[anigbrowl]

Why not just shift the presumption of liability (absent verification) to the financial institution instead of the consumer? Loan issuers can hire skilled professionals to do credit verification, so why should consumers bear the risk for their lack of due diligence?

[ohazi]

"just"

Consumers would love this. Financial institutions would not. Guess who wins this battle?

[pwg]

> Consumers would love this. Financial institutions would not. Guess who wins this battle?

And everyone thought SOPA and PIPA were done deals, that is until the great internet SOPA/PIPA blackout day that resulted in so many calls to congress that the congress critters backed down.

If enough voters could be motivated appropriately to contact their congress critters requesting jail time for the Equifax executive staff that clearly did not stress security sufficiently, there would be some change that would occur.

Remember, money (donors) only help the congress critters to pay for the costs of the election. They still have to get those voters to actually vote for them. So there's still a way to influence their viewpoint. It just takes _way_ more than a few handfuls of voters calling/writing to reach the point where they actually pay attention anymore.

[anigbrowl]

For sure, and that's precisely the problem.