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"content": "\u003cp>The FBI’s Internet Crime Complaint Center received nearly 56,000 reports related to personal data breaches in 2023. And according to the \u003ca href=\"https://www.idtheftcenter.org/\">Identity Theft Resource Center\u003c/a> in San Diego County, a nonprofit that offers free advice to victims of such data breaches, California, the most populous state, had the most overall complaints in the United States last year.\u003c/p>\n\u003cp>I wrote earlier about my own experience of having my phone hacked in \u003ca href=\"https://www.kqed.org/news/12009921/its-time-to-get-paranoid-about-your-phone-says-this-security-expert\">this KQED story\u003c/a> — and how phones have become the newest target of such data breaches. \u003ca href=\"https://www.kqed.org/news/12009921/its-time-to-get-paranoid-about-your-phone-says-this-security-expert\">Read more about which settings to enable to reduce your chances of suffering a data breach\u003c/a>.\u003c/p>\n\u003cp>But if this does happen to you, what should you do? I spoke to the head of the Identity Theft Resource Center’s victim services team to find out the steps you should immediately take if your phone is breached by someone you don’t know. (KQED is honoring the organization’s request to keep her name anonymous, as the Center says it’s the frequent target of digital attacks in retaliation for its work.)\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003ch2>Remove the malicious software\u003c/h2>\n\u003cp>Even if the attackers have been inside your phone for a short time, you should assume they have seen a lot of critical information, and you should act accordingly.\u003c/p>\n\u003cp>First, you should scrub your device or computer of any malware or spyware you might find through scanning and removal tools offered by a legitimate, recognizable company. For Windows computers, Microsoft offers a \u003ca href=\"https://www.microsoft.com/en-us/download/details.aspx?id=9905\">malicious software removal tool\u003c/a>.\u003c/p>\n\u003cp>If you still see signs of infection, such as slowness, freezing up or unexpected shutdowns, you may have to wipe your entire machine, which resets it to its factory state. Keep in mind that if you reinstall a backup of your data onto a newly scrubbed device or computer — from an external drive, for instance — you have to make sure your backup source doesn’t also include the malware.\u003c/p>\n\u003cp>If you aren’t comfortable doing this yourself, major tech retail companies like Apple and Microsoft offer services you can use.\u003c/p>\n\u003cp>Abandoning your hardware altogether isn’t usually required if it has been wiped and reset, the Identity Theft Resource Center says. However, some malware can remain well-hidden, and it’s possible your computer or device might become reinfected. If you know for sure that is the case, or if you are \u003cem>still\u003c/em> seeing signs of infection, it might be time to get a new one. (This is what I did with both my computer and phone. I felt so thoroughly spied upon that I thought about getting rid of my TV, my Blu-Ray player and my cats as well.)\u003c/p>\n\u003ch2>Don’t reset passwords too early\u003c/h2>\n\u003cp>If you go online to reset passwords and take other steps to protect yourself but do it with a device that is still compromised, the hackers may see the changes you’ve made, and you’ll be right back where you started.\u003c/p>\n\u003cp>Keep this in mind as well: If someone has stolen your iCloud or Google credentials — which is what happened to me — getting a new phone, a new cell provider, a new phone number or even all three won’t help.\u003c/p>\n\u003cp>That’s because it’s the individual Apple/iCloud or Google account itself that the hackers penetrated. If you think that may be the case for your iCloud account, go to an Apple Store and have them walk you through getting a new ID. For Google, you can take the steps \u003ca href=\"https://support.google.com/accounts/answer/6294825\">listed here\u003c/a>.\u003c/p>\n\u003ch2>Secure your assets and prevent ID theft\u003c/h2>\n\u003cp>You will need to take steps to prevent criminals from using any information they obtain to impersonate you.\u003c/p>\n\u003cp>\u003cstrong>1. Credit reports\u003c/strong>\u003c/p>\n\u003cp>Contact all three credit reporting agencies to place a fraud alert and security freeze on your credit reports. You should also obtain credit reports and review them for any activity you don’t recognize.\u003c/p>\n\u003cp>\u003ca href=\"https://www.equifax.com/personal/credit-report-services/credit-freeze/\">Equifax\u003c/a>: 1-800-525-6285\u003c/p>\n\u003cp>\u003ca href=\"https://www.experian.com/freeze/center.html\">Experian\u003c/a>: 1-888-397-3742\u003c/p>\n\u003cp>\u003ca href=\"https://www.experian.com/freeze/center.html\">Transunion\u003c/a>: 1-800-680-7289\u003c/p>\n\u003cp>\u003cstrong>2. Financial Institutions\u003c/strong>\u003c/p>\n\u003cp>Once you know your devices are safe, update all your passwords and add \u003ca href=\"https://www.cisa.gov/MFA\">multifactor authentication\u003c/a> — a combination of two or more identity verification methods — to your accounts. You may also need to do your banking in person for a while until you are sure all your devices are safe.\u003c/p>\n\u003cp>Contact your financial institutions to let them know what has occurred and ask them what additional steps you should take. At some, you can register a verbal password, which you will have to give to make any transaction. (Just don’t lose it.)\u003c/p>\n\u003cp>Consider changing your answers to the security questions that banks and other organizations use — just make them up. Again, make sure you record those fake answers for future use.\u003c/p>\n\u003cp>\u003cstrong>3. Driver’s license\u003c/strong>\u003c/p>\n\u003cp>You can submit a California DMV \u003ca href=\"https://www.dmv.ca.gov/portal/uploads/2020/07/inv35.pdf\">Fraud Review of Driver License/Identification form\u003c/a> to \u003ca href=\"mailto:dlfraud@dmv.ca.gov\">dlfraud@dmv.ca.gov\u003c/a> to request the agency look for any potential fraud using your information. On the form, you can explain how your driver’s license may have been compromised.\u003c/p>\n\u003cp>\u003cstrong>4. Social Security account\u003c/strong>\u003c/p>\n\u003cp>When your device is safe, create a \u003ca href=\"https://www.ssa.gov/myaccount/\">my Social Security\u003c/a> account online, if you don’t already have one, so you can monitor the wages and income being reported and see if anything looks amiss.\u003c/p>\n\u003cp>\u003cstrong>5. Taxes\u003c/strong>\u003c/p>\n\u003cp>\u003ca href=\"https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin\">Obtain an identity protection (IP) PIN\u003c/a> from the IRS. This six-digit number will help verify your identity when you file, and it will also prevent identity thieves from filing tax returns in your name. Anyone with a Social Security Number or an Individual Taxpayer Identification number can get a PIN.\u003c/p>\n\u003cp>Another safeguard is to file your taxes as early as possible, beating any potential fraudsters to the punch.\u003c/p>\n\u003cp>If you think your device has been compromised, see this \u003ca href=\"https://www.irs.gov/newsroom/when-to-file-an-identity-theft-affidavit\">IRS page\u003c/a> on the signs to look for that may indicate tax-related identity theft and what you should do. For California state taxes, see this \u003ca href=\"https://www.ftb.ca.gov/help/scams/identity-theft.html\">Franchise Tax Board Identity Theft page\u003c/a>.\u003c/p>\n\u003cp>\u003cstrong>6. Passkeys\u003c/strong>\u003c/p>\n\u003cp>The Identity Theft Resource Center recommends replacing your online passwords by setting up passkeys if they are offered, on your accounts. Passkeys are considered to be more secure than passwords because they generate a random code linked to the biometric identification method (fingerprint or face verification, for instance) you will use each time you log in to your device. The codes are invisible and inaccessible to any user, and because they are not stored by the institutions where you have accounts, they cannot be stolen in a data breach. This is not the case with passwords.\u003c/p>\n\u003cp>The ITRC says if you use passkeys, it’s critical that you activate the locking feature on your phone so that you have to verify yourself to regain access. That’s because if the device is stolen or your Apple or Google IDs are compromised, the thief may be able to gain easier access to your online accounts than if you still used passwords. You should also use and familiarize yourself with the Find My Device feature for \u003ca href=\"https://www.icloud.com/find\">iPhones\u003c/a> or Androids, so you can shut the phone off remotely if it is compromised.\u003c/p>\n\u003cp>\u003cstrong>7. Identity Theft Protection\u003c/strong>\u003c/p>\n\u003cp>You may want to consider signing up with an Identity Theft Protection company, which monitors activity on your credit cards and financial accounts and can search for breaches of your personal information on the dark web.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>The FBI’s Internet Crime Complaint Center received nearly 56,000 reports related to personal data breaches in 2023. And according to the \u003ca href=\"https://www.idtheftcenter.org/\">Identity Theft Resource Center\u003c/a> in San Diego County, a nonprofit that offers free advice to victims of such data breaches, California, the most populous state, had the most overall complaints in the United States last year.\u003c/p>\n\u003cp>I wrote earlier about my own experience of having my phone hacked in \u003ca href=\"https://www.kqed.org/news/12009921/its-time-to-get-paranoid-about-your-phone-says-this-security-expert\">this KQED story\u003c/a> — and how phones have become the newest target of such data breaches. \u003ca href=\"https://www.kqed.org/news/12009921/its-time-to-get-paranoid-about-your-phone-says-this-security-expert\">Read more about which settings to enable to reduce your chances of suffering a data breach\u003c/a>.\u003c/p>\n\u003cp>But if this does happen to you, what should you do? I spoke to the head of the Identity Theft Resource Center’s victim services team to find out the steps you should immediately take if your phone is breached by someone you don’t know. (KQED is honoring the organization’s request to keep her name anonymous, as the Center says it’s the frequent target of digital attacks in retaliation for its work.)\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003ch2>Remove the malicious software\u003c/h2>\n\u003cp>Even if the attackers have been inside your phone for a short time, you should assume they have seen a lot of critical information, and you should act accordingly.\u003c/p>\n\u003cp>First, you should scrub your device or computer of any malware or spyware you might find through scanning and removal tools offered by a legitimate, recognizable company. For Windows computers, Microsoft offers a \u003ca href=\"https://www.microsoft.com/en-us/download/details.aspx?id=9905\">malicious software removal tool\u003c/a>.\u003c/p>\n\u003cp>If you still see signs of infection, such as slowness, freezing up or unexpected shutdowns, you may have to wipe your entire machine, which resets it to its factory state. Keep in mind that if you reinstall a backup of your data onto a newly scrubbed device or computer — from an external drive, for instance — you have to make sure your backup source doesn’t also include the malware.\u003c/p>\n\u003cp>If you aren’t comfortable doing this yourself, major tech retail companies like Apple and Microsoft offer services you can use.\u003c/p>\n\u003cp>Abandoning your hardware altogether isn’t usually required if it has been wiped and reset, the Identity Theft Resource Center says. However, some malware can remain well-hidden, and it’s possible your computer or device might become reinfected. If you know for sure that is the case, or if you are \u003cem>still\u003c/em> seeing signs of infection, it might be time to get a new one. (This is what I did with both my computer and phone. I felt so thoroughly spied upon that I thought about getting rid of my TV, my Blu-Ray player and my cats as well.)\u003c/p>\n\u003ch2>Don’t reset passwords too early\u003c/h2>\n\u003cp>If you go online to reset passwords and take other steps to protect yourself but do it with a device that is still compromised, the hackers may see the changes you’ve made, and you’ll be right back where you started.\u003c/p>\n\u003cp>Keep this in mind as well: If someone has stolen your iCloud or Google credentials — which is what happened to me — getting a new phone, a new cell provider, a new phone number or even all three won’t help.\u003c/p>\n\u003cp>That’s because it’s the individual Apple/iCloud or Google account itself that the hackers penetrated. If you think that may be the case for your iCloud account, go to an Apple Store and have them walk you through getting a new ID. For Google, you can take the steps \u003ca href=\"https://support.google.com/accounts/answer/6294825\">listed here\u003c/a>.\u003c/p>\n\u003ch2>Secure your assets and prevent ID theft\u003c/h2>\n\u003cp>You will need to take steps to prevent criminals from using any information they obtain to impersonate you.\u003c/p>\n\u003cp>\u003cstrong>1. Credit reports\u003c/strong>\u003c/p>\n\u003cp>Contact all three credit reporting agencies to place a fraud alert and security freeze on your credit reports. You should also obtain credit reports and review them for any activity you don’t recognize.\u003c/p>\n\u003cp>\u003ca href=\"https://www.equifax.com/personal/credit-report-services/credit-freeze/\">Equifax\u003c/a>: 1-800-525-6285\u003c/p>\n\u003cp>\u003ca href=\"https://www.experian.com/freeze/center.html\">Experian\u003c/a>: 1-888-397-3742\u003c/p>\n\u003cp>\u003ca href=\"https://www.experian.com/freeze/center.html\">Transunion\u003c/a>: 1-800-680-7289\u003c/p>\n\u003cp>\u003cstrong>2. Financial Institutions\u003c/strong>\u003c/p>\n\u003cp>Once you know your devices are safe, update all your passwords and add \u003ca href=\"https://www.cisa.gov/MFA\">multifactor authentication\u003c/a> — a combination of two or more identity verification methods — to your accounts. You may also need to do your banking in person for a while until you are sure all your devices are safe.\u003c/p>\n\u003cp>Contact your financial institutions to let them know what has occurred and ask them what additional steps you should take. At some, you can register a verbal password, which you will have to give to make any transaction. (Just don’t lose it.)\u003c/p>\n\u003cp>Consider changing your answers to the security questions that banks and other organizations use — just make them up. Again, make sure you record those fake answers for future use.\u003c/p>\n\u003cp>\u003cstrong>3. Driver’s license\u003c/strong>\u003c/p>\n\u003cp>You can submit a California DMV \u003ca href=\"https://www.dmv.ca.gov/portal/uploads/2020/07/inv35.pdf\">Fraud Review of Driver License/Identification form\u003c/a> to \u003ca href=\"mailto:dlfraud@dmv.ca.gov\">dlfraud@dmv.ca.gov\u003c/a> to request the agency look for any potential fraud using your information. On the form, you can explain how your driver’s license may have been compromised.\u003c/p>\n\u003cp>\u003cstrong>4. Social Security account\u003c/strong>\u003c/p>\n\u003cp>When your device is safe, create a \u003ca href=\"https://www.ssa.gov/myaccount/\">my Social Security\u003c/a> account online, if you don’t already have one, so you can monitor the wages and income being reported and see if anything looks amiss.\u003c/p>\n\u003cp>\u003cstrong>5. Taxes\u003c/strong>\u003c/p>\n\u003cp>\u003ca href=\"https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin\">Obtain an identity protection (IP) PIN\u003c/a> from the IRS. This six-digit number will help verify your identity when you file, and it will also prevent identity thieves from filing tax returns in your name. Anyone with a Social Security Number or an Individual Taxpayer Identification number can get a PIN.