Identity Theft

Protecting your Debit and Credit Cards

Protecting Your Debit and Credit Cards: Tips and Best Practices

Debit and credit cards are an essential part of modern banking and financial transactions. While they can make our lives easier and more convenient, they can also pose a risk to our finances and personal information if not handled correctly. Protecting your debit and credit cards is critical to prevent fraud and unauthorized transactions. This article will explore tips and best practices for safeguarding your cards.

Protecting Your Debit Card

o Sign Your Card: Sign the back of your debit card as soon as you receive it to prevent someone else from using it.

o Keep Your PIN Secure: Protect your PIN from theft or observation by covering the keypad when entering it and not sharing it with anyone.

o Regularly Review Account Activity: Check your bank statements and account activity regularly to detect and report any unauthorized transactions.

o Notify Your Bank of Changes: Inform your bank if you change your address or phone number to ensure that your account information is accurate.

o Use Secure ATMs: Use ATMs in secure locations and ensure that the machine has not been tampered with.

Protecting Your Credit Card

o Sign Your Card: Sign the back of your credit card as soon as you receive it to prevent someone else from using it.

o Protect Your Card Information: Do not give out credit card information over the phone or email, unless you initiated the call or contact.

o Check Your Credit Report: Check your credit report regularly to ensure that there are no unauthorized accounts or activity.

o Monitor Account Activity: Regularly review your credit card statements and account activity online to detect and report any unauthorized transactions.

o Use Secure Websites: Only use websites that are secure and have an HTTPS in the URL to prevent card information theft.

General Tips for Protecting Debit and Credit Cards

o Keep Your Cards Safe: Keep your cards and card information in a secure location, such as a wallet or in a locked drawer.

o Check for Skimming Devices: Skimming devices can be used to steal card information at gas pumps and other card readers. Check the card reader for any suspicious attachments.

o Use Contactless Payments: Contactless payments use NFC technology and are highly secure against fraudulent activity.

o Use Digital Wallets: Digital wallets, such as Apple Pay or Google Pay, use tokenization technology that provides an extra layer of security to card transactions.

Conclusion

Protecting your debit and credit cards is crucial to prevent unauthorized transactions and financial loss. Regularly monitoring account activity, using secure ATMs, protecting PINs, and checking for skimming devices are a few ways to safeguard your cards. General tips include using contactless payments, digital wallets, and keeping cards and information in a secure location. By following these tips and best practices, individuals can reduce the risk of card fraud and protect their finances and personal information.

7 Ways to Stop Identity Theft

7 Ways to Stop Identity Theft

Identity theft statistics show that this crime is growing at a staggering rate and your privacy, as well as quality of life is in danger. When you realize your identity has been stolen, contact an identity theft lawyer to acquire legal advice and assistance.

STEP 1: Secure your Business or Home with Locks and Alarms:

Although a simple set, the installment of locks and alarms on your premises will deter criminals from breaking into your business or place of residence. The installment of these security measures will impede criminals from accessing your personal records or information stored on your computer. The installment of deadbolts on your external doors, alarm systems (monitored by a security company) and the installment of security films, screens, or bars on exposed windows will prevent thieves from accessing your personal information.

STEP 2: Keep your Personal Records in a Safe:

By storing your tangible records (including customer records and other financial data on paper) in safes or secured areas, you are limiting their exposure and impeding identity thieves from accessing the information. If you do not feel comfortable purchasing safe or have trouble finding storage for a bulky unit, you should store your personal information in a security deposit box at your local bank.

STEP 3: Shred your Documents:

All business records personal information containing financial numbers should never be tossed into the trash without being shredded first. If the documents aren’t shredded, a plethora of criminals and identity thieves can access the information copied on bills, financial statements, or personal documents. Numerous cases of identity theft result from mail services; anything that contains your name, address, or financial information must be shredded before they are discarded.

STEP 4: Limit Access to your Personal Computers:

All websites and online information must be protected through a unique and preferably lengthy personal password. Common passwords, such as birthdays or names, are susceptible to compromise; limit an identity thief’s ability to access your personal and financial information by utilizing a unique password.

STEP 5: Protect your Computer from Hackers:

Identity thieves, to access personal and financial information, hack into company databases and networks to usurp identities. All computers that contain financial or personal information should be protected by firewalls. These systems will help impede intruders by shutting out unauthorized users. Firewalls may be purchased at any computer store, online or in person. Additionally, a business owner may install a small router, which will contain numerous ports all blocked by firewalls to supply the user with another mechanism to dissuade identity thieves.

STEP 6: Be cautious of the Internet:

Purchasing items on the Internet through a credit card or checking account must be placed with caution; a consumer must ensure that the site they are accessing and utilizing is a secured site. Aside from various dangers, such as Spyware and viruses, unsecured sites may deliver your personal information to third parties, who in turn may usurp your information to commit egregious crimes.

STEP 7: Avoid Broadcasting Personal Information

When making purchases at retail stores or online, your personal information is often broadcasted or made tangible to various agents or other customers in the store. Although sometimes this is unavoidable, be sure to limit your personal information from exposure by developing an acute awareness. For instance, when using ATMs be sure to end your session after you have completed your transaction and close your windows or log-off after you have mad an online purchase.


7 Ways to Stop Identity Theft: Protect Yourself and Your Personal Information

Identity theft is a growing concern for individuals and businesses alike. Cybercriminals are finding new ways to obtain personal information and use it for fraudulent activities. Identity theft can lead to financial loss, damage to credit, and loss of reputatio n. However, there are effective ways to stop identity theft, protect yourself, and your personal information. Here are seven ways to prevent identity theft.

1. Use Strong Passwords and Two-Factor Authentication

One of the most effective ways to prevent identity theft is by using strong passwords and two-factor authentication. Avoid using common or easy-to-guess passwords. Use a combination of uppercase and lowercase letters, numbers, and symbols to create a strong password. Two-factor authentication provides an extra layer of security and requires a code or fingerprint to access an account.

2. Beware of Phishing Scams

Phishing scams can lead to identity theft by tricking individuals into giving away personal information. Be cautious of unsolicited phone calls or emails asking for personal information. Avoid clicking on suspicious links or downloading attachments from unknown senders.

3. Secure Your Devices and Networks

Securing personal devices and networks is vital in preventing identity theft. Use antivirus software to protect against malware and other cyber attacks. Enable firewalls, use secure networks, and avoid public Wi-Fi networks when accessing sensitive information.

4. Check Your Credit Report

Checking your credit report regularly can help detect any suspicious activity. Credit reports can be obtained from credit bureaus, such as Equifax or TransUnion. Review the report for any unauthorized accounts or activity and report any errors.

5. Shred Personal Documents

Shredding personal documents that contain sensitive information, such as bank statements and credit card bills, can prevent identity theft. Use a cross-cut shredder to ensure that the information cannot be pieced together.

6. Protect Your Social Security Number

The Social Security number (SSN) is a crucial piece of personal information and should be protected. Avoid carrying the SSN card in your wallet, and don’t give it out unless necessary. Provide the SSN only when required by law or to obtain a financial benefit.

7. Monitor Your Accounts and Activity

Monitoring accounts and activity frequently can identify any suspicious activity. Check bank statements, credit card bills, and other financial statements for any unauthorized transactions. Report any discrepancies immediately to the respective institution.

Conclusion

Stopping identity theft requires a combination of vigilance, caution, and proactive measures. Using strong passwords, two-factor authentication, avoiding phishing scams, securing devices and networks, checking credit reports, shredding documents, protecting the SSN, and monitoring accounts and activity are effective ways to prevent identity theft. Individuals and businesses must take the necessary steps to protect themselves and their personal information to avoid identity theft and its negative consequences.

Spyware Defined

Spyware Defined

What is Spyware?
Spyware is a classification of unlawful, illicit, and illegal methods of electronic criminal activity within the realm of the legal jurisdiction of Cyber Law. ‘Spyware’ is comprised of two words that have been joined into a single word:
‘Spy’ constitutes the clandestine nature and assumed unlawfulness undertaken by an individual gathering information unbeknownst the individual or group on whom are being observed
‘Ware’ is a colloquialism that entails the presence of software.
Spyware is primarily facilitated with regard to electronic identity theft in order to illegally obtain personal and private information; as a result, the term has been widely accepted in legal terminology.  Spyware is classified as any illegal computer program that is transmitted – and subsequently implanted – within the personal computer terminal(s) or networking system(s) belonging to an individual or group.
Upon the presence of Spyware within a computational system, the owner of that specific Spyware program will be granted the unlawful access onto the digital system(s) – ranging from digital communication to virtual data – belonging to a private citizen or entity; as a result of this unlawful collection of data, the perpetrator of such Spyware will be privy to personal and private information to which they are unauthorized – this type of information can range from personal communication to financial information.

What is Electronic Identity Theft?
Electronic identity theft typically consists of the misleading of an individual in a purposeful, deliberate, and harmful fashion; electronic software may be a broad classification within electronic settings, which can be utilized in a wide variety of forums and settings in order to facilitate electronic identity theft.
Spyware is utilized in order to facilitate the purposeful defrauding, deceiving or the misrepresentation of a product or service has taken place. The anonymity of those who participate in electronic identity theft operations is highly-prevalent within these criminal operations, due to the fact that modern telecommunication and information technology systems allow for the virtual communication of a multitude of individuals without the need for direct, personal contact.


How Does Spyware Work?
In terms of identity theft enacted through Spyware classified as ‘Trojan’ takes place as the particular make of Spyware makes its way into the computer terminal belonging to the victim without consent or knowledge on the part of the victim in question. Akin to The Trojan horse – a ploy utilized to deliver the Greeks into Troy through a deceptive ruse utilizing a hollow horse containing Greek soldiers as a gesture of surrender on the part of the Greeks – Spyware invades the security perimeter employed by computer systems utilized by its victims.
The misrepresentation of the spyware as legitimate may prompt unsuspecting individuals to permit the program access to a computer. Once the Spyware is installed onto a victim’s computer network, the perpetrator of this criminal act will secretly collect personal, private, and financial information belonging to the victim; subsequent to the collection of the data, the misuse of that information may take place in the form of identity theft.

Phishing Explained

Phishing Explained

What is Computer Identity Theft?

Identity Theft resulting from Computer Fraud is a classification of criminal activity that entails the proliferation of fraudulent activity taking place through the facilitation of electronic, online, computational, or Internet-based settings. In certain cases, identity theft undertaken through the implementation of electronic systems has been classified as ‘Wire Fraud’, which results from the visible wiring and circuitry present in electronics. Regardless of its presence within a virtual setting, computer-based identity theft operations typically mirror the vast expanse of methodologies.

What is Electronic Identity Theft?

Electronic Identity Theft is defined criminal act of fraudulently obtaining the personal information belonging to another individual within the realm of a computer or electronic setting. Typically, upon unlawfully obtaining this type of electronic data, the individual facilitating electronic identity theft will undergo the process of assuming the identity of the victim; this theft of identity takes place without the expressed consent of the victim.

In many cases, an individual committing identity theft will utilize deceptive means – within an electronic or computational setting – in order to gain access to the personal and private information belonging to another individual; this process may be achieved through a variety of methods involving electronic data theft.

How Does Electronic Data and Identity Theft Take Place?

The illegal possession of information, data, or records belonging to another individual or entity through the illicit use of a computer, which may undertake methods involving the disbursement of unsecured and fraudulent programs or documentation not only with the intent defraud, but also to unethically obtain personal and private information in its electronic form.

Electronic identity Theft may include Spamming, Phishing, and the installation of Spyware. Subsequent to the facilitation of this method of intrusive and illegal entry into electronic databases housing personal records, the individual committing identity theft will typically pose as that individual, unlawfully acting in that person’s place in order to achieve economic gain through a variety of means.

Electronic Data Theft Profile: Phishing

The criminal activity known as Phishing is classified as a variety of fraud that exists within a digital, virtual, or computational setting. Phishing is the unlawful, unethical, and illegal methodology facilitated by individuals with the intention of soliciting private, personal, and privileged information from individuals unfamiliar, unsuspecting, or unaware of the Phishing operation taking place.

Phishing is facilitated as both a communicative and online crime in which individuals – colloquially known as ‘Phishers’ – will employ deceptive, fraudulent, and misrepresentative means of electronic communication. These types of communication will be unlawfully dispersed throughout the communicative channels existing within the vast realm of Internet to a multitude of email addresses.

How Does Phishing Identity Theft Work?

