Identity theft remains a pernicious threat to consumers. While the federal government and private sector have done much to address this issue, it is important that legislators and regulators remain vigilant to protect consumers from this ever-evolving fraud.
A summarized version of the 60 page Rule broken down by Kirk J. Nahra, a partner with Wiley Rein & Fielding LLP in Washington, D.C. He specializes in privacy and information security litigation and counseling for companies facing compliance obligations in these areas. He is the Chair of the firm’s Privacy Practice. He serves on the Board of Directors of the International Association of Privacy Professionals, and edits IAPP’s monthly newsletter, Privacy Officers Advisor. He is a Certified Information Privacy Professional, and is the Chair of the ABA Health Law Section’s Interest Group on eHealth, Privacy & Security.
Rapid7 Report: Data Breaches in the Government SectorRapid7
Rapid7, the leading provider of security risk intelligence solutions, analyzed data collected and categorized by the Privacy Rights Clearinghouse Chronology of Data Breaches. Using this data, the company outlined patterns for government data breaches, including year, month, location and breach type patterns. This information and tips for protecting infrastructure can ensure that government IT environments stay protected against malicious attacks and unintended disclosure.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
A summarized version of the 60 page Rule broken down by Kirk J. Nahra, a partner with Wiley Rein & Fielding LLP in Washington, D.C. He specializes in privacy and information security litigation and counseling for companies facing compliance obligations in these areas. He is the Chair of the firm’s Privacy Practice. He serves on the Board of Directors of the International Association of Privacy Professionals, and edits IAPP’s monthly newsletter, Privacy Officers Advisor. He is a Certified Information Privacy Professional, and is the Chair of the ABA Health Law Section’s Interest Group on eHealth, Privacy & Security.
Rapid7 Report: Data Breaches in the Government SectorRapid7
Rapid7, the leading provider of security risk intelligence solutions, analyzed data collected and categorized by the Privacy Rights Clearinghouse Chronology of Data Breaches. Using this data, the company outlined patterns for government data breaches, including year, month, location and breach type patterns. This information and tips for protecting infrastructure can ensure that government IT environments stay protected against malicious attacks and unintended disclosure.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
iStart feature: Protect and serve how safe is your personal data?Hayden McCall
The revelations of the Heartbleed vulnerability in April and the recent implementation of Australia’s new privacy regime in March have put data breaches firmly back in the limelight. Clare Coulson finds out more...
This white paper discusses the various cyber threats targeting healthcare organizations and the challenges security professionals face in securing access to protected health information.
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,
Rarely does a week go by without the announcement of another major data breach that has put thousands, or even millions of consumers at risk of fraud. From malicious use of compromised credit and debit cards, to increased identity theft risk to drained bank accounts, the threats are real and impact millions of consumers. . A key challenge for the incoming 114th Congress will be to implement long-needed reforms that will protect American consumers personal data from malicious use by criminal hackers.
GSM Based Wireless Load-Shedding Management System for Non Emergency ConditionEditor IJMTER
In that papers, most of us current a new cost-effective wireless allocated fill shedding
technique for non-emergency scenarios. Throughout electric power transformer destinations
wherever SCADA technique can't be utilized, your suggested remedy offers a realistic choice that
will includes the usage of microcontrollers as well as recent GSM commercial infrastructure in order
to deliver first alert SMS communications in order to customers counseling them to proactively
lessen their particular electric power usage prior to technique capacity can be attained as well as stepby-step electric power shutdown takes place. Some sort of story verbal exchanges process as well as
message arranged are invented to deal with your messaging between the transformer web sites, the
spot that the microcontrollers are situated as well as the spot that the sizes occur, as well as the key
control web page the spot that the repository server can be organized. Furthermore, the machine
posts alert communications towards the end-users mobile products which have been utilized since
verbal exchanges terminals. The system has become put in place as well as tried by using distinct
experimental effects.
