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If you have an outstanding debt that you eventually decide to make good on, you may get penalized. The "Date of Last Activity" field on your credit file will get updated if you make a single payment making it appear as if your delinquency was yesterday instead of 3 years ago.

This practice has been challenged and it seems that the consumers are winning.

Real ID

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Why they don't do this for other issues, I don't know, but several organizations have banded together to fight the implementation of REAL ID.

George W. Bush

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In what is hardly news, Bush again picks a poor choice for an important position. Michael Baroody, a high-ranking member of the National Association of Manufacturers, has been nomintated as chair of the Consumer Product Safety Commission (the agency responsible for reigning in manufacturers). What exactly is it about conflict of interest that Bush doesn't understand?

Federal Trade Commission

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On April 23rd, the ID Theft Task Force that's chaired by Alberto Gonzales (the US Attorney General) and co chaired by Deborah Platt Majores (the chairwoman of the FTC) has released their final recommendations for reducing identity theft.

Here are a few of their better recommendations:

Where's the Freeze recommendation?

For residents of states in which state law authorizes a credit freeze, consider placing a credit freeze on their credit file.7 This option is most useful when the breach includes information that can be used to open a new account, such as SSNs. A credit freeze cuts off third party access to a consumer’s credit report, thereby effectively preventing the issuance of new credit in the consumer’s name.

Among the state-enacted remedies without a federal counterpart is one granting consumers the right to obtain a credit freeze. Credit freezes make a consumer’s credit report inaccessible when, for example, an identity thief attempts to open an account in the victim’s name. State laws differ in several respects, including whether all consumers can obtain a freeze or only identity theft victims; whether credit reporting agencies can charge the consumer for unfreezing a file (which would be necessary when applying for credit); and the time allowed to the credit reporting agencies to unfreeze a file. These provisions are relatively new, and there is no "track record" to show how effective they are, what costs they may impose on consumers and businesses, and what features are most beneficial to consumers. An assessment of how these measures have been implemented and how effective they have been would help policy makers in considering whether a federal credit freeze law would be appropriate. Accordingly, the Task Force recommends that the FTC, with support from the Task Force member agencies, assess the impact and effectiveness of credit freeze laws, and report on the results in the first quarter of 2008.

This is very weak and isn't even a recommendation of it's own, just a sub-component of "Assess Efficacy of Tools Available to Victims". So it went from the nice, solid (and correctly worded) "effectively preventing the issuance of new credit in the consumer’s name" to "there is no 'track record' to show how effective they are, what costs they may impose on consumers and businesses, and what features are most beneficial to consumers". Alberto Gonzales and Deborah Platt Majores should be ashamed of themselves for putting their names on this worthless report.

Update 9/27/2007

It looks like the credit reporting companies are starting to read the bones and pre-emptively offer credit freezes before they get legislated into having to provide it on worse terms and lower fees. Two out of three have jumped onto the bandwagon with only one holding out so far.

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Talon, a Pentagon program that has been used to track and monitor peaceful group and members of some churches is now being dismantled.

Assuming there are protections in place to prevent this kind of thing from happening again and that whoever was responsible for this in the first place is disciplined, then this is a good thing.

Brilliant Plan

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Congress is now considering a bill similar to the CAN-SPAM act for spyware. Like the CAN-SPAM act, it doesn't actually stop anything, but rather legalizes it instead.

Let's sum up. If the Spy Act become law, hardware, software, and network vendors will be granted carte blanche to use spyware themselves to police their customers' use of their products and services. Incredibly broad exceptions will probably allow even the worst of the adware outfits to operate with legal cover. State attempts to deal with the spyware problem will be pre-empted and enforcement left up almost entirely to the FTC. Gee, what's not to like in that deal?

REAL ID still unpopular

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While they aren't the first (even though they mysteriously claim to be).

"We also don't think that bureaucrats in Washington, D.C., ought to tell us that if we're going to get on a plane we have to carry their card, so when it's scanned through they know where you went, when you got there and when you came home," said Schweitzer, a Democrat.

Stories like this give all police a bad name.

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Tantrum turns to police record.

She flailed away at the teachers who tried to control her. She pulled one woman’s hair. She was kicking.

Unless the kid has a knife or some other kind of weapon, nothing they can do could be counted as dangerous.

Desre’e was charged with battery on a school official, which is a felony, and two misdemeanors: disruption of a school function and resisting a law enforcement officer. After a brief stay at the county jail, she was released to the custody of her mother.

So your kid has a felony and two misdemeanors on record from the time they're 6? What was wrong with the normal way, calling her mother? So now this poor girl, her mother, the community, and most of the Internet all have less respect and trust for police officers. Great work Florida.

Real ID rejection is the right choice

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According to the The Electronic Frontier Foundation (EFF) newsletter, Washington state has also rejected REAL ID. More info on REAL ID and why it's bad here.

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From the "don't forget we're people, not products" department, North Dakota is the second state to ban forced RFID implantation. However, even if this is a step in the right direction, does it do enough? It doesn't ban voluntary implantation and last I checked a lot of things that aren't really "voluntary" are treated such under law:

But Michael Shamos, a professor who specializes in security issues at Carnegie Mellon University in Pittsburgh, believes the law is too vague to do much good. For instance, it only addresses situations where a chip is injected, even though RFID tags can also be swallowed. And it doesn't clearly define what a forced implant really is; someone could make chipping a requirement for a financial reward.

"Suppose I offer to pay you $10,000 if you have an RFID [chip] implanted?" he asked. "Is that 'requiring' if it's totally voluntary on your part?"

It's a poor example, but the right idea. Instead, what if you are offered a high paying job and move your family to a new state, get settled and begin the orientation process for your new job. You find out that they require RFID implants for "security" (which has been proven to weaken security). How much free will do you have in this instance? Can you really afford not to take the job now?

Another example, perhaps not so drastic. Companies push and push and finally get most everyone to use RFID implants as identification and method of payment. Because you're smart enough to know what a bad thing this is, you refuse, but find yourself inconvenienced everywhere. You can only shop at certain stores that still have non-RFID checkout. You pay an extra "cash handling" fee for not using the new methods. You have to drive 20 miles away to the only gas station around that's equiped to take non-RFID transactions.

Is it still a choice?

Note that both Spychips.com and Privacy.org are carrying this story and that Spychips lists Ohio, Colorado, Oklahoma, and Florida as more states with anti-implantation bills in the works. The first state to pass such a bill was Wisconsin (note the same flaw as the ND bill).