Download or read book The Surprising Virtues of the New Financial Privacy Law written by Peter Swire and published by . This book was released on 2015 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The financial privacy law passed by Congress in 1999 has been the target of scathing criticism. Financial institutions have complained about the high costs of the billions of notices sent to consumers, apparently to widespread consumer indifference. On the other side, privacy advocates have condemned the law as woefully weak. This article disagrees with the criticisms. Part I describes the main provisions of Title V of the Gramm-Leach-Bliley Act, showing a better match with basic privacy principles than many have realized. Part II explores the history of how GLB became law, placing the enactment into the context of a historic peak of privacy policy activity in the late 1990s. This history draws on my dual perspective, as an academic who has written extensively about financial and other privacy issues, and as the Clinton Administration's Chief Counselor for Privacy during the period. Part III looks at the most hotly contested issue in the privacy debate, the rules for sharing personal information with affiliated entities and third parties. GLB establishes a basic rule that information can flow freely within a financial institution and to its affiliates. Customer choice - an opt out ability to prevent sharing - applies for transfers to non-affiliated companies. The article argues that an exception to that principle of customer choice, the "joint marketing exception" should be repealed. It then explores the knotty issue of how to handle data sharing in today's vast financial conglomerates, suggesting possible statutory modifications. Part IV looks at the much-maligned notices that financial institutions have sent out in compliance with GLB. The critics have accurately complained about the legalistic and detailed language in the current notices. The critics have largely overlooked, however, important benefits from these notices. Publication of the notices and the new legal obligation to comply with them have forced financial institutions to engage in considerable self-scrutiny of their data handling practices. Many firms have hired a Chief Privacy Officer or made other institutional changes. The current notices, even in their imperfect form, have reduced the risk of egregious privacy practices. And improved notices, with a plain-language short form on top, would enhance accountability while also communicating far more clearly with ordinary customers. In short, there are surprising merits of the GLB privacy provisions. Considerably more was accomplished in the Act than observers would have predicted in the spring of 1999 or than critics have recognized to date. Important flaws do exist, but specific and achievable changes in the statute and implementing regulation can go far toward reducing the magnitude of those flaws.
Download or read book Information Privacy Law written by Daniel J. Solove and published by Aspen Publishing. This book was released on 2020-11-18 with total page 1344 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Seventh Edition of Information Privacy Law has been revised to include the California Consumer Privacy Act, the GDPR, Carpenter, state biometric data laws, and many other new developments. A clear, comprehensive, and cutting-edge introduction to the field of information privacy law, Information Privacy Law contains the latest cases and materials exploring issues of emerging technology and information privacy, and the extensive background information and authorial guidance provide clear and concise introductions to various areas of law. New to the Seventh Edition: Additional Coverage or updates to: California Consumer Privacy Act Carpenter v. United States General Data Protection Regulation State biometric data laws New FTC enforcement actions, including Facebook Professors and students will benefit from: Extensive coverage of FTC privacy enforcement, HIPAA and HHS enforcement, standing in privacy lawsuits, among other topics. Chapters devoted exclusively to data security, national security, employment privacy, and education privacy. Sections on government surveillance and freedom to explore ideas. Extensive coverage of the NSA and the Snowden revelations and the ensuing regulation. Engaging approach to complicated laws and regulations such as HIPAA, FCRA, ECPA, GDPR, and CCPA.
