All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
This presentation by James MANCINI, OECD Competition Division, was made during the discussion “Quality considerations in the zero-price economy” held at the joint meeting of the OECD Competition Committee and the Committee on Consumer Policy on 28 November 2018. More papers and presentations on the topic can be found out at oe.cd/qcz.
This presentation by the UK was made during the discussion “Personalised Pricing in the Digital Era” held at the Joint meeting between the Competition Committee and the Committee on Consumer Policy on 28 November 2018. More papers and presentations on the topic can be found out at oe.cd/ppd.
California Consumer Protection Act - Insight from Sia Partners Daniel Connor
This Insight article describes the requirements of the new law applicable to California residents as well as comparing it to the new European standards in GDPR.
This presentation by Alec J. Burnside, Managing Partner, Brussels office, Cadwalader, Wickersham & Taft LLP was made during the discussion on "Big Data: Bringing competition policy to the digital era" held during the 126th meeting of the OECD Competition Committee on 29 November 2016. More papers and presentations on the topic can be found out at www.oecd.org/daf/competition/big-data-bringing-competition-policy-to-the-digital-era.htm
California’s legislature have born seven new amendments to the California Consumer Privacy Act (CCPA) that were signed into law by Governor Gavin Newsom in October 2019. With CCPA becoming effective January 1, 2020, businesses will need to take these amendments, which replace or augment previous regulatory language, into account in their compliance planning.
Here’s a quick rundown of all seven CCPA Amendments.
This presentation by James MANCINI, OECD Competition Division, was made during the discussion “Quality considerations in the zero-price economy” held at the joint meeting of the OECD Competition Committee and the Committee on Consumer Policy on 28 November 2018. More papers and presentations on the topic can be found out at oe.cd/qcz.
This presentation by the UK was made during the discussion “Personalised Pricing in the Digital Era” held at the Joint meeting between the Competition Committee and the Committee on Consumer Policy on 28 November 2018. More papers and presentations on the topic can be found out at oe.cd/ppd.
California Consumer Protection Act - Insight from Sia Partners Daniel Connor
This Insight article describes the requirements of the new law applicable to California residents as well as comparing it to the new European standards in GDPR.
This presentation by Alec J. Burnside, Managing Partner, Brussels office, Cadwalader, Wickersham & Taft LLP was made during the discussion on "Big Data: Bringing competition policy to the digital era" held during the 126th meeting of the OECD Competition Committee on 29 November 2016. More papers and presentations on the topic can be found out at www.oecd.org/daf/competition/big-data-bringing-competition-policy-to-the-digital-era.htm
California’s legislature have born seven new amendments to the California Consumer Privacy Act (CCPA) that were signed into law by Governor Gavin Newsom in October 2019. With CCPA becoming effective January 1, 2020, businesses will need to take these amendments, which replace or augment previous regulatory language, into account in their compliance planning.
Here’s a quick rundown of all seven CCPA Amendments.
Cybersecurity, Privacy and Data Security from a Business Lawyer's PerspectiveData Con LA
Data Con LA 2020
Description
The presentation includes a discussion of data breach cases and the takeaways from these cases, i.e., that no companies (large, medium or small) are immune from liability. I discuss the potential impact of a data breach on a business and the steps that businesses can take to protect themselves along the timeline of a breach (i.e, before, during and after.) I discuss the FTC's role in the regulation and enforcement of actions related to data security and data breaches, and talk about the commercially reasonable standard that the FTC applies to determine liability, what that standard means from a legal perspective, and how it relates to data security measures and cyber insurance. I present examples of practices that the FTC has found to be commercially unreasonable and discuss what security experts have deemed to be some of the best practices when it comes to data security. I also discuss businesses' liability for their vendor's data breaches, cyber insurance and current and future data security and privacy regulations and legislation including the GDPR and CCPA.
The objectives of the presentation are to:
1) ensure that attendees know that they are exposed to risk in the area of cybersecurity and data breaches;
2) provide them with information to minimize that risk;
3) make them aware of current and expected privacy laws and regulations; and
4) provide pragmatic, specific actionable information to help enable them to comply with their legal obligations.
Speaker
Kathy Winger, Law Offices of Kathy Delaney Winger, Attorney/Owner
Data breach events result in significant losses each year. Our partners at Bonahoom & Bobilya, LLC, created a presentation about understanding the hidden regulatory risks of a data breach so you can keep your company from going out of business.
