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美国:多家金融机构联合呼吁加强数据安全保障

近日,《美国银行家》在一份报告中援引了一封递交给美国能源和商业委员会主席Greg Walden和数字商务和消费者保护委员会主席Bob Latta的信件,报告称贸易协会要求立法者针对数据泄漏通知公众情况实施更为严格的国家数据安全标准与要求。特朗普总统即将签署税改法案,此举亦有助确保立法者可聚焦保护企业与消费者免受网络攻击侵害。

《美国银行家》表示,美国全国信贷联盟协会(Credit Union National Association)、全美联邦保险信用合作社(National Association of Federally Insured Credit Unions)、美国银行家协会(American Bankers Association)、消费者银行家协会(Consumer Bankers Association)、美国独立社区银行协会(Independent Community Bankers of America)、美国金融服务业论坛(Financial Services Roundtable)及清算所(The Clearing House)均签署了该信件。

这7家贸易集团在信件中写道:

“制止数据泄漏对消费者来说至关重要,而我们成员通常与被殃及者关系最为密切,因此对我们来说也意义重大。我们的重中之重在于保护消费者并确保其不卷入一般与数据泄漏伴生的诈欺行为,数据泄漏因此将对各种金融机构造成重大影响。无论何地发生泄漏,我们成员将为数据泄漏受害者提供救助。”

信件还提及了《数据安全法案》,该法案在去年国会会议中获得了金融业的一致支持,提出了保护在线数据的三大目标。法案规定,所有企业均应保护敏感个人与金融数据,需及时告知消费者,且需保证企业服从州及联邦政府的监管。

信件中表示:

“任何成文立法均需保证所有处理消费者敏感财务数据的企业具备稳健、灵活、可伸缩的数据保护程序,并需辅以有效的监管与执行程序,保证可靠与合规。”

Seven trade associations representing banks and credit unions have joined forces to call on Congress to put in place stricter cybersecurity standards to prevent more data breaches.

According to a report in American Banker – citing a letter sent to U.S. Reps. Greg Walden, R-Oregon, and Bob Latta, R-Ohio, who chair the House Committee on Energy and Commerce and the Subcommittee on Digital Commerce and Consumer Protection – the trade associations demanded that lawmakers put in force stronger national data security standards and requirements about notifying the public when a breach does occur. With the tax reform about to be signed by President Donald Trump, this move helps to ensure that lawmakers can now focus on protecting businesses and consumers from cyberattacks.

According to the American Banker, the letter was signed by the Credit Union National Association, National Association of Federally Insured Credit Unions, American Bankers Association, Consumer Bankers Association, Independent Community Bankers of America, Financial Services Roundtable and The Clearing House.

“Stopping breaches is critical for consumers, and also important to our members, who often have the closest relationships with those affected,” the trade groups wrote in the letter. “Data breaches impose significant costs on financial institutions of all sizes, because our first priority is to protect consumers and ensure that they have no liability for fraud that typically follows a breach. Our members provide relief to victims of breaches, regardless of where the breach occurs.”

The letter points to the Data Security Act, which was unanimously supported by the financial industry in last year’s Congress and outlines three goals to protect online data. Under the legislation, all entities would have to protect sensitive personal and financial data, would have to notify consumers and impacted people in a timely manner, and must ensure companies are complying by oversight on the part of state and federal governments.

“Any legislation enacted into law must ensure that all entities that handle consumers’ sensitive financial data have in place a robust – yet flexible and scalable – process to protect data, which must be coupled with effective oversight and enforcement procedures to ensure accountability and compliance,” the letter also stated.


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