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Information Technology Acts

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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 Banks | 314 Cooperative Efforts to Deter Money Laundering | 319 (b) Bank Records Related to Anti-Money Laundering Programs | 325 Concentration Accounts at Financial Institutions | 326 Verification of Identification | 351 Amendments Relating to Reporting of Suspicious Activities | 352 Anti-Money Laundering Programs | 356 Reporting of Suspicious Activities by Securities Brokers and Dealers; Investment Company Study | 359 Reporting of Suspicious Activities by Underground Banking Systems | 362 Establishment of Highly Secure Network” |
*Information retrieved from FINCEN (n.d.). USA Patriot Act. Retrieved from http://www.fincen.gov/statutes_regs/patriot.
This act lets the government to overseer financial institutions for possible money laundering for the reason of terrorist activities. This consist of local and foreign financial institutions. The Patriot act as well obliges that the institutions being watched to state every significant transactions, as well as the destination and intention of the transaction. Any inconsistencies and doubtful activities are to be reported as well. The Patriot Act implement the sections described Table 1.1 and penalize any financial institution who fails to act in accordance with. Several of these dealings transpired through online banking services. At the same time as these online transactions intensify the security terrorization plea for further involvement and an action plan much like the Patriot act to lessen terrorization. Regrettably many people perceived this act as an infringement of their privacy. For instance: even as a person may possibly execute hefty local and international financial transactions online, the government is tolerable to freeze these dealings and the personal account assuming the transaction is believed a terrorist risk.
To lessen terrorist activity the Patriot act as well subjects people to background checking at the time of opening a financial account. Banks or other pay- option sites like PayPal frequently validate an individual for a few days prior to permitting the individual to make use of their account.
The Fair Credit Reporting Act, as well known as FCRA, was enacted to “protect consumers from the disclosure of inaccurate and arbitrary personal information held by consumer reporting agencies” (Consumer Privacy, 2001, ¶1). When this act was established, American considered necessary the credit facilities to buy homes and vehicles. The act was a means to guarantee that all American were treated fairly equal. Americans are ranked on a level to ascertain whether they are consistent basing on their credit record. Table 1.2 recapitulate the sections of the FCRA.
Table 1.2 Sections of the Fair Credit Reporting Act in 1970 Section Work | 601 “Short title | 602 Congressional findings and statement of purpose | 603 Definitions; rules of construction | 604 Permissible purposes of consumer reports | 605 Requirements relating to information contained in consumer reports | 605A Identity theft prevention; fraud alerts and active duty alerts | 605B Block of information resulting from identity theft | 606 Disclosure of investigative consumer reports | 607 Compliance procedures | 608 Disclosures to governmental agencies | 609 Disclosures to consumers | 610 Conditions and form of disclosure to consumers | 611 Procedure in case of disputed accuracy | 612 Charges for certain disclosures | 613 Public record information for employment purposes | 614 Restrictions on investigative consumer reports | 615 Requirements on users of consumer reports | 616 Civil liability for willful noncompliance | 617 Civil liability for negligent noncompliance | 618 Jurisdiction of courts; limitation of actions | 619 Obtaining information under false pretenses | 620 Unauthorized disclosures by officers or employees | 621 Administrative enforcement | 622 Information on overdue child support obligations | 623 Responsibilities of furnishers of information to consumer reporting agencies | 624 Affiliate sharing | 625 Relation to state laws | 626 Disclosures to FBI for counterintelligence purposes | 627 Disclosures to governmental agencies for counterterrorism purposes | 628 Disposal of records | 629 Corporate and technological circumvention prohibited” |
*Information retrieved from Consumer Privacy Guide (2001). The Fair Credit Reporting Act (1970). Retrieved from http://www.consumerprivacyguide.org/law/fcra.shtml.

When persons submit an application for credit, their name and other data is track by way of a database to get back their credit records. Assuming a person’s credit is refused the credit bureau is answerable mailing a letter explaining the basis for the refusal. Furthermore, all persons is entitled for an annual free credit. The government will probe any inaccuracy on a credit report contested by a person.
It does not matter which act is applied provided that information technology keeps on to evolve security will persist to be an issue. Accordingly the government will carry on executing acts to guard the citizens and nation. Regrettably this safeguard extends at the costs of privacy and civil right violations.

References

FINCEN (n.d.). USA Patriot Act. Retrieved fromhttp://www.fincen.gov/statutes_regs/patriot.
Consumer Privacy Guide (2001). The Fair Credit Reporting Act (1970). Retrieved from
http://www.consumerprivacyguide.org/law/fcra.shtml

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