Abstract Enacted in October 2023, California’s Delete Act—Senate Bill 362—creates a centralized deletion mechanism for consumers, administered by the California Privacy Protection Agency (CPPA). 1. Introduction and Legislative Overview Senate Bill 362 (the Delete Act) was signed into law on … Continúa leyendo California’s Delete Act (SB 362)
Abstract The Fair and Accurate Credit Transactions Act of 2003 (FACTA) amended the Fair Credit Reporting Act (FCRA) to expand consumer protections against identity theft. Section 216 of FACTA directed the Federal Trade Commission (FTC) and other federal agencies to … Continúa leyendo The FACTA Disposal Rule: Statutory Basis and Regulatory Scope
Abstract The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 represents the most sweeping financial reform in the United States since the Great Depression. Enacted in response to the 2008 financial crisis, the statute sought to restore financial … Continúa leyendo The Dodd-Frank Act: Financial Stability, Consumer Protection, and Regulatory Challenges
Introduction The Gramm–Leach–Bliley Act (GLBA) of 1999 introduced a comprehensive legal framework to regulate how financial institutions manage consumer information. A key component, the Federal Trade Commission’s (FTC) Safeguards Rule, sets forth explicit objectives designed to protect the security, confidentiality, … Continúa leyendo Safeguarding Consumer Information under the Gramm–Leach–Bliley Act (the Safeguards Rule’s Core Objectives)
An investigative consumer report is a type of consumer report that includes information about an individual’s character, general reputation, personal characteristics, or lifestyle, typically gathered through personal interviews with acquaintances, previous employers, landlords, or other knowledgeable sources. These reports are … Continúa leyendo What is an Investigative Consumer Report?
According to the Federal Trade Commission (FTC), “identity theft” affects an estimated nine million Americans annually, resulting in significant financial and reputational harm to individuals and costly losses to businesses. Identity theft occurs when an individual’s personal or financial information … Continúa leyendo Identity Theft and the Red Flags Rule
The document from which this text is drawn is only a summary and should not substitute for the full legal requirements of the Rule. In cases of conflict, the official Privacy Rule provisions take precedence. Purpose The HIPAA Privacy Rule, … Continúa leyendo Overview of the HIPAA Privacy Rule
Data Panopticon 