...Information Technology Acts Mayra Gonzalez BIS/220 October 28, 2013 Jadie Giorgis Information Technology Acts While information technology continual to move ahead over the years, ethical concerns turn into an issue. Accordingly, the government executed specific acts to govern these concerns. Even as some of these acts exists, this text centered on two sections specifically: US Patriot Act of 2001, and Fair Credit Reporting Act of 1970. Whereas the Patriot Act was executed to lessen terrorist activities by the use of the internet, the Fair Credit Act was executed to give every American with be on a par with credit opportunities. The Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism, also well-known as the Patriot Act of 2001 was enacted in 2001. The Patriot Act was established to “deter and punish terrorist acts in the United States and around the world, to enhance law enforcement investigatory tools, and other purposes” (US). Table 1.1 below provides a synopsis of the sections of the Patriot Act involving financial institutions and their operations. Table 1.1 Sections of the Patriot Act of 2001 Section Purpose | 311 “Special Measures for Jurisdictions, Financial Institutions, or International Transactions of Primary Money Laundering Concern | 312 Special Due Diligence for Correspondent Accounts and Private Banking Accounts | 313 Prohibition on U.S. Correspondent Accounts with Foreign Shell...
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...Information Technology Acts Paper Mary Pickens BIS/220 September 6, 2012 Arthur Ward Information Technology Acts Paper There were many advances in the information technology industry that resulted in new ethical and legal issues deeming it necessary for the government to create and also implement Acts. The two that will be discussed in this paper are the Fair Credit Reporting Act of 1970 and the Telephone Consumer Protection Act (TCPA) of 1991. This paper will explain why these Acts were created and what they are to protect against. The Fair Credit Reporting Act of 1970 was created to promote accuracy, fairness, and the right to privacy of personal information assembled by Credit Reporting Agencies. These agencies create and compile information into reports on individuals and companies for businesses who may be issuing lines of credit or any other business dealing with lending money or receiving payments. Requesting these credit reports include organizations such as credit card companies, banks, employers, and in many cases landlords. What the Fair Credit Reporting Act of 1970 does is provides important protection for consumer investigatory reports, credit reports, and employment background checks. The Act was created due to the growth of the Retail credit industry and their ability to buy many of the smaller credit reporting agencies that were now expanding their business to insurers and employers. This gave them the power to deny services and opportunities...
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...Information Technology Act Greg Bennett BIS/220 January 15, 2013 Nikia Johnson Information Technology Act Information technology continues to forge ahead and has done so from day one. Technology, moving forward, and becoming more advanced and sophisticated, adds growing concern over the ethical integrity of that technology. In correlation with those concerns, the United States government implemented various acts to aid control in these concerns and combat unethical behavior. Given the number of implemented acts, this paper focuses on two specific sections: the Fair Credit Reporting Act of 1970, and the U.S. Patriot Act of 2001. The implementation of the Fair Credit Reporting Act of 1970 enabled each American to be on an even plane with credit opportunities. The government executed the U.S. Patriot Act in 2001, in part because of the atrocity of 9/11, to lessen terrorist activities by the use of the Internet and cyberspace. Fair Credit Reporting Act of 1970 The Fair Credit Reporting Act (FCRA) ordained to “protect consumers from the disclosure of inaccurate and arbitrary personal information held by consumer reporting agencies” (Consumer Privacy Guide (2001). The Fair Credit Reporting Act (1970). 2001). At the time when this act was established, American citizens were not viewed equally by credit facilities when attempting to purchase homes or vehicles. This act was a means of governing and guaranteeing equal opportunity and consideration for these...
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...Information Technology Act Paper Dannie Roettger BIS220 February 14, 2013 Paul Kirchner Information Technology Act Paper In the ever changing fast paced world of information technology where information is bought, sold and traded for financial gain. Our governments have had to invent laws to ensure that our personal information is safe and not being used improperly. Two of the laws or acts we will explore in this paper are the Telephone Consumer Protection Act and the Fair Credit Reporting Act of 1970. We will look why these laws were enacted and the benefits that have come from these acts. The first act we are going to look at is the telephone consumer protection act. The Telephone Consumer Protection Act or the TCPA was passed on December 20, 1991 and went in to affect just one year later ("Telephone Consumer Protection Act (tcpa)", 2012). This act was put in place to stop the harassing telemarketers and regulate the selling of personal information. The TCPA was passed to regulate telemarketers and to add some ethical guidelines to their operating practices. Some of the benefits that came from the TCPA was telemarketers could only call residents between the hours of 8 AM and 9 PM. Another regulation that came from the telephone consumer protection act was the No Call List ("Telephone Consumer Protection Act (tcpa)", 2012). If a person requested to be on the no call list the telemarketer must place that consumer on the no call list and not call the consumer again....
