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American consumers have become accustomed to obtaining instant credit. The process requires that credit bureaus have easy access to sensitive financial information about individuals, compiled largely without their consent. This report examines the debate surrounding the role of the states in regulating these credit bureaus, especially in light of expiring amendments to the Fair Credit Reporting Act, which have allowed bureaus to continue these practices, exempting them from state laws that might obstruct them. How this controversy is resolved will have an important bearing on credit markets and financial privacy in the future. The authors make the case for continued federal preemption of the states in this area. Without it, the authors argue, the consumer credit system has developed in the United States would be put in jeopardy.
Book Synopsis Financial Privacy, Consumer Prosperity, and the Public Good by : Fred H. Cate
Download or read book Financial Privacy, Consumer Prosperity, and the Public Good written by Fred H. Cate and published by Rowman & Littlefield. This book was released on 2003-07-22 with total page 71 pages. Available in PDF, EPUB and Kindle. Book excerpt: American consumers have become accustomed to obtaining instant credit. The process requires that credit bureaus have easy access to sensitive financial information about individuals, compiled largely without their consent. This report examines the debate surrounding the role of the states in regulating these credit bureaus, especially in light of expiring amendments to the Fair Credit Reporting Act, which have allowed bureaus to continue these practices, exempting them from state laws that might obstruct them. How this controversy is resolved will have an important bearing on credit markets and financial privacy in the future. The authors make the case for continued federal preemption of the states in this area. Without it, the authors argue, the consumer credit system has developed in the United States would be put in jeopardy.
Electronic information networks offer extraordinary advantages to business, government, and individuals in terms of power, capacity, speed, accessibility, and cost. But these same capabilities present substantial privacy issues. With an unprecedented amount of data available in digital format--which is easier and less expensive to access, manipulate, and store--others know more about you than ever before. Consider this: data routinely collected about you includes your health, credit, marital, educational, and employment histories; the times and telephone numbers of every call you make and receive; the magazines you subscribe to and the books your borrow from the library; your cash withdrawals; your purchases by credit card or check; your electronic mail and telephone messages; where you go on the World Wide Web. The ramifications of such a readily accessible storehouse of information are astonishing. Governments have responded to these new challenges to personal privacy in a wide variety of ways. At one extreme, the European Union in 1995 enacted sweeping regulation to protect personal information; at the other extreme, privacy law in the United States and many other countries is fragmented, inconsistent, and offers little protection for privacy on the internet and other electronic networks. For all the passion that surrounds discussions about privacy, and the recent attention devoted to electronic privacy, surprisingly little consensus exists about what privacy means, what values are served--or compromised--by extending further legal protection to privacy, what values are affected by existing and proposed measures designed to protect privacy, and what principles should undergird a sensitive balancing of those values. In this book, Fred Cate addresses these critical issues in the context of computerized information. He provides an overview of the technologies that are provoking the current privacy debate and discusses the range of legal issues that these technologies raise. He examines the central elements that make up the definition of privacy and the values served, and liabilities incurred, by each of those components. Separate chapters address the regulation of privacy in Europe and the United States. The final chapter identifies four sets of principles for protecting information privacy. The principles recognize the significance of individual and collective nongovernmental action, the limited role for privacy laws and government enforcement of those laws, and the ultimate goal of establishing multinational principles for protecting information privacy. Privacy in the Information Age involves questions that cut across the fields of business, communications, economics, and law. Cate examines the debate in provocative, jargon-free, detail.
