Podcasts about consumer information

"When consumers understand that they can get the same level of care at half the price, they feel good about making that decision." - Josh Schreiner “We're actually going to collapse that concept entirely. Everyone's in network from your perspective, from the consumer, from the patient perspective." - Michael Mather Continuing from last week's theme of compliance and regulation, Josh Schreiner, Chief Product Officer, and Michael Mather, General Counsel, of HealthEZ joined me for a discussion on the effects of the No Surprises Act on the healthcare industry as a whole, and how it affects consultants as they work with employers. At HealthEZ, Josh and Michael have been looking ahead to the future of healthcare and how the recent regulations have impacted that, including a returned focus to consumer decisions in their own healthcare and an increased focus on employer compliance. For consultants, these are particularly important topics as consultant responsibilities shift in response to the legislation. Join Josh, Michael, and I as we break down the No Surprises Act, offering our insights and hopefully some practical guidance on navigating this crucial piece of healthcare legislation. Chapters: 0:00 - Meet Josh & Michael 1:23 - Empowering Consumer Decisions through Healthcare Transparency 5:44 - Navigating Healthcare Compliance 16:22 - Protecting Patients Through The No Surprises Act 23:19 - The High Volume of Disputes 30:39 - Increasing contract disputes impacting healthcare reimbursement 38:05 - Transparent Healthcare Information 40:50 - The Impact of Transparent Healthcare Pricing 50:30 - Gag Clause Attestation and Compliance Challenges 58:34 - Balancing Guidelines and Innovation in Healthcare 1:04:55 - Leveraging Wearables and Data for Personalized Healthcare Key Links for Social: @SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFunded Listen on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02 Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286 Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/ Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/ Key Words: #healthcare #transparency #compliance #innovation #selffunded #medicalcosts #consumerinformation #futureofhealthcare #wearables #datadriven #nosurprisesact #regulation #podcast Healthcare, Transparency, Compliance, Innovation, Self Funded, Medical Costs, Consumer Information, Future Of Healthcare, Wearables, Data Driven, No Surprises Act, Regulation, Podcast --- Support this podcast: https://podcasters.spotify.com/pod/show/spencer-harlan-smith/support

"When consumers understand that they can get the same level of care at half the price, they feel good about making that decision." - Josh Schreiner “We're actually going to collapse that concept entirely. Everyone's in network from your perspective, from the consumer, from the patient perspective." - Michael Mather Continuing from last week's theme of compliance and regulation, Josh Schreiner, Chief Product Officer, and Michael Mather, General Counsel, of HealthEZ joined me for a discussion on the effects of the No Surprises Act on the healthcare industry as a whole, and how it affects consultants as they work with employers. At HealthEZ, Josh and Michael have been looking ahead to the future of healthcare and how the recent regulations have impacted that, including a returned focus to consumer decisions in their own healthcare and an increased focus on employer compliance. For consultants, these are particularly important topics as consultant responsibilities shift in response to the legislation. Join Josh, Michael, and I as we break down the No Surprises Act, offering our insights and hopefully some practical guidance on navigating this crucial piece of healthcare legislation. Chapters: 0:00 - Meet Josh & Michael 1:23 - Empowering Consumer Decisions through Healthcare Transparency 5:44 - Navigating Healthcare Compliance 16:22 - Protecting Patients Through The No Surprises Act 23:19 - The High Volume of Disputes 30:39 - Increasing contract disputes impacting healthcare reimbursement 38:05 - Transparent Healthcare Information 40:50 - The Impact of Transparent Healthcare Pricing 50:30 - Gag Clause Attestation and Compliance Challenges 58:34 - Balancing Guidelines and Innovation in Healthcare 1:04:55 - Leveraging Wearables and Data for Personalized Healthcare Key Links for Social: @SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFunded Listen on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02 Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286 Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/ Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/ Key Words: #healthcare #transparency #compliance #innovation #selffunded #medicalcosts #consumerinformation #futureofhealthcare #wearables #datadriven #nosurprisesact #regulation #podcast Healthcare, Transparency, Compliance, Innovation, Self Funded, Medical Costs, Consumer Information, Future Of Healthcare, Wearables, Data Driven, No Surprises Act, Regulation, Podcast --- Support this podcast: https://podcasters.spotify.com/pod/show/spencer-harlan-smith/support

How can you separate consumer information from insight?Bill Williams is here to share his perspective on how agencies can better understand consumers.Bill is the Director of Client Services at The Miller Group, a woman-owned, creatively-led, strategically-driven digital advertising and marketing agency.He'll cover: The importance of asking “why” Root cause analysis Why data is a commodity, but insights are precious Why briefs are crucial And more

In this episode of our AdTech podcast series, Adam Bookbinder and Christine Savage of Choate and Jim Vint of Secretariat discuss how companies and other institutions can reduce legal risks surrounding the use of AdTech tools.