This presentation has been shared with permission.
Introduction to US Privacy and Data Security Regulations and Requirements (Se...Financial Poise
The United States has no federal data security or privacy law covering all businesses or all U.S. citizens. Instead, federal agencies and individual states have created their own patchwork of laws and regulations which must be evaluated for their application to a business.
This webinar will help you navigate the overlapping and sometimes confusing system of laws and regulations which may impact your business, ranging from emerging state-level privacy legislation to the numerous data breach notification statutes to cybersecurity regulations with extraterritorial effect.
To view the accompanying webinar, go to: https://www.financialpoise.com/financial-poise-webinars/introduction-to-us-privacy-and-data-security-regulations-and-requirements-2021/
The Consumer Financial Protection Bureau (CFPB) recently celebrated its second birthday. During its first two years of existence, the CFPB has shown itself to be an aggressive consumer-protection agency. It is particularly noteworthy because its broad jurisdictional mandate could impact virtually any business that makes a loan to any consumer. Consumer lenders need to be alert to the sweeping implications this agency will have for their future business activities.
Joint ad trade letter to ag becerra re ccpa 1.31.2019Greg Sterling
We strongly support the objectives of the California Consumer Privacy Act (CCPA), but we have notable concerns around the likely negative impact on California consumers and businesses from some of the specific language in the law. We provide this initial comment to provide you with information about the significant importance of a data-driven and ad-supported online ecosystem, industry efforts to protect privacy, and in section III of the letter draw your attention to several areas that can be addressed and improved through the rulemaking process. We will provide more detailed comments over the coming weeks.
Introduction to US Privacy and Data Security: Regulations and RequirementsFinancial Poise
The United States has no federal data security or privacy law covering all businesses or all U.S. citizens. Instead, federal agencies and individual states have created their own patchwork of laws and regulations which must be evaluated for their application to a business.
This webinar will help you navigate the overlapping and sometimes confusing system of laws and regulations which may impact your business, ranging from emerging state-level privacy legislation to the numerous data breach notification statutes to cybersecurity regulations with extraterritorial effect.
Part of the webinar series: CYBERSECURITY & DATA PRIVACY 2022
See more at https://www.financialpoise.com/webinars/
California consumer privacy act and its impact on california employersmosmedicalreview
The CCPA could have major implications for employers, the workers’ comp industry, lawyers, medical record retrieval companies serving lawyers, & insurers.
Federal Benefits Developments - Audits Abound: Are You Ready?CBIZ, Inc.
From Benefits Law Journal, Summer 2014 Issue. This article covers:
- What Triggers a Plan Audit?
- DOL Audits of Health and Pension Plans
- IRS Audits of Pension and Retirement Plans
- HIPAA Privacy and Security Audits
- How Can a Plan Sponsor Best Be Fortified
to Withstand an Audit?
- What Should a Plan Sponsor Do?
This report solely belongs to Symantec. Credit is due to all original authors and no financial gain was made from the report, Simply sharing for educational purposes,
The FBI is the lead federal agency for investigating malicious cyber activity by criminals, nation-state adversaries, and terrorists. To fulfill this mission, the FBI often develops resources to enhance operations and collaboration. One such resource is the FBI’s Internet Crime Complaint Center (IC3) which provides the public with a trustworthy and convenient mechanism for reporting information concerning suspected Internet-facilitated criminal activity. At the end of every year, the IC3 collates information collected into an annual report.
Credit is due to all original authors and no financial gain was made from the blog, Simply sharing an interesting story for educational purposes,
More Related Content
Similar to Disposing of Consumer Report Information
Cybersecurity, Privacy and Data Security from a Business Lawyer's PerspectiveData Con LA
Data Con LA 2020
Description
The presentation includes a discussion of data breach cases and the takeaways from these cases, i.e., that no companies (large, medium or small) are immune from liability. I discuss the potential impact of a data breach on a business and the steps that businesses can take to protect themselves along the timeline of a breach (i.e, before, during and after.) I discuss the FTC's role in the regulation and enforcement of actions related to data security and data breaches, and talk about the commercially reasonable standard that the FTC applies to determine liability, what that standard means from a legal perspective, and how it relates to data security measures and cyber insurance. I present examples of practices that the FTC has found to be commercially unreasonable and discuss what security experts have deemed to be some of the best practices when it comes to data security. I also discuss businesses' liability for their vendor's data breaches, cyber insurance and current and future data security and privacy regulations and legislation including the GDPR and CCPA.
