Information sellers and resellers [[electronic resource] /] / Shane C. Leger

• Pubblicazione: New York, : Nova Science Publishers, Inc., 2009
• Edizione: 1st ed.
• Descrizione fisica: 1 online resource (166 p.)
• Soggetto topico: Data protection - Law and legislation - United States; Information services - Government policy - United States; Records - Access control - United States; Financial institutions - Law and legislation - United States
• Altri autori: LegerShane C
• Note generali: Description based upon print version of record.
• Nota di bibliografia: Includes bibliographical references and index.
• Nota di contenuto: Intro -- INFORMATION SELLERSAND RESELLERS -- INFORMATION SELLERSAND RESELLERS -- CONTENTS -- PREFACE -- PERSONAL INFORMATION AGENCYAND RESELLER ADHERENCE TO KEY PRIVACYPRINCIPLES∗ -- WHAT GAO FOUND -- WHY GAO DID THIS STUDY -- WHAT GAO RECOMMENDS -- ABBREVIATIONS -- RESULTS IN BRIEF -- BACKGROUND -- Federal Laws and Guidance Govern Use of Personal Information in FederalAgencies -- Additional Laws Provide Privacy Protections for Specific Types and Uses ofInformation -- The Fair Information Practices Are Widely Agreed to Be Key Principles forPrivacy Protection -- Congressional Interest in the Information Reseller Industry Has BeenHeightened -- USING GOVERNMENTWIDE CONTRACTS,FEDERAL AGENCIES OBTAIN -- Personal Information from Information Resellers for a Variety of Purposes -- Department of Justice Uses Information Resellers Primarily for LawEnforcement and Counterterrorism Purposes -- DHS Uses Information Resellers Primarily for Law Enforcement andCounterterrorism -- SSA Uses Information Resellers Primarily for Fraud Prevention and IdentityVerification -- The Department of State Uses Information Resellers Primarily for PassportFraud Detection and Investigation -- Agencies Contract with Information Resellers Primarily through Use ofGSA's Federal Supply Schedules and the Library of Congress's FEDLINKService -- RESELLERS TAKE STEPS TO PROTECT PRIVACY, BUT THESEMEASURES ARE NOT FULLY CONSISTENT WITH THE FAIRINFORMATION PRACTICES -- Information Resellers Generally Did Not Report Limiting Their DataCollection to Specific Purposes or Notifying Individuals about Them -- Information Resellers Do Not Ensure That Personal Information TheyProvide Is Accurate for Specific Purposes -- Information Resellers' Specification of the Purpose of Data CollectionConsists of Broad Descriptions of Business Categories. ; Information Resellers Generally Limit the Use of Information as Requiredby Law, Rather Than on the Basis of Purposes Originally Specified When theInformation Was Collected -- Information Resellers Reported Taking Steps to Improve SecuritySafeguards -- Information Resellers Generally Informed the Public about Their PrivacyPolicies and Practices -- Information Reseller Policies Generally Allow Individuals Limited Ability toAccess and Correct Their Personal Information -- Information Resellers Report Measures to Ensure Accountability for theCollection and Use of Personal Information -- AGENCIES LACK POLICIES ON USE OF RESELLER DATA, ANDPRACTICES DO NOT CONSISTENTLY REFLECT THE FAIRINFORMATION PRACTICES -- Agency Procedures Reflect the Collection Limitation, Data Quality, UseLimitation, and Security Safeguards Principles -- Limitations in the Applicability of the Privacy Act and Ambiguities in OMBGuidance Contribute to an Uneven Adherence to the Purpose Specification,Openness, and Individual Participation Principles -- Privacy Impact Assessments Could Address Openness, and PurposeSpecification Principles but Are Often Not Conducted -- Agencies Often Did Not Have Practices in Place to Ensure Accountability forProper Handling of Information Reseller Data -- CONCLUSIONS -- MATTER FOR CONGRESSIONAL CONSIDERATION -- RECOMMENDATIONS FOR EXECUTIVE ACTION -- AGENCY COMMENTS AND OUR EVALUATION -- COMMENTS FROM INFORMATION RESELLERS -- LIST OF REQUESTERS -- APPENDIX I -- Objectives, Scope, and Methodology -- APPENDIX II -- Federal Laws Affecting Information Resellers -- Gramm-Leach-Bliley Act -- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT -- Fair Credit Reporting Act -- Fair and Accurate Credit Transactions Act -- APPENDIX III -- APPENDIX IV -- APPENDIX V -- APPENDIX VI -- REFERENCE. ; PERSONAL INFORMATION: KEY FEDERALPRIVACY LAWS DO NOT REQUIREINFORMATION RESELLERS TO SAFEGUARD ALLSENSITIVE DATA∗ -- WHAT GAO FOUND -- WHY GAO DID THIS STUDY -- WHAT GAO RECOMMENDS -- ABBREVIATIONS -- RESULTS IN BRIEF -- BACKGROUND -- FINANCIAL INSTITUTIONS USE INFORMATION RESELLERSFOR ELIGIBILITY DETERMINATIONS, FRAUD PREVENTION,PATRIOT ACT COMPLIANCE, AND MARKETING -- Consumer Reports Sold by Credit Bureaus and Other CRAs Are Used toMake Credit and Insurance Eligibility Decisions -- Financial Institutions Use Information Resellers to Comply with thePATRIOT Act, Prevent Fraud, Mitigate Risk, and Locate Individuals -- Some Financial Institutions Use Information Resellers for Marketing -- FEDERAL PRIVACY AND INFORMATION SECURITY LAWSAPPLY TO MANY INFORMATION RESELLER PRODUCTS,DEPENDING ON THEIR USE AND SOURCE -- Several Federal Privacy and Security Laws Apply to Personal Data Held byInformation Resellers -- FCRA Applies Only to Consumer Information Used to Determine Eligibility -- FCRA Provides Access, Correction, and Opt-Out Rights for ConsumerReports -- GLBA Applies to Information Resellers That Are Financial Institutions orReceive Information from Financial Institutions -- No Federal Statute Requires Notification of Data Breaches -- FTC HAS PRIMARY RESPONSIBILITY FOR ENFORCINGINFORMATION RESELLERS' COMPLIANCE WITH PRIVACYAND INFORMATION SECURITY LAWS -- FTC Has Primary Federal Enforcement Authority over InformationResellers -- FTC Has Investigated and Initiated Formal Enforcement Actions againstInformation Resellers for FCRA and FTC Act Violations -- FTC Cannot Levy Civil Penalties for GLBA Information Privacy andSecurity Violations -- AGENCIES DIFFER IN THEIR OVERSIGHTOF THE PRIVACY AND SECURITY OF PERSONAL INFORMATIONAT FINANCIAL INSTITUTIONS. ; Financial Institutions and Their Regulators Said They Do Not Distinguishbetween Data from Information Resellers and Other Sources -- Federal Banking Agencies Provide Guidance and Examine RegulatedBanking Organizations for GLBA and FCRA Compliance -- Securities Regulators Oversee GLBA Compliance of Securities Firms -- State Insurance Regulators Require Insurers to Comply with InformationPrivacy and Security Provisions, but Enforcement May Be Limited -- FTC Enforces GLBA and FCRA Compliance of Financial Institutions withinIts Jurisdiction -- NCUA, Securities, and Insurance Regulators Do Not Have Full Authority toExamine Third-Party Vendors, Including Information Resellers -- CONCLUSIONS -- MATTERS FOR CONGRESSIONAL CONSIDERATION -- RECOMMENDATION FOR EXECUTIVE ACTION -- AGENCY COMMENTS -- APPENDIX I: SCOPE AND METHODOLOGY -- Sample Insurance Claims History Report -- Sample Deposit Account History Report -- Sample Identity Verification and OFAC Screening Report -- SAMPLE FRAUD INVESTIGATION REPORT -- APPENDIX III:COMMENTS FROM THE FEDERAL TRADE COMMISSION -- REFERENCE -- SOCIAL SECURITY NUMBERS:INTERNET RESELLERS PROVIDE FEW FULL SSNS,BUT CONGRESS SHOULD CONSIDER ENACTINGSTANDARDS FOR TRUNCATING SSNS∗ -- WHAT GAO FOUND -- WHY GAO DID THIS STUDY -- WHAT GAO RECOMMENDS -- ABBREVIATIONS -- RESULTS IN BRIEF -- BACKGROUND -- INTERNET RESELLERS'WEB SITES SHARED SIMILARCHARACTERISTICS -- Internet Resellers Offered to Sell a Variety of Information in Various Ways -- Three-Quarters of Internet Resellers Identified Their Sources of Information -- MOST ATTEMPTS TO PURCHASE SSNS FAILED -- APPLICABILITY OF FEDERAL PRIVACY LAWS TO INTERNETRESELLERS CANNOT BE DETERMINED -- CONCLUSIONS -- MATTER FOR CONGRESSIONAL CONSIDERATION -- AGENCY COMMENTS AND OUR EVALUATION -- APPENDIX I: SCOPE AND METHODOLOGY -- APPENDIX II: COMMENTS FROM THE SOCIAL SECURITYADMINISTRATION. ; INDEX.
• Titolo autorizzato: Information sellers and resellers
• ISBN: 1-61470-093-1
• Formato: Materiale a stampa
• Livello bibliografico: Monografia
• Lingua di pubblicazione: Inglese
• Record Nr.: 9910824546603321
• Lo trovi qui: Univ. Federico II
• Serie: Financial institutions and services.