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...format is good. Grade 10/10 Acts of Information Technology Maurice Smith BIS/220 October 3, 2011 Joseph Bergeon Acts of Information Technology In a world of information and increased technological advances, people are subject to more issues crossing an ethical boundary of privacy than ever before in history. Throughout history, technology and its benefits have created enormous impact, both positive and negative, on society. In reviewing more current history, technological advances have created a new societal need to develop and initiate The Fair Credit Reporting Act of 1970 and The Telephone Consumer Protection Act of 1991. The Fair Credit Reporting Act of 1970 was during a time when consumer’s private information was fraudulently and incorrectly reported to credit reporting agencies. The advances in use of the information through computers that generated profiles and lists caused consumers to initiate complaints privacy and rights were violated. This act was designed to monitor the collection, dissemination, and use of consumer information that was provided by such computer generated lists and protect consumers. Many consumers were identified falsely as poor credit consumers and flagged at the credit bureau agencies without notification resulting in a poor credit standing. The result of the complaint is a requirement that credit reporting agencies must provide consumers with a copy of their credit reports, notify consumers when...
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...Fair Credit Reporting Act 1970 University Of Phoenix BIS/220 Professor Bob Branch Congress enacted the Fair Credit Reporting Act in 1970 because the improper use of credit records. The reporting agencies put in place procedures for meeting the needs of commerce for consumer credit, personal insurance, and other information in a manner that is fair to the consumer, which is confidential, accurate, relevant, and properly used (Maurer & Thomas, 1997). The fair credit report act even has an impact on how employers conduct outside investigations on employees. The FTC made an amendment to the Fair Credit Report Act making newly expanded disclosures notification and consent requirements to apply to employers who use the Fair Credit Report Act when making employment decisions (Morgan, Owens & Gomes, 2000). Employers are required to provide in writing to employee’s using clear understandable language, stating that a consumer investigative report may be obtained for employment purposes. Employer must give notice to employee separate from any other disclosures. Employer must also give written consent before he or she can investigate further. If an employer decides that an investigation is an appropriate action second notice disclosure must be given to the employee. The employer has three days to request an investigative report for an outside consumer reporting agency. A third notice must be given to the employee of the nature of the investigation only if the employee requests...
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...policy that have passed through the years. The Fair Credit Reporting Act of 1970 and the Health Insurance Portability and Accountability Act (HIPAA) of 1996 were just a couple of policies effected by the impact of information technology. The policies were made to protect the American citizens in ways of obtaining free credit reports and the privacy of personal medical records, which individually will be discussed in the essay. "You hear the terminology Fair Credit Reporting Act and you think that's an act that only applies to credit reports," Paul Stephens (Dilworth, 2012). One would think this quote is right, but it is the complete opposite. In 1970, the Fair Credit Reporting Act was established to help citizens from getting ridiculed by massive organizations that wanted to use his or her credit reports against them. The organizations acquired the information that was only available to them and was not intended to be shared. The policy permitted everyone the right to keep track of his or her own credit report. This gives the companies restricted access to credit reports which under F.C.R.A one cannot share information with anyone, cannot affect him or her from getting a job, one needs permission to access information, and one can get a free credit report once a year (Dilworth, 2012) . As a result private and local organizations were starting to keep a tally on credit reports that ultimately created the national credit reporting system. To accomplish something of this magnitude...
