TQ4.1: What is a data breach? Why have data breaches become more common in recent years? TQ4.2: In the United States, which governmental bodies are the most involved in dealing with data breaches and protecting consumer privacy rights? TQ4.3: What are some of the main challenges for entities facing a data breach?

TQ4.4: What are some of the main challenges for consumers who are concerned that a data breach may have affected their personal information? TQ4.5: In what ways can credit reporting agencies be used to assist consumers concerned about identity theft as a result of a data breach?