Financial Privacy Consumer Prosperity And The Public Good

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Financial Privacy, Consumer Prosperity, and the Public Good

Author : Fred H. Cate
Publisher : Rowman & Littlefield
ISBN 13 : 0815796064
Total Pages : 71 pages
Book Rating : 4.8/5 (157 download)

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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.

Privacy in the Information Age

Author : Fred H. Cate
Publisher : Brookings Institution Press
ISBN 13 : 0815791348
Total Pages : 261 pages
Book Rating : 4.8/5 (157 download)

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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.

Digital Privacy

Author : Alessandro Acquisti
Publisher : CRC Press
ISBN 13 : 1420052187
Total Pages : 494 pages
Book Rating : 4.4/5 (2 download)

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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.

Fair Credit Reporting Act

Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher :
ISBN 13 :
Total Pages : 506 pages
Book Rating : 4.3/5 (91 download)

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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:

The Global Findex Database 2017

Author : Asli Demirguc-Kunt
Publisher : World Bank Publications
ISBN 13 : 1464812683
Total Pages : 148 pages
Book Rating : 4.4/5 (648 download)

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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.

Encyclopedia of Privacy [2 volumes]

Author : Alexander J. Myers
Publisher : Bloomsbury Publishing USA
ISBN 13 : 0313086702
Total Pages : 745 pages
Book Rating : 4.3/5 (13 download)

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Book Synopsis Encyclopedia of Privacy [2 volumes] by : Alexander J. Myers

Download or read book Encyclopedia of Privacy [2 volumes] written by Alexander J. Myers and published by Bloomsbury Publishing USA. This book was released on 2006-11-30 with total page 745 pages. Available in PDF, EPUB and Kindle. Book excerpt: Writing in their famous Harvard Law Review article of 1890, Louis Brandeis and Samuel Warren asserted what many have considered one of the most cherished American values: the right to be let alone. Yet in this post-9/11 world, personal privacy is more threatened than ever. This book provides students and general readers a comprehensive overview of privacy in contemporary America. Included are some 225 alphabetically arranged entries written by more than 100 expert contributors. Entries cover such topics as the USA PATRIOT act, abortion rights, wiretapping, telemarketing, identity theft, DNA databases, Internet and email privacy, and numerous other concerns. Entries cite works for further reading, and the Encyclopedia closes with a bibliography of books, websites, organizations, and films. New threats to privacy have arisen in the face of competing social, political, and economic demands, rapid technological change, and an intrusive and voyeuristic mass media. Citizens are barraged on a daily basis with stories of corporate data mining, government surveillance programs, identity theft, and computer hacking of personal information. As a result, citizens are becoming increasingly concerned about their personal privacy as well as their privacy rights. This encyclopedia, the first of its kind, comprehensively overviews various aspects of privacy throughout U.S. history, including significant legal cases, events, laws, organizations, individuals, technology, and terms. With some 225 alphabetically arranged entries written by more than 100 leading scholars and experts in the field, this inclusive and authoritative work will appeal to those interested in both historical and contemporary notions of privacy in the United States. Readers will learn of the significance of technology in today's society, its helpful and harmful effects on citizens' privacy, and what to expect in the future. Entries cite print and electronic resources, and the Encyclopedia closes with a listing of books, organizations, websites, films, and other sources of information.

The Fair Credit Reporting Act and Issues Presented by Reauthorization of the Expiring Preemption Provisions

Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher :
ISBN 13 :
Total Pages : 718 pages
Book Rating : 4.:/5 (327 download)

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Book Synopsis The Fair Credit Reporting Act and Issues Presented by Reauthorization of the Expiring Preemption Provisions by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs

Download or read book The Fair Credit Reporting Act and Issues Presented by Reauthorization of the Expiring Preemption Provisions written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2004 with total page 718 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Surveillance in America [2 volumes]

Author : Pam Dixon
Publisher : Bloomsbury Publishing USA
ISBN 13 : 1440840555
Total Pages : 803 pages
Book Rating : 4.4/5 (48 download)

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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 803 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.

The Importance of the National Credit Reporting System to Consumers and the U.S. Economy

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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:

Safeguarding privacy in the fight against terrorism report of the Technology and Privacy Advisory Committee

Author :
Publisher : DIANE Publishing
ISBN 13 : 1428982671
Total Pages : 140 pages
Book Rating : 4.4/5 (289 download)

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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:

Encyclopedia of American Civil Liberties

Author : Paul Finkelman
Publisher : Routledge
ISBN 13 : 1351269631
Total Pages : 2570 pages
Book Rating : 4.3/5 (512 download)

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Book Synopsis Encyclopedia of American Civil Liberties by : Paul Finkelman

Download or read book Encyclopedia of American Civil Liberties written by Paul Finkelman and published by Routledge. This book was released on 2021-02-25 with total page 2570 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.

The Federal Reserve System Purposes and Functions

Author : Board of Governors of the Federal Reserve System
Publisher :
ISBN 13 : 9780894991967
Total Pages : 0 pages
Book Rating : 4.9/5 (919 download)

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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.