Hardware prototype of smart home energy management systemeSAT Journals
Abstract The development of ‘demand-side load management’ is the outcome of the smart grid initiative. Due to the significant amount of loads in the residential sector, home energy management has received increasing interest. In the country like India, we are lagging behind, in the power sector as the demand is much more than the supply. Moreover, there is not a single initiative, which has been taken for the deployment of smart suppliers and smart users. Here, I propose a hardware design of smart home energy management system (SHEMS). With the help of this proposed design, it is possible to have a real-time, price-responsive control strategy for domestic loads such as electrical water heater (EWH), illumination (Lights), air conditioning (Fan), dryer etc. Consumers may interact with suppliers or load serving entities (LSEs) to facilitate the load management at the supplier side. This system is designed with sensors to detect human activities and the behavior is predicted by applying a machine learning algorithm in order to help consumers reduce total payment on electricity. Finally, for the verification of the hardware system, simulation and experiment results will be checked based on an actual SHEMS prototype. Keywords: Demand side load management, Load Serving Entity (LSE), Smart Home Energy Management System (SHEMS), Smart Grid.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
iStart feature: Protect and serve how safe is your personal data?Hayden McCall
The revelations of the Heartbleed vulnerability in April and the recent implementation of Australia’s new privacy regime in March have put data breaches firmly back in the limelight. Clare Coulson finds out more...
This white paper discusses the various cyber threats targeting healthcare organizations and the challenges security professionals face in securing access to protected health information.
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,
Rarely does a week go by without the announcement of another major data breach that has put thousands, or even millions of consumers at risk of fraud. From malicious use of compromised credit and debit cards, to increased identity theft risk to drained bank accounts, the threats are real and impact millions of consumers. . A key challenge for the incoming 114th Congress will be to implement long-needed reforms that will protect American consumers personal data from malicious use by criminal hackers.
GSM Based Wireless Load-Shedding Management System for Non Emergency ConditionEditor IJMTER
In that papers, most of us current a new cost-effective wireless allocated fill shedding
technique for non-emergency scenarios. Throughout electric power transformer destinations
wherever SCADA technique can't be utilized, your suggested remedy offers a realistic choice that
will includes the usage of microcontrollers as well as recent GSM commercial infrastructure in order
to deliver first alert SMS communications in order to customers counseling them to proactively
lessen their particular electric power usage prior to technique capacity can be attained as well as stepby-step electric power shutdown takes place. Some sort of story verbal exchanges process as well as
message arranged are invented to deal with your messaging between the transformer web sites, the
spot that the microcontrollers are situated as well as the spot that the sizes occur, as well as the key
control web page the spot that the repository server can be organized. Furthermore, the machine
posts alert communications towards the end-users mobile products which have been utilized since
verbal exchanges terminals. The system has become put in place as well as tried by using distinct
experimental effects.
Hardware prototype of smart home energy management systemeSAT Journals
Abstract The development of ‘demand-side load management’ is the outcome of the smart grid initiative. Due to the significant amount of loads in the residential sector, home energy management has received increasing interest. In the country like India, we are lagging behind, in the power sector as the demand is much more than the supply. Moreover, there is not a single initiative, which has been taken for the deployment of smart suppliers and smart users. Here, I propose a hardware design of smart home energy management system (SHEMS). With the help of this proposed design, it is possible to have a real-time, price-responsive control strategy for domestic loads such as electrical water heater (EWH), illumination (Lights), air conditioning (Fan), dryer etc. Consumers may interact with suppliers or load serving entities (LSEs) to facilitate the load management at the supplier side. This system is designed with sensors to detect human activities and the behavior is predicted by applying a machine learning algorithm in order to help consumers reduce total payment on electricity. Finally, for the verification of the hardware system, simulation and experiment results will be checked based on an actual SHEMS prototype. Keywords: Demand side load management, Load Serving Entity (LSE), Smart Home Energy Management System (SHEMS), Smart Grid.
Energy Management Systems in the Home: Gateway to the Customer HANZin Kyaw
Concept for tying the Consumer HAN and Utility HAN together as part of one homogeneous network. From etering America/World Meter Design Congress, Dallas, TX, April 2011
Energy Management and the Evolution of Intelligent Motor Control and Drives @...ARC Advisory Group
Energy Management and the Evolution of Intelligent Motor Control and Drives @ ARC's 2011 Industry Forum by Craig Resnick.