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...Information Technology Acts BIS/220 Rassoul Allizadeh Information Technology Acts What were the advances in information technology that resulted in new ethical issues necessitating the creation of each act? The necessities for creating the fair credit reporting act of 1970, was to control the redistribution of one’s consumer information. As information technology grows, the necessities of many others things grow as well. As we progress over the years more and more people seem to fall under the cracks of identity theft. Not only are people smarter, but can get away with things too. There are specific reasons to why we adhere to rules and acts that protect us individuals and rights. On the other hand, some of the reasons why it was a necessity to create the act was due to the fact that many people were being incorrectly reported to the credit reporting agencies. Another major reason was due to consumers applying for certain advantages and got denied, consumers did not know why or what was in their file that concluded rejection. The fair credit reporting act of 1970 allowed the consumer to request and or allow the bank or credit agency to give the consumer a copy of their credit report. With that said, if the consumer did find any incorrect information in the report, then the consumer had the opportunity to dispute any incorrect information recorded. Following, is the creation of Health Insurance Portability and accountability Act (1996). This act was created to protect...
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...Information Technology Acts Paper Amanda Hernandez-Cornelio BIS/220 – Introduction to Computer Applications and Systems Gang Yang May 4, 2014 Information Technology Acts Paper The world is full of information and technology. As technology advances an issue with ethical boundaries of privacy has grown more and more in the last century. Throughout history, the advantages of technology have shaped a vast impression, both negative and positive, on our culture. In studying more present history, technical developments have designed a new general need to progress and initiate The Telephone Consumer Protection Act of 1991and The Fair Credit Reporting Act of 1970. The Telephone Consumer Protection Act of 1991 was formed because of the vast amount of consumer complaints of continuous, disturbing telemarketing calls to people’s homes. Families would be home relaxing, enjoying each other’s company and the calls from telemarketers would never end. The telemarketing companies were obtaining information from computer made lists that were from subscribers of telephone services. This was an attempt to sell numerous amounts of items or promotions, deals. The increase of frustrated consumers voiced their concern for privacy. The rights and privacy of consumers were protected under this act. It granted the consumer to have an option to request that they be put on a “Do Not Call” list. Phone companies and telemarketers are to obey there request, if they do not a fine is set into place of...
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...Protection Act, 2000: The children internet Protection Act of 1970 (CIPA) the law came into place to slow children from reading and watching “pornography” or explicit content when on the internet. The United State Congress set a bill in place that was intended to limit a child exposure of what they may see when in or out of home or public places. CIPA states that any image, graphic file or visual depiction that is simulated normal or perverted acts according to (Sec. 1703 (b) (2), 20 U.S.C. sec 3601(a) (5) (F). The public libraries association (ALA) made a stand to challenge and add a filtering software to key words leading to sex know websites, although some of the public believed that their First Amendment rights to look and to search items was being taken away. There was no way the library could set their computer to filter was for research only and what was for harmful for children. As of 2014 CIPA allows technology software to be install in all public computers and allows the history to be record to the FBI and other law agencies. Fair Credit Reporting Act 1970: The Fair Credit Reporting know as United States Federal law (15 U.S.C. § 1681) to allow the public information and Fair Debt Collection Practices Act (FDCPA) which was passed in 1970 by the purpose of this act was to insure that banks records report all transactions such as US currency to the Department of Treasury they title this as amendment (VI to the Consumer Credit Protection Act, Pub.L. 90–321...
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...Information Technology Acts Terry Sullivan BIS/220 March 7, 2014 Dr. Bruce D. Swanson Technology is constantly changing, and expanding, becoming more improved, and even more dangerous in some ways. Many people are gaining access to other people's personal information, from financial, to credit, and even information about their everyday lives. With such things being more accessible it makes it necessary to make certain changes, and to create certain laws protecting people from unlawfully obtaining and using other people's information, thus the reason the Fair Credit Reporting Act, and the Family Educational Rights and Privacy Acts were created. The Fair Credit Reporting Act (FCRA) (15 U.S.C. § 1681 et seq.) regulates the use of consumer’s credit information. Every person has the right to know what is on their credit report. People can be denied services, and even jobs because of what may be on their credit report; if someone denies you for anything based on what is in your credit report they are required to give you the information to where they gained access to that credit information about you for which that decision was based. The Fair Credit Reporting Act requires banks to maintain certain records in order to verify that credit reports are reliable. The Fair Credit Reporting Act was created because during this time consumer's information was being fraudulently used, and reported to credit reporting agencies. The Fair Credit Reporting Act was created to monitor the...
