Financial Privacy, Consumer Prosperity, and the Public Good PDF Download
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Author: Fred H. Cate
Publisher: Rowman & Littlefield
ISBN: 0815796064
Category : Business & Economics
Languages : en
Pages : 71
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Book Description
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.
Author: Fred H. Cate
Publisher: Rowman & Littlefield
ISBN: 0815796064
Category : Business & Economics
Languages : en
Pages : 71
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Book Description
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.
Author: Fred H. Cate
Publisher: Brookings Institution Press
ISBN: 0815791348
Category : Computers
Languages : en
Pages : 261
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Book Description
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.
Author: Alessandro Acquisti
Publisher: CRC Press
ISBN: 1420052187
Category : Business & Economics
Languages : en
Pages : 494
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Book Description
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.
![Surveillance in America [2 volumes] PDF](https://books.google.com/books/content/images/frontcover/ZanOEAAAQBAJ?fife=w80-h100)
Author: Pam Dixon
Publisher: Bloomsbury Publishing USA
ISBN:
Category : History
Languages : en
Pages : 728
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Book Description
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.
Author: Board of Governors of the Federal Reserve System
Publisher:
ISBN: 9780894991967
Category : Banks and Banking
Languages : en
Pages : 0
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Book Description
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.
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher:
ISBN:
Category : Consumer credit
Languages : en
Pages : 506
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Book Description
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 224
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Book Description
Author: Paul Finkelman
Publisher: Routledge
ISBN: 1351269909
Category : Political Science
Languages : en
Pages : 1308
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Book Description
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.
Author:
Publisher: DIANE Publishing
ISBN: 1428982671
Category :
Languages : en
Pages : 140
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Book Description
Author: Paul Finkelman
Publisher: Routledge
ISBN: 1351269631
Category : Political Science
Languages : en
Pages : 2570
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Book Description
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.