Intelligent motor control & drives once provided a safe, flexible & centralized means to control & protect motors
•Today, these devices have evolved to ‘smart’ energy managers that bring advances ranging from complex drive systems to basic control of fan or pump motors
•In high demand where uptime & equipment reliability are critical, in applications where even a short period of downtime can prove extremely costly & damaging
•These devices perform critical protective & troubleshooting functions & detailed diagnostics to help improve productivity & minimize downtime
Automation of capacitor banks based on MVAR RequirementAhmed Aslam
Power generation systems generate two power components, real power measured in watts, and reactive power measured in VARs. Both of these power components need to be produced and transmitted from the generator to the service customer. Real power flows from the generator to the load, and is used to drive loads such as electrical motors, create the heating effect in heaters, and the heating/lighting effect in lamps. Losses and associated voltage drops in the network are effected by the vector sum of real power and reactive power. Reactive power provided from a generation or capacitor source to the load is the component necessary for the operation of magnetizing currents in motors, transformers and solenoids which are part of a customer service load.
A capacitor bank is a grouping of several identical capacitors interconnected in parallel or in series with one another. These groups of capacitors are typically used to correct or counteract undesirable characteristics, such as power factor lag or phase shifts inherent in alternating current (AC) electrical power supplies. Shunt capacitor banks are used to an increasing extent at all voltage levels. There are a variety of reasons for this like the growing need for power transfer on existing lines while avoiding transfer of reactive power, better use of existing power systems, improving voltage stability, right-of-way and cost problems, voltage control and compensation of reactive loads. Three-phase capacitor bank sizes vary from a few tenths of MVAr to several hundreds of MVAr. Here we are using 25MVAR capacitor bank for this purpose.
Here, we have simulated an automatic scheme for switching of capacitor bank based on mvar requirement of the system. They automatically sense the voltage and reactive power using transducers. Output from these transducers are given to sensing circuit where it is compare with normal parameters (voltage and reactive power) of the system. If the condition satisfies it automatically switch on capacitor bank. And this normalises the system parameters.
Automtaic Cyclic Load shedding in Distribution systemrajani51
basically here we are focusing on how can we do load shedding periodically without any customer dissatisfaction.the cutting of some of the loads when there is a shortage of power . that means the load demanded by the consumers is higher than the power generated by the power plant.
www.pwc.comgsiss2015Managing cyber risks in an intercon.docxericbrooks84875
www.pwc.com/gsiss2015
Managing cyber risks in an
interconnected world
Key findings from The Global State of
Information Security® Survey 2015
30 September 2014
03
Employees are the most-
cited culprits of incidents
p13
Nation-states, hackers, and
organized crime groups are
the cybersecurity villains that
everybody loves to hate
Figure 6: Insiders vs. outsiders
p15
High growth in high-profile
crimes
p18
Domestic intelligence: A new
source of concern
01
Cyber risks: A severe and
present danger
p1
Cybersecurity is now a persistent
business risk
p3
And the risks go beyond devices
p5
Cybersecurity services market
is expanding
Figure 1: Security incidents outpace
GDP and mobile phone growth
Table of contents
02
Incidents and financial
impacts continue to soar
p7
Continued year-over-year
rise is no surprise
Figure 2: Security incidents grow
66% CAGR
Figure 3: Larger companies detect
more incidents
Figure 4: Information security
budget by company size (revenue)
p10
Financial losses increase apace
Figure 5: Incidents are more costly
to large organizations
07
Evolving from security to
cyber risk management
p31
As incidents continue to proliferate
across the globe, it’s becoming
clear that cyber risks will never
be completely eliminated
p35
Methodology
p36
Endnotes & sources
p37
Contacts by region
04
As incidents rise, security
spending falls
p19
Organizations are undoubtedly
worried about the rising tide
of cybercrime
Figure 7: Overall, average security
budgets decrease slightly, reversing
a three-year trend.
Figure 8: Top spending priorities
over the next 12 months
05
Declines in fundamental
security practices
p25
Security practices must keep pace
with constantly evolving threats
and security requirements
Figure 9: Failing to keep up with
security threats
Figure 10: At most organizations, the
Board of Directors does not participate
in key information security activities
06
Gains in select security
initiatives
p29
While we found declines in
some security practices, we also
saw gains in important areas
Cybersecurity is
now a persistent
business risk
It is no longer an issue that
concerns only information
technology and security
professionals; the impact
has extended to the C-suite
and boardroom.