Download or read book Harvard Law Review written by Harvard Law Review and published by Quid Pro Books. This book was released on 2013-05-03 with total page 561 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Harvard Law Review is offered in a digital edition, featuring active Contents, linked notes, and proper ebook formatting. The contents of Issue 7 include a Symposium on privacy and several contributions from leading legal scholars: Article, "Agency Self-Insulation Under Presidential Review," by Jennifer Nou Commentary, "The Office of Information and Regulatory Affairs: Myths and Realities," by Cass R. Sunstein SYMPOSIUM: PRIVACY AND TECHNOLOGY "Introduction: Privacy Self-Management and the Consent Dilemma," by Daniel J. Solove "What Privacy Is For," by Julie E. Cohen "The Dangers of Surveillance," by Neil M. Richards "The EU-U.S. Privacy Collision: A Turn to Institutions and Procedures," by Paul M. Schwartz "Toward a Positive Theory of Privacy Law," by Lior Jacob Strahilevitz Book Review, "Does the Past Matter? On the Origins of Human Rights," by Philip Alston A student Note explores "Enabling Television Competition in a Converged Market." In addition, extensive student analyses of Recent Cases discuss such subjects as First Amendment implications of falsely wearing military uniforms, First Amendment implications of public employment job duties, justiciability of claims that Scientologists violated trafficking laws, habeas corpus law, and ineffective assistance of counsel claims. Finally, the issue includes several summaries of Recent Publications. The Harvard Law Review is a student-run organization whose primary purpose is to publish a journal of legal scholarship. The Review comes out monthly from November through June and has roughly 2000 pages per volume. The organization is formally independent of the Harvard Law School. Student editors make all editorial and organizational decisions. This issue of the Review is May 2013, the 7th issue of academic year 2012-2013 (Volume 126).
Download or read book Moving Forward written by Nicolas P. Retsinas and published by Brookings Institution Press. This book was released on 2011-01-01 with total page 274 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Brookings Institution Press and Harvard University Joint Center for Housing Studies publication The recent collapse of the mortgage market revealed fractures in the credit market that have deep roots in the system's structure, conduct, and regulation. The time has come for a clear-eyed assessment of what happened and how the system should be strengthened and restructured. Such reform will have a profound and lasting impact on the capacity of Americans to use credit to build assets and finance consumption. Moving Forward explores what caused the crisis and, more important, focuses on the path ahead. The challenge remains the same as ever: protect consumers, ensure fairness, and guarantee soundness of the financial system without stifling innovation and overly restricting access to credit and consumer choice. Nicolas Retsinas, Eric Belsky, and their colleagues aim to stimulate debate based on analysis of the opportunities and challenges presented by the various components of global capital markets: financial engineering, risk assessment and management, specialization of financial intermediation, and marketing methods. The contributors—leaders in business, government, academia, and the nonprofit sector—discuss new research and ideas about the future of credit markets, including how improvements might be shaped by industry leaders. Contributors: John Y. Campbell, Harvard University; Marsha J. Courchane, Charles River Associates; Ren Essene, Federal Reserve Board; Allen Fishbein, Federal Reserve Board; Howell E. Jackson, Harvard Law School; Melissa Koide, Center for Financial Services Innovation; Michael Lea, San Diego State University; Eugene Ludwig, Promontory Financial Group; Brigitte C. Madrian, Harvard Kennedy School; Nela Richardson, Joint Center for Housing Studies of Harvard University; Rachel Schneider, Center for Financial Services Innovation; Peter Tufano, Harvard Business School; Peter M. Zorn, Freddie Mac
Download or read book Federal Trade Commission Privacy Law and Policy written by Chris Jay Hoofnagle and published by Cambridge University Press. This book was released on 2016-02-09 with total page 782 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Federal Trade Commission, a US agency created in 1914 to police the problem of 'bigness', has evolved into the most important regulator of information privacy - and thus innovation policy - in the world. Its policies profoundly affect business practices and serve to regulate most of the consumer economy. In short, it now regulates our technological future. Despite its stature, however, the agency is often poorly understood by observers and even those who practice before it. This volume by Chris Jay Hoofnagle - an internationally recognized scholar with more than fifteen years of experience interacting with the FTC - is designed to redress this confusion by explaining how the FTC arrived at its current position of power. It will be essential reading for lawyers, legal academics, political scientists, historians and anyone else interested in understanding the FTC's privacy activities and how they fit in the context of the agency's broader consumer protection mission.