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...Information Technology Acts Paper BIS/220 October 3, 2012 With the internet changing constantly every day the United States Congress are implementing many legislative acts to address concerns with the usage of different kinds of technology. There are many advances in information technology that resulted in ethical issues such as the creation of the Children’s Internet Protection Act (CIPA) which was put into law in the year of 2000 by Congress. This law addresses any concerns about access to offensive content on the internet in the schools and libraries. Children and teenagers are exposed to the internet daily in schools, public, and at home. The internet can expose children to inappropriate material and predators online. The schools and libraries must enforce an Internet safety policy that contains protection measures, which block or filter the internet access to images that are obscene, child pornography, and what is harmful to minors. The main purpose of the act is to protect children from the dangers that the internet has ("Federal Communications Commission", n.d.). The No Electronic Theft (NET) Act was enacted by Congress in 1997 to help prosecute of copyright violations on the internet. It makes it a federal crime to copy, distribute, and share copies of electronic works that are copyrighted, such as movies, games, and music. Also applicable in means of making copyrighted material available over networks. Before this Act was passed people who purposely distributed...
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...Information Technology Acts Paper Jamie Smith BIS / 220 April 14, 2014 John Maloney Information Technology Acts Paper Since the dawn of computer based technology, ever evolving laws, legislation, and acts are created for the protection of the public as more and more security risks are identified. As technology grows, so do the potential abuses of the availability of data, personal information, has required law makers to address the issues and enact penalties that are associated with those abuses. Among many of the legislative acts passed due to the advancement of technology, the two acts that will be described help protect the consumer, the creditors, the government, and the public in general. The Telephone Consumer Protection Act, (TCPA), 1991 was created due to the advancement of telephone technology and the data available made cause for concern for the interests of the public. Another concern for abuse necessitating the need for legislation was the Fair Credit Reporting Act (FCRA), 1970. The FCRA was put in place to protect the accuracy and fairness of creditor reporting to the major credit bureaus. Information technology advances and the uses and abuses of them, necessitated the TCPA, 1991 and FCRA, 1978 acts as well as the amendments since inception due to further technological advances. The Telephone Consumer Protection Act of 1991 was enacted to require the Federal Communications Commission...
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...Clarence Wheeler, Jr. In the 1970’s, technology was beginning to rapidly change the way the financial sector completed transactions and held records. Many records had changed to being stored electronically and the use of debit cards and electronic banking transactions had begun. This created a higher possibility for fraudulent activity. As records were being stored electronically and information being transferred the same way, consumers’ information was at risk. Regulations had to be put in place to control this activity. The Fair Credit Reporting Act (FCRA), was enacted in 1970 to create guidelines for Credit Reporting Agencies (CRA). CRAs had operated in a way that employees had to meet a quota for offering credit and declining credit to consumers. This created some fraudulent activity and unethical changes made to consumers’ credit reports. Consumers, at this time, had no right to view what was on their credit reports. The government realized this was unacceptable and unethical and created the FCRA to protect consumers. (The Fair, 2011) CRAs were also basing credit worthiness on factors that shouldn’t matter for extending credit. They were looking at things such as religion, sexual orientation and gender to make these decisions. The government put a stop to this with the FCRA. It is now illegal to make such decisions based on personal traits such as these. CRAs must use the same criteria with all consumers to remain fair. The act also requires certain measures...
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...IT Act Paper What were the advances in information technology that resulted in new ethical issues necessitating the creation of each act? Do Not Call Implementation Act, 2003 Before the 2003 Do Not Call Act existed so many telemarketers would call at all hours of the day and in turn resulted in so much unsolicited phone calls. People tried everything in their means to stop these calls but had no foundation to rely on. Due to the complaints of so many people to the Federal Communications Commission (FCC) created a Do Not Call Registry. With the registry one can choose online or by telephone at no cost to register their number to be placed on a Do Not Call List. All Telemarketers and sellers are required to search the registry at least once every 31 days and drop from their call lists the phone numbers of consumers who have registered. Also if you have a caller id all telemarketers are required to unblock their numbers when placing a call and you will then have the choice to answer or click. All information provided can be found on the www.fcc.gov website. Fair Credit Reporting Act, 1970 The Fair Credit Reporting Act, 1970 originally the law was primarily of interest to banks and consumer reporting agencies (CRA) and businesses which sent information to them. Today, this law applies to a wide variety of organizations that collect personal information from you directly, as well as from public records. In 2003 the law was amended by the Fair and Accurate Credit Transactions...
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