Phishing Communications can emulate forms used by recognizable companies, as well as communications unlawfully sent from a hijacked email account belonging to friend or acquaintance of the victim. Typically, these communications will engage victims to transmit classified details – which can include personal and financial information – back to the facilitator of this type of identity theft operation. A successful Phishing operation results in the attainment of personal and private information that can be used for illegal economic gain or exploitative measures:

Email-based Phishing Fraudulent Solicitation: Fraudulent email addresses emulating those of reputable companies and business will be created within a Phishing Scam in order to solicit financial  or account information.

Email-based Phishing Exploitative Pleas: Oftentimes, these emails will convey a message stating a dire or emergency situation in which the ‘assistance’ of the victim is required in lieu of negative recourse; these types of electronic identity theft methodologies are undertaken by preying upon the compassion latent within their victims – once personal or private information is attained, the perpetrators may engage in identity theft upon fraudulently utilizing the unlawfully-acquired information.

Phishing is a criminal act of fraud involves the illegal and unlawful attempt of to attain restricted, unauthorized, and privileged information through means of fraudulent, communicative requests.


Phishing Explained: Recognizing and Defending Against Online Deception

Phishing is a widespread cyber threat that continues to deceive countless individuals and organizations. This article aims to provide a comprehensive explanation of phishing, its various forms, the techniques employed by cybercriminals, and practical steps to defend against it.

1. Understanding Phishing

Phishing is a form of cyber-attack in which cybercriminals use deceptive tactics to trick individuals into revealing sensitive information, such as usernames, passwords, credit card details, or personal data. The term “phishing” is a play on the word “fishing,” as attackers use bait to lure victims into their traps.

2. Forms of Phishing

Phishing takes on multiple forms, each with its own set of tactics:

a. Email Phishing: Attackers send fraudulent emails impersonating reputable entities, aiming to trick recipients into clicking on malicious links or providing personal information.

b. Spear Phishing: This is a targeted form of phishing where cybercriminals customize their messages to deceive specific individuals or organizations.

c. Vishing (Voice Phishing): Attackers use phone calls to deceive victims, often posing as legitimate entities to extract sensitive information.

d. Smishing (SMS Phishing): In smishing attacks, criminals send fraudulent text messages to mobile users, encouraging them to click on malicious links or reply with sensitive information.

e. Pharming: In pharming attacks, cybercriminals manipulate DNS (Domain Name System) settings to redirect victims to fraudulent websites, even when they type in legitimate web addresses.

3. Phishing Techniques

Phishers employ a variety of techniques to lure victims:

a. Impersonation: Cybercriminals impersonate reputable organizations, often using convincing logos, branding, and email addresses to deceive recipients.

b. Urgency and Fear: Phishing emails often create a sense of urgency or fear, pressuring recipients to act quickly without thinking.

c. Social Engineering: Phishers manipulate human psychology, exploiting trust, curiosity, and the desire to help others.

d. Malware Delivery: Some phishing emails contain attachments or links that, when clicked, deliver malware to the victim’s device.

e. Spoofed URLs: Attackers use misleading or altered URLs to make fake websites appear as legitimate ones.

4. Identifying Phishing Attempts

Recognizing phishing attempts is crucial in defending against them:

a. Check the Sender: Examine the sender’s email address for discrepancies or unusual domains.

b. Verify Requests: Be skeptical of emails or messages requesting sensitive information, even if they claim to be from reputable sources.

c. Look for Spelling and Grammar Errors: Phishing emails often contain spelling and grammar mistakes.

d. Inspect URLs: Hover your mouse over links to preview the destination URL before clicking.

e. Double-Check Email Content: Be wary of emails that create a sense of urgency or fear.

5. Defending Against Phishing

Protecting yourself from phishing attacks requires a combination of technology and vigilance:

a. Use Antivirus Software: Install and regularly update reputable antivirus and anti-malware software.

b. Enable Multi-Factor Authentication (MFA): MFA adds an extra layer of security, making it harder for attackers to gain unauthorized access.

c. Educate Yourself and Others: Understand phishing techniques and share knowledge within your organization or with family and friends.

d. Report Suspected Phishing: If you encounter a phishing attempt, report it to the relevant authorities or your organization’s IT department.

e. Stay Informed: Keep up to date with the latest phishing trends and security best practices.

Conclusion

Phishing is a persistent and evolving threat that can have serious consequences for individuals and organizations. By understanding its various forms, techniques, and how to identify phishing attempts, individuals can take proactive steps to defend against these deceptive cyberattacks. Vigilance, education, and robust cybersecurity measures are key to staying one step ahead of cybercriminals in an increasingly digital world.

Methods of Computer Fraud You Should Know

Methods of Computer Fraud You Should Know

Prosecuting Computer Fraud and Identity Theft

The legal field primarily focusing on the investigation and maintenance with regard to legislation, decorum, legality, and ethics with regard to computer networks – including the internet, electronic commerce (E-Commerce), the online marketplace, virtual social activity, and electronic communications – is classified as ‘Cyber Law’ or ‘Internet Law’. Computer-based fraud undertaken in order to commit identity theft is quite common within the digital age, which can include the illegal and unlawful solicitation through email and websites, misrepresentation of identity, or the attempt to fraudulently assume the identity of another individual. 

Measures undertaken in order to provide security with regard to the usage of electronic networks – as well as technologically-based communication systems that rely on the Internet as a means of online communication – may vary in the precautions taken in order to promote lawful Internet usage and legitimate electronic correspondence. When you realize your identity has been stolen contact an identity theft lawyer to acquire legal advice and assistance.

What are Some Methods of Computer Fraud Used for Identity Theft?

Computer-based Identity Theft typically involves perpetrators deceptively assuming the identity of another individual without the expressed consent with the intent of committing a crime; fraudulent and illicit attainment of personal information through the usage of unsecured websites may result in the victims of identity theft undergoing the loss of finances, personal safety, and privacy:

Hacking is the unlawful into the computer terminal, database, or digital record system belonging to another individual; hacking may be undertaken in order to unlawfully attain the personal and private information belonging to another individual

A computer virus is a program may be created to infiltrate a computer terminal belonging to another individual with the intent illicitly obtain information belonging to other individuals

Spyware are computer programs facilitating the unlawful collection of data, allowing individuals the illicit access to the personal and private information belonging to another individual; the use of spyware may result in identity theft.


Methods of Computer Fraud You Should Know: Protecting Your Digital World

Computer fraud is a pervasive threat in the digital age, with cybercriminals constantly evolving their methods to compromise the security and privacy of individuals and organizations. This article provides an overview of various methods of computer fraud, offering insight into how cybercriminals operate and how to protect against these threats.

1. Phishing Attacks

Phishing attacks are one of the most common forms of computer fraud. Cybercriminals use deceptive emails, messages, or websites to trick individuals into revealing sensitive information, such as login credentials, financial details, or personal data. This is achieved through impersonation, social engineering, and the creation of convincing but fraudulent content.

2. Malware Infections

Malware, short for malicious software, includes viruses, trojans, worms, and spyware. Cybercriminals use malware to infiltrate and compromise computer systems, often by luring users into downloading malicious files or exploiting vulnerabilities in software. Once inside, malware can steal data, corrupt files, or damage the host system.

3. Ransomware Attacks

Ransomware is a specific type of malware designed to encrypt a victim’s files or lock them out of their system. Cybercriminals then demand a ransom in exchange for the decryption key. Ransomware can have devastating consequences for individuals and organizations, leading to data loss and financial extortion.

4. Social Engineering

Social engineering is a manipulative technique where cybercriminals exploit human psychology to gain access to sensitive information. This can involve impersonation, preying on emotions, and creating a sense of urgency to deceive individuals into revealing confidential data or granting unauthorized access.

5. Identity Theft

Identity theft involves the fraudulent acquisition and use of someone’s personal information for financial gain or other malicious purposes. Cybercriminals may steal social security numbers, credit card details, or other personal data to commit fraudulent activities, such as opening unauthorized accounts or making unauthorized purchases.

6. Online Scams

Online scams encompass a wide range of fraudulent schemes, including lottery scams, investment fraud, and romance scams. These schemes trick individuals into providing money or personal information in the belief of receiving a benefit that never materializes.

7. Account Takeovers

Account takeovers occur when cybercriminals gain unauthorized access to a user’s online accounts. This often happens through password breaches, credential stuffing, or the use of stolen login information. Once inside, the attacker can exploit the account for malicious purposes.

8. Data Breaches

Data breaches involve unauthorized access to an organization’s or individual’s data, leading to its exposure, theft, or misuse. Cybercriminals may target databases, cloud storage, or network systems to compromise sensitive information, such as customer data or intellectual property.

Protecting Against Computer Fraud

Defending against computer fraud requires a combination of proactive measures:

a. Educate Yourself: Stay informed about the latest fraud methods and scams to recognize potential threats.

b. Use Strong Passwords: Create complex, unique passwords for online accounts and use a password manager for convenience.

c. Enable Multi-Factor Authentication (MFA): Whenever possible, activate MFA to add an extra layer of security to your accounts.

d. Install Security Software: Use reputable antivirus and anti-malware software to protect against malware and other threats.

e. Verify Sources: Confirm the legitimacy of requests for personal information or financial transactions before taking action.

f. Report Suspicious Activity: If you suspect computer fraud, report it to the appropriate authorities or your organization’s IT department.

Conclusion

Computer fraud continues to be a pervasive and evolving threat in the digital world. Cybercriminals employ various methods to compromise the security and privacy of individuals and organizations. By understanding these methods and adopting robust cybersecurity practices, individuals and organizations can better protect themselves against the ever-present threat of computer fraud. Vigilance, education, and proactive measures are essential in maintaining digital safety and security.

Fraud Explained

Fraud Explained

Fraud Explained: Unmasking the Tactics and Consequences

Fraud is a deceitful and illegal practice that involves deception, manipulation, or misrepresentation to gain an unfair or unlawful advantage. This article aims to provide a comprehensive explanation of fraud, its various types, common tactics, and the consequences of fraudulent activities.

1. Understanding Fraud

Fraud is a broad term that encompasses a wide range of deceptive activities. At its core, fraud involves intentional dishonesty, with perpetrators aiming to obtain something of value, such as money, property, or services, under false pretenses. Fraud can occur in various settings, from financial transactions to online interactions and everyday exchanges.

2. Types of Fraud

Fraud can take many forms, including:

a. Financial Fraud: This category includes activities such as embezzlement, credit card fraud, investment scams, and tax evasion, all designed to gain illicit financial benefits.

b. Identity Theft: Identity theft involves the unauthorized use of someone’s personal information, often for financial gain, such as opening fraudulent bank accounts or credit cards.

c. Online Fraud: With the rise of the internet, online fraud has become prevalent. This includes phishing, online scams, and cybercrimes like ransomware attacks.

d. Insurance Fraud: Individuals or organizations may exaggerate or falsify insurance claims to receive payouts to which they are not entitled.

e. Healthcare Fraud: Healthcare providers or patients may commit fraud by billing for services or treatments that were not provided or were medically unnecessary.

3. Tactics and Techniques

Fraudsters employ a variety of tactics and techniques to deceive their victims, including:

a. Impersonation: Perpetrators may impersonate legitimate entities, such as government agencies or financial institutions, to gain trust and access to personal information or assets.

b. Social Engineering: Social engineering exploits human psychology to manipulate individuals into revealing confidential information or performing actions that benefit the fraudster.

c. False Documents: Fraudsters often create counterfeit documents, such as fake invoices, identification, or contracts, to facilitate their deceptive schemes.

d. Phishing: Phishing involves sending deceptive emails or messages that appear to be from reputable sources, tricking recipients into clicking on malicious links or providing personal information.

e. Ponzi Schemes: Ponzi schemes promise high returns to investors but use funds from new investors to pay off earlier investors, creating an unsustainable financial pyramid.

4. Consequences of Fraud

Fraud can have far-reaching consequences for both individuals and society as a whole:

a. Financial Loss: Victims of fraud often suffer financial losses, including theft of funds, unauthorized charges, and damage to their credit.

b. Emotional and Psychological Impact: Fraud can result in emotional distress, anxiety, and a loss of trust in others.

c. Legal Penalties: Perpetrators of fraud may face legal consequences, including fines, imprisonment, and asset forfeiture.

d. Reputational Damage: Being associated with fraudulent activities can have lasting damage to one’s reputation, both personally and professionally.

e. Erosion of Trust: Widespread fraud can erode trust in financial institutions, businesses, and government entities, negatively affecting society at large.

