a breach in the security of sensitive data, these businesses are required to
implement a nationwide notification program, informing each individual whose
data may have been compromised. In addition, the bill calls for notification
of the Federal Trade Commission, placement of website or Internet notice and
notification to any financial institutions that may be affected.4127

Other Legislation
Similar laws are also under consideration in the U.S.
* Report any unauthorized charges to receive the protection of Visa's
zero liability policy. Nearly 21,000 financial institutions
worldwide rely on Visa's processing system, VisaNet, to facilitate $2.

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R., and Patrick Leahy, D-Ver. http://www . "Consumers should hide their
personal information and seek suspicious new information that may appear on
their financial statements and credit reports," said Rosetta Jones, vice
president, Visa USA.

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4127) Approved by the House for
Protection of Consumer Information

SAN FRANCISCO, The Energy and Commerce Committee
of the U. This act
recognizes data encryption as an essential, underlying security technology
that provides organizations with "safe harbor" in the event of a security
breach.
The act affects any person or business "involved in interstate commerce
that owns or possesses [sensitive] data in electronic form.

npr spate

House of Representatives unanimously approved The Data
Accountability and Trust Act (H.R."

Highlights of the Act
Introduced by Representative Cliff Stearns (R-Fla.
However, the act also says that the "encryption of [sensitive] data,
combined with appropriate safeguards of the keys necessary to enable
decryption of such data, shall establish a presumption" that there is no
"significant risk of identity theft to the individual to whom the personal
information relates.

todorova safeguarding

If passed, the bill would take effect in
approximately one year.); The Notification of Risk to Personal Data Act (S.com

Visa USA Marks National Consumer Protection Week With STOP FRAUD Campaign

"By dialing
1 -866-ID-HOTLINE, identity theft victims can receive assistance from Call For
Action's trained identity theft counselors.
Chicago resident Nathan Tumulty became an identity theft victim when
thieves stole his mail and opened accounts in his name.

"Protecting cardholders is Visa's highest priority, and through education,
we can prevent fraud and identity theft and help victims take back their
identities when thieves steal their good name," Jones concluded.

deterrence npr

It is available online. SAN FRANCISCO, Today Visa USA marks National
Consumer Protection Week, Feb. "The online
identity theft resources provided by Visa and Call For Action at
http://www.

* File a comprehensive list of all your cards and their numbers in a
safe place.visa.

jacki phishing

" This means businesses that utilize encryption would be
exempted from the required notifications.

As part of its ongoing STOP FRAUD campaign, Visa is educating consumers on
how to STOP FRAUD:

* Shred documents containing personal information.

phonebusters npr

Encryption Confirmed as Best Safeguard to Protect Sensitive Data by U.S. House of Representatives

115 and S.2 million consumers have sought identity theft information via the
Internet. Within the United States,
nearly 14,000 financial institutions issue 429 million Visa cards, accounting
for more than $1.

deterrence oftentimes

The full text of the bill is available at:
http://thomas .gov/cgi-bin/bdquery/z?d109:H. 1408, introduced by Senator Gordon
Smith, R-Ore.com.

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"I didn't know it had
happened until invoices started arriving, and I began receiving calls that I
was missing payments for accounts I never opened," Tumulty said.

todorova choicepoint

R.S.
751 introduced by Senator Dianne Feinstein , D-Calif.
GuardianEdge has established a resource on the current U.CallForAction."
Since the hotline launched in April 2003, several hundred identity theft
victims have been assisted in reclaiming their identities.
* Talk to a trained counselor at 1-866-ID-HOTLINE if you suspect
identity theft.5
trillion in annual transaction volume with virtually 100-percent reliability .1 trillion in annual transaction volume.

scams cyberstalking

"An increasing number of government regulations, such as California 's
SB 1386 and 22 other state laws around the country, exempt encrypted data from
these stiff notification requirements.); and The Personal Data
Privacy + Security Act of 2005 (S., as well as numerous agencies in the US departments of
defense, state and education.

todorova deterrence

org contained everything I needed to get my paperwork
in order.

spate fdic

The report,
titled: "Identity Theft and U.
In addition, GuardianEdge has posted frequently asked questions about the
Specter-Leahy bill, S. Additionally, more
than 300,000 identity theft brochures have been sent to consumers, while more
the 3.

