Category Archives: Privacy

Hyman & Kovacic Article on Who Should Do What on Privacy

David A. Hyman of Georgetown and William E. Kovacic of GW and , King's College London – The Dickson Poon School of Law have written Implementing Privacy Policy: Who Should Do What?. Here's the abstract: Academic scholarship on privacy has focused on the substantive rules and policies governing the protection of personal data. An extensive literature […]

Will We Ever Learn Who Was Behind the Equifax Breach?

by Jeff Sovern During a recent hearing by the House Financial Services Subcommittee on Financial Institutions and Consumer Credit, Marc Rotenberg, president of the Electronic Information Privacy Center and an adjunct at Georgetown, pointed out that we still didn't know who was behind the Equifax breach.  He noted that people would have been deeply upset […]

Maybe It DOES Matter if the CFPB Looks into the Equifax Breach–and the CFPB Says It Is Doing So

by Jeff Sovern Yesterday I expressed doubt about whether it matters if the CFPB backs off on investigating Equifax. Now I'm wondering if I was wrong to do so.  I hadn't given enough thought to the CFPB's supervisory responsibilities over collection bureaus. Vox has an article which reports: A CFPB spokesperson said in an email to […]

Does the CFPB’s Putting the Equifax Probe on Ice Matter?

by Jeff Sovern The answer to the question is that I'm not sure it does. Brian reported earlier today that Reuters is saying that the CFPB has put its Equifax probe on ice. But Reuters also reports that Equifax says it is under investigation by every state AG, that the FTC is investigating, and that […]

Credit Bureau Industry Still Seeking Caps on Damages After Equifax Breach

by Jeff Sovern Much has been made of the fact that the day the Equifax breach became public, Congress held a hearing on bills that would have limited damages credit bureaus would have to pay for misconduct.  This past Tuesday, the Senate Banking Committee held a hearing titled Consumer Data Security and the Credit Bureaus […]

More Tough Talk in the Senate About the Equifax Data Breach; Will It Lead to Changes in the Law?

by Jeff Sovern Yesterday the Senate Banking Committee held a hearing on consumer data security. The Hill covered it, in a report headlined Senators bear down on credit reporting industry over data security.  Here is an excerpt: “If they lose my data as Equifax did, or if someone submits to them data that is an error […]

The CFPB and Data Breaches, Plus WSJ: Equifax Hack Drives GOP Bill to Overhaul Credit Bureaus

by Jeff Sovern The WSJ article is here.  Excerpt: Rep. Patrick McHenry of North Carolina introduced a bill to require the three major credit firms—Equifax, Experian PLC and TransUnion—to submit to regular federal cybersecurity reviews for the first time. All three companies also would have to phase out their use of Social Security numbers to verify consumers’ […]