What Is The Identity Theft Prevention Act?
Getting into just exactly what is the identity theft protection act depends greatly on which "protection act" you're referring to. Probably the most prominent of all governmental laws aimed at protecting consumers from the modern-day crime of identity theft is the North Carolina Identity Theft Protection Act of 2005. This was not one singular "act" passed by the North Carolina legislature; it is a series of broad, generalized laws that take aim at identity theft and its rising prominence within the digital-criminal subculture.
Senator Dan Clodfelter (D) introduced the bill in North Carolina's General Assembly in 2005, as proposed by the state Attorney General Roy Cooper III. The set of laws instructed businesses, charities and governments to notify consumers if any of their personal information was put at risk that could result in identity theft, also giving them the ability to "freeze" their credit report in case of worry. If, in the worst case scenario, you (a citizen of North Carolina) were a victim of ID theft, this bill also gives you the right to sue for civil damages relating to the security breach.
The Identity Theft Protection Act within North Carolina was not the only governmental protection relating to ID theft. In fact, many states such as Texas, Washington, Virginia, Colorado, Delaware, Connecticut, Tennessee, Florida, Rhode Island, Pennsylvania, Louisiana, Georgia, Ohio, New Mexico, North Dakota, Minnesota, Maine, Nevada and Montana have all passed similar anti-identity theft laws within their legislatures.
The Oregon Identity Theft Protection Act of 2007 was passed to give consumers a large amount of tools to combat anyone who tries to steal their identity. For example, the famed "security freeze" advocated in the 2005 North Carolina bill was also introduced here, as well as "fraud alert." In effect, Oregon has managed to curb identity theft by being one the pioneer states in attacking the onslaught of identity thieves and those who wish to harm our reputation by digitized means.
While there is still much to be done legally in respect to making identity theft protection more accessible to the masses, many states have already begun the process. The nearly universal support of protectionist government programs designed to take out ID theft will no doubt lead to a federal law helping the American consumer fight these credit-ruining cowards.