In the second episode of our AdTech Podcast Series, Adam Bookbinder and Christine Savage of Choate, and Jim Vint of Secretariat, discuss why AdTech risk should be on your priority list.

In the first episode of our three-part adtech podcast series, Christine Savage of Choate and Jim Vint of Secretariat provide a short adtech 101 primer on what adtech is, what it is used for, and the terminology surrounding these web adtech tools.

For Educational Purposes and Inspirational Materials. The Artists, Authors, Creators, Journalists, Poets and Producers own their music/songs and content. ☆☆Cybersecurity Basics. ☆☆How to download and delete data from your Facebook. ☆☆Consumer Information.☆☆Happy birthday, anniversary and beyond to everyone celebrating on this day!! Happy birthday to cousin Dawn Turpin! Thank You all for listening and sharing this podcast on your social media. ☆☆Air huggs to all of the Global Family Village!! ☆☆Stay Safe and healthy!!

The pandemic called attention to disparities in the American healthcare system. So, what can we do to build a better, more equitable system? How do we design healthcare policy that works in the real world?Natalie Davis is the Cofounder and CEO of United States of Care, a nonpartisan nonprofit organization committed to ensuring that every American has access to quality, affordable healthcare. Natalie's career in healthcare began in 2005, and she worked in the Center for Consumer Information and Insurance Oversight at the Centers for Medicare and Medicaid Services under the Obama Administration before building USOC in 2018. On this episode of HLTH Matters, Natalie joins hosts Dr. Gautam Gulati, Dr. Jordan Shlain and Patricia Bradley to discuss the four goals for the healthcare system USOC identified by talking to people across the country. She describes the concerns Americans have around continuity of health coverage and the cost of care, offering insight on how to build policy solutions that work in the real world. Listen in to understand what Natalie has learned about using language that resonates with people and find out how you can help USOC build a healthcare system that is understandable and easy to navigate.Topics CoveredHow Natalie's unique background in art and sociology informs her work in healthcareUnited States of Care's mission to ensure that everyone has access to quality, affordable healthcareThe 4 goals for the healthcare system identified through USOC's interviews with people across the countryThe concerns Americans have around continuity of health coverage through life changesHow USOC is working to make legislative changes and start a new conversation around what it means to have a healthcare system that works for peopleUSOC's research methodology of asking open-ended questions to identify themes before looking to qualitative and quantitative researchWhy people see it as a unique failure of their own when they can't navigate the healthcare systemWhat USOC has learned about people's concerns re: prescription drug costsHow Natalie thinks about using language that resonates with people (e.g.: caregiver)Natalie's insight on building policy and private sector solutions that work in the real world Connect with Natalie DavisUnited States of Care Connect with Dr. Gautam Gulati and Dr. Jordan ShlainHLTHDr. Gulati on TwitterDr. Gulati on LinkedInDr. Shlain on LinkedInDr. Shlain on Twitter ResourcesAffordable Care ActHealthCare.govAndy SlavittCenters for Medicare & Medicaid Services‘Pain and the Paintbrush: The Life and Art of Frida Kahlo' in the AMA Journal of EthicsUnited States of Care Voices of Real Life CouncilAlex DraneUSOC Entrepreneurs CouncilUSOC Health System Leadership CouncilLiz Fowler at CMMIThe Birth of the Clinic: An Archeology of Medical Perception by Michel FoucaultLiz Gilbert on Your Elusive Creative Genius Introductory Quote[7:12] “We are a young organization—nonpartisan, nonprofit—with a mission to ensure everyone has access to quality, affordable healthcare. We believe that policy change is one of the ways that we need to ensure that everybody does have that access to quality care, and so, a lot of our work is at the state and federal level to change policy and legislation to ensure that people can have the access to care that they need.”