Awareness and concern about
security incidents and threats
also has become top of mind among
consumers as well. In short, few
risk issues are as all-encompassing
as cybersecurity.
Media reports of security incidents
have become as commonplace as the
weather forecast, and over the past
12 months virtually every industry
sector across the globe has been hit
by some type of cyber threat.
Following are but a few: As incidents
proliferate, governments are
becoming more proactive in helping
organizations fight cyber crime.
The US Federal Bureau of
Investigation (FBI), for example,
disclosed that it notified 3,000
companies—including banks,
retaile.
TEACHING CASETargeting Target with a 100 million dollar da.docxdeanmtaylor1545
TEACHING CASE
Targeting Target with a 100 million dollar data breach
Federico Pigni1 • Marcin Bartosiak2 • Gabriele Piccoli3 • Blake Ives4
Published online: 16 November 2017
� Association for Information Technology Trust 2017
Abstract In January 2014, the CEO of the renowned U.S.
discount retailer Target wrote an open letter to its cus-
tomers apologizing for the massive data breach the com-
pany experienced during the 2013 holiday season.
Attackers were able to steal credit card data of 40 million
customers and more were probably at risk. Share prices,
profits, but above all reputation were all now at stake. How
did it happen? What was really stolen? What happened to
the data? How could Target win consumer confidence
back? While the company managed the consequences of
the attack, and operations were slowly back to normal, in
the aftermath the data breach costs hundreds of million
dollars. Customers, banks, and all the major payment card
companies took legal action against Target. Some of these
litigations remained unsettled 3 years later. The importance
of the breach lays in its far broader consequences, rippling
through the U.S. Congress, and raising consumer and
industry awareness on cyber security. The case provides
substantial data and information, allowing students to step
into the shoes of Target executives as they seek answers to
the above questions.
Keywords Teaching case � Cyber security � Hacking �
Data breach � Target � Information systems
Introduction
On January 13th and 14th, 2014, Greg Steinhafel, Chair-
man, President, and CEO of Target, published an open
letter to customers (Steinhafel 2014) in The New York
Times, The Wall Street Journal, USA Today, and The
Washington Post, as well as in local papers of the firm’s 50
largest markets. In the letter, he apologized for the massive
data breach his company experienced during the 2013
holiday season.
Target learned in mid-December that criminals
forced their way into our systems, gaining access to
guest credit and debit card information. As a part of
the ongoing forensic investigation, it was determined
last week that certain guest information, including
names, mailing addresses, phone numbers or email
addresses, was also taken.
I know this breach has had a real impact on you,
creating a great deal of confusion and frustration. I
share those feelings. You expect more from us and
deserve better. We want to earn back your trust and
confidence and ensure that we deliver the Target
experience you know and love.
The breach, announced to the public 6 days before
Christmas, included credit card data from 40 million
customers. It was later discovered that data for another
70 million customers were also at risk.
& Federico Pigni
[email protected]
1 Grenoble Ecole de Management, 12, rue Pierre Sémard,
38000 Grenoble, France
2 Department of Economics and Management, University of
Pavia, Pavia, Italy
3 E.J. Ourso College of Business, Lo.
TEACHING CASETargeting Target with a 100 million dollar da.docxbradburgess22840
TEACHING CASE
Targeting Target with a 100 million dollar data breach
Federico Pigni1 • Marcin Bartosiak2 • Gabriele Piccoli3 • Blake Ives4
Published online: 16 November 2017
� Association for Information Technology Trust 2017
Abstract In January 2014, the CEO of the renowned U.S.
discount retailer Target wrote an open letter to its cus-
tomers apologizing for the massive data breach the com-
pany experienced during the 2013 holiday season.