Download or read book Consumer Privacy and Data Protection written by Daniel J. Solove and published by Aspen Publishing. This book was released on 2023-12-29 with total page 430 pages. Available in PDF, EPUB and Kindle. Book excerpt: Buy a new version of this textbook and receive access to the Connected eBook on Casebook Connect, including lifetime access to the online ebook with highlight, annotation, and search capabilities. Access also includes an outline tool and other helpful resources. Connected eBooks provide what you need most to be successful in your law school classes. A clear, comprehensive, and cutting-edge introduction to the field of information privacy law with a focus on the crucial topic of the protection of consumer interests. This volume is perfect for a full three-credit course or a seminar. Read the latest cases and materials exploring issues of emerging technology, information privacy, financial data, consumer data, and data security. New to the 4th Edition: Tighter editing and shorter chapters New case on facial recognition and the BIPA: Clearview AI Discussion of new FTC enforcement cases involving dark patterns and algorithm deletion Discussion of protections of reproductive health data after Dobbs New section on AI and algorithms New case on standing: TransUnion v. Ramirez New material about state consumer privacy laws
Download or read book Overcoming the Saving Slump written by Annamaria Lusardi and published by University of Chicago Press. This book was released on 2009-10-15 with total page 406 pages. Available in PDF, EPUB and Kindle. Book excerpt: The great majority of working Americans are unprepared to face the difficult task of planning for retirement. In fact, the personal savings rate has been holding steady at zero for several years, down from 8 percent in the mid-1980s. Overcoming the Saving Slump explores the many challenges facing workers in the transition from a traditional defined benefit pension system to one that requires more individual responsibility, analyzing the considerable impediments to saving and evaluating financial literacy programs devised by employers and the government. Mapping the changing landscape of pensions and the rise of defined contribution plans, Annamaria Lusardi and others investigate new methods for stimulating saving and promoting financial education drawing on the experience of the United States as well as countries that have privatized their welfare systems, including Sweden and Chile. This timely volume pinpoints where human resources departments, the financial industry, and government officials have succeeded—or failed—in bridging the way to a new retirement system. As the workforce ages and more pensions disappear each second, Lusardi’s findings will be invaluable for economists and anyone facing retirement.
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:
Download or read book Global Privacy Protection written by James B. Rule and published by Edward Elgar Publishing. This book was released on 2010-01-01 with total page 327 pages. Available in PDF, EPUB and Kindle. Book excerpt: The distinguished editors and contributors to this book have produced a valuable report of the state of privacy in a number of jurisdictions with their distinct legal and political traditions. It highlights the challenges we confront in our effort to protect and defend a central democratic ideal. Raymond Wacks, Computer Law and Security Review . . . This book is. . . a seminal piece of literature. . . Although the volume is about privacy law and the international politics of data protection, it is vitally important for the whole field of surveillance studies. It is easy to follow, and written in a way that nonlegal scholars can easily grasp. Nils Zurawski, Surveillance and Society Global Privacy Protection is certainly to be commended. Daniel Seng, Singapore Journal of Legal Studies Global Privacy Protection reviews the origins and history of national privacy codes as social, political and legal phenomena in Australia, France, Germany, Hong Kong, Hungary, South Korea and the United States. The first chapter reviews key international statements on privacy rights, such as the OECD, EU and APEC principles. In the following chapters, the seven national case studies present and analyze the widest variety of privacy stories in an equally varied array of countries. They look beyond the details of what current national data-protection laws allow and prohibit to examine the origins of public concern about privacy; the forces promoting or opposing privacy codes; the roles of media, grassroots activists and elite intervention; and a host of other considerations shaping the present state of privacy protection in each country. Providing a rich description of the interweaving of national traditions, legal institutions, and power relations, this book will be of great interest to scholars engaged in the study of comparative law, information law and policy, civil liberties, and international law. It will also appeal to policy-makers in the many countries now contemplating the adoption of privacy codes, as well as to privacy activists.