Welkom bij episode 3 van Beauty Bores Me. Let's talk about cruelty free en dierproefvrije cosmetica! Wat betekent ‘cruelty free' precies. Hoe vastomlijnd is de regelgeving? Welke labels zijn betrouwbaar? En hoe zit dat nu precies met China? Deze bronnen inspireerden ons bij het maken van deze aflevering: De websites van: Cruelty Free International (CFI) PETA Coalition for Consumer Information on Cosmetics (CCIC) Choose Cruelty-Free (CCF) Mac Cosmetics Nars En dit zijn enkele cruelty free merken die we in de podcast vermelden en waar je ze kan verkrijgen: Real Techniques Brushes (bij Kruidvat & Di) Eco Tools kwasten (bij Kruidvat & Di) Cîme (via cîme.be en vele onafhankelijke beautyshops) Self (via self.be en verschillende onafhankelijke beauty stores) NYX (bij Di) Zoeva (via douglas.nl) Urban Decay (bij Ici Paris XL) Burt's Bees lippenbalsems, niet vegan, wel cruelty free (via bijenkorf.nl) Anastasia Beverly Hills (via douglas.nl) Bedankt om te luisteren! De volgende aflevering mag je op maandag 23 mei verwachten. Hou je klaar voor een overdosis tips & tricks en een flinke portie female empowerment. See you on the other side! Onze theme song is ‘Tiger' van Anysa, check haar nieuwe EP ‘Gosh!' hier op Spotify.

Dave Dillon interviews Jeff Wu who is the deputy director for policy of the Center for Consumer Information and Insurance Oversight (CCIIO). Dave and Jeff discuss a wide-range of Affordable Care Act topics including Open and Special Enrollment periods, risk adjustment, induced demand factors, CSRs, and 1332 waivers.

If building generational wealth is something on your to-do list for 2022 and beyond, then episode 126 is exactly what you need to hear, featuring Kevin L. Matthews II of Building Bread!Kevin L. Matthews II is a #1 bestselling author and former financial advisor. He has helped hundreds of individuals plan for their retirement in addition to managing more than $140 million in assets during his advisory career. By 2017, he was named one of the Top 100 Most Influential Financial Advisors by Investopedia. Kevin launched BuildingBread in 2010, to inspire millennials to set, simplify and achieve any financial goal. Kevin regularly speaks to young adults across the country and has been featured in several media publications and productions including The Wall Street Journal, The New York Times, Forbes, Black Enterprise, and many others.Kevin served as the Director of Consumer Information for New York City's Office of Financial Empowerment where he oversaw strategic initiatives and hosted BuildingBread with Kevin Matthews on WHCR 90.3 FM. Kevin holds a bachelor's degree in Economics from Hampton University, a certificate in financial planning from Northwestern University and a certificate in disruptive strategy from Harvard Business School. In 2020, he graduated from the University of Texas at Austin's McCombs School of Business with a Master's in Technology Commercialization (MSTC).You can follow Kevin on Instagram, Facebook, YouTube, Twitter, TikTok and LinkedIn.For full episode show notes, click here.Loving this episode? Leave us a review if you're listening on Apple podcasts and be sure to follow us on Instagram, Facebook, Twitter and YouTube! See acast.com/privacy for privacy and opt-out information.