The objectives of the presentation are to:
1) ensure that attendees know that they are exposed to risk in the area of cybersecurity and data breaches;
2) provide them with information to minimize that risk;
3) make them aware of current and expected privacy laws and regulations; and
4) provide pragmatic, specific actionable information to help enable them to comply with their legal obligations.
Speaker
Kathy Winger, Law Offices of Kathy Delaney Winger, Attorney/Owner
Data breach events result in significant losses each year. Our partners at Bonahoom & Bobilya, LLC, created a presentation about understanding the hidden regulatory risks of a data breach so you can keep your company from going out of business.
This presentation has been shared with permission.
Introduction to US Privacy and Data Security Regulations and Requirements (Se...Financial Poise
The United States has no federal data security or privacy law covering all businesses or all U.S. citizens. Instead, federal agencies and individual states have created their own patchwork of laws and regulations which must be evaluated for their application to a business.
This webinar will help you navigate the overlapping and sometimes confusing system of laws and regulations which may impact your business, ranging from emerging state-level privacy legislation to the numerous data breach notification statutes to cybersecurity regulations with extraterritorial effect.
To view the accompanying webinar, go to: https://www.financialpoise.com/financial-poise-webinars/introduction-to-us-privacy-and-data-security-regulations-and-requirements-2021/
The Consumer Financial Protection Bureau (CFPB) recently celebrated its second birthday. During its first two years of existence, the CFPB has shown itself to be an aggressive consumer-protection agency. It is particularly noteworthy because its broad jurisdictional mandate could impact virtually any business that makes a loan to any consumer. Consumer lenders need to be alert to the sweeping implications this agency will have for their future business activities.
Joint ad trade letter to ag becerra re ccpa 1.31.2019Greg Sterling
We strongly support the objectives of the California Consumer Privacy Act (CCPA), but we have notable concerns around the likely negative impact on California consumers and businesses from some of the specific language in the law. We provide this initial comment to provide you with information about the significant importance of a data-driven and ad-supported online ecosystem, industry efforts to protect privacy, and in section III of the letter draw your attention to several areas that can be addressed and improved through the rulemaking process. We will provide more detailed comments over the coming weeks.
Introduction to US Privacy and Data Security: Regulations and RequirementsFinancial Poise
The United States has no federal data security or privacy law covering all businesses or all U.S. citizens. Instead, federal agencies and individual states have created their own patchwork of laws and regulations which must be evaluated for their application to a business.
This webinar will help you navigate the overlapping and sometimes confusing system of laws and regulations which may impact your business, ranging from emerging state-level privacy legislation to the numerous data breach notification statutes to cybersecurity regulations with extraterritorial effect.
Part of the webinar series: CYBERSECURITY & DATA PRIVACY 2022
See more at https://www.financialpoise.com/webinars/
California consumer privacy act and its impact on california employersmosmedicalreview
The CCPA could have major implications for employers, the workers’ comp industry, lawyers, medical record retrieval companies serving lawyers, & insurers.
Federal Benefits Developments - Audits Abound: Are You Ready?CBIZ, Inc.
From Benefits Law Journal, Summer 2014 Issue. This article covers:
- What Triggers a Plan Audit?
- DOL Audits of Health and Pension Plans
- IRS Audits of Pension and Retirement Plans
- HIPAA Privacy and Security Audits
- How Can a Plan Sponsor Best Be Fortified
to Withstand an Audit?
- What Should a Plan Sponsor Do?
Similar to Disposing of Consumer Report Information (20)
This report solely belongs to Symantec. Credit is due to all original authors and no financial gain was made from the report, Simply sharing for educational purposes,
The FBI is the lead federal agency for investigating malicious cyber activity by criminals, nation-state adversaries, and terrorists. To fulfill this mission, the FBI often develops resources to enhance operations and collaboration. One such resource is the FBI’s Internet Crime Complaint Center (IC3) which provides the public with a trustworthy and convenient mechanism for reporting information concerning suspected Internet-facilitated criminal activity. At the end of every year, the IC3 collates information collected into an annual report.