5. Preventing and Combating Fraud

Preventing and combating fraud requires vigilance and proactive measures:

a. Educate Yourself: Stay informed about common fraud tactics and scams to recognize potential threats.

b. Verify Requests: Always verify the legitimacy of requests for personal information or financial transactions before taking action.

c. Use Strong Passwords: Create strong, unique passwords for online accounts and enable multi-factor authentication whenever possible.

d. Report Suspected Fraud: If you encounter fraudulent activities, report them to the appropriate authorities or organizations.

e. Employ Security Measures: Employ security software, such as antivirus and anti-malware programs, to protect against online threats.

Conclusion

Fraud is a pervasive and detrimental problem that affects individuals, organizations, and society at large. By understanding the nature of fraud, recognizing common tactics, and taking proactive measures to prevent and combat it, individuals and organizations can better protect themselves against the various forms of deceit and deception that threaten financial and personal security. Vigilance, education, and responsible practices are essential in the ongoing battle against fraud.


What is Fraud?

Fraud refers to an illegal act which consists of the misleading of an individual in a purposeful, deliberate, and harmful fashion. Those who commit fraud typically do so to achieve a personal gain by misrepresenting themselves. Fraud is a broad classification within the legal spectrum, which can be manifested in a wide variety of forums and settings.

There are numerous acts, which can be classified as fraudulent; however, each action is undertaken by the aggressor to achieve either a financial or personal gain of some sort. To be classified as fraud, the action must meet one the elements of fraud. Fraud occurs when a representation of an existing fact and its materiality is delivered as a falsity or a misrepresentation to egregiously gain access to funds or monies that the fraudulent party would otherwise not have access to.

Associated Terminology

The following legal terms are commonly associated with charges of Fraud:

Scam: An illegal, deceptive, and structured plan employed to purposely defraud its participants

Identity Theft: The illegal assumption of the identity belonging to another individual with the hopes of gain and profit through fraudulent acts

Misrepresentation: The act of deliberately portraying or falsifying information in order to defraud

Telemarketing Fraud: Acts of fraud conducted through the solicitation over the telephone

False Advertising: A deceptive act of misleading a consumer by falsifying product – or service – details in order to substantiate sales and increase revenue on the part of a business or commercial operation

The Preparation of a Fraud Defense

Individuals charged with fraud are encouraged to consult with legal professionals specializing in criminal law – and if possible – those who focus on Fraud legality, criminal law, defense, and litigation.

When constructing a fraud defense, the charged party may be asked to provide the nature of the events surrounding the Fraud in question including, the gross amount of damage or loss sustained by the victims, the biographical information with regard to any and all victims, any previous arrests and/or convictions, evidence and witness testimony, full account of the details surrounding the event in question, and the arrangement for bail or bond.

Reporting a Fraud Offense

In the event that an individual has been made aware of an ongoing Fraud, or has been party to a Fraud that has occurred in the past, they are encouraged to contact their local authorities or law enforcement department in order to report the details of the offense. In the event that an individual wishes to do so in an anonymous fashion, they have to opportunity to contact the appropriate government department, such as the National Crime Prevention Council through their telephone number: (202) 466-6272.

7 Steps To Stop Identity Theft Today

7 Steps To Stop Identity Theft Today

7 Steps To Stop Identity Theft Today

Identity theft is a pervasive and growing threat in today’s digital age. Protecting your personal information and financial well-being is crucial. This article outlines seven essential steps you can take right now to prevent identity theft.

1. Strengthen Passwords and Enable Multi-Factor Authentication (MFA)

Secure Your Digital Fortress

The foundation of digital security starts with robust passwords and multi-factor authentication:

a. Strong Passwords: Create complex and unique passwords for all online accounts. Avoid easily guessable information like birthdays and names.

b. Password Manager: Consider using a password manager to generate and store your passwords securely.

c. Multi-Factor Authentication: Enable MFA wherever possible to add an extra layer of security. This typically involves a code sent to your phone or email.

2. Protect Your Personal Information

Guard Your Sensitive Data

Be vigilant about safeguarding your personal information:

a. Be Cautious Online: Avoid sharing sensitive data on unsecured websites and be cautious with what you post on social media.

b. Shred Documents: Shred documents containing personal information, such as financial statements and bills.

c. Limit Sharing: Only share personal information when absolutely necessary, and always verify the identity of the requesting party.

3. Educate Yourself and Stay Informed

Knowledge is Power

Staying informed about identity theft trends and tactics can help you recognize potential threats:

a. Educate Yourself: Learn about common identity theft techniques like phishing, spear-phishing, and malware attacks.

b. Regularly Check Your Financial Statements: Review your bank and credit card statements for suspicious or unauthorized transactions.

c. Follow News and Updates: Stay updated on the latest scams and security breaches to protect yourself proactively.

4. Secure Your Devices and Networks

Strengthen Digital Barriers

Your devices and networks are prime targets for cybercriminals. Secure them:

a. Install Security Software: Use reputable antivirus and anti-malware software to protect against online threats.

b. Regular Updates: Keep your operating system, software, and applications up to date to patch vulnerabilities.

c. Secure Your Wi-Fi: Use strong, unique passwords for your Wi-Fi network and enable encryption to prevent unauthorized access.

5. Be Wary of Phishing Attempts

Recognize and Avoid Phishing

Phishing is a common method for identity theft. Learn to spot phishing attempts:

a. Verify Sources: Confirm the legitimacy of requests for personal information or financial transactions before taking action.

b. Beware of Suspicious Emails: Watch out for emails with spelling or grammar errors and avoid clicking on suspicious links.

c. Double-Check URLs: Hover your mouse over links in emails to preview the destination URL before clicking.

6. Monitor Your Credit and Financial Activity

Keep an Eye on Your Finances

Regularly monitoring your credit and financial activity can help you detect identity theft early:

a. Check Your Credit Reports: Obtain free credit reports from major credit bureaus and review them for discrepancies or unauthorized accounts.

b. Set Up Alerts: Many banks and credit card companies offer account activity alerts, enabling you to detect unusual transactions promptly.

c. Report Suspicious Activity: If you suspect identity theft, contact your financial institutions and credit bureaus immediately to report the issue.

7. Secure Physical Documents

Protect Physical Records

Securing physical documents is just as important as safeguarding digital information:

a. Lock Your Mailbox: Prevent identity theft by securing your mailbox with a lock to prevent the theft of personal documents.

b. Store Important Documents Safely: Keep personal identification, passports, and financial statements in a secure, fire-resistant safe or lockbox.

c. Shred Sensitive Documents: Shred documents containing personal information, such as financial statements, before disposal.

Conclusion

Identity theft is a persistent threat in our increasingly digital world. By taking proactive steps to secure your information, recognize and prevent common tactics, and remain informed about the latest identity theft trends, you can significantly reduce the risk of becoming a victim. Protecting your identity is a continuous effort, and these seven steps are a strong foundation for maintaining your personal and financial security.


1. Secure your Business or Home with Locks and Alarms:

Although a simple set, the installment of locks and alarms on your premises will deter criminals from breaking into your business or place of residence. The installment of these security measures will impede criminals from accessing your personal records or information stored on your computer. The installment of deadbolts on your external doors, alarm systems (monitored by a security company) and the installment of security films, screens, or bars on exposed windows will prevent thieves from accessing your personal information.

2. Keep your Personal Records in a Safe:

By storing your tangible records (including customer records and other financial data on paper) in safes or secured areas, you are limiting their exposure and impeding identity thieves from accessing the information. If you do not feel comfortable purchasing safe or have trouble finding storage for a bulky unit, you should store your personal information in a security deposit box at your local bank.

3. Shred your Documents:

All business records personal information containing financial numbers should never be tossed into the trash without being shredded first. If the documents aren’t shredded, a plethora of criminals and identity thieves can access the information copied on bills, financial statements, or personal documents. Numerous cases of identity theft result from mail services; anything that contains your name, address, or financial information must be shredded before they are discarded.

4. Limit Access to your Personal Computers:

All websites and online information must be protected through a unique and preferably lengthy personal password. Common passwords, such as birthdays or names, are susceptible to compromise; limit an identity thief’s ability to access your personal and financial information by utilizing a unique password.

5. Protect your Computer from Hackers:

Identity thieves, to access personal and financial information, hack into company databases and networks to usurp identities. All computers that contain financial or personal information should be protected by firewalls. These systems will help impede intruders by shutting out unauthorized users. Firewalls may be purchased at any computer store, online or in person. Additionally, a business owner may install a small router, which will contain numerous ports all blocked by firewalls to supply the user with another mechanism to dissuade identity thieves.

6. Be cautious of the Internet:

Purchasing items on the Internet through a credit card or checking account must be placed with caution; a consumer must ensure that the site they are accessing and utilizing is a secured site. Aside from various dangers, such as Spyware and viruses, unsecured sites may deliver your personal information to third parties, who in turn may usurp your information to commit egregious crimes.

7. Avoid Broadcasting Personal Information 

When making purchases at retail stores or online, your personal information is often broadcasted or made tangible to various agents or other customers in the store. Although sometimes this is unavoidable, be sure to limit your personal information from exposure by developing an acute awareness. For instance, when using ATMs be sure to end your session after you have completed your transaction and close your windows or log-off after you have mad an online purchase.

What Are Credit Monitoring Programs

What Are Credit Monitoring Programs

What Are Credit Monitoring Programs: Safeguarding Your Financial Well-being

Introduction

Credit monitoring programs have become a crucial tool in managing and protecting your financial well-being. This article explores what credit monitoring programs are, how they work, and the benefits they offer in safeguarding your credit and financial health.

1. Understanding Credit Monitoring

A Watchful Eye on Your Credit

Credit monitoring programs are services designed to track and oversee your credit reports and credit scores from the major credit bureaus, such as Equifax, Experian, and TransUnion. These services keep a vigilant watch over your credit profile, identifying any suspicious or unauthorized activity that could indicate identity theft or fraud.

2. How Credit Monitoring Programs Work

Behind the Scenes

Credit monitoring programs employ several techniques to ensure that your credit is under constant surveillance:

a. Regular Credit Report Updates: These programs routinely access your credit reports to detect any changes or discrepancies.

b. Alerting Mechanisms: If any noteworthy activity, such as a new account opening, credit inquiry, or delinquent payment, is detected, the program sends you an alert via email, text message, or app notification.

c. Access to Credit Scores: Most credit monitoring programs provide you with access to your credit scores from multiple credit bureaus, enabling you to track your financial health.

d. Credit Analysis: These services often include credit analysis and personalized recommendations to help you improve your credit standing.

3. Benefits of Credit Monitoring

Your Financial Guardian

Credit monitoring programs offer several significant benefits:

a. Early Detection of Identity Theft: These programs are vigilant in detecting any suspicious activity, allowing you to act swiftly in case of identity theft or fraudulent transactions.

b. Fraud Prevention: By identifying unauthorized access or changes to your credit profile, credit monitoring services help prevent fraud before it escalates.

c. Improved Financial Health: Regular access to your credit scores and reports enables you to monitor your financial health and take steps to improve it.

d. Peace of Mind: Knowing that your credit is under constant watch provides peace of mind, reducing the stress associated with identity theft and credit fraud.

e. Faster Resolution: In the event of identity theft or credit fraud, early detection through credit monitoring allows for quicker resolution and damage mitigation.

4. Who Should Use Credit Monitoring Programs

A Tool for Everyone

Credit monitoring programs are beneficial for a wide range of individuals, including:

a. Anyone Concerned About Identity Theft: If you’re worried about the risk of identity theft, credit monitoring can provide reassurance.

b. Individuals with Past Credit Issues: If you have had credit problems in the past, credit monitoring can help you rebuild your credit.

c. Victims of Previous Identity Theft: If you’ve been a victim of identity theft in the past, credit monitoring is an essential tool for ongoing protection.

d. Those Applying for Credit: If you plan to apply for a loan or credit card, monitoring your credit reports beforehand can help you prepare and potentially improve your chances of approval.

5. Choosing a Credit Monitoring Program

What to Look For

When selecting a credit monitoring program, consider the following factors:

a. Coverage: Ensure the program monitors your credit with all three major credit bureaus.

b. Alerts: Look for a program that provides prompt alerts via multiple communication channels.

c. Cost: Compare prices and services to find a program that fits your budget and requirements.

d. Additional Features: Some programs offer extra features, such as identity theft insurance, that can enhance your protection.