\u003c/p>\n\u003cp>Another safeguard is to file your taxes as early as possible, beating any potential fraudsters to the punch.\u003c/p>\n\u003cp>If you think your device has been compromised, see this \u003ca href=\"https://www.irs.gov/newsroom/when-to-file-an-identity-theft-affidavit\">IRS page\u003c/a> on the signs to look for that may indicate tax-related identity theft and what you should do. For California state taxes, see this \u003ca href=\"https://www.ftb.ca.gov/help/scams/identity-theft.html\">Franchise Tax Board Identity Theft page\u003c/a>.\u003c/p>\n\u003cp>\u003cstrong>6. Passkeys\u003c/strong>\u003c/p>\n\u003cp>The Identity Theft Resource Center recommends replacing your online passwords by setting up passkeys if they are offered, on your accounts. Passkeys are considered to be more secure than passwords because they generate a random code linked to the biometric identification method (fingerprint or face verification, for instance) you will use each time you log in to your device. The codes are invisible and inaccessible to any user, and because they are not stored by the institutions where you have accounts, they cannot be stolen in a data breach. This is not the case with passwords.\u003c/p>\n\u003cp>The ITRC says if you use passkeys, it’s critical that you activate the locking feature on your phone so that you have to verify yourself to regain access. That’s because if the device is stolen or your Apple or Google IDs are compromised, the thief may be able to gain easier access to your online accounts than if you still used passwords. You should also use and familiarize yourself with the Find My Device feature for \u003ca href=\"https://www.icloud.com/find\">iPhones\u003c/a> or Androids, so you can shut the phone off remotely if it is compromised.\u003c/p>\n\u003cp>\u003cstrong>7. Identity Theft Protection\u003c/strong>\u003c/p>\n\u003cp>You may want to consider signing up with an Identity Theft Protection company, which monitors activity on your credit cards and financial accounts and can search for breaches of your personal information on the dark web.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>With mail theft on the rise over the past several years, federal and local officials are exploring new ways to keep documents, bills and packages safe — and out of the hands of thieves.\u003c/p>\n\u003cp>USPS says that postal inspectors — the officers that make up its own federal law enforcement arm, known as the US Postal Inspection Service — made over 1,200 arrests nationwide for letter carrier robberies and mail theft from May 2023 to March of this year.\u003c/p>\n\u003cp>The arrests stemmed partly from “law enforcement surges” the Inspection Service conducted, including two in San Francisco, in response to a sixfold increase in letter carrier robberies between fiscal years 2019 and 2022. The targeted surges bring in support from multiple agencies in addition to the USPIS, including the Department of Justice, the Postal Service Office of the Inspector General, other federal agencies, and local law enforcement.\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#preventmailtheft\">Jump straight to: Tips for reducing your risks of mail theft\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>There was also an 87% jump in reports of theft from “high-volume” mailbox clusters — often found at condominium or townhome complexes — during the same time frame.\u003c/p>\n\u003cp>Mail theft isn’t just inconvenient for those unlucky enough to be targeted. In addition to losing private documents, medicines or online purchases, mail theft “frequently results in identity theft, check fraud and other financial crimes,” Santa Clara County Undersheriff Ken Binder says.\u003c/p>\n\u003cp>Even as efforts ramp up to tamp down on mail theft, federal and local officials say there are some important steps you can take immediately to help keep your mail secure.\u003c/p>\n\u003cp>Be warned that while many of these tips are free or low-cost, some of their advice requires spending money on new or upgraded equipment and might not be appropriate for everyone.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003ch2>\u003ca id=\"preventmailtheft\">\u003c/a>Practice good mail management\u003c/h2>\n\u003cp>Collect your mail every day as soon as you can after it is delivered. Simply removing your mail from the box gives any would-be thieves less time to take what’s yours.\u003c/p>\n\u003cp>If you plan to be away from home, use the U.S. Postal Service’s \u003ca href=\"https://www.usps.com/manage/hold-mail.htm\">hold mail service\u003c/a> or ask a neighbor, friend or family member to pick up your mail and packages for you daily.\u003c/p>\n\u003cp>Remember that your outgoing mail — the stuff you send — can also be intercepted by thieves from postal collection boxes. The agency is actively working on replacing the familiar blue boxes with newer, more secure ones across the country. But you can also consider depositing your outgoing mail in secure locations, such as inside your local post office, at your place of business, or handing it directly to a letter carrier, the USPS says.\u003c/p>\n\u003cfigure id=\"attachment_11997185\" class=\"wp-caption alignnone\" style=\"max-width: 865px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11997185\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-2161988416-e1721854441789.jpg\" alt=\"\" width=\"865\" height=\"544\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-2161988416-e1721854441789.jpg 865w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-2161988416-e1721854441789-800x503.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-2161988416-e1721854441789-160x101.jpg 160w\" sizes=\"(max-width: 865px) 100vw, 865px\">\u003cfigcaption class=\"wp-caption-text\">Close-up of a US Mail box with a label indicating approval by the Postmaster General, West Jack London Boulevard, Livermore, Alameda County, on July 13, 2024. \u003ccite>(Smith Collection/Gado/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch2>\u003cstrong>Track your mail so you’ll know if it hasn’t arrived\u003c/strong>\u003c/h2>\n\u003cp>Sign up for the U.S. Postal Service’s free \u003ca href=\"https://www.usps.com/manage/informed-delivery.htm\">Informed Delivery\u003c/a> program. You’ll receive an email each morning with a preview of what your mail carrier will be delivering to your mailbox that day, and you can track and manage package deliveries, as well.\u003c/p>\n\u003cp>Law enforcement officials say knowing what mail to expect each day can help you notice immediately if something is missing.\u003c/p>\n\u003cp>For important documents or packages, ask the sender to use \u003ca href=\"https://faq.usps.com/s/article/Certified-Mail-The-Basics\">Certified Mail\u003c/a> or a delivery service that offers tracking and alerts so you know when to expect delivery. If possible, consider requiring a signature upon delivery for things you purchase online so they don’t end up in the wrong hands, Binder says.\u003c/p>\n\u003ch2>\u003cstrong>Make your mailbox more secure\u003c/strong>\u003c/h2>\n\u003cp>Consider installing a security camera or doorbell camera with a clear view of your mailbox and entryway so you can monitor who approaches your mailbox.\u003c/p>\n\u003cp>Install a secure, lockable mailbox to replace your current one. Some models offer more features than others, including tines or combs to prevent mailbox fishing once items are inside. Depending on size and features, some locking mailboxes can cost around $25, while others range much higher, selling for around $100 or more.\u003c/p>\n\u003ch2>\u003cstrong>If your mailbox is targeted, report it swiftly\u003c/strong>\u003c/h2>\n\u003cp>If your mail is stolen, report it as soon as possible by submitting an online complaint to the Postal Inspection Service at \u003ca href=\"http://uspis.gov/report\">uspis.gov/report\u003c/a> or calling 877-876-2455.\u003c/p>\n\u003cp>Report suspicious activity near mailboxes, either by calling 911 (if it’s happening in the moment) or by contacting your local police department or sheriff’s department through a non-emergency line.\u003c/p>\n\u003cfigure id=\"attachment_11997181\" class=\"wp-caption alignright\" style=\"max-width: 1024px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11997181\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-1228086135.jpg\" alt=\"\" width=\"1024\" height=\"683\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-1228086135.jpg 1024w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-1228086135-800x534.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-1228086135-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-1228086135-160x107.jpg 160w\" sizes=\"(max-width: 1024px) 100vw, 1024px\">\u003cfigcaption class=\"wp-caption-text\">The United States Postal Service mailboxes outside a post office in Los Angeles, Aug. 17, 2020. \u003ccite>(Robyn Beck/AFP via Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>An \u003ca href=\"https://www.uspis.gov/wp-content/uploads/2023/11/USPIS_Mail-Theft-Strategy.pdf\">October 2023 report by the USPIS (PDF)\u003c/a> says growth in mail theft “likely has been driven by a marked shift by organized criminal groups towards the perpetration of low-risk, high-reward financial crimes.”\u003c/p>\n\u003cp>Mail theft is a serious federal offense. A person found guilty of mail theft can face penalties of up to five years in prison and fines of up to $250,000, officials say.\u003c/p>\n\u003cp>South Bay Congressman Jimmy Panetta, concerned that enough is not being done to stem the tide of these crimes, also recently introduced a new bipartisan bill called the \u003ca href=\"https://panetta.house.gov/media/press-releases/rep-panetta-introduces-legislation-better-protect-against-rising-mail-theft\">Mail Theft Act\u003c/a>.\u003c/p>\n\u003cp>The bill is in its early stages, but officials say it would raise the issue of mail theft as a priority for federal law enforcement and require those agencies to work with state and local law enforcement to develop a coordinated approach to address the issue.\u003c/p>\n\u003cp>\u003c/p>\n",
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"title": "Mail Theft Can Get Serious. Here's How to Reduce Your Chances of Becoming a Target | KQED",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>With mail theft on the rise over the past several years, federal and local officials are exploring new ways to keep documents, bills and packages safe — and out of the hands of thieves.\u003c/p>\n\u003cp>USPS says that postal inspectors — the officers that make up its own federal law enforcement arm, known as the US Postal Inspection Service — made over 1,200 arrests nationwide for letter carrier robberies and mail theft from May 2023 to March of this year.\u003c/p>\n\u003cp>The arrests stemmed partly from “law enforcement surges” the Inspection Service conducted, including two in San Francisco, in response to a sixfold increase in letter carrier robberies between fiscal years 2019 and 2022. The targeted surges bring in support from multiple agencies in addition to the USPIS, including the Department of Justice, the Postal Service Office of the Inspector General, other federal agencies, and local law enforcement.\u003c/p>\n\u003cul>\n\u003cli>\u003cstrong>\u003ca href=\"#preventmailtheft\">Jump straight to: Tips for reducing your risks of mail theft\u003c/a>\u003c/strong>\u003c/li>\n\u003c/ul>\n\u003cp>There was also an 87% jump in reports of theft from “high-volume” mailbox clusters — often found at condominium or townhome complexes — during the same time frame.\u003c/p>\n\u003cp>Mail theft isn’t just inconvenient for those unlucky enough to be targeted. In addition to losing private documents, medicines or online purchases, mail theft “frequently results in identity theft, check fraud and other financial crimes,” Santa Clara County Undersheriff Ken Binder says.\u003c/p>\n\u003cp>Even as efforts ramp up to tamp down on mail theft, federal and local officials say there are some important steps you can take immediately to help keep your mail secure.\u003c/p>\n\u003cp>Be warned that while many of these tips are free or low-cost, some of their advice requires spending money on new or upgraded equipment and might not be appropriate for everyone.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003ch2>\u003ca id=\"preventmailtheft\">\u003c/a>Practice good mail management\u003c/h2>\n\u003cp>Collect your mail every day as soon as you can after it is delivered. Simply removing your mail from the box gives any would-be thieves less time to take what’s yours.\u003c/p>\n\u003cp>If you plan to be away from home, use the U.S. Postal Service’s \u003ca href=\"https://www.usps.com/manage/hold-mail.htm\">hold mail service\u003c/a> or ask a neighbor, friend or family member to pick up your mail and packages for you daily.\u003c/p>\n\u003cp>Remember that your outgoing mail — the stuff you send — can also be intercepted by thieves from postal collection boxes. The agency is actively working on replacing the familiar blue boxes with newer, more secure ones across the country. But you can also consider depositing your outgoing mail in secure locations, such as inside your local post office, at your place of business, or handing it directly to a letter carrier, the USPS says.\u003c/p>\n\u003cfigure id=\"attachment_11997185\" class=\"wp-caption alignnone\" style=\"max-width: 865px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11997185\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-2161988416-e1721854441789.jpg\" alt=\"\" width=\"865\" height=\"544\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-2161988416-e1721854441789.jpg 865w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-2161988416-e1721854441789-800x503.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-2161988416-e1721854441789-160x101.jpg 160w\" sizes=\"(max-width: 865px) 100vw, 865px\">\u003cfigcaption class=\"wp-caption-text\">Close-up of a US Mail box with a label indicating approval by the Postmaster General, West Jack London Boulevard, Livermore, Alameda County, on July 13, 2024. \u003ccite>(Smith Collection/Gado/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003ch2>\u003cstrong>Track your mail so you’ll know if it hasn’t arrived\u003c/strong>\u003c/h2>\n\u003cp>Sign up for the U.S. Postal Service’s free \u003ca href=\"https://www.usps.com/manage/informed-delivery.htm\">Informed Delivery\u003c/a> program. You’ll receive an email each morning with a preview of what your mail carrier will be delivering to your mailbox that day, and you can track and manage package deliveries, as well.\u003c/p>\n\u003cp>Law enforcement officials say knowing what mail to expect each day can help you notice immediately if something is missing.\u003c/p>\n\u003cp>For important documents or packages, ask the sender to use \u003ca href=\"https://faq.usps.com/s/article/Certified-Mail-The-Basics\">Certified Mail\u003c/a> or a delivery service that offers tracking and alerts so you know when to expect delivery. If possible, consider requiring a signature upon delivery for things you purchase online so they don’t end up in the wrong hands, Binder says.\u003c/p>\n\u003ch2>\u003cstrong>Make your mailbox more secure\u003c/strong>\u003c/h2>\n\u003cp>Consider installing a security camera or doorbell camera with a clear view of your mailbox and entryway so you can monitor who approaches your mailbox.\u003c/p>\n\u003cp>Install a secure, lockable mailbox to replace your current one. Some models offer more features than others, including tines or combs to prevent mailbox fishing once items are inside. Depending on size and features, some locking mailboxes can cost around $25, while others range much higher, selling for around $100 or more.\u003c/p>\n\u003ch2>\u003cstrong>If your mailbox is targeted, report it swiftly\u003c/strong>\u003c/h2>\n\u003cp>If your mail is stolen, report it as soon as possible by submitting an online complaint to the Postal Inspection Service at \u003ca href=\"http://uspis.gov/report\">uspis.gov/report\u003c/a> or calling 877-876-2455.\u003c/p>\n\u003cp>Report suspicious activity near mailboxes, either by calling 911 (if it’s happening in the moment) or by contacting your local police department or sheriff’s department through a non-emergency line.\u003c/p>\n\u003cfigure id=\"attachment_11997181\" class=\"wp-caption alignright\" style=\"max-width: 1024px\">\u003cimg loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-11997181\" src=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-1228086135.jpg\" alt=\"\" width=\"1024\" height=\"683\" srcset=\"https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-1228086135.jpg 1024w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-1228086135-800x534.jpg 800w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-1228086135-1020x680.jpg 1020w, https://cdn.kqed.org/wp-content/uploads/sites/10/2024/07/GettyImages-1228086135-160x107.jpg 160w\" sizes=\"(max-width: 1024px) 100vw, 1024px\">\u003cfigcaption class=\"wp-caption-text\">The United States Postal Service mailboxes outside a post office in Los Angeles, Aug. 17, 2020. \u003ccite>(Robyn Beck/AFP via Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>An \u003ca href=\"https://www.uspis.gov/wp-content/uploads/2023/11/USPIS_Mail-Theft-Strategy.pdf\">October 2023 report by the USPIS (PDF)\u003c/a> says growth in mail theft “likely has been driven by a marked shift by organized criminal groups towards the perpetration of low-risk, high-reward financial crimes.”\u003c/p>\n\u003cp>Mail theft is a serious federal offense. A person found guilty of mail theft can face penalties of up to five years in prison and fines of up to $250,000, officials say.\u003c/p>\n\u003cp>South Bay Congressman Jimmy Panetta, concerned that enough is not being done to stem the tide of these crimes, also recently introduced a new bipartisan bill called the \u003ca href=\"https://panetta.house.gov/media/press-releases/rep-panetta-introduces-legislation-better-protect-against-rising-mail-theft\">Mail Theft Act\u003c/a>.\u003c/p>\n\u003cp>The bill is in its early stages, but officials say it would raise the issue of mail theft as a priority for federal law enforcement and require those agencies to work with state and local law enforcement to develop a coordinated approach to address the issue.\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"slug": "crippling-patelco-ransomware-attack-leads-to-pair-of-class-action-lawsuits",