  The Friday Five for September 3, 2021: Headspace Health CMS Chief Dental Officer Phrases to Avoid With Clients Dollar General Health? Google Maps Hacks Register for your FREE RitterIM.com account Mentioned in this episode: 12 Phrases That Alienate Clients (and 12 to Use Instead) CMS Announces Director of Center for Consumer Information and Insurance Oversight (CCIIO); First-Ever Chief Dental Officer; and Director of the Center for Program Integrity (CPI) Dollar General came for your grocery dollars. Now it wants a slice of your health care spending, too. Ginger and Headspace plan merger to rapidly scale up digital mental health services Ginger and Headspace Will Merge to Meet Escalating Global Demand for Mental Health Support Ginger Official Website Headspace Official Website Simple Google Maps tips and tricks that everyone should know   More episodes you'll like:   August 27, 2021 | The Friday Five How to Make the Most of Life Insurance Awareness Month Keys to Client Retention: Digital Communication Keys to Client Retention: Face-to-Face Communication Organization Tips and Tricks for AEP   Articles to Share with Your Clients:   5 Healthy Ways to Stay Busy on a Rainy Day Quick and Easy Recipes for One Ways Seniors Can Save on Travel   Ritter Insurance Marketing eBooks & Guides:   Agent Survival Kits: Beginners or Experts How to Host a Successful Medicare Educational Event Social Media Marketing for Insurance Agents   The latest from Ritter's Blog:   Ritter Acquires Executive Resource Insurance Network, Expands in Florida Largest COLA Since 1983 Projected & How It Affects Part B Premiums Medicare & Medicaid Compared: How Both Programs Benefit Insurance Agents   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook LinkedIn Twitter YouTube Instagram Sarah's LinkedIn Sarah's Instagram  

Consumer.ftc.gov owns the content. About Credit Reports, how to get your free annual and weekly credit reports, what to expect when you order your credit reports, how to monitor your Credit Reports, who can get a copy of your credit reports, Avoid other sites offering credit reports, and Report Scams.

Richard P. DiToma identifies twelve issues to address when gathering consumer information.

There’s an app for everything. There’s also data on everyone. POLITICO’s Mohana Ravindranath breaks down how companies are slyly buying and selling the information we share with health apps — and explains why that data isn’t protected like medical records. Plus, spending on food stamps jumped by nearly 50 percent in 2020. And DHS warns of continued violence by domestic extremists. Mohana Ravindranath is an eHealth reporter for POLITICO. Dan Diamond is a health care policy reporter for POLITICO. Jeremy Siegel is a host for POLITICO Dispatch. Irene Noguchi is the executive producer of POLITICO audio. Jenny Ament is the senior producer of POLITICO audio. This story was co-reported with POLITICO's Katy Murphy.  Read more in the Future Pulse newsletter.

Jackie Madill, Director of Consumer Information for the Washington State Beef Commission, and Camas Uebelacher, a cattle rancher in Othello and long time supporter of Beef Counts, tell of the collaboration with Northwest Harvest and the 1000 roast beef meals that will be provided this month to families struggling with food insecurities--this in recognition of the 10th anniversary of the involvement of the Washington beef community in supporting our neighbors in need. And a great way to thing of the beef donations during this 10 years is to equate this to hamburger patties that if they were stacked would equal 7 Mt. Rainiers!! This involvement invites us to support the work of Northwest Harvest and also help our neighbors in need. www.wabeef.org www.northwestharvest.org

Jackie Madill, Director of Consumer Information for the Washington State Beef Commission, and Camas Uebelacher (YOU buh locker) a cattle rancher in Othello, Laura Hamilton Chief Advancement officer NW Harvest. The Washington Beef Commission is partnering with Northwest Harvest to bring meals with good quality beef to those struggling with food insecurity this year. December 18th the Beef Commission members will be with NW Harvest as they distribute these full meals for families to take home and cook while celebrating the holidays. https://www.wabeef.org/ https://www.wabeef.org/beef-counts https://www.northwestharvest.org/The Washington Beef Commission is partnering with Northwest

Last week the Center for Consumer Information and Insurance Oversight, or CCIIO, held a first of its kind virtual roundtable ahead of this year’s open enrollment in the exchanges. The event was hosted by CCIIO’s longest serving director Randy Pate and the deputy director of the small business and agent/broker innovation division Dean Mohs. The event was attended by over 70 agents and brokers from across the country as well as our own Marcy M. Buckner. On this week’s episode of the Healthcare Happy Hour, Marcy discusses the event in detail.

Last week the Center for Consumer Information and Insurance Oversight, or CCIIO, held a first of its kind virtual roundtable ahead of this year's open enrollment in the exchanges. The event was hosted by CCIIO's longest serving director Randy Pate and the deputy director of the small business and agent/broker innovation division Dean Mohs. The event was attended by over 70 agents and brokers from across the country as well as our own Marcy M. Buckner. On this week's episode of the Healthcare Happy Hour, Marcy discusses the event in detail.

Welcome to season 2! 

