Ron Wyden-Oregon: beacon of Solutions

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Ron Wyden Introduces Bill to Provide Free Credit Protections to All Consumers after Equifax Security Breach

Washington, D.C. – In response to reports that millions of Americans’ personally identifiable information and credit card information was exposed in a data breach at Equifax Inc., U.S. Sen. Ron Wyden, D-Ore., introduced legislation to allow hardworking Americans to protect themselves from financial fraud at no cost.

Wyden’s Free Credit Freeze Act would guarantee all consumers can use PIN numbers to freeze and unfreeze their credit free-of-charge to stop fraudsters from opening new unauthorized financial accounts. The Equifax data breach, which exposed credit information of more than 200,000 Americans as well as Social Security numbers, birthdates and driver’s license numbers of an estimated 143 million Americans, has underscored the importance of credit freezes. Cybersecurity experts and the Federal Trade Commission recommend credit freezes as a method of protecting against identity theft.

But currently, credit bureaus charge consumers recurring fees as high as $15 each time they use their PIN numbers to freeze or unfreeze their credit reports. Those fees quickly add up for working families.  

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“Companies like Equifax that have stockpiled massive, insecure databases of Americans’ most sensitive personal data must make security the top priority at every single stage,” Wyden said. “Given the frequency of these mega breaches, it is simply unacceptable for the credit agencies to continue to charge hardworking Americans who want to protect their credit and their identity from fraudsters. The Free Credit Freeze Act gives power back to consumers by requiring credit reporting agencies to provide credit freezes to consumers at no cost.”

On Monday, Wyden, the top Democrat on the Finance Committee, along with Finance Committee Chairman Orrin Hatch, R-Utah, called on Equifax Inc. to respond to the reports that the firm experienced a data breach.

The National Consumer Law Center (on behalf of its low-income clients) has endorsed the Free Credit Freeze Act.

“The Equifax data breach highlights the need for consumers to have more control over their credit reports, including the ability to freeze and unfreeze without charge,” said Chi Chi Wu, National Consumer Law Center staff attorney. “Senator Wyden’s bill does just that.”

Wyden yesterday filed the Free Credit Freeze Act as an amendment to the National Defense Authorization Act, which the Senate is currently considering.

Read bill text here.

   I have a Penchant for The Freeze Credit Act

 

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Don’t forget this address

 

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“Four score and seven years ago our fathers brought forth on this continent, a new nation, conceived in Liberty, and dedicated to the proposition that all men are created equal.

Now we are engaged in a great civil war, testing whether that nation, or any nation so conceived and so dedicated, can long endure. We are met on a great battle-field of that war. We have come to dedicate a portion of that field, as a final resting place for those who here gave their lives that that nation might live. It is altogether fitting and proper that we should do this.

But, in a larger sense, we can not dedicate—we can not consecrate—we can not hallow—this ground. The brave men, living and dead, who struggled here, have consecrated it, far above our poor power to add or detract.

The world will little note, nor long remember what we say here, but it can never forget what they did here. It is for us the living, rather, to be dedicated here to the unfinished work which they who fought here have thus far so nobly advanced.

It is rather for us to be here dedicated to the great task remaining before us—that from these honored dead we take increased devotion to that cause for which they gave the last full measure of devotion—that we here highly resolve that these dead shall not have died in vain—that this nation, under God, shall have a new birth of freedom—and that government of the people, by the people, for the people, shall not perish from the earth.”

 

The Gettysburg Address

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Memorize

No one told them about high tide

Every five years, a tsunami hits.

Rober and Laura were tired of City living and were at the point, they would do anything to get away from the noise, pollution, the density and the filth.

They attended a wedding on the island and fell in love with the sky, the water and the solitude. Their real estate agent swiflty found a newly built home, put the sales package together and was off on a trek to Himalayas. 

Laura could not have been happier. She carefully unpackced their belongings before they had to travel to Egypt for a month-long meeting about Climate and Change.

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The night they returned to their beautiful new home –  there were strong winds, then rain.

Rober said he had never heard a noise like the one that rumbled outside their home that night. It sounded like a train – a massive train – traveling at high speed. WIthin a minute they heard the ocean barrelling towards their home.

Tsunami.

 

 

 

Volume

Screaming for attention. Deaf ears

She arrived for the luncheon at Kaluz in a swirl of designer labels.

She was carrying the Prada bag, a Hermes scarf tied around the handle. Her earrings were diamonds from Tiffany. Her necklaces were Elis Perretti. The diamond watch was a slim Rolex.  Her oversized, red, pen was Mont Blanc. Her hot pink, Faconnbale blazer matched her Armani capris. Her shoes were Fendi. She had just left Marco, the genius, at the Blow Bar minutes before. Per usual, she wanted to be seen and noticed.

Will Ferrell had just completed shooting a movie in her fair city that week. The crew had taken over an entire floor of the restaurant for a wrap-up celebration. The restaurant lobby was jammed with the Press, all rabid to score an interview with Ferrell. As she arrived, she was shuffled off to the smaller dining room to meet her friends. Their table, less than desirable, was in a dark corner. Not happy only begins to describe the ire of our Princess. The waiter recognized these fequent-flyer-ladies -who -lunch, and quickly took their order for “martinis, up, dry, two olives.”

Several martinis later, the ladies decided to crash the Ferrell party – in a stealth manner. They barely made it towards the elevator, before security guards stopped them and guided them back to their dark corner.

A flood of “Do you know who I am?” did not stop the Men in Black/with holsters, from asking the ladies not to bother them again.

The women all decided they hated “Elf.”

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What “Hit the Road, Jack” really means

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I left small, subtle hints that it was time for him to leave.

Early on, we both agreed I was the best girlfriend ever.

No doubt about it. I am the classic Peggy Lee W-o-m-a-n – (See below*)

And he had morphed into the quintessential Peggy Lee “Is that all there is?”

“…Then I fell in love, head over heels in love, with the most wonderful boy in the world. We would take long walks by the river or just sit for hours gazing into each other’s eyes.
We were so very much in love.  Then one day…..I decided  he should go  away – hasta la vista, baby…  and when I did, I said to myself, “is that all there is to love?”

Ya, baby! So, hit the road, Jack…and, even though his name was Bartholomew – he took a hint.

Once again, learning about love in all the wrong places.

*I’m a WOMAN

If you come to me sickly you know I’m gonna make you well
If you come to me all hexed up you know I’m gonna break the spell
If you come to me hungry you know I’m gonna fill you full of grits
If it’s lovin you’re likin, I’ll kiss you and give you the shiverin’ fits
‘Cause I’m a woman! W-O-M-A-N, I’ll say it again
!

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Learning