"title": "Crippling Patelco Ransomware Attack Leads to Pair of Class Action Lawsuits",
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"headTitle": "Crippling Patelco Ransomware Attack Leads to Pair of Class Action Lawsuits | KQED",
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"content": "\u003cp>Patelco is facing a pair of class action lawsuits after the Dublin-based credit union was \u003ca href=\"https://www.kqed.org/news/11992954/cybersecurity-expert-shares-tips-for-dublin-based-patelco-credit-union-customers-after-ransomware-attack\">targeted in a ransomware attack\u003c/a> that has affected potentially hundreds of thousands of customers.\u003c/p>\n\u003cp>Since the large-scale breach was first reported on June 29, the company, which serves half a million members, shut down access to services including online banking and electronic money transfers. More than a week later, the company’s systems are still not fully operational.\u003c/p>\n\u003cp>The lawsuits allege Patelco failed to take reasonable steps to protect clients’ private information and caused customers time and monetary damages as a result of the attack.\u003c/p>\n\u003cp>Scott Cole, the principal attorney on a suit filed by Oakland law firm Cole & Van Note on behalf of Eileen Poluck, said his goal is to ensure the credit union implements better cybersecurity practices and to recover monetary damages for customers who have been harmed.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“There are a lot of people in the state of California that are suffering as a result of what we think is some pretty heavy negligence on part of the organization,” Cole told KQED.\u003c/p>\n\u003cp>The suit was filed on July 1, the day after Patelco’s 450,000 customers were notified of the ransomware attack. On July 3, San Diego law firm Wolf Haldenstein Adler Freeman & Herz filed a similar suit on behalf of Livermore resident Josh Warren.\u003c/p>\n\u003cp>Both cases allege that the company failed to protect customers’ personal information, which they were required to provide to access Patelco’s services.\u003c/p>\n\u003cp>Cole was unable to say how much personal information may have been exposed, but he said “if the extreme is the case … [it could include] Social Security numbers, to things such as the nature of the transactions that they retained the Patelco system with, to a variety of historical information about people’s finances.”\u003c/p>\n\u003cp>Poluck and other customers have been harmed by “lost time, annoyance, interference and inconvenience” and “anxiety and increased concerns for the loss of privacy,” according to the complaint.\u003c/p>\n\u003cp>“I have received probably no less than 100 calls and emails from people today, telling stories that range from trying to access money to complete home loan transactions, purchasing homes, accessing their money so they can pay basic bills for survival,” Cole told KQED.\u003c/p>\n\u003cp>Warren’s case also says that the credit union “knew or should have known that these attacks were common and foreseeable,” and points out that Patelco was the target of a “similar data security incident” in 2023.\u003c/p>\n\u003cp>Cole said that the two firms have been in touch regarding the suits, and that in similar cases, there is often a consolidation of leadership.\u003c/p>\n\u003cp>“I feel very confident the lawyers in both firms will work cooperatively and aggressively in litigating this case,” he told KQED.\u003c/p>\n\u003cp>Rina Johnson, Patelco’s vice president of marketing, told KQED on Wednesday that the company does not have any comment regarding questions of a lawsuit.\u003c/p>\n\u003cp>“We’re completely focused on getting back up and running right now and making sure our members are supported throughout the process,” Johnson said via email.\u003c/p>\n\u003cp>In an update sent to customers Tuesday, Patelco President and CEO Erin Mendez said that while the company does not yet know when online banking and access to account information will be fully operational, its “infrastructure is stable, secure and [they] are making positive momentum daily” toward restoring services.\u003c/p>\n\u003cp>Mendez said the credit union expects to catch up on processing transactions by the end of the week, at which time it will be able to confirm when account access will be restored.\u003c/p>\n\u003cp>\u003cem>KQED’s \u003ca href=\"https://www.kqed.org/author/jlara\">Juan Carlos Lara\u003c/a> contributed to this report.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n",
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"excerpt": "As the Bay Area credit union works to restore services to thousands of customers, attorneys allege its cybersecurity practices left private information vulnerable.",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Patelco is facing a pair of class action lawsuits after the Dublin-based credit union was \u003ca href=\"https://www.kqed.org/news/11992954/cybersecurity-expert-shares-tips-for-dublin-based-patelco-credit-union-customers-after-ransomware-attack\">targeted in a ransomware attack\u003c/a> that has affected potentially hundreds of thousands of customers.\u003c/p>\n\u003cp>Since the large-scale breach was first reported on June 29, the company, which serves half a million members, shut down access to services including online banking and electronic money transfers. More than a week later, the company’s systems are still not fully operational.\u003c/p>\n\u003cp>The lawsuits allege Patelco failed to take reasonable steps to protect clients’ private information and caused customers time and monetary damages as a result of the attack.\u003c/p>\n\u003cp>Scott Cole, the principal attorney on a suit filed by Oakland law firm Cole & Van Note on behalf of Eileen Poluck, said his goal is to ensure the credit union implements better cybersecurity practices and to recover monetary damages for customers who have been harmed.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“There are a lot of people in the state of California that are suffering as a result of what we think is some pretty heavy negligence on part of the organization,” Cole told KQED.\u003c/p>\n\u003cp>The suit was filed on July 1, the day after Patelco’s 450,000 customers were notified of the ransomware attack. On July 3, San Diego law firm Wolf Haldenstein Adler Freeman & Herz filed a similar suit on behalf of Livermore resident Josh Warren.\u003c/p>\n\u003cp>Both cases allege that the company failed to protect customers’ personal information, which they were required to provide to access Patelco’s services.\u003c/p>\n\u003cp>Cole was unable to say how much personal information may have been exposed, but he said “if the extreme is the case … [it could include] Social Security numbers, to things such as the nature of the transactions that they retained the Patelco system with, to a variety of historical information about people’s finances.”\u003c/p>\n\u003cp>Poluck and other customers have been harmed by “lost time, annoyance, interference and inconvenience” and “anxiety and increased concerns for the loss of privacy,” according to the complaint.\u003c/p>\n\u003cp>“I have received probably no less than 100 calls and emails from people today, telling stories that range from trying to access money to complete home loan transactions, purchasing homes, accessing their money so they can pay basic bills for survival,” Cole told KQED.\u003c/p>\n\u003cp>Warren’s case also says that the credit union “knew or should have known that these attacks were common and foreseeable,” and points out that Patelco was the target of a “similar data security incident” in 2023.\u003c/p>\n\u003cp>Cole said that the two firms have been in touch regarding the suits, and that in similar cases, there is often a consolidation of leadership.\u003c/p>\n\u003cp>“I feel very confident the lawyers in both firms will work cooperatively and aggressively in litigating this case,” he told KQED.\u003c/p>\n\u003cp>Rina Johnson, Patelco’s vice president of marketing, told KQED on Wednesday that the company does not have any comment regarding questions of a lawsuit.\u003c/p>\n\u003cp>“We’re completely focused on getting back up and running right now and making sure our members are supported throughout the process,” Johnson said via email.\u003c/p>\n\u003cp>In an update sent to customers Tuesday, Patelco President and CEO Erin Mendez said that while the company does not yet know when online banking and access to account information will be fully operational, its “infrastructure is stable, secure and [they] are making positive momentum daily” toward restoring services.\u003c/p>\n\u003cp>Mendez said the credit union expects to catch up on processing transactions by the end of the week, at which time it will be able to confirm when account access will be restored.\u003c/p>\n\u003cp>\u003cem>KQED’s \u003ca href=\"https://www.kqed.org/author/jlara\">Juan Carlos Lara\u003c/a> contributed to this report.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"content": "\u003cp>Many parents share photos and videos of children on social media: birth announcements, making (an adorable) mess at the dinner table, and milestones like a first step.\u003c/p>\n\u003cp>But there are potential dangers to constantly posting about your child online, says \u003ca href=\"https://hls.harvard.edu/faculty/leah-a-plunkett/\">Leah Plunkett\u003c/a>, a faculty member at Harvard Law School who specializes in children, family law and technology. In Plunkett’s 2019 book \u003ca href=\"https://mitpress.mit.edu/9780262539630/sharenthood/\">\u003cem>Sharenthood: Why We Should Think Before We Talk About Our Kids Online\u003c/em>\u003c/a>, she explains how adults can put children’s privacy and personal data at risk.\u003c/p>\n\u003cp>This phenomenon is called “sharenting,” says Plunkett. Legal scholars in her field use the term — a portmanteau of “sharing” and “parenting” — to describe “all the ways that parents, aunts, uncles, teachers, coaches and other trusted adults in a kiddo’s life transmit children’s private information digitally.” It can make kids vulnerable to identity theft and harassment. And as they grow older, it may undercut their ability to tell their own story.\u003c/p>\n\u003cp>Plunkett talks to Life Kit about the different harms of oversharing, how to post information about your kid safely, and how to talk to loved ones about your limits. This interview has been edited for length and clarity.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003cstrong>Parents share a surprising amount of data about their kids online. A birthday photo, for example, can reveal a kid’s name, age and date of birth. What are some of the privacy concerns around that? \u003c/strong>\u003c/p>\n\u003cp>There is a thriving black market for personally identifiable information. Kids’ Social Security numbers, when combined with date of birth, name and address, are often good targets for identity theft. Most minors don’t have credit attached to their Social Security numbers, so [someone may be able to use them to] open fraudulent lines of credit.\u003c/p>\n\u003cp>\u003cstrong>Creditors don’t verify the age of applicants, so a bad actor \u003c/strong>\u003ca href=\"https://dos.ny.gov/what-you-should-know-about-child-identity-theft\">\u003cstrong>could potentially open a credit card without anyone noticing\u003c/strong>\u003c/a>\u003cstrong> until the kid becomes an adult and wants a card of their own. What are some other security risks?\u003c/strong>\u003c/p>\n\u003cp>There are tragic cases of stalking, bullying and harassment. They are rare, but they do happen.\u003c/p>\n\u003cp>\u003cstrong>So someone could use social media to figure out where your kid lives, goes to school and their patterns and routines. They could also learn about their likes and dislikes and insidiously use them.\u003c/strong>\u003c/p>\n\u003cp>Other people don’t need to have information about the ins and outs of your child’s emotional and personal life.\u003c/p>\n\u003cfigure class=\"wp-block-image size-large\">\u003cimg decoding=\"async\" class=\"aligncenter\" src=\"https://media.npr.org/assets/img/2024/05/16/sol-cotti-x-npr---sharenting_spot_sq-74ba89c1984245f8b913c0129f8f1c39b7fc86cb.jpg?s=1200&c=75&f=jpeg\">\u003cfigcaption>\u003ccite> (Sol Cotti for NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>You write in your book that children’s data is a form of currency. And there’s the adage that if a product is free, \u003c/strong>\u003cem>\u003cstrong>you\u003c/strong>\u003c/em>\u003cstrong> are the product. What should adults think about when giving a company their child’s data? Or when reading the fine print on a social media platform?\u003c/strong>\u003c/p>\n\u003cp>Parents should be aware that they’re not going to know at the moment where a piece of information, photo or video, might go. When we click “I accept,” those agreements give companies and third parties a lot of latitude about what they can do with your data.\u003c/p>\n\u003cp>After my book came out, \u003cem>The New York Times\u003c/em> ran a big investigative piece about how social media photos of toddlers and young children had been surreptitiously \u003ca href=\"https://www.nytimes.com/interactive/2019/10/11/technology/flickr-facial-recognition.html\">used to train facial recognition software\u003c/a>. That’s one of many examples.\u003c/p>\n\u003cp>Also, at some point down the road, maybe somebody makes a decision about your child based on the stuff you’ve put out about them — how your child is doing at school, how they’re moving through the world. Maybe that is an individual human decision-maker. Maybe that is an algorithmically driven data analysis product.