[ajross]

The Equifax dump (again, if it's really as described) is literally 10x larger than OPM. It's true that the OPM data was "worse" by abstract ideas of personal privacy, but not that the breach is worse from the perspective of "will drive government action".

Again, if there are really 144M valid SSN/name/address tuples out there in the wild, then very soon banks will simply no longer be able to authenticate applications for new accounts. They'll be swamped with fraud (remember that by US law, credit card fraud is their liability, not the consumer's), and demand action by the government to fix it.

But like I said, "if".