Credit is due to all original authors and no financial gain was made from the blog, Simply sharing an interesting story for educational purposes,
This guide aims to help journalists understand their rights at protests and avoid arrest when reporting on these events. It summarizes the legal landscape and provides strategies and tools to help journalists avoid incidents with police and navigate them successfully should they arise. Credit RCFP.Org
Credit is due to all original authors and no financial gain was made from the blog, Simply sharing an interesting story for educational purposes,
Verizon Publishes 2020 Data Breach Investigation Report (DBIR) With Insights From Thousands of Confirmed Breaches. Verizon's 2020 Data Breach Investigations Report (DBIR) is the most extensive yet, with 81 contributing organizations, and more than 32,000 incidents analyzed (of which 3,950 were confirmed breaches). Credit:Verizon
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
A Resource Guide to theU.S. Foreign Corrupt Practices Act
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
The FTC takes in reports from consumers about problems they experience in the marketplace. The reportsare stored in the Consumer Sentinel Network (Sentinel), a secure online database available only to lawenforcement. While the FTC does not intervene in individual consumer disputes, its law enforcementpartners – whether they are down the street, across the nation, or around the world – can use informationin the database to spot trends, identify questionable business practices and targets, and enforce the law.
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
Below is a list of consumer reporting companies updated for 2019.1 Consumer reporting companies collect information and provide reports to other companies about you. These companies use these reports to inform decisions about providing you with credit, employment, residential rental housing, insurance, and in other decision making situations. The list below includes the three nationwide consumer reporting companies and several other reporting companies that focus on certain market areas and consumer segments. The list gives you tips so you can determine which of these companies may be important to you. It also makes it easier for you to take advantage of your legal rights to (1) obtain the information in your consumer reports, and (2) dispute suspected inaccuracies in your reports with companies as needed.
Advisory to Financial Institutions on Illicit Financial Schemes and Methods R...- Mark - Fullbright
Transnational criminal organizations (TCOs), foreign fentanyl suppliers, and Internet purchasers located in the United States engage in the trafficking of fentanyl, fentanyl analogues, and other synthetic opioids and the subsequent laundering of the proceeds from such illegal sales.
The mission of the IC3 is to provide the public with a reliable and convenient reporting mechanism to submit information to the FBI concerning suspected Internet-facilitated criminal activity, and to develop effective alliances with industry partners. Information is analyzed and disseminated for investigative and intelligence purposes, for law enforcement, and for public awareness.
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
This report is built upon analysis of 41,686 security incidents, of which 2,013 were confirmed data breaches. We will take a look at how results are changing (or not) over the years as well as digging into the overall threat landscape and the actors, actions, and assets that are present in breaches. Windows into the most common pairs of threat actions and affected assets also are provided.
The Federal Trade Commission (FTC or Commission) is an independent U.S. law enforcement agency charged with protecting consumers and enhancing competition across broad sectors of the economy. The FTC’s primary legal authority comes from Section 5 of the Federal Trade Commission Act, which prohibits unfair or deceptive practices in the marketplace. The FTC also has authority to enforce a variety of sector specific laws, including the Truth in Lending Act, the CAN-SPAM Act, the Children’s Online Privacy Protection Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Telemarketing and Consumer Fraud and Abuse Prevention Act. This broad authority allows the Commission
to address a wide array of practices affecting consumers, including those that emerge with the development of new technologies and business models.