\u003c/p>\n\u003cp>\u003cstrong>And when you mean decision-makers, that could be a university recruiter or a hiring manager. And that may affect your child’s ability to tell their own story. \u003c/strong>\u003c/p>\n\u003cp>To themselves or others in the future. If the world is figuring out significant things about who they are online and making projections about who they’re going to be, it can undercut their ability to figure that out for themselves.\u003c/p>\n\u003cp>\u003cstrong>Reading your book, it’s clear you’re not like a Luddite. You have kids, but you haven’t sworn off social media. How do you avoid oversharing the digital realm?\u003c/strong>\u003c/p>\n\u003cp>Since I started researching this topic, I adjusted my compass to be very minimalist. I pretty much never post my kids on social media. If I do, you don’t see their faces or anything that would identify them. I don’t use full names. I don’t celebrate their birthday on social media. I don’t show the kids standing in front of where they go to school.\u003c/p>\n\u003cp>I follow a “holiday card-or-less” rule of thumb when sharing on social media: updates you’d be comfortable with anyone, from your great aunt to your boss, seeing. Information that’s not going to embarrass anybody and isn’t particularly private.\u003c/p>\n\u003cp>\u003cstrong>Personally, my wife and I are pretty tight about the pictures we share of our child. How do we prevent other people, like family and friends, from taking photos of them at, say, a baptism or a birthday party and posting it online? \u003c/strong>\u003c/p>\n\u003cp>For something like a baptism or another rite of passage, it’s probably impossible to get everyone to not celebrate their joy and pride by taking out a phone. But it is OK to make a gentle request. You might say: \u003cem>Thank you so much for being in this moment with us. To be in the moment, we would request that you refrain from pictures or videos\u003c/em>. [aside postID=news_11985949 hero='https://cdn.kqed.org/wp-content/uploads/sites/10/2024/05/AP24134775174210-1020x680.jpg']Some people will listen, some people won’t. Then, make the call about whether or not it matters enough to you to follow up privately with the people who you see taking pictures and videos.\u003c/p>\n\u003cp>\u003cstrong>How do you model digital consent with your kids?\u003c/strong>\u003c/p>\n\u003cp>The conversation starts with very young kids. Explain what you’re doing, why you’re doing it, and where the image or video is going. You might say something like, “Hey, we’re having a really great meal. We’re using a recipe your grandfather sent us. I’m going to take a picture for him. Everybody smile for Grandpa.”\u003c/p>\n\u003cp>You could also ask your kid at a pretty young age, “Are you OK with taking a photo? Anyone not feeling up for it?”\u003c/p>\n\u003cp>\u003cstrong>What questions should parents ask themselves before they hit post?\u003c/strong>\u003c/p>\n\u003cp>Are you posting a picture of your child in any state of undress? If you are, please don’t post it.\u003c/p>\n\u003cp>Are you sharing your child’s location, full name or date of birth? If you are, think about whether that level of detail is necessary for your post.\u003c/p>\n\u003cp>If your parents shared a similar post about you at this age, how would you have felt about it? If the answer is that it would have bothered you, take another minute to think about what you need from this post.\u003c/p>\n\u003cp>\u003cstrong>What advice do you have for parents who often share photos and videos of their children and their lives on social media? Is it too late for them? \u003c/strong>\u003c/p>\n\u003cp>I had the same reaction when I started researching all of this, and I’m here to tell you, take a deep breath. Don’t panic. If you want to change, go back over your social media posts and take down what you’re not so sure about. Then, make your settings private.\u003c/p>\n\u003cp>Please don’t be hard on yourselves. Since the dawn of time, parents have been making the best choices they can at any given moment, and then later being like, maybe I’ll do that differently going forward.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Many parents share photos and videos of children on social media: birth announcements, making (an adorable) mess at the dinner table, and milestones like a first step.\u003c/p>\n\u003cp>But there are potential dangers to constantly posting about your child online, says \u003ca href=\"https://hls.harvard.edu/faculty/leah-a-plunkett/\">Leah Plunkett\u003c/a>, a faculty member at Harvard Law School who specializes in children, family law and technology. In Plunkett’s 2019 book \u003ca href=\"https://mitpress.mit.edu/9780262539630/sharenthood/\">\u003cem>Sharenthood: Why We Should Think Before We Talk About Our Kids Online\u003c/em>\u003c/a>, she explains how adults can put children’s privacy and personal data at risk.\u003c/p>\n\u003cp>This phenomenon is called “sharenting,” says Plunkett. Legal scholars in her field use the term — a portmanteau of “sharing” and “parenting” — to describe “all the ways that parents, aunts, uncles, teachers, coaches and other trusted adults in a kiddo’s life transmit children’s private information digitally.” It can make kids vulnerable to identity theft and harassment. And as they grow older, it may undercut their ability to tell their own story.\u003c/p>\n\u003cp>Plunkett talks to Life Kit about the different harms of oversharing, how to post information about your kid safely, and how to talk to loved ones about your limits. This interview has been edited for length and clarity.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003cstrong>Parents share a surprising amount of data about their kids online. A birthday photo, for example, can reveal a kid’s name, age and date of birth. What are some of the privacy concerns around that? \u003c/strong>\u003c/p>\n\u003cp>There is a thriving black market for personally identifiable information. Kids’ Social Security numbers, when combined with date of birth, name and address, are often good targets for identity theft. Most minors don’t have credit attached to their Social Security numbers, so [someone may be able to use them to] open fraudulent lines of credit.\u003c/p>\n\u003cp>\u003cstrong>Creditors don’t verify the age of applicants, so a bad actor \u003c/strong>\u003ca href=\"https://dos.ny.gov/what-you-should-know-about-child-identity-theft\">\u003cstrong>could potentially open a credit card without anyone noticing\u003c/strong>\u003c/a>\u003cstrong> until the kid becomes an adult and wants a card of their own. What are some other security risks?\u003c/strong>\u003c/p>\n\u003cp>There are tragic cases of stalking, bullying and harassment. They are rare, but they do happen.\u003c/p>\n\u003cp>\u003cstrong>So someone could use social media to figure out where your kid lives, goes to school and their patterns and routines. They could also learn about their likes and dislikes and insidiously use them.\u003c/strong>\u003c/p>\n\u003cp>Other people don’t need to have information about the ins and outs of your child’s emotional and personal life.\u003c/p>\n\u003cfigure class=\"wp-block-image size-large\">\u003cimg decoding=\"async\" class=\"aligncenter\" src=\"https://media.npr.org/assets/img/2024/05/16/sol-cotti-x-npr---sharenting_spot_sq-74ba89c1984245f8b913c0129f8f1c39b7fc86cb.jpg?s=1200&c=75&f=jpeg\">\u003cfigcaption>\u003ccite> (Sol Cotti for NPR)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>You write in your book that children’s data is a form of currency. And there’s the adage that if a product is free, \u003c/strong>\u003cem>\u003cstrong>you\u003c/strong>\u003c/em>\u003cstrong> are the product. What should adults think about when giving a company their child’s data? Or when reading the fine print on a social media platform?\u003c/strong>\u003c/p>\n\u003cp>Parents should be aware that they’re not going to know at the moment where a piece of information, photo or video, might go. When we click “I accept,” those agreements give companies and third parties a lot of latitude about what they can do with your data.\u003c/p>\n\u003cp>After my book came out, \u003cem>The New York Times\u003c/em> ran a big investigative piece about how social media photos of toddlers and young children had been surreptitiously \u003ca href=\"https://www.nytimes.com/interactive/2019/10/11/technology/flickr-facial-recognition.html\">used to train facial recognition software\u003c/a>. That’s one of many examples.\u003c/p>\n\u003cp>Also, at some point down the road, maybe somebody makes a decision about your child based on the stuff you’ve put out about them — how your child is doing at school, how they’re moving through the world. Maybe that is an individual human decision-maker. Maybe that is an algorithmically driven data analysis product.\u003c/p>\n\u003cp>\u003cstrong>And when you mean decision-makers, that could be a university recruiter or a hiring manager. And that may affect your child’s ability to tell their own story. \u003c/strong>\u003c/p>\n\u003cp>To themselves or others in the future. If the world is figuring out significant things about who they are online and making projections about who they’re going to be, it can undercut their ability to figure that out for themselves.\u003c/p>\n\u003cp>\u003cstrong>Reading your book, it’s clear you’re not like a Luddite. You have kids, but you haven’t sworn off social media. How do you avoid oversharing the digital realm?\u003c/strong>\u003c/p>\n\u003cp>Since I started researching this topic, I adjusted my compass to be very minimalist. I pretty much never post my kids on social media. If I do, you don’t see their faces or anything that would identify them. I don’t use full names. I don’t celebrate their birthday on social media. I don’t show the kids standing in front of where they go to school.\u003c/p>\n\u003cp>I follow a “holiday card-or-less” rule of thumb when sharing on social media: updates you’d be comfortable with anyone, from your great aunt to your boss, seeing. Information that’s not going to embarrass anybody and isn’t particularly private.\u003c/p>\n\u003cp>\u003cstrong>Personally, my wife and I are pretty tight about the pictures we share of our child. How do we prevent other people, like family and friends, from taking photos of them at, say, a baptism or a birthday party and posting it online? \u003c/strong>\u003c/p>\n\u003cp>For something like a baptism or another rite of passage, it’s probably impossible to get everyone to not celebrate their joy and pride by taking out a phone. But it is OK to make a gentle request. You might say: \u003cem>Thank you so much for being in this moment with us. To be in the moment, we would request that you refrain from pictures or videos\u003c/em>. \u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>Some people will listen, some people won’t. Then, make the call about whether or not it matters enough to you to follow up privately with the people who you see taking pictures and videos.\u003c/p>\n\u003cp>\u003cstrong>How do you model digital consent with your kids?\u003c/strong>\u003c/p>\n\u003cp>The conversation starts with very young kids. Explain what you’re doing, why you’re doing it, and where the image or video is going. You might say something like, “Hey, we’re having a really great meal. We’re using a recipe your grandfather sent us. I’m going to take a picture for him. Everybody smile for Grandpa.”\u003c/p>\n\u003cp>You could also ask your kid at a pretty young age, “Are you OK with taking a photo? Anyone not feeling up for it?”\u003c/p>\n\u003cp>\u003cstrong>What questions should parents ask themselves before they hit post?\u003c/strong>\u003c/p>\n\u003cp>Are you posting a picture of your child in any state of undress? If you are, please don’t post it.\u003c/p>\n\u003cp>Are you sharing your child’s location, full name or date of birth? If you are, think about whether that level of detail is necessary for your post.\u003c/p>\n\u003cp>If your parents shared a similar post about you at this age, how would you have felt about it? If the answer is that it would have bothered you, take another minute to think about what you need from this post.\u003c/p>\n\u003cp>\u003cstrong>What advice do you have for parents who often share photos and videos of their children and their lives on social media? Is it too late for them? \u003c/strong>\u003c/p>\n\u003cp>I had the same reaction when I started researching all of this, and I’m here to tell you, take a deep breath. Don’t panic. If you want to change, go back over your social media posts and take down what you’re not so sure about. Then, make your settings private.\u003c/p>\n\u003cp>Please don’t be hard on yourselves. Since the dawn of time, parents have been making the best choices they can at any given moment, and then later being like, maybe I’ll do that differently going forward.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cp>Identity theft, fraud, ransomware: Cybercrime has become a grim fact of life for schools, utilities, government agencies — really, any operation that uses networked computing. Even here in tech-saturated California.\u003c/p>\n\u003cp>\u003ca href=\"https://www.npr.org/2020/04/22/841682627/cobol-cowboys-aim-to-rescue-sluggish-state-unemployment-systems\" target=\"_blank\" rel=\"noopener noreferrer\">Ancient\u003c/a> software, understaffing and mismanagement have plagued state and local agencies for years. That was painfully evident during the height of the pandemic when the California Employment Development Department was caught \u003ca href=\"https://www.kqed.org/news/tag/edd\" target=\"_blank\" rel=\"noopener noreferrer\">completely unprepared\u003c/a> for a massive surge in demand, as well as a surge in hackers keen to get a piece of the action.\u003c/p>\n\u003cp>The agency’s vulnerabilities were fully exposed last fall when district attorneys from across the state announced that some 30,000 fake unemployment claims had been filed in the names of people incarcerated in California.\u003c/p>\n\u003cp>The unprecedented infusion of federal funds into unemployment insurance programs across the country last year “gave individuals and organized criminal groups a high-value target to exploit,” according to the \u003ca href=\"https://www.oig.dol.gov/doloiguioversightwork.htm\" target=\"_blank\" rel=\"noopener noreferrer\">U.S. Labor Department\u003c/a>.\u003c/p>\n\u003cp>[aside label=\"related coverage\" tag=\"cybersecurity\"]According to the Federal Trade Commission, \u003ca href=\"https://public.tableau.com/profile/federal.trade.commission#!/vizhome/FraudandIDTheftMaps/IDTheftbyState\" target=\"_blank\" rel=\"noopener noreferrer\">identity theft\u003c/a> complaints in California jumped from 101,614 in 2019 to 147,386 in 2020, a nearly 50% increase. Specific complaints about government documents and benefits fraud soared during that time, from 3,407 to 14,875.\u003c/p>\n\u003cp>And although the problem flared during the coronavirus pandemic, it’s been mounting for decades.\u003c/p>\n\u003cp>“It’s hard to make it tangible until it’s too late,” said Matt Masterson, who teaches at Stanford’s Internet Observatory, following a stint as a senior adviser at the U.S. Cybersecurity and Infrastructure Security Agency (CISA). “All your systems are locked up, and those same people that have been asking for support either end up getting fired or being moved along because ‘How could you let this happen?’ ”\u003c/p>\n\u003cp>High-profile, massively disruptive cyberattacks in the U.S. — like the recent \u003ca href=\"https://www.npr.org/2021/04/16/985439655/a-worst-nightmare-cyberattack-the-untold-story-of-the-solarwinds-hack\" target=\"_blank\" rel=\"noopener noreferrer\">SolarWinds\u003c/a> and \u003ca href=\"https://www.npr.org/2021/05/11/995751028/what-the-ransomware-attack-on-colonial-pipeline-means-for-the-industry\" target=\"_blank\" rel=\"noopener noreferrer\">Colonial Pipeline\u003c/a> hacks — have effectively underscored the vulnerability of the nation’s critical infrastructure. Acknowledging this, President Biden just signed a broad \u003ca href=\"https://www.whitehouse.gov/briefing-room/statements-releases/2021/05/12/fact-sheet-president-signs-executive-order-charting-new-course-to-improve-the-nations-cybersecurity-and-protect-federal-government-networks/\">executive order\u003c/a> that aims to \u003ca href=\"https://www.npr.org/2021/05/12/996355601/in-wake-of-pipeline-hack-biden-signs-executive-order-on-cybersecurity\">strengthen cybersecurity\u003c/a> for federal networks and outline new security standards for commercial software used by both business and the public.