It’s inevitable.  As the holidays draw to a close, many of us will have received a well-intended gift that we may not like.  Whether it’s a matter of the wrong size or color, a defective product, a duplicate gift, or just something that we just “don’t want”, it may become necessary to return the gift to a retailer.  Retailers have different policies (and states have different laws) concerning the ability to return unwanted merchandise.  But, one thing that troubles many privacy conscious consumers is when retai

September 10, 2014

 

Monica Jackson

Office of the Executive Secretary

Consumer Financial Protection Bureau

1275 First Street, NEa

Washington, DC 20002

 

Re: Request for Information Regarding the Use of Mobile Financial Services by Consumers and Its Potential for Improving the Financial Lives of Economically Vulnerable Consumers

 

Docket No. CFPB-2014-0012

 

Association of Information Technology Professionals
San Diego Chapter
Cyber Liability Event, San Diego, California, July 23, 2014

 

Data Breach Readiness and Follow-up: Being Prepared for the Inevitable

Presentation by Beth Givens, Executive Director, Privacy Rights Clearinghouse


Thank you for the opportunity to participate in this discussion on data breaches this evening.

 

Virtually every American adult uses at least one, and usually several, financial products. These include credit cards, pre-paid cards, bank accounts, credit reporting, mortgages, loans, and money transfers.

 

When problems occur, the consequences can be severe: for example, the inability to obtain credit; difficulty getting a mortgage; and being hounded by debt collectors for someone else’s debt.