Sentinel sorts consumer reports into 29 top categories. Appendices B1 – B3 describe the categories,providing details, and three year figures. To reflect marketplace changes, new categories or subcategories are created or deleted over time.The Consumer Sentinel Network Data Book excludes the National Do Not Call Registry. A separate report about these complaint statistics is available at: https://www.ftc.gov/reports/national-do-not-call-registry-data-book-fiscal-year-2018. The Sentinel Data Book also excludes reports about unsolicited commercial email.Consumers can report as much or as little detail as they wish when they file a report. For the Sentinel Data Book graphics, percentages are based on the total number of Sentinel fraud, identity theft, and other report types in 2018 in which consumers provided the information displayed on each chart.Reports to Sentinel sometimes indicate money was lost, and sometimes indicate no money was lost.Often, people make these reports after they experience something problematic in the marketplace,avoid losing any money, and wish to alert others. Except where otherwise stated, numbers are based on reports both from people who indicated a loss and people who did not.Calculations of dollar amounts lost are based on reports in which consumers indicated they lost between $1 and $999,999. Prior to 2017, reported “amount paid” included values of $0 to $999,999.States and Metropolitan Areas are ranked based on the number of reports per 100,000 population.State rankings are based on 2017 U.S. Census population estimates (Annual Estimates of the Resident Population: April 1, 2010 to July 1, 2017). Metropolitan Area rankings are based on 2016 U.S. Census population estimates (Annual Estimates of the Resident Population: April 1, 2010 to July 1, 2016).This Sentinel Data Book identifies Metropolitan Areas (Metropolitan and Micropolitan Statistical Areas)with a population of 100,000 or more except where otherwise noted. Metropolitan areas are defined by Office of Management and Budget Bulletin No. 15-01, “Revised Delineations of Metropolitan Statistical Areas, Micropolitan Statistical Areas, and Combined Statistical Areas, and Guidance on Uses of the Delineations of These Areas” (July 15, 2015). Numbers change over time. The Sentinel Data Book sorts consumer reports by year, based on the date of the consumer’s report. Some data contributors transfer their complaints to Sentinel after the end of the calendar year, and new data providers often contribute reports from prior years. As a result, the total number of reports for 2018 will likely change during the next few months, and totals from previous years may differ from prior Consumer Sentinel Network Data Books. The most up to date information can be found online at ftc.gov/data
A credit score is a three -digit number that predicts how likely you are to pay back a loan on time, based on information from your credit reports.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only. - Medical identity theft has existed in various forms for decades, but it was in 2006 that World Privacy Forum published the first major report about the crime. The report called for medical data breach notification laws and more research about medical identity theft and its impacts. Since that time, medical data breach notification laws have been enacted, and other progress has been made, particularly in the quality of consumer complaint datasets gathered around identity theft, including medical forms of the crime. This report uses new data arising from consumer medical identity theft complaint reporting and medical data breach reporting to analyze and document the geography of medical identity theft and its growth patterns. The report also discusses new aspects of consumer harm resulting from the crime that the data has brought to light
The FTC takes in reports from consumers about problems they experience in the marketplace. The reports are stored in the Consumer Sentinel Network (Sentinel), a secure online database available only to law enforcement. While the FTC does not intervene in individual consumer disputes, its law enforcement partners – whether they are down the street, across the nation, or around the world – can use information in the database to spot trends, identify questionable business practices and targets, and enforce the law.
Since 1997, Sentinel has collected tens of millions of reports from consumers about fraud, identity theft, and other consumer protection topics. During 2017, Sentinel received nearly 2.7 million consumer reports, which the FTC has sorted into 30 top categories. The 2017 Consumer Sentinel Network Data Book (Sentinel Data Book) has a vibrant new look, and a lot more information about what consumers told us last year. You'll know more about how much money people lost in the aggregate, the median amount they paid, and what frauds were most costly. And you'll know much more about complaints of identity theft, fraud, and other types of problems in each state, too. The Sentinel Data Book is based on unverified reports filed by consumers. The data is not based on a consumer survey. Sentinel has a five-year data retention policy, with reports older than five years purged biannually.
This guide addresses the steps to take once a
breach has occured. For advice on implementing a
plan to protect consumers’ personal information, to
prevent breaches and unauthorized access, check
out the FTC’s Protecting Personal Information: A
Guide for Business and Start with Security: A Guide
for Business.
*Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
Consumer Sentinel Network Data Book for January 2016 - December 2016- Mark - Fullbright
FTC Consumer Sentinel Network Law enforcement's source for consumer complaints.
All information, data, and material contained, presented, or provided on is for educational purposes only.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners.
It is not to be construed or intended as providing legal advice.
Acetabularia Information For Class 9 .docxvaibhavrinwa19
Acetabularia acetabulum is a single-celled green alga that in its vegetative state is morphologically differentiated into a basal rhizoid and an axially elongated stalk, which bears whorls of branching hairs. The single diploid nucleus resides in the rhizoid.
Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
Macroeconomics- Movie Location
This will be used as part of your Personal Professional Portfolio once graded.
Objective:
Prepare a presentation or a paper using research, basic comparative analysis, data organization and application of economic information. You will make an informed assessment of an economic climate outside of the United States to accomplish an entertainment industry objective.