\u003c/p>\n\u003cp>But in their recent \u003ca href=\"https://thehill.com/opinion/cybersecurity/550324-congress-needs-to-help-modernize-our-digital-infrastructure?rl=1\" target=\"_blank\" rel=\"noopener noreferrer\">op-ed\u003c/a> in The Hill, Masterson and former CISA Director Chris Krebs also emphasize the need for federal funding to help state and local agencies around the country get up to speed. The U.S., they argue, needs a new approach to the “new normal of cyber enabled malicious activity.”\u003c/p>\n\u003cp>“Whether it’s at the grid level, whether it’s water-treatment plants, whether it’s county sheriff’s offices, right? That’s a matter of public safety,” Masterson said. “Investment in this, like any infrastructure, has to be ongoing, but man, now’s the time to have this conversation.”\u003c/p>\n\u003cp>Sure enough, a bipartisan group of House lawmakers this week \u003ca href=\"https://statescoop.com/state-local-cyber-grants-500-million/\" target=\"_blank\" rel=\"noopener noreferrer\">reintroduced\u003c/a> a bill to provide state and local governments with $500 million annually to defend against cyberattacks. (It was \u003ca href=\"https://www.congress.gov/bill/116th-congress/house-bill/5823\">passed by the House last year\u003c/a>, but did not get a vote in the U.S. Senate.)\u003c/p>\n\u003cp>[pullquote align=\"right\" size=\"medium\" citation=\"Matt Masterson, Stanford Internet Observatory\"]‘It’s hard to make it tangible until it’s too late. All your systems are locked up, and those same people that have been asking for support either end up getting fired or being moved along, because ‘How could you let this happen?’ ‘[/pullquote]But some California lawmakers, like Silicon Valley Democratic Rep. Ro Khanna, worry that providing money without direction for how to spend it won’t solve the problem.\u003c/p>\n\u003cp>“Money is not sufficient,” he said. “The question is the execution. We need far more expertise from actual technologists than relying on the same people who ‘specialize’ on technology in the Beltway that aren’t up to date on what the latest techniques are. It’s really going to take a partnership with leading technologists, leading people in design, a move away from some of the legacy systems.”\u003c/p>\n\u003cp>Khanna has hit on an obvious first fix, some experts say. State and local agencies could start by switching to commercially available software and systems. And although those wouldn’t be impervious to hacking — no system is — they carry the benefit of receiving the close attention of software engineers all over the world.\u003cbr>\n[ad fullwidth]\u003cbr>\n“How do we help move some of these institutions, for instance, off of running their own email servers [and getting them] up into the cloud — where we know that you can provide greater protection — where companies that provide that support have more advanced security apparatus?” Masterson said.\u003c/p>\n\u003cp>Even internationally funded cyberterrorists, he adds, commonly take advantage of easy opportunities like weak passwords and old software. “All they’re doing is exploiting already known vulnerabilities: systems that aren’t updated, systems that aren’t patched, systems that aren’t supported anymore,” Masterson said.\u003c/p>\n\u003cp>Given California’s unexpected \u003ca href=\"https://www.kqed.org/news/11872910/flush-with-cash-california-set-to-send-billions-in-rebates-to-taxpayers\" target=\"_blank\" rel=\"noopener noreferrer\">budget surplus\u003c/a> this spring, not to mention the glut of in-state IT talent, some are also asking why the state needs to wait for help from the federal government.\u003c/p>\n\u003cp>“We have all the tools to solve this. We have outstanding people at universities. We have extraordinary people in the private sector,” Khanna said. “We need to think about how we get people in technology to answer the nation’s call to service at a time we’re going through a digital revolution.”\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Identity theft, fraud, ransomware: Cybercrime has become a grim fact of life for schools, utilities, government agencies — really, any operation that uses networked computing. Even here in tech-saturated California.\u003c/p>\n\u003cp>\u003ca href=\"https://www.npr.org/2020/04/22/841682627/cobol-cowboys-aim-to-rescue-sluggish-state-unemployment-systems\" target=\"_blank\" rel=\"noopener noreferrer\">Ancient\u003c/a> software, understaffing and mismanagement have plagued state and local agencies for years. That was painfully evident during the height of the pandemic when the California Employment Development Department was caught \u003ca href=\"https://www.kqed.org/news/tag/edd\" target=\"_blank\" rel=\"noopener noreferrer\">completely unprepared\u003c/a> for a massive surge in demand, as well as a surge in hackers keen to get a piece of the action.\u003c/p>\n\u003cp>The agency’s vulnerabilities were fully exposed last fall when district attorneys from across the state announced that some 30,000 fake unemployment claims had been filed in the names of people incarcerated in California.\u003c/p>\n\u003cp>The unprecedented infusion of federal funds into unemployment insurance programs across the country last year “gave individuals and organized criminal groups a high-value target to exploit,” according to the \u003ca href=\"https://www.oig.dol.gov/doloiguioversightwork.htm\" target=\"_blank\" rel=\"noopener noreferrer\">U.S. Labor Department\u003c/a>.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>According to the Federal Trade Commission, \u003ca href=\"https://public.tableau.com/profile/federal.trade.commission#!/vizhome/FraudandIDTheftMaps/IDTheftbyState\" target=\"_blank\" rel=\"noopener noreferrer\">identity theft\u003c/a> complaints in California jumped from 101,614 in 2019 to 147,386 in 2020, a nearly 50% increase. Specific complaints about government documents and benefits fraud soared during that time, from 3,407 to 14,875.\u003c/p>\n\u003cp>And although the problem flared during the coronavirus pandemic, it’s been mounting for decades.\u003c/p>\n\u003cp>“It’s hard to make it tangible until it’s too late,” said Matt Masterson, who teaches at Stanford’s Internet Observatory, following a stint as a senior adviser at the U.S. Cybersecurity and Infrastructure Security Agency (CISA). “All your systems are locked up, and those same people that have been asking for support either end up getting fired or being moved along because ‘How could you let this happen?’ ”\u003c/p>\n\u003cp>High-profile, massively disruptive cyberattacks in the U.S. — like the recent \u003ca href=\"https://www.npr.org/2021/04/16/985439655/a-worst-nightmare-cyberattack-the-untold-story-of-the-solarwinds-hack\" target=\"_blank\" rel=\"noopener noreferrer\">SolarWinds\u003c/a> and \u003ca href=\"https://www.npr.org/2021/05/11/995751028/what-the-ransomware-attack-on-colonial-pipeline-means-for-the-industry\" target=\"_blank\" rel=\"noopener noreferrer\">Colonial Pipeline\u003c/a> hacks — have effectively underscored the vulnerability of the nation’s critical infrastructure. Acknowledging this, President Biden just signed a broad \u003ca href=\"https://www.whitehouse.gov/briefing-room/statements-releases/2021/05/12/fact-sheet-president-signs-executive-order-charting-new-course-to-improve-the-nations-cybersecurity-and-protect-federal-government-networks/\">executive order\u003c/a> that aims to \u003ca href=\"https://www.npr.org/2021/05/12/996355601/in-wake-of-pipeline-hack-biden-signs-executive-order-on-cybersecurity\">strengthen cybersecurity\u003c/a> for federal networks and outline new security standards for commercial software used by both business and the public.\u003c/p>\n\u003cp>But in their recent \u003ca href=\"https://thehill.com/opinion/cybersecurity/550324-congress-needs-to-help-modernize-our-digital-infrastructure?rl=1\" target=\"_blank\" rel=\"noopener noreferrer\">op-ed\u003c/a> in The Hill, Masterson and former CISA Director Chris Krebs also emphasize the need for federal funding to help state and local agencies around the country get up to speed. The U.S., they argue, needs a new approach to the “new normal of cyber enabled malicious activity.”\u003c/p>\n\u003cp>“Whether it’s at the grid level, whether it’s water-treatment plants, whether it’s county sheriff’s offices, right? That’s a matter of public safety,” Masterson said. “Investment in this, like any infrastructure, has to be ongoing, but man, now’s the time to have this conversation.”\u003c/p>\n\u003cp>Sure enough, a bipartisan group of House lawmakers this week \u003ca href=\"https://statescoop.com/state-local-cyber-grants-500-million/\" target=\"_blank\" rel=\"noopener noreferrer\">reintroduced\u003c/a> a bill to provide state and local governments with $500 million annually to defend against cyberattacks. (It was \u003ca href=\"https://www.congress.gov/bill/116th-congress/house-bill/5823\">passed by the House last year\u003c/a>, but did not get a vote in the U.S. Senate.)\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>But some California lawmakers, like Silicon Valley Democratic Rep. Ro Khanna, worry that providing money without direction for how to spend it won’t solve the problem.\u003c/p>\n\u003cp>“Money is not sufficient,” he said. “The question is the execution. We need far more expertise from actual technologists than relying on the same people who ‘specialize’ on technology in the Beltway that aren’t up to date on what the latest techniques are. It’s really going to take a partnership with leading technologists, leading people in design, a move away from some of the legacy systems.”\u003c/p>\n\u003cp>Khanna has hit on an obvious first fix, some experts say. State and local agencies could start by switching to commercially available software and systems. And although those wouldn’t be impervious to hacking — no system is — they carry the benefit of receiving the close attention of software engineers all over the world.\u003cbr>\n\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cbr>\n“How do we help move some of these institutions, for instance, off of running their own email servers [and getting them] up into the cloud — where we know that you can provide greater protection — where companies that provide that support have more advanced security apparatus?” Masterson said.\u003c/p>\n\u003cp>Even internationally funded cyberterrorists, he adds, commonly take advantage of easy opportunities like weak passwords and old software. “All they’re doing is exploiting already known vulnerabilities: systems that aren’t updated, systems that aren’t patched, systems that aren’t supported anymore,” Masterson said.\u003c/p>\n\u003cp>Given California’s unexpected \u003ca href=\"https://www.kqed.org/news/11872910/flush-with-cash-california-set-to-send-billions-in-rebates-to-taxpayers\" target=\"_blank\" rel=\"noopener noreferrer\">budget surplus\u003c/a> this spring, not to mention the glut of in-state IT talent, some are also asking why the state needs to wait for help from the federal government.\u003c/p>\n\u003cp>“We have all the tools to solve this. We have outstanding people at universities. We have extraordinary people in the private sector,” Khanna said. “We need to think about how we get people in technology to answer the nation’s call to service at a time we’re going through a digital revolution.”\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"content": "\u003cp>Equifax will pay up to $700 million in fines and monetary relief to consumers over a 2017 data breach at the credit reporting bureau that affected nearly 150 million people, including 15 million Californians.\u003c/p>\n\u003cp>The \u003ca href=\"https://files.consumerfinance.gov/f/documents/cfpb_equifax-inc_proposed-stipulated-order_2019-07.pdf\">proposed settlement\u003c/a>, which is subject to approval by a federal court, was \u003ca href=\"https://www.consumerfinance.gov/about-us/newsroom/cfpb-ftc-states-announce-settlement-with-equifax-over-2017-data-breach/\">announced Monday\u003c/a> by the company, the Federal Trade Commission, the Consumer Financial Protection Bureau, 48 states, the District of Columbia and Puerto Rico.\u003c/p>\n\u003cp>“On top of holding Equifax accountable for one of the most devastating data breaches to face our nation, we have now recovered hundreds of millions of dollars to help our families who fell victim,” said California Attorney General Becerra, who led the multistate coalition, \u003ca href=\"https://oag.ca.gov/news/press-releases/attorney-general-becerra-announces-settlement-against-equifax-providing-600\" target=\"_blank\" rel=\"noopener\">in a statement\u003c/a>. “Equifax, one of only three major credit reporting agencies, had a responsibility to secure and protect Americans’ data. Instead, it breached public trust.”\u003c/p>\n\u003cp>[aside label=\"Related Coverage\" tag=\"online-privacy\"]\u003c/p>\n\u003cp>The consumer data exposed in the breach included Social Security numbers, birthdates and addresses and, in some cases, driver’s license numbers.\u003c/p>\n\u003cp>CFPB Director Kathleen Kraninger said the settlement includes $425 million to cover the “time and money [people affected by the breach] spent to protect themselves from potential threats of identity theft or addressing incidents of identity theft as a result of the breach.”\u003c/p>\n\u003cp>Equifax \u003ca href=\"https://www.ftc.gov/news-events/press-releases/2019/07/equifax-pay-575-million-part-settlement-ftc-cfpb-states-related\">also agreed\u003c/a> to pay $175 million to the states, including more than $18.7 million to California, and $100 million to the CFPB in civil penalties.\u003c/p>\n\u003cp>And, starting in January, Equifax “will provide all U.S. consumers with six free credit reports each year for seven years,” the FTC said. That’s in addition to the free annual credit reports that Equifax, and the two other nationwide credit reporting agencies — Experian and TransUnion — currently provide.\u003c/p>\n\u003cp>Under the settlement, affected consumers will be eligible for free credit monitoring. Those who already have credit monitoring services for at least six months can request a $125 cash payment.\u003c/p>\n\u003cp>“Our credit status impacts nearly every aspect of our lives — from purchasing a home or a car to finding a job,” Becerra said. “The same Americans who had to immediately protect themselves from fraudsters or identify thieves will have to be vigilant for the rest of their lives. We encourage every eligible person to apply for the relief they are entitled to as part of our settlement.”\u003c/p>\n\u003cp>People affected by the breach may also qualify for cash payments of up to $20,000 for: the time they spent dealing with fraud, identity theft or other misuses of their personal information, or taking preventative steps such as placing or removing security freezes; for out-of-pocket losses; and for 25% of the cost of Equifax credit or identity-monitoring products they paid for in the year before the breach was announced.\u003c/p>\n\u003cp>“Equifax failed to take basic steps that may have prevented the breach,” FTC Chairman Joe Simons said in the agency’s announcement. “This settlement requires that the company take steps to improve its data security.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The FTC alleges that Equifax “failed to patch its network after being alerted in March 2017 to a critical security vulnerability” and that the company didn’t discover that its database was unpatched until four months later, when it detected suspicious traffic on its network. Multiple hackers were able to exploit the vulnerability, the FTC said.