By Congressman Joe Pitts
Shortly
before Christmas, during the midst of the busy shopping season, hackers
stole 40 million credit card numbers from Target. The same hack yielded
70 million records
for customers’ phone numbers, e-mail addresses, and home addresses.
High-end department store chain Neiman Marcus got hit by a similar
attack. Some of their customers reported fraudulent charges on their
cards.
Identity
theft is a huge and growing problem. According to the Department of
Justice, more than 16 million Americans were hit with identity theft in
2012. Financial losses totaled more than
$24 billion in that year.
The
vast majority of victims find out that their identity has been
compromised because a financial institution has informed them. If a
consumer doesn’t get informed promptly, the damage can
be significant. Half of people who took more than six months to get
their identity theft cleared up reported facing severe emotional
distress.
Perhaps
the worst part of identity theft is that the victim usually wasn’t
doing anything risky. In 2014, almost everyone uses a debt or credit
card at the cash register.
This
year, Americans are for the first time required by law to have health
insurance. To meet the requirements of Obamacare, that has to be a
government-approved plan. Whether you sign up for
a plan through a navigator, or on the phone, or by paper, the
application is entered onto the website. Tens of millions of Americans,
even if they didn’t buy a plan, submitted personal information to
Healthcare.gov and other state sites.
Most
people know what a disaster Healthcare.gov has been. Most users
couldn’t get through their application without it crashing until the
beginning of December. According to testimony given
in Congress in the last week, parts of the website hidden from
consumers are still being worked on. The government recently chose not
to renew the contract of the lead website designer, CGI Federal.
In
some of the states, their own website projects have been even more of a
disaster. Oregon’s site has never been functional and all applications
are being processed on paper by hand. Massachusetts
also hired CGI Federal to construct their website and is now thinking
about suing the company. Maryland has faced a host of problems and the
site is now an issue in the Democratic primary for governor with
accusations being traded between the candidates. The
executive director of Minnesota’s site resigned after it was discovered
that she went on a tropical vacation as the website was down for
repairs.
With
all these problems, there are tremendous concerns that the sites lack
proper security controls. Shortly before the website went live, one
federal official refused to sign the security
statement believing that there was a great risk of endangering personal
information.
Even
systems thought to be secure face new and exotic attacks. A relatively
new system full of glitches and sloppy fixes is even more at risk. At
the beginning of the year, I introduced legislation
to require the government to alert individuals if their personal
information has been stolen or inadvertently disclosed. Whenever there
is a breach, the Department of Health and Human Services would have two
business days to alert consumers.
This
bill passed the House with overwhelming support from both Republicans
and Democrats. With 291 yes votes, the bill had a veto-proof majority.
The
House followed this up the next week by passing a bill introduced by my
colleague Rep. Lee Terry (R-NE) that would require the government to
give weekly reports of basic information about
the website. This would include information on problems and glitches
facing website users. This bill also passed with 33 Democrats supporting
it.
Despite
promises, the Obama administration has been anything by transparent,
especially when it comes to Obamacare. In the more than three months
that the website has been up, they have only
provided basic data three times. That is unacceptable considering how
easy it would be to provide it to Congress and the public more
regularly.
The
American people have a right to know what is going on with
Healthcare.gov and other exchange websites. Security and transparency
have to be priorities when personal information is being
stored in government databases.
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US Rep. Joe Pitts is a Republican who represents Pennsylvania's 16th Congressional District, which includes parts of Berks, Chester and Lancaster counties.
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