Building Assets, Building Credit

Author : Nicolas P. Retsinas
Publisher : Brookings Institution Press
ISBN 13 : 0815797842
Total Pages : 413 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis Building Assets, Building Credit by : Nicolas P. Retsinas

Download or read book Building Assets, Building Credit written by Nicolas P. Retsinas and published by Brookings Institution Press. This book was released on 2006-05-25 with total page 413 pages. Available in PDF, EPUB and Kindle. Book excerpt: Poor people spend their money living day to day. How can they accumulate wealth? In the United States, homeownership is often the answer. Homes not only provide shelter but also are assets, and thus a means to create equity. Mortgage credit becomes a crucial factor. More Americans than ever now have some access to credit. However. thanks in large part to the growth of global capital markets and greater use of "credit scores," not all homeowners have benefited equally from the opened spigots. Different terms and conditions mean that some applicants are overpaying for mortgage credit, while some are getting in over their heads. And the door is left wide open for predatory lenders. In this important new volume, accomplished analysts examine the situation, illustrate its ramifications, and recommend steps to improve it. Today, low-income Americans have more access to credit than ever before. The challenge is to increase the chances that homeownership becomes the new pathway to asset-building that everyone hopes it will be.

H.R. 2622, Fair and Accurate Credit Transactions Act of 2003

Author : United States. Congress. House. Committee on Financial Services
Publisher :
ISBN 13 :
Total Pages : 268 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis H.R. 2622, Fair and Accurate Credit Transactions Act of 2003 by : United States. Congress. House. Committee on Financial Services

Download or read book H.R. 2622, Fair and Accurate Credit Transactions Act of 2003 written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2003 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Consumer Credit Fundamentals

Author : S. Finlay
Publisher : Springer
ISBN 13 : 0230232795
Total Pages : 252 pages
Book Rating : 4.2/5 (32 download)

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Book Synopsis Consumer Credit Fundamentals by : S. Finlay

Download or read book Consumer Credit Fundamentals written by S. Finlay and published by Springer. This book was released on 2009-02-02 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: Despite the huge expansion in consumer credit in the last 25 years there are very few texts describing the operation of consumer credit markets. Consumer Credit Fundamentals is the first book to provide a broad cross-disciplinary introduction to the subject. It covers the history of credit, the types of consumer credit available, how credit is granted and managed, the legal framework within which commercial lenders must operate, as well as consumer and ethical issues. A complete, well-rounded and practical introduction to consumer credit.

Market Integration Through Data Protection

Author : Mario Viola de Azevedo Cunha
Publisher : Springer Science & Business Media
ISBN 13 : 940076085X
Total Pages : 236 pages
Book Rating : 4.4/5 (7 download)

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Book Synopsis Market Integration Through Data Protection by : Mario Viola de Azevedo Cunha

Download or read book Market Integration Through Data Protection written by Mario Viola de Azevedo Cunha and published by Springer Science & Business Media. This book was released on 2013-02-26 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the context of the continuous advance of information technologies and biomedicine, and of the creation of economic blocs, this work analyzes the role that data protection plays in the integration of markets. It puts special emphasis on financial and insurance services. Further, it identifies the differences in the data protection systems of EU member states and examines the development of common standards and principles of data protection that could help build a data protection model for Mercosur. Divided into four parts, the book starts out with a discussion of the evolution of the right to privacy, focusing on the last few decades, and taking into account the development of new technologies. The second part discusses the interaction between data protection and specific industries that serve as case studies: insurance, banking and credit reporting. The focus of this part is on generalization and discrimination, adverse selection and the processing of sensitive and genetic data. The third part of the book presents an analysis of the legislation of three EU Member States (France, Italy and UK). Specific elements of analysis that are compared are the concepts of personal and anonymous data, data protection principles, the role of the data protection authorities, the role of the data protection officer, data subjects’ rights, the processing of sensitive data, the processing of genetic data and the experience of the case studies in processing data. The book concludes with the proposal of a model for data protection that could be adopted by Mercosur, taking into account the different levels of data protection that exist in its member states.

Financial Identity Theft

Author : Nicole S. van der Meulen
Publisher : Springer Science & Business Media
ISBN 13 : 9067048143
Total Pages : 310 pages
Book Rating : 4.0/5 (67 download)

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Book Synopsis Financial Identity Theft by : Nicole S. van der Meulen

Download or read book Financial Identity Theft written by Nicole S. van der Meulen and published by Springer Science & Business Media. This book was released on 2011-10-01 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt: The existence of financial identity theft in the United States, and its (gradual) spread to other areas of the world, increases the need to understand how identity theft occurs and how perpetrators of the crime manage to take advantage of developments within contemporary society. This book aims to provide such an understanding through an in-depth comparative analysis which illustrates how states, financial service providers, consumers, and others facilitate the occurrence of financial identity theft in the United States and the Netherlands.