Kevin L. Matthews II is an author, founder of Building Bread and former financial advisor. Currently, Kevin is the Director of Consumer Information for New York City's Office of Financial Empowerment where he oversees strategic initiatives.     He has helped hundreds of individuals plan for their retirement in addition to managing more than $140 million in assets during his advisory career. By 2017, he was named one of the Top 100 Most Influential Financial Advisors by Investopedia.     Sponsor/Partnership The Beginner's Guide To Outsourcing Your Business: Find, Hire, and Build Your Team Virtually Today! $2.99 Ebook on Amazon. Step-by-step guide every entrepreneur needs to build his or her business with the asset of working with virtual employees. Focusing on business growth, giving you the time to work less in the business and more time working on the business.

Adam E. Block, PhD, is a recurring guest, having spoken previously about common misconceptions of the Affordable Care Act, and Medicare for All. Today we will be discussing the how erring on the side of an earlier end to shelter in place could have a worse impact on the economy than waiting longer. We also discuss what a return to work could possibly look like and when can we expect our elective patients to start coming back to the offices. In our industry and many others, it is important to be able to pivot and adapt to the new needs created by this virus. From a public health perspective, we also talk about when the risk of poverty as a social determinant of health starts to outweigh the risk of the coronavirus itself and what populations are at highest economic risk. Dr. Block is currently an Assistant Professor of Public Health at the School of Health Sciences and Practice at New York Medical College. He is a health economist with deep experience in the hospital, health plan and government sectors. His research is focuses on how individuals make decisions in health care markets including patient choice of hospitals, physicians and insurance plans.  Prior to joining New York Medical College in 2017, has worked for a major hospital system, a large Medicaid managed care plan, spent several years developing the legislation on the Affordable Care Act as an economist at the Congressional Joint Committee on Taxation and later as Division Director of Health Plan Policy in the Center for Consumer Information and Insurance Oversight at CMS.  In July, 2018 Dr. Block founded Charm Economics, LLC a translational economics consulting group.  His consulting work focuses on managed care contracting and pricing optimization of new technology and data analytics.  Dr. Block received his PhD in Health Policy from Harvard and undergraduate degree in neuroscience from Amherst College. @AdamBHealthEcon on Twitter CharmEconomics.com Please be sure to leave a five-star review, a nice comment and SHARE!!! This and all episodes can be found at PhysiciansGuidetoDoctoring.com

Kevin shares the 411 on investing. He explains terms, strategies and in his experience things that work well. Kevin L. Matthews II is a number one bestselling author and former financial advisor. He has helped hundreds of individuals plan for their retirement in addition to managing more than $140 million in assets during his advisory career. By 2017, he was named one of the Top 100 Most Influential Financial Advisors by Investopedia. Kevin launched BuildingBread in 2010, to inspire millennials to set, simplify and achieve any financial goal. Kevin regularly speaks to young adults across the country and has been featured in several media publications and productions including The Wall Street Journal, The New York Times, Forbes, Black Enterprise, and many others. Kevin served as the Director of Consumer Information for New York City's Office of Financial Empowerment where he oversaw strategic initiatives and hosted of BuildingBread with Kevin Matthews on WHCR 90.3 FM. Kevin holds a bachelor's degree in Economics from Hampton University, a certificate of financial planning from Northwestern University and a certificate in disruptive strategy from Harvard Business. Kevin also has a course called Perfect Portfolio where you can learn about investing and the great thing is it is at your own pace. Here is my affiliate link, to the course: http://buildingbread.thinkific.com/courses/perfect-portfolio-course?ref=ecd95a Kevin can be found across all platforms @buildingbread www.buildingbread.com The host can be found at: Twitter and Instagram: @itsmymoney! Facebook: It'$ My Money Squad Media sponsor: SwagHer