The French Revolution, which began in 1789, was a period of radical social and political upheaval in France. It marked the decline of absolute monarchies, the rise of secular and democratic republics, and the eventual rise of Napoleon Bonaparte. This revolutionary period is crucial in understanding the transition from feudalism to modernity in Europe.
For more information, visit-www.vavaclasses.com
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
Francesca Gottschalk - How can education support child empowerment.pptxEduSkills OECD
Francesca Gottschalk from the OECD’s Centre for Educational Research and Innovation presents at the Ask an Expert Webinar: How can education support child empowerment?
June 3, 2024 Anti-Semitism Letter Sent to MIT President Kornbluth and MIT Cor...Levi Shapiro
Letter from the Congress of the United States regarding Anti-Semitism sent June 3rd to MIT President Sally Kornbluth, MIT Corp Chair, Mark Gorenberg
Dear Dr. Kornbluth and Mr. Gorenberg,
The US House of Representatives is deeply concerned by ongoing and pervasive acts of antisemitic
harassment and intimidation at the Massachusetts Institute of Technology (MIT). Failing to act decisively to ensure a safe learning environment for all students would be a grave dereliction of your responsibilities as President of MIT and Chair of the MIT Corporation.
This Congress will not stand idly by and allow an environment hostile to Jewish students to persist. The House believes that your institution is in violation of Title VI of the Civil Rights Act, and the inability or
unwillingness to rectify this violation through action requires accountability.
Postsecondary education is a unique opportunity for students to learn and have their ideas and beliefs challenged. However, universities receiving hundreds of millions of federal funds annually have denied
students that opportunity and have been hijacked to become venues for the promotion of terrorism, antisemitic harassment and intimidation, unlawful encampments, and in some cases, assaults and riots.
The House of Representatives will not countenance the use of federal funds to indoctrinate students into hateful, antisemitic, anti-American supporters of terrorism. Investigations into campus antisemitism by the Committee on Education and the Workforce and the Committee on Ways and Means have been expanded into a Congress-wide probe across all relevant jurisdictions to address this national crisis. The undersigned Committees will conduct oversight into the use of federal funds at MIT and its learning environment under authorities granted to each Committee.
• The Committee on Education and the Workforce has been investigating your institution since December 7, 2023. The Committee has broad jurisdiction over postsecondary education, including its compliance with Title VI of the Civil Rights Act, campus safety concerns over disruptions to the learning environment, and the awarding of federal student aid under the Higher Education Act.
• The Committee on Oversight and Accountability is investigating the sources of funding and other support flowing to groups espousing pro-Hamas propaganda and engaged in antisemitic harassment and intimidation of students. The Committee on Oversight and Accountability is the principal oversight committee of the US House of Representatives and has broad authority to investigate “any matter” at “any time” under House Rule X.
• The Committee on Ways and Means has been investigating several universities since November 15, 2023, when the Committee held a hearing entitled From Ivory Towers to Dark Corners: Investigating the Nexus Between Antisemitism, Tax-Exempt Universities, and Terror Financing. The Committee followed the hearing with letters to those institutions on January 10, 202
Synthetic Fiber Construction in lab .pptxPavel ( NSTU)
Synthetic fiber production is a fascinating and complex field that blends chemistry, engineering, and environmental science. By understanding these aspects, students can gain a comprehensive view of synthetic fiber production, its impact on society and the environment, and the potential for future innovations. Synthetic fibers play a crucial role in modern society, impacting various aspects of daily life, industry, and the environment. ynthetic fibers are integral to modern life, offering a range of benefits from cost-effectiveness and versatility to innovative applications and performance characteristics. While they pose environmental challenges, ongoing research and development aim to create more sustainable and eco-friendly alternatives. Understanding the importance of synthetic fibers helps in appreciating their role in the economy, industry, and daily life, while also emphasizing the need for sustainable practices and innovation.
A Strategic Approach: GenAI in EducationPeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
Unit 8 - Information and Communication Technology (Paper I).pdf
Disposing of Consumer Report Information
1. FTC Business Alert
Federal Trade Commission
Bureau of Consumer Protection
Office of Consumer & Business Education
Disposing of Consumer Report Information?
New Rule Tells How
In an effort to protect the privacy of consumer information and reduce the risk of fraud and identity
theft, a new federal rule is requiring businesses to take appropriate measures to dispose of sensitive
information derived from consumer reports.
