Federal Law should be changed to require any business with access to your personal financial information to get your specific and informed permission to use and share it. The current "Opt-Out" system should be changed to "Opt-In".
Why is this important?
Corporate America is all about private property rights... except when it comes to your personal financial information. They lobbied Congress to effect the current "Opt-Out" system where they have free use of your personal information unless you go through their procedure to restrict its use. That's not right. That information is your property and they should get your permission to use it.