Attackers were able to steal credit card data of 40 million
customers and more were probably at risk. Share prices,
profits, but above all reputation were all now at stake. How
did it happen? What was really stolen? What happened to
the data? How could Target win consumer confidence
back? While the company managed the consequences of
the attack, and operations were slowly back to normal, in
the aftermath the data breach costs hundreds of million
dollars. Customers, banks, and all the major payment card
companies took legal action against Target. Some of these
litigations remained unsettled 3 years later. The importance
of the breach lays in its far broader consequences, rippling
through the U.S. Congress, and raising consumer and
industry awareness on cyber security. The case provides
substantial data and information, allowing students to step
into the shoes of Target executives as they seek answers to
the above questions.
Keywords Teaching case � Cyber security � Hacking �
Data breach � Target � Information systems
Introduction
On January 13th and 14th, 2014, Greg Steinhafel, Chair-
man, President, and CEO of Target, published an open
letter to customers (Steinhafel 2014) in The New York
Times, The Wall Street Journal, USA Today, and The
Washington Post, as well as in local papers of the firm’s 50
largest markets. In the letter, he apologized for the massive
data breach his company experienced during the 2013
holiday season.
Target learned in mid-December that criminals
forced their way into our systems, gaining access to
guest credit and debit card information. As a part of
the ongoing forensic investigation, it was determined
last week that certain guest information, including
names, mailing addresses, phone numbers or email
addresses, was also taken.
I know this breach has had a real impact on you,
creating a great deal of confusion and frustration. I
share those feelings. You expect more from us and
deserve better. We want to earn back your trust and
confidence and ensure that we deliver the Target
experience you know and love.
The breach, announced to the public 6 days before
Christmas, included credit card data from 40 million
customers. It was later discovered that data for another
70 million customers were also at risk.
& Federico Pigni
[email protected]
1 Grenoble Ecole de Management, 12, rue Pierre Sémard,
38000 Grenoble, France
2 Department of Economics and Management, University of
Pavia, Pavia, Italy
3 E.J. Ourso College of Business, Lo.
TEACHING CASETargeting Target with a 100 million dollar da.docxerlindaw
TEACHING CASE
Targeting Target with a 100 million dollar data breach
Federico Pigni1 • Marcin Bartosiak2 • Gabriele Piccoli3 • Blake Ives4
Published online: 16 November 2017
� Association for Information Technology Trust 2017
Abstract In January 2014, the CEO of the renowned U.S.
discount retailer Target wrote an open letter to its cus-
tomers apologizing for the massive data breach the com-
pany experienced during the 2013 holiday season.
Attackers were able to steal credit card data of 40 million
customers and more were probably at risk. Share prices,
profits, but above all reputation were all now at stake. How
did it happen? What was really stolen? What happened to
the data? How could Target win consumer confidence
back? While the company managed the consequences of
the attack, and operations were slowly back to normal, in
the aftermath the data breach costs hundreds of million
dollars. Customers, banks, and all the major payment card
companies took legal action against Target. Some of these
litigations remained unsettled 3 years later. The importance
of the breach lays in its far broader consequences, rippling
through the U.S. Congress, and raising consumer and
industry awareness on cyber security. The case provides
substantial data and information, allowing students to step
into the shoes of Target executives as they seek answers to
the above questions.
Keywords Teaching case � Cyber security � Hacking �
Data breach � Target � Information systems
Introduction
On January 13th and 14th, 2014, Greg Steinhafel, Chair-
man, President, and CEO of Target, published an open
letter to customers (Steinhafel 2014) in The New York
Times, The Wall Street Journal, USA Today, and The
Washington Post, as well as in local papers of the firm’s 50
largest markets. In the letter, he apologized for the massive
data breach his company experienced during the 2013
holiday season.
Target learned in mid-December that criminals
forced their way into our systems, gaining access to
guest credit and debit card information. As a part of
the ongoing forensic investigation, it was determined
last week that certain guest information, including
names, mailing addresses, phone numbers or email
addresses, was also taken.
I know this breach has had a real impact on you,
creating a great deal of confusion and frustration. I
share those feelings. You expect more from us and
deserve better. We want to earn back your trust and
confidence and ensure that we deliver the Target
experience you know and love.
The breach, announced to the public 6 days before
Christmas, included credit card data from 40 million
customers. It was later discovered that data for another
70 million customers were also at risk.