\u003c/p>\n\u003cp>In \u003ca href=\"https://investor.equifax.com/news-and-events/news/2019/07-22-2019-125543228\">a statement\u003c/a>, Equifax called the proposed settlement “a positive step for U.S. consumers.” Equifax CEO Mark Begor said the $425 million consumer fund “reinforces our commitment to putting consumers first and safeguarding their data — and reflects the seriousness with which we take this matter.”\u003c/p>\n\u003cp>Some consumer advocates said the proposed settlement didn’t go far enough, given the long-term harm the breach inflicted. “The shelf life of financial DNA is forever so this sounds like a sweetheart deal for a company that failed to do its basic job: protect consumer data,” the U.S. Public Interest Research Group said \u003ca href=\"https://uspirg.org/news/usp/equifax-penalty-%E2%80%9Csweetheart-deal%E2%80%9D-leaves-consumers-risk\">in a statement\u003c/a>.\u003c/p>\n\u003cp>But others praised the agreement. Justin Brookman, director of privacy and technology policy for Consumer Reports, said the FTC \u003ca href=\"https://www.consumerreports.org/credit-bureaus/equifax-settlement/\">was able to force Equifax\u003c/a> to “spend a fair amount of money as far as improving security, paying for credit monitoring, and reimbursing consumers for their expenses.”\u003c/p>\n\u003cp>Sen. Mark Warner, D-Va., a member of the Senate Banking Committee, said in a statement that he was happy consumers will be compensated but added, “we need structural reforms and increased oversight of credit reporting agencies in order to make sure that this never happens again.” Warner is co-sponsoring legislation that would give the FTC more authority to supervise data security at the credit agencies.\u003c/p>\n\u003cp>\u003cem>KQED’s Don Clyde contributed to this report.\u003c/em>\u003c/p>\n\u003cp>Copyright 2019 NPR. To see more, visit https://www.npr.org.\u003c/p>\n\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Equifax will pay up to $700 million in fines and monetary relief to consumers over a 2017 data breach at the credit reporting bureau that affected nearly 150 million people, including 15 million Californians.\u003c/p>\n\u003cp>The \u003ca href=\"https://files.consumerfinance.gov/f/documents/cfpb_equifax-inc_proposed-stipulated-order_2019-07.pdf\">proposed settlement\u003c/a>, which is subject to approval by a federal court, was \u003ca href=\"https://www.consumerfinance.gov/about-us/newsroom/cfpb-ftc-states-announce-settlement-with-equifax-over-2017-data-breach/\">announced Monday\u003c/a> by the company, the Federal Trade Commission, the Consumer Financial Protection Bureau, 48 states, the District of Columbia and Puerto Rico.\u003c/p>\n\u003cp>“On top of holding Equifax accountable for one of the most devastating data breaches to face our nation, we have now recovered hundreds of millions of dollars to help our families who fell victim,” said California Attorney General Becerra, who led the multistate coalition, \u003ca href=\"https://oag.ca.gov/news/press-releases/attorney-general-becerra-announces-settlement-against-equifax-providing-600\" target=\"_blank\" rel=\"noopener\">in a statement\u003c/a>. “Equifax, one of only three major credit reporting agencies, had a responsibility to secure and protect Americans’ data. Instead, it breached public trust.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The consumer data exposed in the breach included Social Security numbers, birthdates and addresses and, in some cases, driver’s license numbers.\u003c/p>\n\u003cp>CFPB Director Kathleen Kraninger said the settlement includes $425 million to cover the “time and money [people affected by the breach] spent to protect themselves from potential threats of identity theft or addressing incidents of identity theft as a result of the breach.”\u003c/p>\n\u003cp>Equifax \u003ca href=\"https://www.ftc.gov/news-events/press-releases/2019/07/equifax-pay-575-million-part-settlement-ftc-cfpb-states-related\">also agreed\u003c/a> to pay $175 million to the states, including more than $18.7 million to California, and $100 million to the CFPB in civil penalties.\u003c/p>\n\u003cp>And, starting in January, Equifax “will provide all U.S. consumers with six free credit reports each year for seven years,” the FTC said. That’s in addition to the free annual credit reports that Equifax, and the two other nationwide credit reporting agencies — Experian and TransUnion — currently provide.\u003c/p>\n\u003cp>Under the settlement, affected consumers will be eligible for free credit monitoring. Those who already have credit monitoring services for at least six months can request a $125 cash payment.\u003c/p>\n\u003cp>“Our credit status impacts nearly every aspect of our lives — from purchasing a home or a car to finding a job,” Becerra said. “The same Americans who had to immediately protect themselves from fraudsters or identify thieves will have to be vigilant for the rest of their lives. We encourage every eligible person to apply for the relief they are entitled to as part of our settlement.”\u003c/p>\n\u003cp>People affected by the breach may also qualify for cash payments of up to $20,000 for: the time they spent dealing with fraud, identity theft or other misuses of their personal information, or taking preventative steps such as placing or removing security freezes; for out-of-pocket losses; and for 25% of the cost of Equifax credit or identity-monitoring products they paid for in the year before the breach was announced.\u003c/p>\n\u003cp>“Equifax failed to take basic steps that may have prevented the breach,” FTC Chairman Joe Simons said in the agency’s announcement. “This settlement requires that the company take steps to improve its data security.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The FTC alleges that Equifax “failed to patch its network after being alerted in March 2017 to a critical security vulnerability” and that the company didn’t discover that its database was unpatched until four months later, when it detected suspicious traffic on its network. Multiple hackers were able to exploit the vulnerability, the FTC said.\u003c/p>\n\u003cp>In \u003ca href=\"https://investor.equifax.com/news-and-events/news/2019/07-22-2019-125543228\">a statement\u003c/a>, Equifax called the proposed settlement “a positive step for U.S. consumers.” Equifax CEO Mark Begor said the $425 million consumer fund “reinforces our commitment to putting consumers first and safeguarding their data — and reflects the seriousness with which we take this matter.”\u003c/p>\n\u003cp>Some consumer advocates said the proposed settlement didn’t go far enough, given the long-term harm the breach inflicted. “The shelf life of financial DNA is forever so this sounds like a sweetheart deal for a company that failed to do its basic job: protect consumer data,” the U.S. Public Interest Research Group said \u003ca href=\"https://uspirg.org/news/usp/equifax-penalty-%E2%80%9Csweetheart-deal%E2%80%9D-leaves-consumers-risk\">in a statement\u003c/a>.\u003c/p>\n\u003cp>But others praised the agreement. Justin Brookman, director of privacy and technology policy for Consumer Reports, said the FTC \u003ca href=\"https://www.consumerreports.org/credit-bureaus/equifax-settlement/\">was able to force Equifax\u003c/a> to “spend a fair amount of money as far as improving security, paying for credit monitoring, and reimbursing consumers for their expenses.”\u003c/p>\n\u003cp>Sen. Mark Warner, D-Va., a member of the Senate Banking Committee, said in a statement that he was happy consumers will be compensated but added, “we need structural reforms and increased oversight of credit reporting agencies in order to make sure that this never happens again.” Warner is co-sponsoring legislation that would give the FTC more authority to supervise data security at the credit agencies.\u003c/p>\n\u003cp>\u003cem>KQED’s Don Clyde contributed to this report.\u003c/em>\u003c/p>\n\u003cp>Copyright 2019 NPR. To see more, visit https://www.npr.org.\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>",
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"content": "\u003cp>Equifax has disclosed that an additional 2.4 million people were impacted by a massive cybersecurity breach last year, bringing the total to about 148 million people.\u003c/p>\n\u003cp>The credit reporting agency \u003ca href=\"https://investor.equifax.com/news-and-events/news/2018/03-01-2018-140531340\" target=\"_blank\" rel=\"noopener\">says that the new consumers\u003c/a> were identified during forensic examination of the breach. They were previously unidentified, the company says, because their social security numbers were not stolen.\u003c/p>\n\u003cp>Their names and some of their driver’s license information was taken, however. According to the company, “in the vast majority of cases, it did not include consumers’ home addresses, or their respective driver’s license states, dates of issuance, or expiration dates.”\u003c/p>\n\u003cp>Equifax says it will directly notify these 2.4 million newly identified people, “and will offer identity theft protection and credit file monitoring services at no cost to them.”\u003c/p>\n\u003cp>The company has struggled to rebuild public trust after the revelation of the breach and what is widely perceived as a bungled response.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>For example, after the cyberattack, several times the company’s official Twitter account mistakenly directed worried customers \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/09/21/552681357/after-massive-data-breach-equifax-directed-customers-to-fake-site\" target=\"_blank\" rel=\"noopener\">to a fake phishing site\u003c/a>.\u003c/p>\n\u003cp>Lawmakers also have been highly critical of the company’s response, and Thursday’s revelation is prompting new scrutiny.\u003c/p>\n\u003cp>“Some lawmakers say the company has delayed and given only partial responses to questions related to a House Commerce Committee Investigation,” NPR’s Chris Arnold told our Newscast unit. “They are now requesting a briefing from a company Equifax hired to do its own investigation of the breach.”\u003c/p>\n\u003cp>Last week Democrats from the House Committee on Oversight and Government Reform \u003ca href=\"https://democrats-oversight.house.gov/sites/democrats.oversight.house.gov/files/2018-02-20.OGR%20Dems%20to%20Barros-Equifax%20re%20Credit%20Protection.pdf\" target=\"_blank\" rel=\"noopener\">pressed Equifax to extend\u003c/a> their free identity theft protection and credit file monitoring \u003ca href=\"https://www.equifaxsecurity2017.com/consumer-notice/\" target=\"_blank\" rel=\"noopener\">from one year\u003c/a> to three.\u003c/p>\n\u003cp>“Given the sensitive nature of the personal information that was stolen — and the ability of criminals to store and use that information for years to come — we believe that the millions of U.S. consumers whose personal information was compromised in the Equifax data breach should receive the most robust form of credit protection and identity theft services available,” says the letter to Paulino Barros, Equifax’s interim CEO.\u003c/p>\n\u003cp>As NPR’s Colin Dwyer reported \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/09/07/549296359/hackers-accessed-the-personal-data-of-143-million-people-equifax-says\" target=\"_blank\" rel=\"noopener\">when the breach was first disclosed\u003c/a>, “the number of American consumers affected constitutes about 44 percent of the U.S. population.”\u003c/p>\n\u003cp>But there’s good reason to think that many of those impacted may not be aware of it. A new survey from CreditCards.com found that 50 percent of adults surveyed have not checked their credit scores and reports \u003ca href=\"https://www.creditcards.com/credit-card-news/equifax-data-breach-cellphone-survey.php\" target=\"_blank\" rel=\"noopener\">since the breach\u003c/a>.\u003c/p>\n\u003cp>And “twenty percent of all respondents have heard little or nothing about the Equifax breach, including 46 percent of those aged 18-37,” according to the survey results.\u003c/p>\n\u003cp>Worried your data has been exposed? NPR’s Yuki Noguchi put together this \u003ca href=\"https://www.npr.org/2017/09/14/550949718/after-equifax-data-breach-consumers-are-largely-on-their-own\" target=\"_blank\" rel=\"noopener\">set of tips\u003c/a> for protecting yourself.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Copyright 2018 NPR. To see more, visit http://www.npr.org/.\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Equifax has disclosed that an additional 2.4 million people were impacted by a massive cybersecurity breach last year, bringing the total to about 148 million people.\u003c/p>\n\u003cp>The credit reporting agency \u003ca href=\"https://investor.equifax.com/news-and-events/news/2018/03-01-2018-140531340\" target=\"_blank\" rel=\"noopener\">says that the new consumers\u003c/a> were identified during forensic examination of the breach. They were previously unidentified, the company says, because their social security numbers were not stolen.\u003c/p>\n\u003cp>Their names and some of their driver’s license information was taken, however. According to the company, “in the vast majority of cases, it did not include consumers’ home addresses, or their respective driver’s license states, dates of issuance, or expiration dates.”\u003c/p>\n\u003cp>Equifax says it will directly notify these 2.4 million newly identified people, “and will offer identity theft protection and credit file monitoring services at no cost to them.”\u003c/p>\n\u003cp>The company has struggled to rebuild public trust after the revelation of the breach and what is widely perceived as a bungled response.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>For example, after the cyberattack, several times the company’s official Twitter account mistakenly directed worried customers \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/09/21/552681357/after-massive-data-breach-equifax-directed-customers-to-fake-site\" target=\"_blank\" rel=\"noopener\">to a fake phishing site\u003c/a>.\u003c/p>\n\u003cp>Lawmakers also have been highly critical of the company’s response, and Thursday’s revelation is prompting new scrutiny.\u003c/p>\n\u003cp>“Some lawmakers say the company has delayed and given only partial responses to questions related to a House Commerce Committee Investigation,” NPR’s Chris Arnold told our Newscast unit. “They are now requesting a briefing from a company Equifax hired to do its own investigation of the breach.”\u003c/p>\n\u003cp>Last week Democrats from the House Committee on Oversight and Government Reform \u003ca href=\"https://democrats-oversight.house.gov/sites/democrats.oversight.house.gov/files/2018-02-20.OGR%20Dems%20to%20Barros-Equifax%20re%20Credit%20Protection.pdf\" target=\"_blank\" rel=\"noopener\">pressed Equifax to extend\u003c/a> their free identity theft protection and credit file monitoring \u003ca href=\"https://www.equifaxsecurity2017.com/consumer-notice/\" target=\"_blank\" rel=\"noopener\">from one year\u003c/a> to three.\u003c/p>\n\u003cp>“Given the sensitive nature of the personal information that was stolen — and the ability of criminals to store and use that information for years to come — we believe that the millions of U.S. consumers whose personal information was compromised in the Equifax data breach should receive the most robust form of credit protection and identity theft services available,” says the letter to Paulino Barros, Equifax’s interim CEO.\u003c/p>\n\u003cp>As NPR’s Colin Dwyer reported \u003ca href=\"https://www.npr.org/sections/thetwo-way/2017/09/07/549296359/hackers-accessed-the-personal-data-of-143-million-people-equifax-says\" target=\"_blank\" rel=\"noopener\">when the breach was first disclosed\u003c/a>, “the number of American consumers affected constitutes about 44 percent of the U.S. population.”\u003c/p>\n\u003cp>But there’s good reason to think that many of those impacted may not be aware of it. A new survey from CreditCards.com found that 50 percent of adults surveyed have not checked their credit scores and reports \u003ca href=\"https://www.creditcards.com/credit-card-news/equifax-data-breach-cellphone-survey.php\" target=\"_blank\" rel=\"noopener\">since the breach\u003c/a>.\u003c/p>\n\u003cp>And “twenty percent of all respondents have heard little or nothing about the Equifax breach, including 46 percent of those aged 18-37,” according to the survey results.\u003c/p>\n\u003cp>Worried your data has been exposed? NPR’s Yuki Noguchi put together this \u003ca href=\"https://www.npr.org/2017/09/14/550949718/after-equifax-data-breach-consumers-are-largely-on-their-own\" target=\"_blank\" rel=\"noopener\">set of tips\u003c/a> for protecting yourself.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Copyright 2018 NPR. To see more, visit http://www.npr.org/.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cp>Federal officials suspect there have been tens of thousands of fraudulent claims filed for disaster relief following the deadly Northern California fires. That estimate means it’s a much bigger problem than they previously thought.\u003c/p>\n\u003cp>“It is an awful lot,” said FEMA spokesman Frank Mansell.\u003c/p>\n\u003cp>A couple of weeks ago FEMA had said fraudulent claims numbered in the thousands.\u003c/p>\n\u003cp>In some cases, residents have gotten fake mail, phone calls or in-person visits from people claiming to be federal officials.\u003c/p>\n\u003cp>Officials say the process of vetting claims for disaster relief is thorough, but that people should be prepared to respond if they suspect fraud or identity theft in the wake of the Northern California fires.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Here are common frauds, which you can also find on \u003ca href=\"https://www.fema.gov/disaster/4344\" target=\"_blank\" rel=\"noopener\">FEMA’s website\u003c/a>.\u003c/p>\n\u003cp>\u003cstrong>What you need to know to avoid common types of fraud\u003c/strong>:\u003c/p>\n\u003cul>\n\u003cli>Beware of anyone claiming to be from the Federal Emergency Management Agency (FEMA) or the state initiating visits, calls or emails asking for an applicant’s Social Security number, bank account number or other sensitive information.\u003c/li>\n\u003cli>Avoid scam artists who promise a disaster grant and ask for cash or advance payments in full.\u003c/li>\n\u003cli>Keep in mind federal workers do not solicit or accept money. FEMA and the U.S. Small Business Administration staff never charge applicants for disaster assistance, inspections or help in filling out applications.\u003c/li>\n\u003cli>Provide your Social Security number and banking information only when registering for FEMA assistance, either by calling 800-621-3362, TTY 800-462-7585, or going online at www.DisasterAssistance.gov or the smartphone FEMA app.\u003c/li>\n\u003cli>If you use 711-Relay or Video Relay Services, call 800-621-3362. Operators are multilingual and calls are answered from 7 a.m. to 10 p.m. seven days a week.\u003c/li>\n\u003c/ul>\n\u003cp>\u003cstrong>Avoid phony housing inspectors\u003c/strong>: Owners/applicants may be especially vulnerable to phony housing inspectors claiming to represent FEMA or SBA. An applicant should always:\u003c/p>\n\u003cul>\n\u003cli>Ask to see the inspector’s identification badge. All federal employees and contractors carry official laminated photo identification.\u003c/li>\n\u003cli>Inspectors should also have each applicant’s nine-digit registration number.\u003c/li>\n\u003cli>FEMA inspectors never require banking information.\u003c/li>\n\u003cli>Note that FEMA housing inspectors verify damage, but do not hire or endorse specific contractors to fix homes or recommend repairs. They do not determine your eligibility for assistance.\u003c/li>\n\u003c/ul>\n\u003cp>If you aren’t filing for disaster relief but suspect someone is using your identity, contact the National Disaster Fraud Hotline at 1-866-720-5721 or by email at disaster@leo.gov.\u003c/p>\n\u003cp>If you are trying to apply for disaster relief but someone has used your identity to open an application, bring identification such as a driver’s license or utility bill to a \u003ca href=\"http://wildfirerecovery.org/local-assistance/local-assistance-centers/\" target=\"_blank\" rel=\"noopener\">local disaster assistance center\u003c/a> and notify FEMA officials there, Mansell says. They will help re-register people and issue a new registration number, he said.\u003c/p>\n\u003cp>Some people are getting home visits by people claiming to be from FEMA. Mansell said FEMA workers will call before coming to inspect properties and if they schedule an appointment, they will offer their government ID. After the application is initiated, FEMA says the process should include interviews and collection of more details before approval.\u003c/p>\n\u003cp>“There’s a lot more checks and balances,” Mansell says.\u003c/p>\n\u003cp>Any suspected fraud cases will be forwarded to the Office of Inspector General for the U.S. Department of Homeland Security, he said. An official at that agency declined to say how many claims are under investigation.\u003c/p>\n\u003cp>The deadline to file for disaster relief is Dec. 11.\u003c/p>\n\u003cp>If you suspect criminal or suspicious activity related to disaster relief or if you received a letter from the U.S. Small Business Administration and you did not apply for disaster relief with FEMA or the SBA, report to the National Disaster Fraud Hotline at 1-866-720-5721 or by email at disaster@leo.gov and contact SBA Customer Service Center at 1-800-659-2955.\u003c/p>\n\u003cp>\u003cem>KQED wants to hear your story. Have you experienced a fraudulent claim or potential scam following the North Bay fires? Please email reporter Devin Katayama at dkatayama@kqed.org.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>Sukey Lewis contributed to this report.\u003c/em>\u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>Federal officials suspect there have been tens of thousands of fraudulent claims filed for disaster relief following the deadly Northern California fires. That estimate means it’s a much bigger problem than they previously thought.\u003c/p>\n\u003cp>“It is an awful lot,” said FEMA spokesman Frank Mansell.\u003c/p>\n\u003cp>A couple of weeks ago FEMA had said fraudulent claims numbered in the thousands.\u003c/p>\n\u003cp>In some cases, residents have gotten fake mail, phone calls or in-person visits from people claiming to be federal officials.\u003c/p>\n\u003cp>Officials say the process of vetting claims for disaster relief is thorough, but that people should be prepared to respond if they suspect fraud or identity theft in the wake of the Northern California fires.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Here are common frauds, which you can also find on \u003ca href=\"https://www.fema.gov/disaster/4344\" target=\"_blank\" rel=\"noopener\">FEMA’s website\u003c/a>.\u003c/p>\n\u003cp>\u003cstrong>What you need to know to avoid common types of fraud\u003c/strong>:\u003c/p>\n\u003cul>\n\u003cli>Beware of anyone claiming to be from the Federal Emergency Management Agency (FEMA) or the state initiating visits, calls or emails asking for an applicant’s Social Security number, bank account number or other sensitive information.\u003c/li>\n\u003cli>Avoid scam artists who promise a disaster grant and ask for cash or advance payments in full.\u003c/li>\n\u003cli>Keep in mind federal workers do not solicit or accept money. FEMA and the U.S. Small Business Administration staff never charge applicants for disaster assistance, inspections or help in filling out applications.\u003c/li>\n\u003cli>Provide your Social Security number and banking information only when registering for FEMA assistance, either by calling 800-621-3362, TTY 800-462-7585, or going online at www.DisasterAssistance.gov or the smartphone FEMA app.\u003c/li>\n\u003cli>If you use 711-Relay or Video Relay Services, call 800-621-3362. Operators are multilingual and calls are answered from 7 a.m. to 10 p.m. seven days a week.\u003c/li>\n\u003c/ul>\n\u003cp>\u003cstrong>Avoid phony housing inspectors\u003c/strong>: Owners/applicants may be especially vulnerable to phony housing inspectors claiming to represent FEMA or SBA. An applicant should always:\u003c/p>\n\u003cul>\n\u003cli>Ask to see the inspector’s identification badge. All federal employees and contractors carry official laminated photo identification.\u003c/li>\n\u003cli>Inspectors should also have each applicant’s nine-digit registration number.\u003c/li>\n\u003cli>FEMA inspectors never require banking information.\u003c/li>\n\u003cli>Note that FEMA housing inspectors verify damage, but do not hire or endorse specific contractors to fix homes or recommend repairs. They do not determine your eligibility for assistance.\u003c/li>\n\u003c/ul>\n\u003cp>If you aren’t filing for disaster relief but suspect someone is using your identity, contact the National Disaster Fraud Hotline at 1-866-720-5721 or by email at disaster@leo.gov.\u003c/p>\n\u003cp>If you are trying to apply for disaster relief but someone has used your identity to open an application, bring identification such as a driver’s license or utility bill to a \u003ca href=\"http://wildfirerecovery.org/local-assistance/local-assistance-centers/\" target=\"_blank\" rel=\"noopener\">local disaster assistance center\u003c/a> and notify FEMA officials there, Mansell says. They will help re-register people and issue a new registration number, he said.\u003c/p>\n\u003cp>Some people are getting home visits by people claiming to be from FEMA. Mansell said FEMA workers will call before coming to inspect properties and if they schedule an appointment, they will offer their government ID. After the application is initiated, FEMA says the process should include interviews and collection of more details before approval.\u003c/p>\n\u003cp>“There’s a lot more checks and balances,” Mansell says.\u003c/p>\n\u003cp>Any suspected fraud cases will be forwarded to the Office of Inspector General for the U.S. Department of Homeland Security, he said. An official at that agency declined to say how many claims are under investigation.\u003c/p>\n\u003cp>The deadline to file for disaster relief is Dec. 11.\u003c/p>\n\u003cp>If you suspect criminal or suspicious activity related to disaster relief or if you received a letter from the U.S. Small Business Administration and you did not apply for disaster relief with FEMA or the SBA, report to the National Disaster Fraud Hotline at 1-866-720-5721 or by email at disaster@leo.gov and contact SBA Customer Service Center at 1-800-659-2955.\u003c/p>\n\u003cp>\u003cem>KQED wants to hear your story. Have you experienced a fraudulent claim or potential scam following the North Bay fires? Please email reporter Devin Katayama at dkatayama@kqed.org.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>Sukey Lewis contributed to this report.\u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>",
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"disqusTitle": "California Agencies Sometimes Fail to Protect Confidential Data",
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"content": "\u003cp>\u003cem>by Shoshana Walter, the \u003ca href=\"http://cironline.org/reports/calif-agencies-often-fail-protect-confidential-information-data-shows-4621\">Center for Investigative Reporting\u003c/a>\u003c/em>\u003c/p>\n\u003cp>\u003ca href=\"http://ww2.kqed.org/news/2013/05/28/in-california-incarcerated-students-fall-through-gaps-in-special-education-laws/cir-logo-2/\" rel=\"attachment wp-att-98222\">\u003cimg class=\"alignleft size-medium wp-image-98222\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/05/CIR-logo-300x72.png\" alt=\"CIR logo\" width=\"300\" height=\"72\">\u003c/a>When a thief rang up $2,000 in charges at Victoria’s Secret, Gymboree and Gap on Rosa Franco’s credit card, she quickly surmised the reason – the state of California had mistakenly left her credit card and Social Security numbers exposed.\u003c/p>\n\u003cp>Twice.\u003c/p>\n\u003cp>The state Department of Developmental Services, which serves Franco’s 5-year-old daughter and thousands of others with disabilities, had in March 2012 left stacks of billing and patient records in an abandoned, unsecured office. In another case, an employee in November left his unencrypted computer in his unlocked car overnight. The computer and more than 18,100 patient records disappeared.\u003c/p>\n\u003cfigure id=\"attachment_98275\" class=\"wp-caption alignleft\" style=\"max-width: 300px\">\u003ca href=\"http://ww2.kqed.org/news/2013/05/30/california-agencies-may-not-protect-confidential-data/computer-2/\" rel=\"attachment wp-att-98275\">\u003cimg class=\"size-medium wp-image-98275\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/05/computer-300x188.jpg\" alt=\"computer\" width=\"300\" height=\"188\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>“They send you a letter saying, ‘Oh, I’m sorry, oops, your information is lost!’ ” said Franco, 46, who lives in Los Angeles with her husband and daughter, who has Down syndrome.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“Thousands of people got that letter,” she said. “It’s unfair. We already have enough stress with our kids being special needs. Now I have to watch my daughter’s Social Security number.”\u003c/p>\n\u003cp>The security breach was one of thousands reported by state agencies over the past decade, the result of hacking, employee carelessness and theft. In 2012 alone, 16 state agencies and affiliated nonprofits reported major data breaches, according to state data reviewed by The Center for Investigative Reporting.\u003c!--more-->\u003c/p>\n\u003cp>Despite numerous laws and state policies aimed at protecting privacy, consumer information represents easy pickings for hackers and thieves. State agencies frequently fail to protect the confidentiality of patients and consumers, including those who are the most vulnerable to fraud and identity theft – children, the elderly and the disabled.\u003c/p>\n\u003cp>\u003cstrong>25 Percent Not Encrypted\u003c/strong>\u003c/p>\n\u003cp>Nearly 10 years of state-collected data on computer security incidents involving confidential and private information reveals state agencies do not always encrypt computers, even when they contain confidential information affecting thousands of people. Of the 283 computers and phones containing confidential information that were reported lost and stolen, 25 percent were not encrypted.\u003c/p>\n\u003cp>In some cases, employee carelessness, not hacking, leads to security breaches. In 1,646 cases since 2003, confidential information was released after state employees lost equipment and documents or mailed and posted private information to the wrong place, according to a state database of preliminary reports.\u003c/p>\n\u003cp>About one-third of cyberbreaches are successful, according to the database. Agencies reported 49 out of 154 computer viruses, denial-of-service attacks and hacking attempts breached security. On several occasions, computers were disconnected from the network and destroyed after being infected with malware.\u003c/p>\n\u003cp>Michele Robinson, acting director of the state’s Office of Information Security, said the agency tries to continually train and instruct information technology staff across the state to protect and encrypt sensitive information.\u003c/p>\n\u003cp>“Obviously, we’ve seen incidents where they have not done that,” she said. “From our perspective, one of those is one too many.”\u003c/p>\n\u003cp>The cases run the gamut, from employee error to hack attacks to poor information security practices.\u003c/p>\n\u003cp>In little more than two years, for example, the Department of Motor Vehicles has mailed the wrong driver’s license or vehicle registration to more than 1,000 people, according to internal records. Last year, a courier left the keys in the ignition as he delivered a package and 283 Social Security numbers and driver’s licenses were stolen.\u003c/p>\n\u003cp>In April 2012, a thief stole an unencrypted computer from a state Department of Public Health service provider in Palm Springs that contained confidential information on 4,400 patients with AIDS. A month later, a package containing Social Security numbers for 748,902 elderly home care recipients and their caretakers was stolen en route to a state insurance office.\u003c/p>\n\u003cp>In November, the Department of Health Care Services accidentally posted 14,000 Social Security numbers for in-home care workers online. Nine days later, employees realized their mistake and took down the list. But workers were alarmed to find the information easily on Google.\u003c/p>\n\u003cp>Encryption has been a required state practice for years. A memo in 2008 from the Office of Information Security and Privacy Protection reminded state agencies to encrypt all devices containing confidential information, a requirement long outlined in the State Administrative Manual. Yet many agencies have not followed the procedure, allowing electronic information to fall into harm’s way.\u003c/p>\n\u003cp>“We definitely need to find out how rampant this situation is and rectify the situation as soon as possible,” said Assemblyman Ed Chau, D-Monterey Park, chairman of the Assembly’s Select Committee on Privacy. “Building a firewall to safeguard information is crucial.”\u003c/p>\n\u003cp>Without encryption, anyone can override a computer’s password and gain access to its confidential contents by removing the computer’s hard drive, using software or guessing. Technology experts say encryption is an easy procedure for any information technology department.\u003c/p>\n\u003cp>“People don’t realize that passwords are quite trivial,” said Seth Schoen, a senior staff technologist for the Electronic Frontier Foundation. “They should encrypt their data storage on every device. In the absence of that, whoever gets the device will be able to read it.”\u003c/p>\n\u003cp>By law, the California Highway Patrol is required to take reports on each security incident and investigate crimes involving state computers or those that are on state property. But Sgt. Kelly Dixon, an investigator in the Computer Crimes Investigation Unit, said limited resources make it impossible for the unit to investigate every crime.\u003c/p>\n\u003cp>“Theoretically speaking, we would be responsible,” he said. “Practically speaking, the local agency would come and take the report. We’re not going to investigate a vehicle burglary.”\u003c/p>\n\u003cp>\u003cstrong>Notification Lacking\u003c/strong>\u003c/p>\n\u003cp>Records show many agencies do not always send out notification letters immediately after security breaches, despite California’s first-in-the-nation law requiring businesses and state agencies to notify anyone whose unencrypted private information might have been accessed by outsiders.\u003c/p>\n\u003cp>Breaches involving theft of equipment are rarely investigated or lead to an arrest.\u003c/p>\n\u003cp>Last September, a Highway Patrol officer was shopping at a Sacramento Barnes & Noble when a thief broke into the trunk of his personal car, according to a state property report. The loot included a Highway Patrol-issued.40-caliber Smith & Wesson pistol, three .40-caliber high-capacity magazines and the officer’s unencrypted laptop containing confidential information, according to the database.\u003c/p>\n\u003cp>The officer called the Sacramento Police Department to make a report; no arrest was made.\u003c/p>\n\u003cp>In the case of the Department of Developmental Services records, a supervisor of a program for developmentally disabled infants and toddlers at the North Los Angeles County Regional Center had left his work laptop, personal laptop and iPhone in his car overnight on a street in Santa Monica, according to a police report. When he returned in the morning, the items were gone.\u003c/p>\n\u003cp>Although the state supervisor reported the thefts to the Santa Monica Police Department, the case never was investigated. Santa Monica police Sgt. Richard Lewis said the employee did not call police to collect evidence but dropped off a report he filled out himself, which meant the case would not be examined.\u003c/p>\n\u003cp>“I guarantee this case was never looked at,” he said, adding that the man did not identify himself as a state employee. “If we know it’s state property, we do a full-blown report.”\u003c/p>\n\u003cp>The Department of Developmental Services did not report the incident to the Highway Patrol or notify affected patients until two months later.\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>Nancy Lungren, the department’s assistant director of communications, could not explain the delay but said the regional center “has been reminded of their responsibility to submit timely reports on these type of security incidents.”\u003c/p>\n\n",
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"description": "by Shoshana Walter, the Center for Investigative Reporting When a thief rang up $2,000 in charges at Victoria’s Secret, Gymboree and Gap on Rosa Franco’s credit card, she quickly surmised the reason – the state of California had mistakenly left her credit card and Social Security numbers exposed. Twice. The state Department of Developmental Services,",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cem>by Shoshana Walter, the \u003ca href=\"http://cironline.org/reports/calif-agencies-often-fail-protect-confidential-information-data-shows-4621\">Center for Investigative Reporting\u003c/a>\u003c/em>\u003c/p>\n\u003cp>\u003ca href=\"http://ww2.kqed.org/news/2013/05/28/in-california-incarcerated-students-fall-through-gaps-in-special-education-laws/cir-logo-2/\" rel=\"attachment wp-att-98222\">\u003cimg class=\"alignleft size-medium wp-image-98222\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/05/CIR-logo-300x72.png\" alt=\"CIR logo\" width=\"300\" height=\"72\">\u003c/a>When a thief rang up $2,000 in charges at Victoria’s Secret, Gymboree and Gap on Rosa Franco’s credit card, she quickly surmised the reason – the state of California had mistakenly left her credit card and Social Security numbers exposed.\u003c/p>\n\u003cp>Twice.\u003c/p>\n\u003cp>The state Department of Developmental Services, which serves Franco’s 5-year-old daughter and thousands of others with disabilities, had in March 2012 left stacks of billing and patient records in an abandoned, unsecured office. In another case, an employee in November left his unencrypted computer in his unlocked car overnight. The computer and more than 18,100 patient records disappeared.\u003c/p>\n\u003cfigure id=\"attachment_98275\" class=\"wp-caption alignleft\" style=\"max-width: 300px\">\u003ca href=\"http://ww2.kqed.org/news/2013/05/30/california-agencies-may-not-protect-confidential-data/computer-2/\" rel=\"attachment wp-att-98275\">\u003cimg class=\"size-medium wp-image-98275\" src=\"http://ww2.kqed.org/news/wp-content/uploads/sites/10/2013/05/computer-300x188.jpg\" alt=\"computer\" width=\"300\" height=\"188\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>“They send you a letter saying, ‘Oh, I’m sorry, oops, your information is lost!’ ” said Franco, 46, who lives in Los Angeles with her husband and daughter, who has Down syndrome.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“Thousands of people got that letter,” she said. “It’s unfair. We already have enough stress with our kids being special needs. Now I have to watch my daughter’s Social Security number.”\u003c/p>\n\u003cp>The security breach was one of thousands reported by state agencies over the past decade, the result of hacking, employee carelessness and theft. In 2012 alone, 16 state agencies and affiliated nonprofits reported major data breaches, according to state data reviewed by The Center for Investigative Reporting.\u003c!--more-->\u003c/p>\n\u003cp>Despite numerous laws and state policies aimed at protecting privacy, consumer information represents easy pickings for hackers and thieves. State agencies frequently fail to protect the confidentiality of patients and consumers, including those who are the most vulnerable to fraud and identity theft – children, the elderly and the disabled.\u003c/p>\n\u003cp>\u003cstrong>25 Percent Not Encrypted\u003c/strong>\u003c/p>\n\u003cp>Nearly 10 years of state-collected data on computer security incidents involving confidential and private information reveals state agencies do not always encrypt computers, even when they contain confidential information affecting thousands of people. Of the 283 computers and phones containing confidential information that were reported lost and stolen, 25 percent were not encrypted.\u003c/p>\n\u003cp>In some cases, employee carelessness, not hacking, leads to security breaches. In 1,646 cases since 2003, confidential information was released after state employees lost equipment and documents or mailed and posted private information to the wrong place, according to a state database of preliminary reports.\u003c/p>\n\u003cp>About one-third of cyberbreaches are successful, according to the database. Agencies reported 49 out of 154 computer viruses, denial-of-service attacks and hacking attempts breached security. On several occasions, computers were disconnected from the network and destroyed after being infected with malware.\u003c/p>\n\u003cp>Michele Robinson, acting director of the state’s Office of Information Security, said the agency tries to continually train and instruct information technology staff across the state to protect and encrypt sensitive information.\u003c/p>\n\u003cp>“Obviously, we’ve seen incidents where they have not done that,” she said. “From our perspective, one of those is one too many.”\u003c/p>\n\u003cp>The cases run the gamut, from employee error to hack attacks to poor information security practices.\u003c/p>\n\u003cp>In little more than two years, for example, the Department of Motor Vehicles has mailed the wrong driver’s license or vehicle registration to more than 1,000 people, according to internal records. Last year, a courier left the keys in the ignition as he delivered a package and 283 Social Security numbers and driver’s licenses were stolen.\u003c/p>\n\u003cp>In April 2012, a thief stole an unencrypted computer from a state Department of Public Health service provider in Palm Springs that contained confidential information on 4,400 patients with AIDS. A month later, a package containing Social Security numbers for 748,902 elderly home care recipients and their caretakers was stolen en route to a state insurance office.\u003c/p>\n\u003cp>In November, the Department of Health Care Services accidentally posted 14,000 Social Security numbers for in-home care workers online. Nine days later, employees realized their mistake and took down the list. But workers were alarmed to find the information easily on Google.\u003c/p>\n\u003cp>Encryption has been a required state practice for years. A memo in 2008 from the Office of Information Security and Privacy Protection reminded state agencies to encrypt all devices containing confidential information, a requirement long outlined in the State Administrative Manual. Yet many agencies have not followed the procedure, allowing electronic information to fall into harm’s way.\u003c/p>\n\u003cp>“We definitely need to find out how rampant this situation is and rectify the situation as soon as possible,” said Assemblyman Ed Chau, D-Monterey Park, chairman of the Assembly’s Select Committee on Privacy. “Building a firewall to safeguard information is crucial.”\u003c/p>\n\u003cp>Without encryption, anyone can override a computer’s password and gain access to its confidential contents by removing the computer’s hard drive, using software or guessing. Technology experts say encryption is an easy procedure for any information technology department.\u003c/p>\n\u003cp>“People don’t realize that passwords are quite trivial,” said Seth Schoen, a senior staff technologist for the Electronic Frontier Foundation. “They should encrypt their data storage on every device. In the absence of that, whoever gets the device will be able to read it.”\u003c/p>\n\u003cp>By law, the California Highway Patrol is required to take reports on each security incident and investigate crimes involving state computers or those that are on state property. But Sgt. Kelly Dixon, an investigator in the Computer Crimes Investigation Unit, said limited resources make it impossible for the unit to investigate every crime.\u003c/p>\n\u003cp>“Theoretically speaking, we would be responsible,” he said. “Practically speaking, the local agency would come and take the report. We’re not going to investigate a vehicle burglary.”\u003c/p>\n\u003cp>\u003cstrong>Notification Lacking\u003c/strong>\u003c/p>\n\u003cp>Records show many agencies do not always send out notification letters immediately after security breaches, despite California’s first-in-the-nation law requiring businesses and state agencies to notify anyone whose unencrypted private information might have been accessed by outsiders.\u003c/p>\n\u003cp>Breaches involving theft of equipment are rarely investigated or lead to an arrest.\u003c/p>\n\u003cp>Last September, a Highway Patrol officer was shopping at a Sacramento Barnes & Noble when a thief broke into the trunk of his personal car, according to a state property report. The loot included a Highway Patrol-issued.40-caliber Smith & Wesson pistol, three .40-caliber high-capacity magazines and the officer’s unencrypted laptop containing confidential information, according to the database.\u003c/p>\n\u003cp>The officer called the Sacramento Police Department to make a report; no arrest was made.\u003c/p>\n\u003cp>In the case of the Department of Developmental Services records, a supervisor of a program for developmentally disabled infants and toddlers at the North Los Angeles County Regional Center had left his work laptop, personal laptop and iPhone in his car overnight on a street in Santa Monica, according to a police report. When he returned in the morning, the items were gone.\u003c/p>\n\u003cp>Although the state supervisor reported the thefts to the Santa Monica Police Department, the case never was investigated. Santa Monica police Sgt. Richard Lewis said the employee did not call police to collect evidence but dropped off a report he filled out himself, which meant the case would not be examined.\u003c/p>\n\u003cp>“I guarantee this case was never looked at,” he said, adding that the man did not identify himself as a state employee. “If we know it’s state property, we do a full-blown report.”\u003c/p>\n\u003cp>The Department of Developmental Services did not report the incident to the Highway Patrol or notify affected patients until two months later.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"info": "Political Breakdown is a new series that explores the political intersection of California and the nation. Each week hosts Scott Shafer and Marisa Lagos are joined with a new special guest to unpack politics -- with personality — and offer an insider’s glimpse at how politics happens.",
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"possible": {
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"info": "Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. Possible paints an optimistic portrait of the world we can create through science, policy, business, art and our shared humanity. It asks: What if everything goes right for once? How can we get there? Each episode also includes a short fiction story generated by advanced AI GPT-4, serving as a thought-provoking springboard to speculate how humanity could leverage technology for good.",
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"info": "The Snap Judgment radio show and podcast mixes real stories with killer beats to produce cinematic, dramatic radio. Snap's musical brand of storytelling dares listeners to see the world through the eyes of another. This is storytelling... with a BEAT!! Snap first aired on public radio stations nationwide in July 2010. Today, Snap Judgment airs on over 450 public radio stations and is brought to the airwaves by KQED & PRX.",
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"soldout": {
"id": "soldout",
"title": "SOLD OUT: Rethinking Housing in America",
"tagline": "A new future for housing",
"info": "Sold Out: Rethinking Housing in America",
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