If you have a news tip send us an email at: tips@oregoncapitalinsider.com


'Equifax bill' requires faster data breaches notices

A bill in the Legislature comes at a time when Equifax is under fire for failing to fully reveal the extent of a data breach last year.

Source: Equifax Corp.SALEM — Oregon lawmakers hope to advance a bill this week to require companies to notify consumers within 45 days after discovering a data breach of their personal information.

House Bill 4147 also would prohibit companies from charging consumers or requesting their credit or debit card numbers to redeem the companies' offer for free credit card monitoring or a security freeze or to replace personal identification number, passwords or similar devices.

COURTESY PHOTO - Oregon Attorney General Ellen RosenblumDubbed the "Equifax bill," the proposed regulations intersect with revelations Friday, Feb. 9, that cyber thieves last year accessed more personal information than previously reported by the Equifax. The security breach affected an estimated 145.5 million consumers in the United States, Canada and the United Kingdom.

"Oregon fared no better — over 1.7 million of Oregonians' information was breached," according to written testimony from Oregon Attorney General Ellen Rosenblum's office. "As one cannot change their Social Security Numbers, this is a breach that will follow Oregonians for many years to come. Not only does the sheer size of the breach cause concern, but the Equifax story revealed many other failures and unfair practices."

The Atlanta credit reporting agency discovered in July that hackers had stolen consumers' names, addresses, birthdates, Social Security numbers and certain driver's license information. But the breach wasn't reported to consumers until September, according to media reports.

A letter to U.S. Sen. Elizabeth Warren, D-Massachusetts, of the U.S. Senate Banking Committee on Friday, Feb. 9, showed that additional consumer information was exposed, including tax identification numbers, email addresses and additional driver's license information.

Free credit freezes?

HB 4147 would require companies to reveal a breach within 45 days unless law enforcement determines doing so would impede a criminal investigation.

Data breaches less than 350,000 would require companies to notify consumers in writing, electronically or by phone. Notices of larger data breaches would require companies to post notice on their website and in statewide newspapers and television broadcasts. Companies would have to report all data breaches to the state attorney general's office.

Oregonians reported losses of $12.8 million from cybercrimes in 2016, according to the Federal Bureau of Investigation's Internet Crime Complaint Center. Data breaches fuel those crimes, according to the attorney general's office.

Equifax offered free credit monitoring services to affected consumers but accepting the offer they were forced to accept arbitration and a waiver of any lawsuit connected to the breach. "They and other credit reporting agencies steered consumers away from credit freezes, and into other pay-per-month type services," according to the attorney general's office testimony.

Freezing credit is one of the best preventative measures a consumer can take to protect their credit from fraudulent uses, but ordering a freeze required a fee. "Making freezes free, like some other states, is the best way to help consumers use this very important tool," according to the attorney general's statement. The bill provides that a consumer may freeze credit for free once a year.


Paris Achen
Portland Tribune Capital Bureau
503-385-4899
email: pachen@portlandtribune.com
Follow us on Twitter
Visit Us on Facebook

Access your account

Subscriber Login

cialiscialis couponcialis genericcialis dosagegeneric cialiscialis costcialis vs viagracialis pricescialis side effectscialis couponscialis 30 day sampleviagra vs cialiscialis onlinecialis pillscialis samplesbuy cialiscialis 20 mgcialis patent expirationcialis coupons printablecialis for daily usecialis samples overnightcheap cialiscost of cialis200 cialis couponcialis dailycialis 20mggeneric cialis at walmartcealiscialis canadacialis trialhow does cialis workwhen will cialis go genericcialis on lineside effects of cialiscialis 30 day trial couponcialis 5mgcialis for mencialasbuy cialis onlinecialis for salecialis patent expiration date extendedhow to take cialiscialis pricecialis from canadahow much does cialis costfree cialisviagra vs cialis vs levitracialis reviewscialis coupons from manufacturerwhat is cialiscialis pills for salecialis patent expiration 2017canadian cialiscialis tadalafilcialis or viagrageneric for cialiscialis professionalcialis free trialcialis medicationciliascialis for bphcialis coupons 2017cyaliscialis dosage strengthscialis discountgeneric cialis tadalafildiscount cialiscialis dosage recommendationscialis 5 mgonline cialiscialis canadian pharmacycialis copay cardlowest cialis pricescialis for womencialis generic availabilitycialis vouchercialis savings cardcialis 10 mgcialis websitecialis generic tadalafilliquid cialisdaily cialisviagra cialiscialis otcerectile dysfunction cialiscialis 5mg dailycanada cialiscialis coupon 20 mgcialis pricingcialis coupon printviamedic cialiscialis cheapcialis pharmacy pricescialis 20mg directionsprice cialiscialis samplewholesale cialiscialis alternativecialis effectscialis testimonialslevitralevitra couponlevitra 20 mglevitra 20mgbuy levitralevitra priceslevitra genericlevitra onlinelevitra vs viagrageneric levitralevitra couponslevitra rezeptfrei deutschlandlevitra 10 mg prezzocheap levitra9 levitra at walmartlevitra erfahrungenlevitra dosageviagra vs cialis vs levitrageneric levitra vardenafil 20mgwhat works better than viagrabuy levitra onlinelevitra without a doctor prescriptionbuy generic levitralevitra 20mg cost per pillvardenafil 20mglevitra prezzo in farmacialevitra 20 mg precio farmaciavardenafil vs viagralevitra 20 mg cost walmartlevitra vs viagra for hardnesslevitra bayer 20mg meilleur prixlevitra 20 mg von bayerviagrageneric viagraviagra genericviagra couponsviagra without a doctor prescriptionviagra onlineequipe argentine viagraviagra pricesbuy viagracialis vs viagracheap viagraviagra pillsviagra samplesviagra side effectswhat is viagraviagra couponviagra naturalviagra dosageviagra for sale uknatural viagrabuy viagra onlinegeneric viagra 100mgfemale viagrahow does viagra workhow to use viagraviagra activateherbal viagraviagra tabletssophia viagraviagra sans ordonnanceviagra kaufenviagra tabletviagra vs cialisonline viagracanadian viagraviagra for womenviagra ohne rezept aus deutschlandpfizer viagraviagra 100mgviagra costfree viagraviagra alternativesviagra canadaviagra on lineviagra single packsviagra for menviagra pillviagra 100mg tablets retail priceorder viagraviagra tescoside effects of viagraviagra pillen kruidvatviagra for salediscount viagrawhat does viagra doviagra costsviagra uklevitra vs viagrawhere to buy viagraviagra substitutehow long does viagra lastviagra alternativeviagra receptfrittviagra priceviagra 100viagra en ligne livraison 24hviagra on line no precviagra 100 mgutilisation viagrabest price viagracost of viagraviagra sexviagra wikipediasex viagra for womenviagra nebenwirkungenrevatio vs viagraviagra without a doctor prescription usaviagra genericoviagra 50mgviagra from canadaover the counter viagraviagra effectsviagra medicinepfizer viagra coupons from pfizerbuy generic viagraviagra wikiviagra bestellenviagra ohne rezept auf rechnungcanada viagrawomen viagrabuying viagraviagra soft