& Federico Pigni
[email protected]
1 Grenoble Ecole de Management, 12, rue Pierre Sémard,
38000 Grenoble, France
2 Department of Economics and Management, University of
Pavia, Pavia, Italy
3 E.J. Ourso College of Business, Lo.
Consumer protections exist to prevent fraud, usury, extortion and other financial crimes. Since individuals are not always aware of commercial and legal details surrounding transactions and business communications, undesirable and underhanded access to the wallets and bank accounts of unsuspecting people becomes possible.
Etude PwC/CIO/CSO sur la sécurité de l'information (2014)PwC France
http://bit.ly/Cybersecurite-sept14
Etude mondiale de PwC, CIO et CSO réalisée en ligne du 27 mars 2014 au 25 mai 2014. Les résultats présentés ici sont fondés sur les réponses de plus de 9700 CEO, CFO, CIO, RSSI, les OSC, les vice-présidents et des directeurs de l'information et des pratiques de sécurité de plus de 154 pays.
35 % des répondants sont d'Amérique du Nord, 34 % d'Europe, 14 % d'Asie-Pacifique, 13 % en Amérique du Sud, et 4 % du Moyen-Orient et d’Afrique.
Data Privacy: What you should know, what you should do!
CSMFO Data Privacy in the Governmental Sector, Local Government. Data Privacy Laws, PCI, Breaches, AICPA – Generally Accepted Privacy Principles
By David F. Larcker, Peter C. Reiss, and Brian Tayan
Stanford Closer Look Series, November 16, 2017
The board of directors is expected to ensure that management has identified and developed processes to mitigate risks facing the organization, including risks arising from data theft and the loss of information. Unfortunately, recent experience suggests that companies are not doing a sufficient job of securing this data. In this Closer Look, we examine they types of cyberattacks that occur and how companies respond to them.
We ask:
• What steps can the board take to prevent, monitor, and mitigate data theft?
• What data, metrics, and information should board members review to satisfy themselves that management has taken proper steps to minimize cyber risks?
• What qualifications should a board member have in order to constructively contribute to boardroom discussions on cybersecurity?
• How difficult is it to find board candidates with these skills?
Group letter to FTC calling for workshop examining data breaches - March 2014nationalconsumersleague
A coalition of consumer and privacy organizations today called on the Federal Trade Commission (FTC) to convene a forum examining the ongoing impact of data insecurity on America’s consumers. In a letter to FTC Chairwoman Edith Ramirez, the groups cited the increased consumer awareness of the threat of data breaches and other cybersecurity risks in the wake of data thefts at Target, Michaels, Snapchat, and other businesses.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
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
Sheet1x1x2x3x4LHSRHSslackObjective function121015110Material 53420=240240Machine Time0=0Labor0=0
Solution
Values0000Maximize Z = 12x1 + 10x2 + 15x3 + 11x4 (objective function for profit)
Sheet2
Sheet3
Sara E. Berg
University at Albany
Sara E. Berg is a doctoral student in the School of Criminal Justice at the University at Albany. She also
holds a BS and MS in information technology from the Rochester Institute of Technology and an MA in
criminal justice from the University at Albany. Her primary research interest is computer crime, specif-
ically examining the intersection between technology and crime as it relates to offending and victimiza-
tion. For the past 4 years, she has been carrying out identity theft victimization research, with a focus on
information protection and security.
Abstract
This study employs content analysis of 577 newspaper articles published between 1985 and
2003 to determine causes, correlates, and factors surrounding identity theft. Findings show
that identity theft is a complex sociotechnological problem that follows predictable patterns
of victimization and offending behaviors, which are modeled using network view diagrams
produced with Atlas.ti content analysis software. These diagrammatic models illustrate rela-
tionships between key variables and have important implications for fraud prevention policies
and practices beyond those addressed by existing legislation, regulations, and recommenda-
tions of the federal government, especially as the use and power of computing and Internet
technologies continue to grow.