Conclusion

Credit monitoring programs offer a vigilant and proactive approach to safeguarding your financial health. By providing constant surveillance of your credit reports and scores, these services empower you to detect and address any suspicious activity swiftly. Whether you are concerned about identity theft, rebuilding your credit, or simply maintaining your financial well-being, credit monitoring programs are a valuable tool to help you achieve these goals.


What are Credit Monitoring Programs?

The Federal Trade Commission habitually warns consumers and business owners to the overwhelming negative externalities attached to identity thefts. Victims of identity theft often feel emotional and financial shockwaves that resonate long after their particular situation has been resolved. Typically, a victim of identity theft will be turned down for credit cards, loans and numerous other financial transactions. As a result of these aftereffects, it is strongly suggested that an individual take advantage of the numerous resources available to help curb bouts of identity theft.

Credit monitoring is a technique used to impede identity thieves from accessing personal or financial information. A credit monitoring program will track an individual’s credit records on a regular schedule to ensure that no fraudulent or suspicious actions have been made, which would invariably alter the underlying individual’s credit score.

Credit monitoring programs, upon reviewing credit records, will send alerts to the protected individual when there suspicious activity—like when a creditor inquires about or opens a new account.

These alerts are meant to inform subscribers of potential identity theft; if an individual is notified that a new account is being opened without their authorization they will know that information has been obtained in a fraudulent manner.

Additionally, some computer monitoring programs will guarantee their service and aid customers in resolving issues if identity theft takes places. An effective means to ensure such a policy is to remove subscribers of credit monitoring programs from prescreened credit card offers and other mailings of a similar nature.

Benefits and Drawbacks of Credit Monitoring Programs:

The majority of identity theft victims will not realize the breech of their personal or financial information until a bill collector notifies them of failed payments or they get rejected from opening new accounts. One of the primary advantages of a credit monitoring program is that the software will alert the victim of suspicious activity in an expedited and efficient fashion.

Elucidating on such problems or suspicious activity at an early stage will minimize the damage of identity theft; if an account is breeched at an early time, they can me closed to prevent further activity. Furthermore, a credit monitoring program will mitigate the likelihood of identity theft altogether.

The majority of identity thieves look to extract finances through the use of personal information. Whether by opening a new credit card or fraudulently wiring money to another account, an identity thief aims, in some way, to benefit from the usurping of personal information. To prevent such an act form occurring, a credit monitoring program will constantly observe an individual’s financial actions and credit history to ensure that the subscriber commits only authorized transactions.

The most significant drawback associated to credit monitoring programs is that some of the devices only monitor reports from one credit bureau. The three bureaus, Equifax, Experian and TransUnion possess different information in their records so various fraud signals may go undetected. As a result of this drawback, the Federal Trades Commission recommends that ta prospective subscriber check with the Better Business Bureau and the individual’s local attorney general’s office for complaints before signing up with a particular credit monitoring firm.

Real ID Act

Real ID Act

 REAL ID ACT TEXT

What is the Real ID Act?

The Real ID Act 2009 was an Act of the United States’ Congress that modified federal laws pertaining to authentication, security and the issuance procedures surrounding standards for state driver’s licenses, identification cards, and various immigration issues that solely pertained to suspected acts of terrorism.

The laws established by the Real ID Act established a series of requirements for the obtainment of state driver’s licenses and identification cards. These regulations also revolved around restrictions on how identification cards were to be accepted by the federal government for investigation purposes as defined by the Secretary of Homeland Security. The Secretary of Homeland Security–the individual in charge of defining the official purposes for which identification is needed as it pertains to driver’s license and other forms of identification—mandates that individuals show identification when boarding commercially operated flights and upon entering nuclear power plants and federal buildings. When you realize your identity has been stolen contact an identity-theft lawyer to acquire legal advice and assistance.

The REAL ID Act 2009 was authored by Representative James Sensenbrenner of Wisconsin; the bill passed through the house but immediately went stagnant upon reaching the Senate. The bill was attached as a rider on a military spending bill; in March of 2007 the enforcement of the REAL ID Act was officially postponed for two years. 

In January of 2008, the United States Department of Homeland Security issued a final decision to establish the minimum standards regarding the issuance of a state’s driver’s license and identification card—these minimum standards were established in conjunction with the REAL ID Act. These regulations created standards for individual states to meet the requirements of the REAL ID Act, including the following:

o Proof of identity

o Lawful status of the applicant

o Information and security features that are to be incorporated into each identification card

o A list of security standards for the offices that are responsible for issuing driver’s licenses and identification cards

What does the Real ID Act Implement?

The REAL ID Act implements the following procedures and regulations:

o Title II of the REAL ID Act establishes federal standards for state-issued driver’s licenses and other forms of non-driver identification cards

o The REAL ID Act alters visa limits for nurses, Australian citizens and temporary workers

o The REAL ID Act introduces regulations to cover “delivery bonds”, which are similar to bail bonds but for non-American citizens. 

o The REAL ID Act funds several pilot projects and reports that are explicitly related to border security

o The REAL ID Act updates laws regarding applications for asylum and the deportation of aliens for terrorist activity. 

o The REAL ID Act terminates laws that impede with the construction of physical border barriers. 

Real ID Act and Rules Concerning Driver’s Licenses and IDs as Identification:

United States Driver’s licenses are issued by individual states in America and not by the federal government. Furthermore, because the United States does not implement a national identification car and because of the widespread use of motor vehicles in the nation, driver’s licenses are regarded as the de facto form of identification within the country. For non-driving citizens, states also provide voluntary identification cards which do not carry driving privileges. Prior to the enforcement of the REAL ID Act of 2009, each set established its own rules regarding the issuance of identification cards and driver’s licenses, including the look of the card, the supplied data, the information stored in the respective state’s database of the card holder and what documents must be provided to acquire one. 

The REAL ID Act’s Federal Standards for Identification Cards and Driver’s Licenses:

The REAL ID Act provides a series of implications regarding the issuance of identification cards and driver’s licenses in the United States. Through these regulations, the REAL ID Act of 2009 officially repeals the driver’s license rules provided in the Intelligence Reform and Terrorism Prevention Act. The REAL ID Act established a cooperative state-federal protocol to create a series of federal standards regarding the issuance and obtainment of driver’s licenses. 

The Driver’s License Summary of the REAL ID Act provides the following provisions of the legislation’s driver’s license title:

o Data Retention and Storage

o Immigration Requirements

o Grants to States

o Authority

o Linking of State Databases

o Minimum Standards for Federal use

o Repeal of the 9/11 Commission Implementation Act DL/ID Provisions

o Security and Fraud Prevention Standards

o Verification of Documents

According to the REAL ID Act, a Federal agency may not accept a driver’s license or identification card that is issued by a state to any individual unless the state is meeting the requirements affirmed by the legislation. The Department of Homeland Security is required to consider additional means in which a REAL ID can be used for official federal purposes without Congress intervention. States are free to issue non-complying identification cards and driver’s licenses so long as the cards have unique designs and clear statements asserting that they cannot be accepted for Federal identification purposes. The federal Transportation Security Administration is the agency wholly responsible for security check-ins at airports; this delegation affirms that bearers of non-complaint documents are not able to travel on common air crafts without acquiescing to additional screening unless the individual possesses an alternative government-issued photo identification card. 

Individuals born after December 1st of 1964 are required to obtain a REAL ID by December 1st of 2014. Individuals born before December 1st of 1964 are required to obtain a REAL ID by December 1st of 2017. 

Before REAL IDs can be issued, the applicant must provide the following documentation:

o A photo ID or a non-photo ID that includes the applicant’s full legal name and date of birth. 

o A legal document that affirms the applicant’s date of birth

o A legal document that shows the applicant’s name and principal residence address

o A legal document that reveals the applicant’s Social Security number and legal status. 


The Real ID Act Text: Implications and Implementation

Introduction

The Real ID Act is a significant piece of U.S. federal legislation that has far-reaching implications for identification, security, and access to federal facilities and transportation services. This article delves into the text of the Real ID Act, its background, key provisions, and the impact of its implementation.

1. Historical Context

The Real ID Act was passed by the U.S. Congress in 2005 as a response to the 9/11 Commission’s recommendations to enhance security measures in the United States. The Act aimed to establish stricter standards for identification documents, particularly driver’s licenses, to prevent terrorism and fraudulent identification.

2. Key Provisions

The Real ID Act contains several significant provisions, including:

a. Minimum Document Standards: It sets forth specific requirements for states to issue driver’s licenses and identification cards, including document verification, proof of legal presence, and data security standards.

b. Enhanced Security Features: The Act mandates the inclusion of security features on identification cards, making it harder to counterfeit or tamper with them.

c. Access to Federal Facilities: Real ID-compliant identification cards are required for access to certain federal facilities, such as military bases, nuclear power plants, and federal courthouses.

d. Air Travel: The Act stipulates that beginning on October 1, 2020, passengers using identification cards for air travel must have Real ID-compliant cards.

e. Privacy and Data Protection: The Act addresses privacy concerns by limiting the sharing of information stored in state databases and requiring that personal information is adequately protected.

3. Implementation Challenges

The implementation of the Real ID Act has not been without its challenges:

a. Compliance Deadlines: Many states struggled to meet the initial compliance deadline of January 22, 2018, leading to several extensions.

b. State Variations: State governments had to adapt their systems to comply with the Act, which resulted in variations in how Real ID-compliant cards are issued and processed.

c. Public Concerns: Privacy advocates raised concerns about the Act’s data-sharing provisions and the potential for misuse of personal information.

d. Cost and Resources: State governments faced financial challenges in implementing the Act’s requirements, including upgrading technology and providing staff training.

e. Access to Services: Some citizens experienced difficulties obtaining Real ID-compliant cards, which impacted their ability to access certain federal facilities and air travel.

4. Impact on Travel and Security

The Real ID Act has significantly impacted air travel and access to federal facilities:

a. Air Travel: The Act has changed the identification requirements for air travel, with Real ID-compliant cards becoming mandatory for domestic flights.

b. Security: The Act has enhanced security measures by providing more reliable identification cards, reducing the risk of identity fraud and unauthorized access to federal facilities.

c. Access to Federal Facilities: Individuals without Real ID-compliant cards may encounter difficulties when attempting to enter certain federal facilities.

5. Ongoing Relevance

The Real ID Act remains relevant in addressing evolving security concerns and the need for robust identification:

a. National Security: The Act plays a crucial role in national security by enhancing the authenticity of identification cards.

b. Privacy and Data Protection: Ensuring that personal information is protected remains an ongoing concern and focus for the Act’s implementation.

c. Travel and Access: The Act continues to affect air travel and access to federal facilities, underscoring the need for individuals to obtain Real ID-compliant cards.

Conclusion

The Real ID Act text is a comprehensive piece of legislation designed to enhance identification security and prevent fraudulent identification. While its implementation has faced challenges, the Act has fundamentally changed how identification cards are issued and used, with significant implications for air travel, access to federal facilities, and data protection. As the Act remains in effect, it continues to be a key component of national security and identification standards in the United States.

 

Real ID Act Text

Real ID Act Text

The Real ID Act Text: Implications and Implementation

Introduction

The Real ID Act is a significant piece of U.S. federal legislation that has far-reaching implications for identification, security, and access to federal facilities and transportation services. This article delves into the text of the Real ID Act, its background, key provisions, and the impact of its implementation.

1. Historical Context

The Real ID Act was passed by the U.S. Congress in 2005 as a response to the 9/11 Commission’s recommendations to enhance security measures in the United States. The Act aimed to establish stricter standards for identification documents, particularly driver’s licenses, to prevent terrorism and fraudulent identification.

2. Key Provisions

The Real ID Act contains several significant provisions, including:

a. Minimum Document Standards: It sets forth specific requirements for states to issue driver’s licenses and identification cards, including document verification, proof of legal presence, and data security standards.

b. Enhanced Security Features: The Act mandates the inclusion of security features on identification cards, making it harder to counterfeit or tamper with them.

c. Access to Federal Facilities: Real ID-compliant identification cards are required for access to certain federal facilities, such as military bases, nuclear power plants, and federal courthouses.

d. Air Travel: The Act stipulates that beginning on October 1, 2020, passengers using identification cards for air travel must have Real ID-compliant cards.

e. Privacy and Data Protection: The Act addresses privacy concerns by limiting the sharing of information stored in state databases and requiring that personal information is adequately protected.

