American consumers have become accustomed to obtaining instant credit, which is possible only because credit bureau allow quick verification of the creditworthiness of borrowers. In order to work, however, this process requires credit bureau to have access to sensitive financial information about individuals, compiled largely without their consent. In 1996, Congress amended the Fair Credit Reporting Act (FCRA) to allow credit bureaus to continue these practices, superseding state laws that might have obstructed them. With the expiration of these amendments in 2004, many states are suggesting that new amendments to the FCRA allow them to impose their own restrictions on the use and content of credit reports. regulating credit bureau. How this controversy is resolved will have an important bearing on the operation of credit markets and financial privacy in the future. The authors make the case for continued federal preemption of the states in this area. Without it, the authors argue, the consumer credit system that has developed in the US will be put in jeopardy.

Electronic information networks offer extraordinary advantages to business, government, and individuals in terms of power, capacity, speed, accessibility, and cost. But these same capabilities present substantial privacy issues. With an unprecedented amount of data available in digital format--which is easier and less expensive to access, manipulate, and store--others know more about you than ever before.

Consider this: data routinely collected about you includes your health, credit, marital, educational, and employment histories; the times and telephone numbers of every call you make and receive; the magazines you subscribe to and the books your borrow from the library; your cash withdrawals; your purchases by credit card or check; your electronic mail and telephone messages; where you go on the World Wide Web. The ramifications of such a readily accessible storehouse of information are astonishing.

Governments have responded to these new challenges to personal privacy in a wide variety of ways. At one extreme, the European Union in 1995 enacted sweeping regulation to protect personal information; at the other extreme, privacy law in the United States and many other countries is fragmented, inconsistent, and offers little protection for privacy on the internet and other electronic networks.

For all the passion that surrounds discussions about privacy, and the recent attention devoted to electronic privacy, surprisingly little consensus exists about what privacy means, what values are served--or compromised--by extending further legal protection to privacy, what values are affected by existing and proposed measures designed to protect privacy, and what principles should undergird a sensitive balancing of those values.

In this book, Fred Cate addresses these critical issues in the context of computerized information. He provides an overview of the technologies that are provoking the current privacy debate and discusses the range of legal issues that these technologies raise. He examines the central elements that make up the definition of privacy and the values served, and liabilities incurred, by each of those components. Separate chapters address the regulation of privacy in Europe and the United States. The final chapter identifies four sets of principles for protecting information privacy. The principles recognize the significance of individual and collective nongovernmental action, the limited role for privacy laws and government enforcement of those laws, and the ultimate goal of establishing multinational principles for protecting information privacy.

Privacy in the Information Age involves questions that cut across the fields of business, communications, economics, and law. Cate examines the debate in provocative, jargon-free, detail.

When Edward Snowden began leaking NSA documents in June 2013, his actions sparked impassioned debates about electronic surveillance, national security, and privacy in the digital age. The Snowden Reader looks at Snowden's disclosures and their aftermath. Critical analyses by experts discuss the historical, political, legal, and ethical issues raised by the disclosures. Over forty key documents related to the case are included, with introductory notes explaining their significance: documents leaked by Snowden; responses from the NSA, the Obama administration, and Congress; statements by foreign leaders, their governments, and international organizations; judicial rulings; findings of review committees; and Snowden's own statements. This book provides a valuable introduction and overview for anyone who wants to go beyond the headlines to understand this historic episode.

When Edward Snowden began leaking NSA documents in June 2013, his actions sparked impassioned debates about electronic surveillance, national security, and privacy in the digital age. The Snowden Reader looks at Snowden's disclosures and their aftermath. Critical analyses by experts discuss the historical, political, legal, and ethical issues raised by the disclosures. Over forty key documents related to the case are included, with introductory notes explaining their significance: documents leaked by Snowden; responses from the NSA, the Obama administration, and Congress; statements by foreign leaders, their governments, and international organizations; judicial rulings; findings of review committees; and Snowden's own statements. This book provides a valuable introduction and overview for anyone who wants to go beyond the headlines to understand this historic episode.

This is an open access title available under the terms of a CC BY-NC-ND 4.0 International licence. It is free to read at Oxford Scholarship Online and offered as a free PDF download from OUP and selected open access locations. This book is the culmination of nearly six years of research initiated by Fred Cate and Jim Dempsey to examine national practices and laws regarding systematic government access to personal information held by private-sector companies. Leading an effort sponsored by The Privacy Projects, they commissioned a series of country reports, asking national experts to uncover what they could about government demands on telecommunications providers and other private-sector companies to disclose bulk information about their customers. Their initial research found disturbing indications of systematic access in countries around the world. These data collection programs, often undertaken in the name of national security, were cloaked in secrecy and largely immune from oversight, posing serious threats to personal privacy. After the Snowden leaks confirmed these initial findings, the project morphed into something more ambitious: an effort to explore what should be the rules for government access to private-sector data, and how companies should respond to government demands for access. initiated by Fred Cate and James Dempsey to examine the This book contains twelve updated country reports plus eleven analytic chapters that present descriptive and normative frameworks for assessing national surveillance laws, survey evolving international law and human rights principles applicable to government surveillance, and describe oversight mechanisms. It also explores the concept of accountability and the role of encryption in shaping the surveillance debate. Cate and Dempsey conclude by offering recommendations for both governments and industry.