INTRODUCTION AND LITERATURE REVIEW
Identity theft is one of the fastest growing crimes in the United States today, and its numbers
don’t seem to be diminishing. Also known as identity fraud, these two labels are relatively
interchangeable umbrella terms1 that refer to the commission of several fraud crimes in the
United States and in other nations, although naming conventions vary in crime statutes and in
practice vary throughout the world. Identity theft is committed by obtaining unique personal
information and then using that information to impersonate one or more victims, in one or
Chapter 12
Identity Theft Causes, Correlates,
and Factors: A Content Analysis
225
1Although both identity theft and identity fraud refer to the same incident type inside the United States, there
is often more differentiation internationally. Similarly, it has been proposed to break apart the term “identity
theft” and instead further distinguish each individual type (Cheney 2005).
M12_SCHM8860_01_SE_C12.QXD 2/4/08 7:16 PM Page 225
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226 Chapter 12 Identity Theft Causes, Correlates, and Factors
TABLE 12-1 Identity Theft Fraud-related Victimization
Credit card fraud 25%
Phone or utilities fraud 16%
Bank fraud 16%
Employment-related fraud 14%
Government document or benefits fraud 10%
Loan fraud 5%
Other assorted incidents 24%
Attempted identity theft 6%
Sou.
IBM X-Force Threat Intelligence Report 2016thinkASG
Download the latest IBM X-Force Threat Intelligence Report
High-value breaches stole headlines as lackluster security fundamentals left organizations open to attack in 2015.
* The globalization of security incidents is shifting to targets like health-related PII and sensitive personal data
* The growing sophistication and organization of cybercrime rings are helping expand their reach
* New attack techniques like mobile overlay malware are evolving, while classics like DDoS and POS malware remain effective
Similar to National Consumers League 2013 State of ID Theft Report (20)
Coding languages have come a long way since Gottfried Leibniz designed binary code in 1679...and in the process, coding itself has become one of the most valuable job skills on the market.
The National Consumers League is calling on legislators to adopt pro-consumer legislation that could slow the rising cost of cable and satellite television bills. The FANS Act, sponsored by U.S. Senator Richard Blumenthal (D-CT), would condition professional sports leagues’ antitrust exemptions on agreements to reduce programming blackouts and increase opportunities for fans to access sports over the Internet.
A National Consumers League White Paper examining challenges and solutions for American food waste. More than one billion people, or one sixth of the world’s population, suffer from chronic hunger. In the United States alone, 49 million people experienced food insecurity in 2012. While millions struggle to put food on the table, others live in a very different world where food excess and overindulgence are more common. Against this backdrop is the shocking reality that a quarter to a third of all food produced goes to waste.
Join us in celebration of 115 years of building bridges to promote social and economic justice in the United States and abroad. Honoring AFL-CIO President Richard L. Trumka.
The National Consumers League (NCL) and the U.S. Food and Drug Administration (FDA) have teamed up to alert consumers to the possibility that the medications they are taking could interact with foods, caffeine, and alcohol. With millions of Americans taking prescription or over-the-counter medications each day, the issue of interactions between medications and certain foods is of growing importance.
This report presents the results of a survey conducted by ORC International on behalf of the National Consumers League (NCL) among 1,024 American adults. The study was intended to examine the views of Americans regarding the fairness with which restaurant workers are treated when it comes to benefits and pay. The findings: Consumers feel strongly that restaurant employees should not work while sick and, to a lesser extent, should be provided with paid sick days by the restaurant.
Despite scientific studies clarifying that vaccines are not linked to autism in children, 33 percent of parents of children under the age of 18 and 29 percent of all adults continue to believe “vaccinations can cause autism.” According to public health experts, the failure to vaccinate children has recently led to outbreaks of highly contagious, preventable, and sometimes deadly diseases, like whooping cough.
NCL Consumer Data Insecurity Report: Examining Data Breaches June 2014nationalconsumersleague
The National Consumers League #DataInsecurity Project has released a new survey of identity fraud victims, which finds that Americans are urgently calling out for government action on the growing threat posed by data breach and identity theft. The study, conducted in partnership with Javelin Strategy & Research, shows that the consumer impact of data breach is indeed severe: 61 percent of data breach victims surveyed reported that the breached information was used to commit fraud against them. What’s more, nearly half of victims--49 percent--do not know where the information used to defraud them was compromised.