3. Implementation Challenges

The implementation of the Real ID Act has not been without its challenges:

a. Compliance Deadlines: Many states struggled to meet the initial compliance deadline of January 22, 2018, leading to several extensions.

b. State Variations: State governments had to adapt their systems to comply with the Act, which resulted in variations in how Real ID-compliant cards are issued and processed.

c. Public Concerns: Privacy advocates raised concerns about the Act’s data-sharing provisions and the potential for misuse of personal information.

d. Cost and Resources: State governments faced financial challenges in implementing the Act’s requirements, including upgrading technology and providing staff training.

e. Access to Services: Some citizens experienced difficulties obtaining Real ID-compliant cards, which impacted their ability to access certain federal facilities and air travel.

4. Impact on Travel and Security

The Real ID Act has significantly impacted air travel and access to federal facilities:

a. Air Travel: The Act has changed the identification requirements for air travel, with Real ID-compliant cards becoming mandatory for domestic flights.

b. Security: The Act has enhanced security measures by providing more reliable identification cards, reducing the risk of identity fraud and unauthorized access to federal facilities.

c. Access to Federal Facilities: Individuals without Real ID-compliant cards may encounter difficulties when attempting to enter certain federal facilities.

5. Ongoing Relevance

The Real ID Act remains relevant in addressing evolving security concerns and the need for robust identification:

a. National Security: The Act plays a crucial role in national security by enhancing the authenticity of identification cards.

b. Privacy and Data Protection: Ensuring that personal information is protected remains an ongoing concern and focus for the Act’s implementation.

c. Travel and Access: The Act continues to affect air travel and access to federal facilities, underscoring the need for individuals to obtain Real ID-compliant cards.

Conclusion

The Real ID Act text is a comprehensive piece of legislation designed to enhance identification security and prevent fraudulent identification. While its implementation has faced challenges, the Act has fundamentally changed how identification cards are issued and used, with significant implications for air travel, access to federal facilities, and data protection. As the Act remains in effect, it continues to be a key component of national security and identification standards in the United States.


When you realize your identity has been stolen contact an identity theft lawyer to acquire legal advice and assistance.

HR 418 RFS

109th CONGRESS

1st Session

  1. R. 418

IN THE SENATE OF THE UNITED STATES

February 14, 2005

Received

February 17, 2005

Read twice and referred to the Committee on the Judiciary

AN ACT

To establish and rapidly implement regulations for State driver’s license and identification document security standards, to prevent terrorists from abusing the asylum laws of the United States, to unify terrorism-related grounds for inadmissibility and removal, and to ensure expeditious construction of the San Diego border fence.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the `REAL ID Act of 2005′.

TITLE I–AMENDMENTS TO FEDERAL LAWS TO PROTECT AGAINST TERRORIST ENTRY

SEC. 101. PREVENTING TERRORISTS FROM OBTAINING RELIEF FROM REMOVAL.

(a) Conditions for Granting Asylum- Section 208(b)(1) of the Immigration and Nationality Act (8 U.S.C. 1158(b)(1)) is amended–

(1) by striking `The Attorney General’ the first place such term appears and inserting the following:

(A) ELIGIBILITY- The Secretary of Homeland Security or the Attorney General’;

(2) by striking `the Attorney General’ the second and third places such term appears and inserting `the Secretary of Homeland Security or the Attorney General’; and

(3) by adding at the end the following:

(B) BURDEN OF PROOF-

(i) IN GENERAL- The burden of proof is on the applicant to establish that the applicant is a refugee, within the meaning of section 101(a)(42)(A). To establish that the applicant is a refugee within the meaning of such section, the applicant must establish that race, religion, nationality, membership in a particular social group, or political opinion was or will be a central reason for persecuting the applicant.

(ii) SUSTAINING BURDEN- The testimony of the applicant may be sufficient to sustain the applicant’s burden without corroboration, but only if the applicant satisfies the trier of fact that the applicant’s testimony is credible, is persuasive, and refers to specific facts sufficient to demonstrate that the applicant is a refugee. In determining whether the applicant has met the applicant’s burden, the trier of fact may weigh the credible testimony along with other evidence of record. Where the trier of fact determines, in the trier of fact’s discretion, that the applicant should provide evidence which corroborates otherwise credible testimony, such evidence must be provided unless the applicant does not have the evidence and cannot reasonably obtain the evidence without departing the United States. The inability to obtain corroborating evidence does not excuse the applicant from meeting the applicant’s burden of proof.

(iii) CREDIBILITY DETERMINATION- The trier of fact should consider all relevant factors and may, in the trier of fact’s discretion, base the trier of fact’s credibility determination on any such factor, including the demeanor, candor, or responsiveness of the applicant or witness, the inherent plausibility of the applicant’s or witness’s account, the consistency between the applicant’s or witness’s written and oral statements (whenever made and whether or not made under oath), the internal consistency of each such statement, the consistency of such statements with other evidence of record (including the reports of the Department of State on country conditions), and any inaccuracies or falsehoods in such statements, without regard to whether an inconsistency, inaccuracy, or falsehood goes to the heart of the applicant’s claim. There is no presumption of credibility.’.

(b) Withholding of Removal- Section 241(b)(3) of the Immigration and Nationality Act (8 U.S.C. 1231(b)(3)) is amended by adding at the end the following:

(C) SUSTAINING BURDEN OF PROOF; CREDIBILITY DETERMINATIONS- In determining whether an alien has demonstrated that the alien’s life or freedom would be threatened for a reason described in subparagraph (A), the trier of fact shall determine whether the alien has sustained the alien’s burden of proof, and shall make credibility determinations, in the manner described in clauses (ii) and (iii) of section 208(b)(1)(B).’.

(c) Other Requests for Relief From Removal- Section 240(c) of the Immigration and Nationality Act (8 U.S.C. 1230(c)) is amended–

(1) by redesignating paragraphs (4), (5), and (6) as paragraphs (5), (6), and (7), respectively; and

(2) by inserting after paragraph (3) the following:

(4) APPLICATIONS FOR RELIEF FROM REMOVAL-

(A) IN GENERAL- An alien applying for relief or protection from removal has the burden of proof to establish that the alien–

(i) satisfies the applicable eligibility requirements; and

(ii) with respect to any form of relief that is granted in the exercise of discretion, that the alien merits a favorable exercise of discretion.

(B) SUSTAINING BURDEN- The applicant must comply with the applicable requirements to submit information or documentation in support of the applicant’s application for relief or protection as provided by law or by regulation or in the instructions for the application form. In evaluating the testimony of the applicant or other witness in support of the application, the immigration judge will determine whether or not the testimony is credible, is persuasive, and refers to specific facts sufficient to demonstrate that the applicant has satisfied the applicant’s burden of proof. In determining whether the applicant has met such burden, the immigration judge shall weigh the credible testimony along with other evidence of record. Where the immigration judge determines in the judge’s discretion that the applicant should provide evidence which corroborates otherwise credible testimony, such evidence must be provided unless the applicant demonstrates that the applicant does not have the evidence and cannot reasonably obtain the evidence without departing from the United States. The inability to obtain corroborating evidence does not excuse the applicant from meeting the burden of proof.

(C) CREDIBILITY DETERMINATION- The immigration judge should consider all relevant factors and may, in the judge’s discretion, base the judge’s credibility determination on any such factor, including the demeanor, candor, or responsiveness of the applicant or witness, the inherent plausibility of the applicant’s or witness’s account, the consistency between the applicant’s or witness’s written and oral statements (whenever made and whether or not made under oath), the internal consistency of each such statement, the consistency of such statements with other evidence of record (including the reports of the Department of State on country conditions), and any inaccuracies or falsehoods in such statements, without regard to whether an inconsistency, inaccuracy, or falsehood goes to the heart of the applicant’s claim. There is no presumption of credibility.’.

(d) Standard of Review for Orders of Removal- Section 242(b)(4) of the Immigration and Nationality Act (8 U.S.C. 1252(b)(4)) is amended by adding at the end, after subparagraph (D), the following: `No court shall reverse a determination made by a trier of fact with respect to the availability of corroborating evidence, as described in section 208(b)(1)(B), 240(c)(4)(B), or 241(b)(3)(C), unless the court finds that a reasonable trier of fact is compelled to conclude that such corroborating evidence is unavailable.’.

(e) Clarification of Discretion- Section 242(a)(2)(B) of the Immigration and Nationality Act (8 U.S.C. 1252(a)(2)(B)) is amended–

(1) by inserting `or the Secretary of Homeland Security’ after `Attorney General’ each place such term appears; and

(2) in the matter preceding clause (i), by inserting `and regardless of whether the judgment, decision, or action is made in removal proceedings,’ after `other provision of law,’.

(f) Removal of Caps- Section 209 of the Immigration and Nationality Act (8 U.S.C. 1159) is amended–

(1) in subsection (a)(1)–

(A) by striking `Service’ and inserting `Department of Homeland Security’; and

(B) by striking `Attorney General’ each place such term appears and inserting `Secretary of Homeland Security or the Attorney General’;

(2) in subsection (b)–

(A) by striking `Not more’ and all that follows through `asylum who–‘ and inserting `The Secretary of Homeland Security or the Attorney General, in the Secretary’s or the Attorney General’s discretion and under such regulations as the Secretary or the Attorney General may prescribe, may adjust to the status of an alien lawfully admitted for permanent residence the status of any alien granted asylum who–‘; and

(B) in the matter following paragraph (5), by striking `Attorney General’ and inserting `Secretary of Homeland Security or the Attorney General’; and

(3) in subsection (c), by striking `Attorney General’ and inserting `Secretary of Homeland Security or the Attorney General’.

(g) Effective Dates-

(1) The amendments made by paragraphs (1) and (2) of subsection (a) shall take effect as if enacted on March 1, 2003.

(2) The amendments made by subsections (a)(3), (b), and (c) shall take effect on the date of the enactment of this Act and shall apply to applications for asylum, withholding, or other removal made on or after such date.

(3) The amendment made by subsection (d) shall take effect on the date of the enactment of this Act and shall apply to all cases in which the final administrative removal order is or was issued before, on, or after such date.

(4) The amendments made by subsection (e) shall take effect on the date of the enactment of this Act and shall apply to all cases pending before any court on or after such date.

(5) The amendments made by subsection (f) shall take effect on the date of the enactment of this Act.

(h) Repeal- Section 5403 of the Intelligence Reform and Terrorism Prevention Act of 2004 (Public Law 108-458) is repealed.

SEC. 102. WAIVER OF LAWS NECESSARY FOR IMPROVEMENT OF BARRIERS AT BORDERS.

Section 102(c) of the Illegal Immigration Reform and Immigrant Responsibility Act of 1996 (8 U.S.C. 1103 note) is amended to read as follows:

(c) Waiver-

(1) IN GENERAL- Notwithstanding any other provision of law, the Secretary of Homeland Security shall have the authority to waive, and shall waive, all laws such Secretary, in such Secretary’s sole discretion, determines necessary to ensure expeditious construction of the barriers and roads under this section.

(2) NO JUDICIAL REVIEW- Notwithstanding any other provision of law (statutory or nonstatutory), no court, administrative agency, or other entity shall have jurisdiction–

(A) to hear any cause or claim arising from any action undertaken, or any decision made, by the Secretary of Homeland Security pursuant to paragraph (1); or

(B) to order compensatory, declaratory, injunctive, equitable, or any other relief for damage alleged to arise from any such action or decision.’.

SEC. 103. INADMISSIBILITY DUE TO TERRORIST AND TERRORIST-RELATED ACTIVITIES.

(a) In General- So much of section 212(a)(3)(B)(i) of the Immigration and Nationality Act (8 U.S.C. 1182(a)(3)(B)(i)) as precedes the final sentence is amended to read as follows:

(i) IN GENERAL- Any alien who–

(I) has engaged in a terrorist activity;

(II) a consular officer, the Attorney General, or the Secretary of Homeland Security knows, or has reasonable ground to believe, is engaged in or is likely to engage after entry in any terrorist activity (as defined in clause (iv));

(III) has, under circumstances indicating an intention to cause death or serious bodily harm, incited terrorist activity;

(IV) is a representative (as defined in clause (v)) of–

(aa) a terrorist organization (as defined in clause (vi)); or

(bb) a political, social, or other group that endorses or espouses terrorist activity;

(V) is a member of a terrorist organization described in subclause (I) or (II) of clause (vi);

(VI) is a member of a terrorist organization described in clause (vi)(III), unless the alien can demonstrate by clear and convincing evidence that the alien did not know, and should not reasonably have known, that the organization was a terrorist organization;

(VII) endorses or espouses terrorist activity or persuades others to endorse or espouse terrorist activity or support a terrorist organization;

(VIII) has received military-type training (as defined in section 2339D(c)(1) of title 18, United States Code) from or on behalf of any organization that, at the time the training was received, was a terrorist organization (as defined in clause (vi)); or

(IX) is the spouse or child of an alien who is inadmissible under this subparagraph, if the activity causing the alien to be found inadmissible occurred within the last 5 years,

is inadmissible.’.