Download or read book Privacy s Blueprint written by Woodrow Hartzog and published by Harvard University Press. This book was released on 2018-04-09 with total page 385 pages. Available in PDF, EPUB and Kindle. Book excerpt: The case for taking design seriously in privacy law -- Why design is (almost) everything -- Privacy law's design gap -- Privacy values in design -- Setting boundaries for design -- A toolkit for privacy design -- Social media -- Hide and seek technologies -- The internet of things
Download or read book Privacy in Context written by Helen Nissenbaum and published by Stanford University Press. This book was released on 2009-11-24 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: Privacy is one of the most urgent issues associated with information technology and digital media. This book claims that what people really care about when they complain and protest that privacy has been violated is not the act of sharing information itself—most people understand that this is crucial to social life —but the inappropriate, improper sharing of information. Arguing that privacy concerns should not be limited solely to concern about control over personal information, Helen Nissenbaum counters that information ought to be distributed and protected according to norms governing distinct social contexts—whether it be workplace, health care, schools, or among family and friends. She warns that basic distinctions between public and private, informing many current privacy policies, in fact obscure more than they clarify. In truth, contemporary information systems should alarm us only when they function without regard for social norms and values, and thereby weaken the fabric of social life.
Download or read book Minnesota Law Review written by and published by . This book was released on 2002 with total page 752 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book E Life after the Dot Com Bust written by Brigitte Preissl and published by Springer Science & Business Media. This book was released on 2013-03-09 with total page 279 pages. Available in PDF, EPUB and Kindle. Book excerpt: After the dramatic failures of the dot coms in 2000 and 2001, many observers were quick to report on the death of electronic commerce. Investor confidence sagged, stock prices of technology firms in nearly all of the related sectors suffered. In reality, the picture is not nearly as dismal as the press would have us believe. E-commerce is not dead, but it has moved beyond its overhyped beginning stage. This book is an effort to sort through the hype, providing a realistic assessment of the state of electronic commerce today, and the important areas of opportunity and challenge for tomorrow. The book sees all kind of developments where e-business is becoming an integral part of ‘traditional’ business processes, with special emphasis on practical and policy importance. E-commerce scholars from a number of disciplines and countries contribute to assess the impact of the dot com bust and the current state of e-commerce.
Download or read book The Digital Person written by Daniel J Solove and published by NYU Press. This book was released on 2004-12-01 with total page 295 pages. Available in PDF, EPUB and Kindle. Book excerpt: A startling account of personal data dossiers and the newest grave threat to privacy Seven days a week, twenty-four hours a day, electronic databases are compiling information about you. As you surf the Internet, an unprecedented amount of your personal information is being recorded and preserved forever in the digital minds of computers. For each individual, these databases create a profile of activities, interests, and preferences used to investigate backgrounds, check credit, market products, and make a wide variety of decisions affecting our lives. The creation and use of these databases—which Daniel J. Solove calls “digital dossiers”—has thus far gone largely unchecked. In this startling account of new technologies for gathering and using personal data, Solove explains why digital dossiers pose a grave threat to our privacy. The Digital Person sets forth a new understanding of what privacy is, one that is appropriate for the new challenges of the Information Age. Solove recommends how the law can be reformed to simultaneously protect our privacy and allow us to enjoy the benefits of our increasingly digital world. This is the first volume in the series EX MACHINA: LAW, TECHNOLOGY, AND SOCIETY.
Download or read book Strategies and Policies in Digital Convergence written by Sangin Park and published by IGI Global. This book was released on 2007-01-01 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This book addresses and positions the issues in business strategy and public policy rising from digital convergence, especially in the areas of mobile communications, broadband networks, and digital multimedia broadcast services. It presents new business opportunities generated by digital convergence, and raises governance issues in digital convergence"--Provided by publisher.
Download or read book Review of the National Bank Preemption Rules written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2005 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Digital Person written by Daniel J Solove and published by NYU Press. This book was released on 2004 with total page 295 pages. Available in PDF, EPUB and Kindle. Book excerpt: Daniel Solove presents a startling revelation of how digital dossiers are created, usually without the knowledge of the subject, & argues that we must rethink our understanding of what privacy is & what it means in the digital age before addressing the need to reform the laws that regulate it.
