[thephyber]

Maybe then enough people at the same time would pressure state and federal legislators to regulation suspicious data brokers and creditors (and/or address insufficient/broken authentication in new credit accounts).

The Target breach was the thing that finally catalyzed the move from magstripe ccs to EMV ccs. I think we are currently on the precipice of the point when we need to move towards a second factor of authentication ("something you have" or "something you are" in addition to the lots of "something you know" that the current credit bureau system uses).