(b) Engage in Terrorist Activity Defined- Section 212(a)(3)(B)(iv) of the Immigration and Nationality Act (8 U.S.C. 1182(a)(3)(B)(iv)) is amended to read as follows:

(iv) ENGAGE IN TERRORIST ACTIVITY DEFINED- As used in this Act, the term `engage in terrorist activity’ means, in an individual capacity or as a member of an organization–

(I) to commit or to incite to commit, under circumstances indicating an intention to cause death or serious bodily injury, a terrorist activity;

(II) to prepare or plan a terrorist activity;

(III) to gather information on potential targets for terrorist activity;

(IV) to solicit funds or other things of value for–

(aa) a terrorist activity;

(bb) a terrorist organization described in clause (vi)(I) or (vi)(II); or

(cc) a terrorist organization described in clause (vi)(III), unless the solicitor can demonstrate by clear and convincing evidence that he did not know, and should not reasonably have known, that the organization was a terrorist organization;

(V) to solicit any individual–

(aa) to engage in conduct otherwise described in this subsection;

(bb) for membership in a terrorist organization described in clause (vi)(I) or (vi)(II); or

(cc) for membership in a terrorist organization described in clause (vi)(III) unless the solicitor can demonstrate by clear and convincing evidence that he did not know, and should not reasonably have known, that the organization was a terrorist organization; or

(VI) to commit an act that the actor knows, or reasonably should know, affords material support, including a safe house, transportation, communications, funds, transfer of funds or other material financial benefit, false documentation or identification, weapons (including chemical, biological, or radiological weapons), explosives, or training–

(aa) for the commission of a terrorist activity;

(bb) to any individual who the actor knows, or reasonably should know, has committed or plans to commit a terrorist activity;

(cc) to a terrorist organization described in subclause (I) or (II) of clause (vi) or to any member of such an organization; or

(dd) to a terrorist organization described in clause (vi)(III), or to any member of such an organization, unless the actor can demonstrate by clear and convincing evidence that the actor did not know, and should not reasonably have known, that the organization was a terrorist organization.

This clause shall not apply to any material support the alien afforded to an organization or individual that has committed terrorist activity, if the Secretary of State, after consultation with the Attorney General and the Secretary of Homeland Security, or the Attorney General, after consultation with the Secretary of State and the Secretary of Homeland Security, concludes in his sole unreviewable discretion, that this clause should not apply.’.

(c) Terrorist Organization Defined- Section 212(a)(3)(B)(vi) of the Immigration and Nationality Act (8 U.S.C. 1182(a)(3)(B)(vi)) is amended to read as follows:

(vi) TERRORIST ORGANIZATION DEFINED- As used in this section, the term `terrorist organization’ means an organization–

(I) designated under section 219;

(II) otherwise designated, upon publication in the Federal Register, by the Secretary of State in consultation with or upon the request of the Attorney General or the Secretary of Homeland Security, as a terrorist organization, after finding that the organization engages in the activities described in subclauses (I) through (VI) of clause (iv); or

(III) that is a group of two or more individuals, whether organized or not, which engages in, or has a subgroup which engages in, the activities described in subclauses (I) through (VI) of clause (iv).’.

(d) Effective Date- The amendments made by this section shall take effect on the date of the enactment of this Act, and these amendments, and section 212(a)(3)(B) of the Immigration and Nationality Act (8 U.S.C. 1182(a)(3)(B)), as amended by this section, shall apply to–

(1) removal proceedings instituted before, on, or after the date of the enactment of this Act; and

(2) acts and conditions constituting a ground for inadmissibility, excludability, deportation, or removal occurring or existing before, on, or after such date.

SEC. 104. REMOVAL OF TERRORISTS.

(a) In General-

(1) IN GENERAL- Section 237(a)(4)(B) of the Immigration and Nationality Act (8 U.S.C. 1227(a)(4)(B)) is amended to read as follows:

(B) TERRORIST ACTIVITIES- Any alien who is described in subparagraph (B) or (F) of section 212(a)(3) is deportable.’.

(2) EFFECTIVE DATE- The amendment made by paragraph (1) shall take effect on the date of the enactment of this Act, and the amendment, and section 237(a)(4)(B) of the Immigration and Nationality Act (8 U.S.C. 1227(a)(4)(B)), as amended by such paragraph, shall apply to–

(A) removal proceedings instituted before, on, or after the date of the enactment of this Act; and

(B) acts and conditions constituting a ground for inadmissibility, excludability, deportation, or removal occurring or existing before, on, or after such date.

(b) Repeal- Effective as of the date of the enactment of the Intelligence Reform and Terrorism Prevention Act of 2004 (Public Law 108-458), section 5402 of such Act is repealed, and the Immigration and Nationality Act shall be applied as if such section had not been enacted.

SEC. 105. JUDICIAL REVIEW OF ORDERS OF REMOVAL.

(a) In General- Section 242 of the Immigration and Nationality Act (8 U.S.C. 1252) is amended–

(1) in subsection (a)–

(A) in paragraph (2)–

(i) in subparagraph (A), by inserting `(statutory or nonstatutory), including section 2241 of title 28, United States Code, or any other habeas corpus provision, and sections 1361 and 1651 of such title’ after `Notwithstanding any other provision of law’;

(ii) in each of subparagraphs (B) and (C), by inserting `(statutory or nonstatutory), including section 2241 of title 28, United States Code, or any other habeas corpus provision, and sections 1361 and 1651 of such title, and except as provided in subparagraph (D)’ after `Notwithstanding any other provision of law’; and

(iii) by adding at the end the following:

(D) JUDICIAL REVIEW OF CERTAIN LEGAL CLAIMS- Nothing in subparagraph (B) or (C), or in any other provision of this Act which limits or eliminates judicial review, shall be construed as precluding review of constitutional claims or pure questions of law raised upon a petition for review filed with an appropriate court of appeals in accordance with this section.’; and

(B) by adding at the end the following:

(4) CLAIMS UNDER THE UNITED NATIONS CONVENTION- Notwithstanding any other provision of law (statutory or nonstatutory), including section 2241 of title 28, United States Code, or any other habeas corpus provision, and sections 1361 and 1651 of such title, a petition for review filed with an appropriate court of appeals in accordance with this section shall be the sole and exclusive means for judicial review of any cause or claim under the United Nations Convention Against Torture and Other Forms of Cruel, Inhuman, or Degrading Treatment or Punishment, except as provided in subsection (e).

(5) EXCLUSIVE MEANS OF REVIEW- Notwithstanding any other provision of law (statutory or nonstatutory), includingsection 2241 of title 28, United States Code, or any other habeas corpus provision, and sections 1361 and 1651 of such title, a petition for review filed with an appropriate court of appeals in accordance with this section shall be the sole and exclusive means for judicial review of an order of removal entered or issued under any provision of this Act, except as provided in subsection (e). For purposes of this Act, in every provision that limits or eliminates judicial review or jurisdiction to review, the terms `judicial review’ and `jurisdiction to review’ include habeas corpus review pursuant to section 2241 of title 28, United States Code, or any other habeas corpus provision, sections 1361 and 1651 of such title, and review pursuant to any other provision of law (statutory or nonstatutory).’;

(2) in subsection (b)–

(A) in paragraph (3)(B), by inserting `pursuant to subsection (f)’ after `unless’; and

(B) in paragraph (9), by adding at the end the following: `Except as otherwise provided in this section, no court shall have jurisdiction, by habeas corpus under section 2241 of title 28, United States Code, or any other habeas corpus provision, by section 1361 or 1651 of such title, or by any other provision of law (statutory or nonstatutory), to review such an order or such questions of law or fact.’; and

(3) in subsection (g), by inserting `(statutory or nonstatutory), including section 2241 of title 28, United States Code, or any other habeas corpus provision, and sections 1361 and 1651 of such title’ after `notwithstanding any other provision of law’.

(b) Effective Date- The amendments made by subsection (a) shall take effect upon the date of the enactment of this Act and shall apply to cases in which the final administrative order of removal, deportation, or exclusion was issued before, on, or after the date of the enactment of this Act.

(c) Transfer of Cases- If an alien’s case, brought under section 2241 of title 28, United States Code, and challenging a final administrative order of removal, deportation, or exclusion, is pending in a district court on the date of the enactment of this Act, then the district court shall transfer the case (or the part of the case that challenges the order of removal, deportation, or exclusion) to the court of appeals for the circuit in which a petition for review could have been properly filed under section 242(b)(2) of the Immigration and Nationality Act (8 U.S.C. 1252), as amended by this section, or under section 309(c)(4)(D) of the Illegal Immigration Reform and Immigrant Responsibility Act of 1996 (8 U.S.C. 1101 note). The court of appeals shall treat the transferred case as if it had been filed pursuant to a petition for review under such section 242, except that subsection (b)(1) of such section shall not apply.

(d) Transitional Rule Cases- A petition for review filed under former section 106(a) of the Immigration and Nationality Act (as in effect before its repeal by section 306(b) of the Illegal Immigration Reform and Immigrant Responsibility Act of 1996 (8 U.S.C. 1252 note)) shall be treated as if it had been filed as a petition for review under section 242 of the Immigration and Nationality Act (8 U.S.C. 1252), as amended by this section. Notwithstanding any other provision of law (statutory or nonstatutory), including section 2241 of title 28, United States Code, or any other habeas corpus provision, and sections 1361 and 1651 of such title, such petition for review shall be the sole and exclusive means for judicial review of an order of deportation or exclusion.

SEC. 106. DELIVERY BONDS.

(a) Definitions- For purposes of this section:

(1) DELIVERY BOND- The term `delivery bond’ means a written suretyship undertaking for the surrender of an individual against whom the Department of Homeland Security has issued an order to show cause or a notice to appear, the performance of which is guaranteed by an acceptable surety on Federal bonds.

(2) PRINCIPAL- The term `principal’ means an individual who is the subject of a bond.

(3) SURETYSHIP UNDERTAKING- The term `suretyship undertaking’ means a written agreement, executed by a bonding agent on behalf of a surety, which binds all parties to its certain terms and conditions and which provides obligations for the principal and the surety while under the bond and penalties for forfeiture to ensure the obligations of the principal and the surety under the agreement.

(4) BONDING AGENT- The term `bonding agent’ means any individual properly licensed, approved, and appointed by power of attorney to execute or countersign surety bonds in connection with any matter governed by the Immigration and Nationality Act as amended (8 U.S.C. 1101, et seq.), and who receives a premium for executing or countersigning such surety bonds.

(5) SURETY- The term `surety’ means an entity, as defined by, and that is in compliance with, sections 9304 through 9308 of title 31, United States Code, that agrees–

(A) to guarantee the performance, where appropriate, of the principal under a bond;

(B) to perform the bond as required; and

(C) to pay the face amount of the bond as a penalty for failure to perform.

(b) Validity, Agent not Co-Obligor, Expiration, Renewal, and Cancellation of Bonds-

(1) VALIDITY- Delivery bond undertakings are valid if such bonds–

(A) state the full, correct, and proper name of the alien principal;

(B) state the amount of the bond;

(C) are guaranteed by a surety and countersigned by an agent who is properly appointed;

(D) bond documents are properly executed; and

(E) relevant bond documents are properly filed with the Secretary of Homeland Security.

(2) BONDING AGENT NOT CO-OBLIGOR, PARTY, OR GUARANTOR IN INDIVIDUAL CAPACITY, AND NO REFUSAL IF ACCEPTABLE SURETY- Section 9304(b) of title 31, United States Code, is amended by adding at the end the following: `Notwithstanding any other provision of law, no bonding agent of a corporate surety shall be required to execute bonds as a co-obligor, party, or guarantor in an individual capacity on bonds provided by the corporate surety, nor shall a corporate surety bond be refused if the corporate surety appears on the current Treasury Department Circular 570 as a company holding a certificate of authority as an acceptable surety on Federal bonds and attached to the bond is a currently valid instrument showing the authority of the bonding agent of the surety company to execute the bond.’.