Adam E. Block, PhD is currently an Assistant Professor of Public Health at the School of Health Sciences and Practice at New York Medical College. He is a health economist with deep experience in the hospital, health plan and government sectors. His research is focused on how individuals make decisions in health care markets including patient choice of hospitals, physicians and insurance plans.  We discuss the new push for “Medicare for all.”  First, we discuss what Medicare is, what it covers and doesn’t cover, then get into House Bill 1384, the Medicare for all act of 2019.  We discuss why this could be financially problematic for physicians and lead to a physician shortage for patients.  Ultimately, we discuss that for political reasons, we really don’t need to worry about this on a national level, but it could happen on a state level. Prior to joining New York Medical College in 2017, he worked developing contracting models for value-based purchasing for a major hospital system and has worked extensively performing financial analysis and evaluation of medical management programs for a large Medicaid managed care plan. Before that, Dr. Block spent several years developing the legislation on the Affordable Care Act as an economist at the Congressional Joint Committee on Taxation and subsequently wrote regulations and regulatory impact analyses for key parts of the Affordable Care Act as Division Director of Health Plan Policy in the Center for Consumer Information and Insurance Oversight at CMS.  In July, 2018 Dr. Block founded Charm Economics, LLC a translational economics consulting group.  His consulting work focuses on managed care contracting and pricing optimization of new technology and data analytics.  Dr. Block received his PhD in Health Policy from Harvard and undergraduate degree in neuroscience from Amherst College.

EPISODE #9 of Parasitecology! In the brief calm before the coming storm that is the final run of episodes in Season 1, Javier and Cher join forces to figure out just how deep in it they are. Javier learns about the pleasant sounding Cabal of Violence and the secret history of Earth, Cher's homeworld, and selective breeding and Cher learns about the excitement that is a day at work as Javier digs up information about what the Personeum Corporation may be up to. Plus, a quick trip to the club for some quiet soul searching and conversation. Hey, it seemed like a good idea at the time. Parasitecology is a darkly comic SF audiodrama about a suicidal nerd and his alien parasite best friend. For informational brochures like "Are You a Nerd?" and "What to Expect When You're Not Expecting an Alien Symbiote" write to Consumer Information, Pueblo, CO. Please note: While Parasitecology is a comedy, it incorporates the serious and, for us, highly personal topic of mental health, including dealing with anxiety, depression and suicide. If you or a loved one is at risk of self-harm, please: get help and call the National Suicide Prevention Hotline at 1-800-273-8255. Parasitecology was created by Alan Gallauresi and Rob Trevino, who also created Interrupted Tales, a weekly podcast where one of them reads a vintage or pulp story while the other person constantly interrupts.   All of their podcasts can be found at https://ohthehumanity.com. Written and directed by Alan Gallauresi and Rob TrevinoOriginal music by Alan GallauresiNarration by Stacey Frost of Rough Giraffe (https://roughgiraffe.podbean.com/)Role of Javier performed by Rob TrevinoRole of Cher performed by Alan Gallauresi Full credits at http://parasitecology.com

Daphne Large is President and CEO of the Memphis based Data Facts, which provides trusted information to make sound hiring, lending and other business decisions. In 1989, at age 27, she founded Data Facts. A native Memphian and Briarcrest grad, Daphne's driven mindset has awarded her CEO of the Year, a member of the Society of Entrepreneurs, and countless other Top Workplaces awards for her company. Daphne is passionate about serving her community and others and as you'll hear in this podcast, that is why we are so excited to share this episode with you. Learn more about Daphne Large here: http://info.datafacts.com/daphne-large

Our guest this week is Kristy Welsh, Author of Good Credit is Sexy and Founder of creditinfocenter.com, one of the few great online consumer credit forums where consumers can find answers, validation and camaraderie when it comes to credit and debt concerns.

Our guest this week is Kristy Welsh, Author of Good Credit is Sexy and Founder of creditinfocenter.com, one of the few great online consumer credit forums where consumers can find answers, validation and camaraderie when it comes to credit and debt concerns.