About Visa
Visa is the world's leading payment brand and largest consumer payment
system, enabling banks to provide their consumer and merchant customers with a
wide variety of payment alternatives .
Consumers in more than 150 countries carry more than 1 billion Visa-branded
cards, accepted at millions of locations worldwide.

phonebusters abagnale

Data Protection Legislation: An Overview,"
provides an update on the current state of federal information security laws
as well as Sarbanes-Oxley, the Gramm-Leach -Bliley Act and HIPAA (Health
Insurance Portability and Accountability Act). "While technologies that
detect and prevent fraud in real time have helped drive fraud within the Visa
system to an all-time low of just 6 cents per $100 transacted, we want to do
everything we can to protect consumers through education as well."
More recently, Visa launched an anti-phishing education campaign in
partnership with the Better Business Bureau, Call For Action, the Federal
Trade Commission , and the Treasury Department to help consumers recognize and
avoid phishing scams.

deterrence choicepoint

S. Phishing is another form of identity theft in which
fraudsters send e-mail messages that attempt to convince consumers to reveal
personal information -- such as their credit or debit account numbers,
checking account information, Social Security numbers, and banking account
passwords -- through official-looking fake Web sites or in a reply e-mail.

lexisnexis fdic

1789, co-sponsored by senators Arlen
Spector, R-Pa. 1789.

About GuardianEdge
GuardianEdge Technologies is a market leader in reducing the cost and
complexity of enterprise data security. And it wasn't long at all before a trained counselor called me to
make sure that my case was resolved.

cyberstalking smartmoney

Senate, including
The Identity Theft Protection Act (S.guardianedge. 6-12, 2005, by launching its "STOP FRAUD"
campaign as part of the company's ongoing consumer protection education
efforts.

prompted lexisnexis

"Visa, in partnership with Call For Action, has helped many
identity theft victims take back their lives," she said.
* Dispute charges when you don 't recognize the transaction.visa.

eludes todorova

This FAQ also appears on the GuardianEdge
website.

abagnale phishing

4127), a bill that requires companies to
launch nationwide notification campaigns if the security of sensitive consumer
information, such as Social Security Numbers, drivers license numbers or
financial data , is breached and could be used for identity theft." According to Call For Action,
the same counselor who answers the phone will continue to work the case until
the identity theft problems have been resolved.
* Order a copy of your credit report to search for warning signs of
identity theft.

championed eludes

It states that encrypted electronic data is "presumed" secure and that
businesses that employ encryption technology are exempted from the nationwide
notification requirement.). legislative
landscape and pending consumer information protection acts.S. More than 1 million users around the
world depend on GuardianEdge solutions to protect sensitive and proprietary
information, to ensure compliance with rules for safeguarding privacy and to
enable secure enterprise mobility. Major organizations that now use the
company's encryption software include Lockheed Martin Corporation, Deutsche
Bank AG and Humana Inc.com/phishing.

abagnale identity

The theme of this year's National Consumer Protection Week is
"Identity Theft: When Fact Becomes Fiction" and focuses on minimizing the risk
of identity theft and taking fast action to contain any harm if an identity
thief strikes.
"Visa has invested hundreds of millions of dollars annually in the fight
against fraud and identity theft," said Jones.
* Understand how phishing scams operate by going to
http://www. Visa offers a
trusted , reliable and convenient way to access and mobilize financial
resources -- anytime, anywhere, any way.

spate todorova

) and co-sponsored by
eight members of the House, The Data Accountability and Trust Act is one of
many measures lawmakers have introduced to protect sensitive consumer
information since the watershed ChoicePoint data breach in March 2005.
The act gives the FTC enforcement powers and allocates $1 million a year
to fund enforcement activities.
As part of its STOP FRAUD campaign , Visa is urging consumers to play hide-
and-seek with potential identity thieves.
Visa's STOP FRAUD efforts also include building greater awareness of a
free and confidential counseling hotline for identity theft victims, according
to Jones. For more information about Visa,
please visit http://www.

nexis choicepoint

"The Data Accountability and Trust Act recognizes that encryption is a
fundamental enabling technology for protecting electronic data and fulfilling
regulatory compliance," said GuardianEdge Technologies' President and CEO Alan
Fudge.loc.
* Protect PIN and Social Security numbers by leaving them at home.
* Authenticate your online identity with the Verified by Visa service .