Ask your banks for a copy of their RED FLAGS RULES

 Why Banks Must Brace for 'Blitzkrieg' Attacks

Be proactive and ask your banks questions on how they will protect your personal information. Ask them for their RED FLAGS RULES. By law they should have it in place and you are entitled to have a copy. http://www.bankinfosecurity.com/interviews/banks-must-brace-for-blitzkrieg-i-1735?rf=2012-12-14-eb&elq=6f06e58c68a4481bb5613c72d1a3a1d8&elqCampaignId=5339&goback=.gde

Fraud is not just part of doing Business

Retail group: 'Return fraud' costs $9B a year

Here we are guys. $9B a year and who do you think will pay for this. You have it right, consumers. 

Let's not accept it that Fraud is just a part of doing business. Let's prevent it. See link for a very interesting story on how a few guys (transvestites) swindled various retail stores in Ohio
 
http://www.usatoday.com/story/money/business/2012/12/11/holiday-shoplifting-return-fraud/1761351/