Book Synopsis Privacy in the Information Age by : Fred H. Cate
Download or read book Privacy in the Information Age written by Fred H. Cate and published by Brookings Institution Press. This book was released on 2000-07-26 with total page 261 pages. Available in PDF, EPUB and Kindle. Book excerpt: Electronic information networks offer extraordinary advantages to business, government, and individuals in terms of power, capacity, speed, accessibility, and cost. But these same capabilities present substantial privacy issues. With an unprecedented amount of data available in digital format--which is easier and less expensive to access, manipulate, and store--others know more about you than ever before. Consider this: data routinely collected about you includes your health, credit, marital, educational, and employment histories; the times and telephone numbers of every call you make and receive; the magazines you subscribe to and the books your borrow from the library; your cash withdrawals; your purchases by credit card or check; your electronic mail and telephone messages; where you go on the World Wide Web. The ramifications of such a readily accessible storehouse of information are astonishing. Governments have responded to these new challenges to personal privacy in a wide variety of ways. At one extreme, the European Union in 1995 enacted sweeping regulation to protect personal information; at the other extreme, privacy law in the United States and many other countries is fragmented, inconsistent, and offers little protection for privacy on the internet and other electronic networks. For all the passion that surrounds discussions about privacy, and the recent attention devoted to electronic privacy, surprisingly little consensus exists about what privacy means, what values are served--or compromised--by extending further legal protection to privacy, what values are affected by existing and proposed measures designed to protect privacy, and what principles should undergird a sensitive balancing of those values. In this book, Fred Cate addresses these critical issues in the context of computerized information. He provides an overview of the technologies that are provoking the current privacy debate and discusses the range of legal issues that these technologies raise. He examines the central elements that make up the definition of privacy and the values served, and liabilities incurred, by each of those components. Separate chapters address the regulation of privacy in Europe and the United States. The final chapter identifies four sets of principles for protecting information privacy. The principles recognize the significance of individual and collective nongovernmental action, the limited role for privacy laws and government enforcement of those laws, and the ultimate goal of establishing multinational principles for protecting information privacy. Privacy in the Information Age involves questions that cut across the fields of business, communications, economics, and law. Cate examines the debate in provocative, jargon-free, detail.
In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Book Synopsis The Global Findex Database 2017 by : Asli Demirguc-Kunt
Download or read book The Global Findex Database 2017 written by Asli Demirguc-Kunt and published by World Bank Publications. This book was released on 2018-04-19 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
During recent years, a continuously increasing amount of personal data has been made available through different websites around the world. Although the availability of personal information has created several advantages, it can be easily misused and may lead to violations of privacy. With growing interest in this area, Digital Privacy: Theory, Technologies, and Practices addresses this timely issue, providing information on state-of-the-art technologies, best practices, and research results, as well as legal, regulatory, and ethical issues. This book features contributions from experts in academia, industry, and government.
Book Synopsis Digital Privacy by : Alessandro Acquisti
Download or read book Digital Privacy written by Alessandro Acquisti and published by CRC Press. This book was released on 2007-12-22 with total page 494 pages. Available in PDF, EPUB and Kindle. Book excerpt: During recent years, a continuously increasing amount of personal data has been made available through different websites around the world. Although the availability of personal information has created several advantages, it can be easily misused and may lead to violations of privacy. With growing interest in this area, Digital Privacy: Theory, Technologies, and Practices addresses this timely issue, providing information on state-of-the-art technologies, best practices, and research results, as well as legal, regulatory, and ethical issues. This book features contributions from experts in academia, industry, and government.
An excellent resource for high school and college students, this book surveys the size, scope, and nature of government surveillance in 21st-century America, with a particular focus on technology-enabled surveillance and its impact on privacy and other civil liberties. The advent of online, cellular, and other digital networks has enabled today's government surveillance operations to become more extensive and far more thorough than any other programs before them. Where does the line between taking actions to help ensure the safety of the general population against terrorism and other threats and the privacy of individual citizens lie? Is there any such clearly defined line anymore? This two-volume set examines the key issues surrounding government surveillance and privacy in 21st-century America, covering topics ranging from the surveillance conducted during colonial days, which inspired the Fourth Amendment, to the new high-tech developments that pose unprecedented potential challenges to the privacy of millions of Americans. Readers will gain insight into the complex challenge of interpreting the Fourth Amendment protections against warrantless, unreasonable government searches and understand how changes in the methods by which the U.S. government carries out counterterrorism and law enforcement activities influence its relationship with American citizens and businesses.
