one of the reasons credit card scams took a massive nosedive is because laws were passed that made credit card companies liable for customers being scammed. that forced them to improve their security. there needs to be something similar done for banks and the credit rating agencies need to be taken to task as they have some of the worst security ever.

anyway my questions is, do you know of any laws being proposed to do this? are there even any politicians in america paying attention to this at all?