(3) EXPIRATION- A delivery bond undertaking shall expire at the earliest of–

(A) 1 year from the date of issue;

(B) at the cancellation of the bond or surrender of the principal; or

(C) immediately upon nonpayment of the renewal premium.

(4) RENEWAL- Delivery bonds may be renewed annually, with payment of proper premium to the surety, if there has been no breach of conditions, default, claim, or forfeiture of the bond. Notwithstanding any renewal, when the alien is surrendered to the Secretary of Homeland Security for removal, the Secretary shall cause the bond to be canceled.

(5) CANCELLATION- Delivery bonds shall be canceled and the surety exonerated–

(A) for nonrenewal after the alien has been surrendered to the Department of Homeland Security for removal;

(B) if the surety or bonding agent provides reasonable evidence that there was misrepresentation or fraud in the application for the bond;

(C) upon the death or incarceration of the principal, or the inability of the surety to produce the principal for medical reasons;

(D) if the principal is detained by any law enforcement agency of any State, county, city, or any politial subdivision thereof;

(E) if it can be established that the alien departed the United States of America for any reason without permission of the Secretary of Homeland Security, the surety, or the bonding agent;

(F) if the foreign state of which the principal is a national is designated pursuant to section 244 of the Act (8 U.S.C. 1254a) after the bond is posted; or

(G) if the principal is surrendered to the Department of Homeland Security, removal by the surety or the bonding agent.

(6) SURRENDER OF PRINCIPAL; FORFEITURE OF BOND PREMIUM-

(A) SURRENDER- At any time, before a breach of any of the bond conditions, if in the opinion of the surety or bonding agent, the principal becomes a flight risk, the principal may be surrendered to the Department of Homeland Security for removal.

(B) FORFEITURE OF BOND PREMIUM- A principal may be surrendered without the return of any bond premium if the principal–

(i) changes address without notifying the surety, the bonding agent, and the Secretary of Homeland Security in writing prior to such change;

(ii) hides or is concealed from a surety, a bonding agent, or the Secretary;

(iii) fails to report to the Secretary as required at least annually; or

(iv) violates the contract with the bonding agent or surety, commits any act that may lead to a breach of the bond, or otherwise violates any other obligation or condition of the bond established by the Secretary.

(7) CERTIFIED COPY OF BOND AND ARREST WARRANT TO ACCOMPANY SURRENDER-

(A) IN GENERAL- A bonding agent or surety desiring to surrender the principal–

(i) shall have the right to petition the Secretary of Homeland Security or any Federal court, without having to pay any fees or court costs, for an arrest warrant for the arrest of the principal;

(ii) shall forthwith be provided 2 certified copies each of the arrest warrant and the bond undertaking, without having to pay any fees or courts costs; and

(iii) shall have the right to pursue, apprehend, detain, and surrender the principal, together with certified copies of the arrest warrant and the bond undertaking, to any Department of Homeland Security detention official or Department detention facility or any detention facility authorized to hold Federal detainees.

(B) EFFECTS OF DELIVERY- Upon surrender of a principal under subparagraph (A)(iii)–

(i) the official to whom the principal is surrendered shall detain the principal in custody and issue a written certificate of surrender; and

(ii) the Secretary of Homeland Security shall immediately exonerate the surety from any further liability on the bond.

(8) FORM OF BOND- Delivery bonds shall in all cases state the following and be secured by a corporate surety that is certified as an acceptable surety on Federal bonds and whose name appears on the current Treasury Department Circular 570:

(A) BREACH OF BOND; PROCEDURE, FORFEITURE, NOTICE-

(i) If a principal violates any conditions of the delivery bond, or the principal is or becomes subject to a final administrative order of deportation or removal, the Secretary of Homeland Security shall–

(I) immediately issue a warrant for the principal’s arrest and enter that arrest warrant into the National Crime Information Center (NCIC) computerized information database;

(II) order the bonding agent and surety to take the principal into custody and surrender the principal to any one of 10 designated Department of Homeland Security `turn-in’ centers located nationwide in the areas of greatest need, at any time of day during 15 months after mailing the arrest warrant and the order to the bonding agent and the surety as required by subclause (III), and immediately enter that order into the National Crime Information Center (NCIC) computerized information database; and

(III) mail 2 certified copies each of the arrest warrant issued pursuant to subclause (I) and 2 certified copies each of the order issued pursuant to subclause (II) to only the bonding agent and surety via certified mail return receipt to their last known addresses.

(ii) Bonding agents and sureties shall immediately notify the Secretary of Homeland Security of their changes of address and/or telephone numbers.

(iii) The Secretary of Homeland Security shall establish, disseminate to bonding agents and sureties, and maintain on a current basis a secure nationwide toll-free list of telephone numbers of Department of Homeland Security officials, including the names of such officials, that bonding agents, sureties, and their employees may immediately contact at any time to discuss and resolve any issue regarding any principal or bond, to be known as `Points of Contact’.

(iv) A bonding agent or surety shall have full and complete access, free of charge, to any and all information, electronic or otherwise, in the care, custody, and control of the United States Government or any State or local government or any subsidiary or police agency thereof regarding the principal that may be helpful in complying with section 105 of the REAL ID Act of 2005 that the Secretary of Homeland Security, by regulations subject to approval by Congress, determines may be helpful in locating or surrendering the principal. Beyond the principal, a bonding agent or surety shall not be required to disclose any information, including but not limited to the arrest warrant and order, received from any governmental source, any person, firm, corporation, or other entity.

(v) If the principal is later arrested, detained, or otherwise located outside the United States and the outlying possessions of the United States (as defined in section 101(a) of the Immigration and Nationality Act), the Secretary of Homeland Security shall–

(I) immediately order that the surety is completely exonerated, and the bond canceled; and

(II) if the Secretary of Homeland Security has issued an order under clause (i), the surety may request, by written, properly filed motion, reinstatement of the bond. This subclause may not be construed to prevent the Secretary of Homeland Security from revoking or resetting a bond at a higher amount.

(vi) The bonding agent or surety must–

(I) during the 15 months after the date the arrest warrant and order were mailed pursuant to clause (i)(III) surrender the principal one time; or

(II)(aa) provide reasonable evidence that producing the principal was prevented–

(aaa) by the principal’s illness or death;

(bbb) because the principal is detained in custody in any city, State, country, or any political subdivision thereof;

(ccc) because the principal has left the United States or its outlying possessions (as defined in section 101(a) of the Immigration and Nationality Act (8 U.S.C. 1101(a)); or

(ddd) because required notice was not given to the bonding agent or surety; and

(bb) establish by affidavit that the inability to produce the principal was not with the consent or connivance of the bonding agent or surety.

(vii) If compliance occurs more than 15 months but no more than 18 months after the mailing of the arrest warrant and order to the bonding agent and the surety required under clause (i)(III), an amount equal to 25 percent of the face amount of the bond shall be assessed as a penalty against the surety.

(viii) If compliance occurs more than 18 months but no more than 21 months after the mailing of the arrest warrant and order to the bonding agent and the surety required under clause (i)(III), an amount equal to 50 percent of the face amount of the bond shall be assessed as a penalty against the surety.

(ix) If compliance occurs more than 21 months but no more than 24 months after the mailing of the arrest warrant and order to the bonding agent and the surety required under clause (i)(III), an amount equal to 75 percent of the face amount of the bond shall be assessed as a penalty against the surety.

(x) If compliance occurs 24 months or more after the mailing of the arrest warrant and order to the bonding agent and the surety required under clause (i)(III), an amount equal to 100 percent of the face amount of the bond shall be assessed as a penalty against the surety.

(xi) If any surety surrenders any principal to the Secretary of Homeland Security at any time and place after the period for compliance has passed, the Secretary of Homeland Security shall cause to be issued to that surety an amount equal to 50 percent of the face amount of the bond: Provided, however, That if that surety owes any penalties on bonds to the United States, the amount that surety would otherwise receive shall be offset by and applied as a credit against the amount of penalties on bonds it owes the United States, and then that surety shall receive the remainder of the amount to which it is entitled under this subparagraph, if any.

(xii) All penalties assessed against a surety on a bond, if any, shall be paid by the surety no more than 27 months after the mailing of the arrest warrant and order to the bonding agent and the surety required under clause (i)(III).

(B) The Secretary of Homeland Security may waive penalties or extend the period for payment or both, if–

(i) a written request is filed with the Secretary of Homeland Security; and

(ii) the bonding agent or surety provides an affidavit that diligent efforts were made to effect compliance of the principal.

(C) COMPLIANCE; EXONERATION; LIMITATION OF LIABILITY-

(i) COMPLIANCE- A bonding agent or surety shall have the absolute right to locate, apprehend, arrest, detain, and surrender any principal, wherever he or she may be found, who violates any of the terms and conditions of his or her bond.

(ii) EXONERATION- Upon satisfying any of the requirements of the bond, the surety shall be completely exonerated.

(iii) LIMITATION OF LIABILITY- Notwithstanding any other provision of law, the total liability on any surety undertaking shall not exceed the face amount of the bond.’.

(c) Effective Date- The provisions of this section shall take effect on the date of the enactment of this Act and shall apply to bonds and surety undertakings executed before, on, or after the date of the enactment of this Act.

SEC. 107. RELEASE OF ALIENS IN REMOVAL PROCEEDINGS.

(a) In General- Section 236(a)(2) of the Immigration and Nationality Act (8 U.S.C. 1226(a)(2)) is amended to read as follows:

(2) subject to such reasonable regulations as the Secretary of Homeland Security may prescribe, shall permit agents, servants, and employees of corporate sureties to visit in person with individuals detained by the Secretary of and, subject to section 241(a)(8), may release the alien on a delivery bond of at least $10,000, with security approved by the Secretary, and containing conditions and procedures prescribed by section 105 of the REAL ID Act of 2005 and by the Secretary, but the Secretary shall not release the alien on or to his own recognizance unless an order of an immigration judge expressly finds and states in a signed order to release the alien to his own recognizance that the alien is not a flight risk and is not a threat to the United States’.

(b) Repeal- Section 286(r) of the Immigration and Nationality Act (8 U.S.C. 1356(r)) is repealed.

(c) Effective Date- The amendment made by subsection (a) shall take effect on the date of the enactment of this Act.

SEC. 108. DETENTION OF ALIENS DELIVERED BY BONDSMEN.

(a) In General- Section 241(a) of the Immigration and Nationality Act (8 U.S.C. 1231(a)) is amended by adding at the end the following:

(8) EFFECT OF PRODUCTION OF ALIEN BY BONDSMAN- Notwithstanding any other provision of law, the Secretary of Homeland Security shall take into custody any alien subject to a final order of removal, and cancel any bond previously posted for the alien, if the alien is produced within the prescribed time limit by the obligor on the bond whether or not the Department of Homeland Security accepts custody of the alien. The obligor on the bond shall be deemed to have substantially performed all conditions imposed by the terms of the bond, and shall be released from liability on the bond, if the alien is produced within such time limit.’.

(b) Effective Date- The amendment made by subsection (a) shall take effect on the date of the enactment of this Act and shall apply to all immigration bonds posted before, on, or after such date.

TITLE II–IMPROVED SECURITY FOR DRIVERS’ LICENSES AND PERSONAL IDENTIFICATION CARDS

SEC. 201. DEFINITIONS.

In this title, the following definitions apply:

(1) DRIVER’S LICENSE- The term `driver’s license’ means a motor vehicle operator’s license, as defined in section 30301 of title 49, United States Code.

(2) IDENTIFICATION CARD- The term `identification card’ means a personal identification card, as defined in section 1028(d) of title 18, United States Code, issued by a State.

(3) SECRETARY- The term `Secretary’ means the Secretary of Homeland Security.

(4) STATE- The term `State’ means a State of the United States, the District of Columbia, Puerto Rico, the Virgin Islands, Guam, American Samoa, the Northern Mariana Islands, the Trust Territory of the Pacific Islands, and any other territory or possession of the United States.

SEC. 202. MINIMUM DOCUMENT REQUIREMENTS AND ISSUANCE STANDARDS FOR FEDERAL RECOGNITION.

(a) Minimum Standards for Federal Use-

(1) IN GENERAL- Beginning 3 years after the date of the enactment of this Act, a Federal agency may not accept, for any official purpose, a driver’s license or identification card issued by a State to any person unless the State is meeting the requirements of this section.