981- Present Editor/Publisher of Privacy Times Since 1981, I have been Editor/Publisher of Privacy Times, a biweekly, Washington-based newsletter that reports on privacy and information law, including the Fair Credit Reporting Act (FCRA). The newsletter ranges from 8-12 pages, 23 issues per year. Thus, I have researched, written, edited and published many articles on Congressional and State legislative actions, judicial opinions, industry trends and actions, executive branch policies and consumer news as they related to the FCRA. 1992 - Present Expert Witness Qualified by the federal courts in FCRA and identity theft cases. (Complete list attached). I have read extensive deposition testimony by credit bureau and credit grantor personnel. This is significant because CRAs and credit grantors do not openly discuss or publish information on their procedures and practices for handling personal data, and the best (and possibly only) sources for finding candid descriptions of CRAs' and credit grantors' procedures and practices in relation to credit reporting data are the depositions of CRA and credit grantor employees in FCRA litigation. 1998 - Present Privacy Expert Consultant, U.S. Social Security Administration Regularly review policies and practices in relation to the collection, use and disclosure of personal data and Social Security numbers and provide feedback and recommendations. 2002 - 2004 Member, Experian Consumer Advisory Council Along with other Council members, I provide an outsider's view on credit reporting, marketing and other privacy issues. July - October 2002 Consultant to U.S. Postal Service Working with the USPS's Chief Privacy Officer, I assisted in reviewing and editing the re-write of the USPS's Privacy Act notices, with an emphasis on "Plain English." Recent Testimony Before Congress & The FTC "Identity Theft: Recent Developments Involving the Security of Sensitive Consumer Information," Senate Banking Committee, March 15, 2005 "The Accuracy of Credit Report Information and the Fair Credit Reporting Act;" Senate Banking Committee, July 10, 2003 "The Role of FCRA in the Credit Granting Process," House Financial Services Subcommittee on Financial Institutions & Consumer Credit, June 12, 2003 "Database Security: Finding Out When Your Information Has Been Compromised," Senate Judiciary Subcommittee on Technology, Terrorism and Government Information, Nov. 4, 2003 Fighting Fraud: Improving Information Security," House Financial Services Subcommittee on Financial Institutions & Consumer Credit, and Oversight, April 3, 2003 "Information Flows: The Costs and Benefits to Consumers and Businesses of The Collection and Use of Consumer Information," Federal Trade Commission, National Workshop, June 18, 2003 Books Credit Scores and Credit Reports: How The System Really Works, What You Can Do (Privacy Times, 2004) Your Right To Privacy: A Basic Guide To Legal Rights In An Information Society (2nd Edition, Southern Illinois University Press, 1990), (Includes a chapter on credit reporting) Former Secrets: Government Records Made Public Through The Freedom of Information Act (Campaign For Political Rights, 1982) International Lectures 24th International Conference of Data Protection & Privacy Commissioners (Cardiff, Wales - Presentation published in conference proceedings, 2002) The 23rd International Conference of Data Protection Commissioners (Paris, La Sorbonne - Presentation published in conference proceedings, 2001) The 22nd Annual Conference on Data Protection (Venice, Italy -- 2000) The 16th Annual Conference on Data Protection (The Hague, The Netherlands -- 1994). In the 1980s, served as an expert consultant to both the Privacy Commissioner of Canada and Privacy Commissioner of Australia. Presentations/Instruction At Recent CLE & Professional Seminars "The New FACT Act: Challenge & Opportunity," Privacy & American Business, Feb. 9-10, 2004 "Understanding the FACT Act And The Impact of Multi-Agency Rulewriting Process," Glasser LegalWorks, Sept. 28-29. 2004 "12th Annual National Conference," National Credit Reporting Association, Nov. 10-12, 2004 "Advanced Consumer Litigation," Texas Bar CLE, Feb. 10-11, 2005 "Financial Privacy Litigation," (Impact of FACT Act), Practicing Law Institute, February 28- March 1 (New York City) Professional Societies Past President and Board Member, American Society of Access Professionals www.accesspro.org Industry Certification FCRA Certification, National Credit Reporting Association (www.ncrainc.org). Media In addition to being a paid consultant and special guest on CNN's IMPACT news in 1996, I am quoted regularly by major and small newspapers (including The Washington Post, New York Times, Wall Street Journal, Chicago Tribune, Los Angeles Times, Newsweek and Money Magazine), regarding issues of privacy generally and the privacy implications of consumer reporting specifically. I have appeared on ABC Nightline and World News Tonight, NBC Nightly News, CBS Evening News, CNN News Watch, CNBC, MSNBC, Fox News, various local affiliates, and such shows as the Oprah Winfrey Show and Geraldo, regarding a wide range of privacy issues. Education Bachelor of Arts, Columbia College, Columbia University, New York, N.Y. (1979) Evan Hendricks P.O. Box 302 Cabin John, MD 20818 (301) 229 7002 (301) 229 8011 [fax) www.privacytimes.com