Book Synopsis Surveillance in America [2 volumes] by : Pam Dixon
Download or read book Surveillance in America [2 volumes] written by Pam Dixon and published by Bloomsbury Publishing USA. This book was released on 2016-02-12 with total page 728 pages. Available in PDF, EPUB and Kindle. Book excerpt: An excellent resource for high school and college students, this book surveys the size, scope, and nature of government surveillance in 21st-century America, with a particular focus on technology-enabled surveillance and its impact on privacy and other civil liberties. The advent of online, cellular, and other digital networks has enabled today's government surveillance operations to become more extensive and far more thorough than any other programs before them. Where does the line between taking actions to help ensure the safety of the general population against terrorism and other threats and the privacy of individual citizens lie? Is there any such clearly defined line anymore? This two-volume set examines the key issues surrounding government surveillance and privacy in 21st-century America, covering topics ranging from the surveillance conducted during colonial days, which inspired the Fourth Amendment, to the new high-tech developments that pose unprecedented potential challenges to the privacy of millions of Americans. Readers will gain insight into the complex challenge of interpreting the Fourth Amendment protections against warrantless, unreasonable government searches and understand how changes in the methods by which the U.S. government carries out counterterrorism and law enforcement activities influence its relationship with American citizens and businesses.
Book Synopsis Fair Credit Reporting Act by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book Fair Credit Reporting Act written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2003 with total page 506 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Provides an in-depth overview of the Federal Reserve System, including information about monetary policy and the economy, the Federal Reserve in the international sphere, supervision and regulation, consumer and community affairs and services offered by Reserve Banks. Contains several appendixes, including a brief explanation of Federal Reserve regulations, a glossary of terms, and a list of additional publications.
Book Synopsis The Federal Reserve System Purposes and Functions by : Board of Governors of the Federal Reserve System
Download or read book The Federal Reserve System Purposes and Functions written by Board of Governors of the Federal Reserve System and published by . This book was released on 2002 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides an in-depth overview of the Federal Reserve System, including information about monetary policy and the economy, the Federal Reserve in the international sphere, supervision and regulation, consumer and community affairs and services offered by Reserve Banks. Contains several appendixes, including a brief explanation of Federal Reserve regulations, a glossary of terms, and a list of additional publications.
Book Synopsis The Importance of the National Credit Reporting System to Consumers and the U.S. Economy by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book The Importance of the National Credit Reporting System to Consumers and the U.S. Economy written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2003 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Originally published in 2006, the Encyclopedia of American Civil Liberties, is a comprehensive 3 volume set covering a broad range of topics in the subject of American Civil Liberties. The book covers the topic from numerous different areas including freedom of speech, press, religion, assembly and petition. The Encyclopedia also addresses areas such as the Constitution, the Bill of Rights, slavery, censorship, crime and war. The book’s multidisciplinary approach will make it an ideal library reference resource for lawyers, scholars and students.
Book Synopsis Routledge Revivals: Encyclopedia of American Civil Liberties (2006) by : Paul Finkelman
Download or read book Routledge Revivals: Encyclopedia of American Civil Liberties (2006) written by Paul Finkelman and published by Routledge. This book was released on 2018-02-05 with total page 1421 pages. Available in PDF, EPUB and Kindle. Book excerpt: Originally published in 2006, the Encyclopedia of American Civil Liberties, is a comprehensive 3 volume set covering a broad range of topics in the subject of American Civil Liberties. The book covers the topic from numerous different areas including freedom of speech, press, religion, assembly and petition. The Encyclopedia also addresses areas such as the Constitution, the Bill of Rights, slavery, censorship, crime and war. The book’s multidisciplinary approach will make it an ideal library reference resource for lawyers, scholars and students.
Book Synopsis Safeguarding privacy in the fight against terrorism report of the Technology and Privacy Advisory Committee by :
Download or read book Safeguarding privacy in the fight against terrorism report of the Technology and Privacy Advisory Committee written by and published by DIANE Publishing. This book was released on with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt: