ABSTRACT
Today, more than ever before in the history of modern commerce, businesses find themselves acquiring, using, and protecting personal and corporate identity information. At the same time, identity theft and identity fraud crimes have “grown to epidemic proportions, [especially] theft of sensitive, non-public protected information.” 1 Consumers needing access to diverse goods and essential services increasingly turn over more and more identity data. Forbes Magazine has noted the existence of an increasingly acute market tension as “companies and the public sector grow more aggressive in gathering and using information,” while increasing the risk of identity theft and fraud. 2