(2) STATE CERTIFICATIONS- The Secretary shall determine whether a State is meeting the requirements of this section based on certifications made by the State to the Secretary of Transportation. Such certifications shall be made at such times and in such manner as the Secretary of Transportation, in consultation with the Secretary of Homeland Security, may prescribe by regulation.

(b) Minimum Document Requirements- To meet the requirements of this section, a State shall include, at a minimum, the following information and features on each driver’s license and identification card issued to a person by the State:

(1) The person’s full legal name.

(2) The person’s date of birth.

(3) The person’s gender.

(4) The person’s driver’s license or identification card number.

(5) A digital photograph of the person.

(6) The person’s address of principle residence.

(7) The person’s signature.

(8) Physical security features designed to prevent tampering, counterfeiting, or duplication of the document for fraudulent purposes.

(9) A common machine-readable technology, with defined minimum data elements.

(c) Minimum Issuance Standards-

(1) IN GENERAL- To meet the requirements of this section, a State shall require, at a minimum, presentation and verification of the following information before issuing a driver’s license or identification card to a person:

(A) A photo identity document, except that a non-photo identity document is acceptable if it includes both the person’s full legal name and date of birth.

(B) Documentation showing the person’s date of birth.

(C) Proof of the person’s social security account number or verification that the person is not eligible for a social security account number.

(D) Documentation showing the person’s name and address of principal residence.

(2) SPECIAL REQUIREMENTS-

(A) IN GENERAL- To meet the requirements of this section, a State shall comply with the minimum standards of this paragraph.

(B) EVIDENCE OF LAWFUL STATUS- A State shall require, before issuing a driver’s license or identification card to a person, valid documentary evidence that the person–

(i) is a citizen of the United States;

(ii) is an alien lawfully admitted for permanent or temporary residence in the United States;

(iii) has conditional permanent resident status in the United States;

(iv) has an approved application for asylum in the United States or has entered into the United States in refugee status;

(v) has a valid, unexpired nonimmigrant visa or nonimmigrant visa status for entry into the United States;

(vi) has a pending application for asylum in the United States;

(vii) has a pending or approved application for temporary protected status in the United States;

(viii) has approved deferred action status; or

(ix) has a pending application for adjustment of status to that of an alien lawfully admitted for permanent residence in the United States or conditional permanent resident status in the United States.

(C) TEMPORARY DRIVERS’ LICENSES AND IDENTIFICATION CARDS-

(i) IN GENERAL- If a person presents evidence under any of clauses (v) through (ix) of subparagraph (B), the State may only issue a temporary driver’s license or temporary identification card to the person.

(ii) EXPIRATION DATE- A temporary driver’s license or temporary identification card issued pursuant to this subparagraph shall be valid only during the period of time of the applicant’s authorized stay in the United States or, if there is no definite end to the period of authorized stay, a period of one year.

(iii) DISPLAY OF EXPIRATION DATE- A temporary driver’s license or temporary identification card issued pursuant to this subparagraph shall clearly indicate that it is temporary and shall state the date on which it expires.

(iv) RENEWAL- A temporary driver’s license or temporary identification card issued pursuant to this subparagraph may be renewed only upon presentation of valid documentary evidence that the status by which the applicant qualified for the temporary driver’s license or temporary identification card has been extended by the Secretary of Homeland Security.

(3) VERIFICATION OF DOCUMENTS- To meet the requirements of this section, a State shall implement the following procedures:

(A) Before issuing a driver’s license or identification card to a person, the State shall verify, with the issuing agency, the issuance, validity, and completeness of each document required to be presented by the person under paragraph (1) or (2).

(B) The State shall not accept any foreign document, other than an official passport, to satisfy a requirement of paragraph (1) or (2).

(C) Not later than September 11, 2005, the State shall enter into a memorandum of understanding with the Secretary of Homeland Security to routinely utilize the automated system known as Systematic Alien Verification for Entitlements, as provided for by section 404 of the Illegal Immigration Reform and Immigrant Responsibility Act of 1996 (110 Stat. 3009-664), to verify the legal presence status of a person, other than a United States citizen, applying for a driver’s license or identification card.

(d) Other Requirements- To meet the requirements of this section, a State shall adopt the following practices in the issuance of drivers’ licenses and identification cards:

(1) Employ technology to capture digital images of identity source documents so that the images can be retained in electronic storage in a transferable format.

(2) Retain paper copies of source documents for a minimum of 7 years or images of source documents presented for a minimum of 10 years.

(3) Subject each person applying for a driver’s license or identification card to mandatory facial image capture.

(4) Establish an effective procedure to confirm or verify a renewing applicant’s information.

(5) Confirm with the Social Security Administration a social security account number presented by a person using the full social security account number. In the event that a social security account number is already registered to or associated with another person to which any State has issued a driver’s license or identification card, the State shall resolve the discrepancy and take appropriate action.

(6) Refuse to issue a driver’s license or identification card to a person holding a driver’s license issued by another State without confirmation that the person is terminating or has terminated the driver’s license.

(7) Ensure the physical security of locations where drivers’ licenses and identification cards are produced and the security of document materials and papers from which drivers’ licenses and identification cards are produced.

(8) Subject all persons authorized to manufacture or produce drivers’ licenses and identification cards to appropriate security clearance requirements.

(9) Establish fraudulent document recognition training programs for appropriate employees engaged in the issuance of drivers’ licenses and identification cards.

(10) Limit the period of validity of all driver’s licenses and identification cards that are not temporary to a period that does not exceed 8 years.

SEC. 203. LINKING OF DATABASES.

(a) In General- To be eligible to receive any grant or other type of financial assistance made available under this title, a State shall participate in the interstate compact regarding sharing of driver license data, known as the `Driver License Agreement’, in order to provide electronic access by a State to information contained in the motor vehicle databases of all other States.

(b) Requirements for Information- A State motor vehicle database shall contain, at a minimum, the following information:

(1) All data fields printed on drivers’ licenses and identification cards issued by the State.

(2) Motor vehicle drivers’ histories, including motor vehicle violations, suspensions, and points on licenses.

SEC. 204. TRAFFICKING IN AUTHENTICATION FEATURES FOR USE IN FALSE IDENTIFICATION DOCUMENTS.

(a) Criminal Penalty- Section 1028(a)(8) of title 18, United States Code, is amended by striking `false authentication features’ and inserting `false or actual authentication features’.

(b) Use of False Driver’s License at Airports-

(1) IN GENERAL- The Secretary shall enter, into the appropriate aviation security screening database, appropriate information regarding any person convicted of using a false driver’s license at an airport (as such term is defined in section 40102 of title 49, United States Code).

(2) FALSE DEFINED- In this subsection, the term `false’ has the same meaning such term has under section 1028(d) of title 18, United States Code.

SEC. 205. GRANTS TO STATES.

(a) In General- The Secretary may make grants to a State to assist the State in conforming to the minimum standards set forth in this title.

(b) Authorization of Appropriations- There are authorized to be appropriated to the Secretary for each of the fiscal years 2005 through 2009 such sums as may be necessary to carry out this title.

SEC. 206. AUTHORITY.

(a) Participation of Secretary of Transportation and States- All authority to issue regulations, set standards, and issue grants under this title shall be carried out by the Secretary, in consultation with the Secretary of Transportation and the States.

(b) Compliance With Standards- All authority to certify compliance with standards under this title shall be carried out by the Secretary of Transportation, in consultation with the Secretary of Homeland Security and the States.

(c) Extensions of Deadlines- The Secretary may grant to a State an extension of time to meet the requirements of section 202(a)(1) if the State provides adequate justification for noncompliance.

SEC. 207. REPEAL.

Section 7212 of the Intelligence Reform and Terrorism Prevention Act of 2004 (Public Law 108-458) is repealed.

SEC. 208. LIMITATION ON STATUTORY CONSTRUCTION.

Nothing in this title shall be construed to affect the authorities or responsibilities of the Secretary of Transportation or the States under chapter 303 of title 49, United States Code.

TITLE III–BORDER INFRASTRUCTURE AND TECHNOLOGY INTEGRATION

SEC. 301. VULNERABILITY AND THREAT ASSESSMENT.

(a) Study- The Under Secretary of Homeland Security for Border and Transportation Security, in consultation with the Under Secretary of Homeland Security for Science and Technology and the Under Secretary of Homeland Security for Information Analysis and Infrastructure Protection, shall study the technology, equipment, and personnel needed to address security vulnerabilities within the United States for each field office of the Bureau of Customs and Border Protection that has responsibility for any portion of the United States borders with Canada and Mexico. The Under Secretary shall conduct follow-up studies at least once every 5 years.

(b) Report to Congress- The Under Secretary shall submit a report to Congress on the Under Secretary’s findings and conclusions from each study conducted under subsection (a) together with legislative recommendations, as appropriate, for addressing any security vulnerabilities found by the study.

(c) Authorization of Appropriations- There are authorized to be appropriated to the Department of Homeland Security Directorate of Border and Transportation Security such sums as may be necessary for fiscal years 2006 through 2011 to carry out any such recommendations from the first study conducted under subsection (a).

SEC. 302. USE OF GROUND SURVEILLANCE TECHNOLOGIES FOR BORDER SECURITY.

(a) Pilot Program- Not later than 180 days after the date of the enactment of this Act, the Under Secretary of Homeland Security for Science and Technology, in consultation with the Under Secretary of Homeland Security for Border and Transportation Security, the Under Secretary of Homeland Security for Information Analysis and Infrastructure Protection, and the Secretary of Defense, shall develop a pilot program to utilize, or increase the utilization of, ground surveillance technologies to enhance the border security of the United States. In developing the program, the Under Secretary shall–

(1) consider various current and proposed ground surveillance technologies that could be utilized to enhance the border security of the United States;

(2) assess the threats to the border security of the United States that could be addressed by the utilization of such technologies; and

(3) assess the feasibility and advisability of utilizing such technologies to address such threats, including an assessment of the technologies considered best suited to address such threats.

(b) Additional Requirements-

(1) IN GENERAL- The pilot program shall include the utilization of a variety of ground surveillance technologies in a variety of topographies and areas (including both populated and unpopulated areas) on both the northern and southern borders of the United States in order to evaluate, for a range of circumstances–

(A) the significance of previous experiences with such technologies in homeland security or critical infrastructure protection for the utilization of such technologies for border security;

(B) the cost, utility, and effectiveness of such technologies for border security; and

(C) liability, safety, and privacy concerns relating to the utilization of such technologies for border security.

(2) TECHNOLOGIES- The ground surveillance technologies utilized in the pilot program shall include the following:

(A) Video camera technology.

(B) Sensor technology.

(C) Motion detection technology.

(c) Implementation- The Under Secretary of Homeland Security for Border and Transportation Security shall implement the pilot program developed under this section.

(d) Report- Not later than 1 year after implementing the pilot program under subsection (a), the Under Secretary shall submit a report on the program to the Senate Committee on Commerce, Science, and Transportation, the House of Representatives Committee on Science, the House of Representatives Committee on Homeland Security, and the House of Representatives Committee on the Judiciary. The Under Secretary shall include in the report a description of the program together with such recommendations as the Under Secretary finds appropriate, including recommendations for terminating the program, making the program permanent, or enhancing the program.

SEC. 303. ENHANCEMENT OF COMMUNICATIONS INTEGRATION AND INFORMATION SHARING ON BORDER SECURITY.

(a) In General- Not later than 180 days after the date of the enactment of this Act, the Secretary of Homeland Security, acting through the Under Secretary of Homeland Security for Border and Transportation Security, in consultation with the Under Secretary of Homeland Security for Science and Technology, the Under Secretary of Homeland Security for Information Analysis and Infrastructure Protection, the Assistant Secretary of Commerce for Communications and Information, and other appropriate Federal, State, local, and tribal agencies, shall develop and implement a plan–

(1) to improve the communications systems of the departments and agencies of the Federal Government in order to facilitate the integration of communications among the departments and agencies of the Federal Government and State, local government agencies, and Indian tribal agencies on matters relating to border security; and

(2) to enhance information sharing among the departments and agencies of the Federal Government, State and local government agencies, and Indian tribal agencies on such matters.

(b) Report- Not later than 1 year after implementing the plan under subsection (a), the Secretary shall submit a copy of the plan and a report on the plan, including any recommendations the Secretary finds appropriate, to the Senate Committee on Commerce, Science, and Transportation, the House of Representatives Committee on Science, the House of Representatives Committee on Homeland Security, and the House of Representatives Committee on the Judiciary.

Passed the House of Representatives February 10, 2005.

Attest:

JEFF TRANDAHL,

Clerk.