Any business or individual who uses a consumer report for a business purpose is subject to the
requirements of the Disposal Rule. The Rule requires the proper disposal of information in consumer
reports and records to protect against “unauthorized access to or use of the information.” The Federal
Trade Commission, the nation’s consumer protection agency, enforces the Disposal Rule.
According to the FTC, the standard for the proper disposal of information derived from a consumer
report is flexible, and allows the organizations and individuals covered by the Rule to determine what
measures are reasonable based on the sensitivity of the information, the costs and benefits of different
disposal methods, and changes in technology.
Although the Disposal Rule applies to consumer reports and the information derived from consumer
reports, the FTC encourages those who dispose of any records containing a consumer’s personal or
financial information to take similar protective measures.
Who must comply?
The Disposal Rule applies to people and both large and small organizations that use consumer reports.
Among those who must comply with the Rule are:
•
•
•
•
•
•
•
•
•
•
•
•
Consumer reporting companies
Lenders
Insurers
Employers
Landlords
Government agencies
Mortgage brokers
Automobile dealers
Attorneys or private investigators
Debt collectors
Individuals who obtain a credit report on prospective nannies, contractors, or tenants
Entities that maintain information in consumer reports as part of their role as service providers
to other organizations covered by the Rule
What information does the Disposal Rule cover?
The Disposal Rule applies to consumer reports or information derived from consumer reports. The
Fair Credit Reporting Act defines the term consumer report to include information obtained from a
consumer reporting company that is used – or expected to be used – in establishing a consumer’s eligibility
2. for credit, employment, or insurance, among other purposes. Credit reports and credit scores are consumer
reports. So are reports businesses or individuals receive with information relating to employment
background, check writing history, insurance claims, residential or tenant history, or medical history.
What is ‘proper’ disposal ?
The Disposal Rule requires disposal practices that are reasonable and appropriate to prevent the
unauthorized access to – or use of – information in a consumer report. For example, reasonable measures
for disposing of consumer report information could include establishing and complying with policies to:
•
•
•
burn, pulverize, or shred papers containing consumer report information so that the information cannot be read or reconstructed;
destroy or erase electronic files or media containing consumer report information so that the
information cannot be read or reconstructed;
conduct due diligence and hire a document destruction contractor to dispose of material specifically identified as consumer report information consistent with the Rule. Due diligence could
include:
- reviewing an independent audit of a disposal company’s operations and/or its compliance
with the Rule;
- obtaining information about the disposal company from several references;
- requiring that the disposal company be certified by a recognized trade association;
- reviewing and evaluating the disposal company’s information security policies or procedures.
The FTC says that financial institutions that are subject to both the Disposal Rule and the GrammLeach-Bliley (GLB) Safeguards Rule should incorporate practices dealing with the proper disposal of
consumer information into the information security program that the Safeguards Rule requires
(ftc.gov/privacy/privacyinitiatives/safeguards.html).
The Fair and Accurate Credit Transactions Act, which was enacted in 2003, directed the FTC, the
Federal Reserve Board, the Office of the Comptroller of the Currency, the Federal Deposit Insurance
Corporation, the Office of Thrift Supervision, the National Credit Union Administration, and the
Securities and Exchange Commission to adopt comparable and consistent rules regarding the disposal of
sensitive consumer report information. The FTC’s Disposal Rule became effective June 1, 2005. It was
published in the Federal Register on November 24, 2004 [69 Fed. Reg. 68,690], and is available at ftc.
gov/os/2004/11/041118disposalfrn.pdf.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the
marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint
or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-3824357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraudrelated complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and
criminal law enforcement agencies in the U.S. and abroad.
Your Opportunity to Comment The National Small Business Ombudsman and 10 Regional Fairness
Boards collect comments from small businesses about federal compliance and enforcement activities. Each
year, the Ombudsman evaluates the conduct of these activities and rates each agency’s responsiveness to
small businesses. Small businesses can comment to the Ombudsman without fear of reprisal. To comment,
call toll-free 1-888-REGFAIR (1-888-734-3247) or go to www.sba.gov/ombudsman.
FEDERAL TRADE COMMISSION
ftc.gov
1-877-FTC-HELP
FOR THE CONSUMER
June 2005