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IAPP Certified Information Privacy Professional/United States (CIPP/US) CIPP-US Prüfungsfragen mit Lösungen (Q177-Q182):
177. Frage
What does the Massachusetts Personal Information Security Regulation require as it relates to encryption of personal information?
Antwort: A
Begründung:
The Massachusetts Personal Information Security Regulation (201 CMR 17.00) requires that any person or entity that owns or licenses personal information of Massachusetts residents must implement and maintain a comprehensive written information security program that includes administrative, technical, and physical safeguards to protect such information. One of the technical requirements of the regulation is to encrypt all personal information of Massachusetts residents that is stored on laptops or other portable devices, regardless of where the equipment is located12. The regulation defines personal information as a person's first name and last name or first initial and last name in combination with any one or more of the following data elements that relate to such person: (a) Social Security number; (b) driver's license number or state-issued identification card number; or financial account number, or credit or debit card number, with or without any required security code, access code, personal identification number or password, that would permit access to a resident's financial account1. The regulation also requires encryption of all transmitted records and files containing personal information that will travel across public networks, and encryption of all data containing personal information to be transmitted wirelessly1. References:
* Regulation 201 CMR 17.00: Standards for the Protection of Personal Information of MA Residents
* Massachusetts Law Raises the Bar for Data Security
178. Frage
Which of the following is NOT one of three broad categories of products offered by data brokers, as identified by the U.S. Federal Trade Commission (FTC)?
Antwort: B
Begründung:
Data brokers are companies that collect, analyze, and share personal information about consumers for various purposes, such as marketing, risk mitigation, and research. The U.S. Federal Trade Commission (FTC) conducted a study of nine data brokers in 2012 and published a report in 2014, titled "Data Brokers: A Call for Transparency and Accountability". In the report, the FTC identified three broad categories of products offered by data brokers, based on the primary purposes for which the products are used by their customers. The three categories are: 12
* Marketing products: These products help customers target potential customers, tailor marketing offers, measure the effectiveness of marketing campaigns, and improve customer relationships. Marketing products include data elements, segments, scores, lists, and analytics that are derived from consumer data. Data brokers may provide marketing products through direct marketing (such as postal mail,
* e-mail, or phone), online marketing (such as online display ads, social media, or mobile apps), or marketing analytics (such as measuring consumer behavior, preferences, and trends)12
* Risk mitigation products: These products help customers verify and authenticate consumers' identities, prevent fraud, and comply with legal obligations. Risk mitigation products include identity verification, identity authentication, fraud prevention, and compliance products that are based on consumer data. Data brokers may provide risk mitigation products through various methods, such as matching consumer-providedinformation with data broker records, generating questions or challenges based on consumer data, or providing scores or indicators of fraud risk or compliance status12
* Research products: These products help customers understand consumer behavior, preferences, and trends, as well as market conditions, industry developments, and economic factors. Research products include reports, studies, statistics, and insights that are derived from consumer data. Data brokers may provide research products through various formats, such as online portals, dashboards, newsletters, or custom reports12 The FTC report did not include location of individuals as one of the three broad categories of products offered by data brokers. Location of individuals may be a specific type of product or service that some data brokers provide, but it is not a primary purpose for which data brokers use consumer data. Therefore, the correct answer is C. Location of individuals (such as identifying an individual from partial information).
References:
* Data Brokers: A Call For Transparency and Accountability: A Report of the Federal Trade Commission (May 2014)
* IAPP CIPP/US Certified Information Privacy Professional Study Guide, Chapter 5: State Privacy Laws, Section 5.3: Data Broker Laws
179. Frage
SCENARIO
Please use the following to answer the next QUESTION:
You are the chief privacy officer at HealthCo, a major hospital in a large U.S. city in state A. HealthCo is a HIPAA-covered entity that provides healthcare services to more than 100,000 patients. A third-party cloud computing service provider, CloudHealth, stores and manages the electronic protected health information (ePHI) of these individuals on behalf of HealthCo. CloudHealth stores the data in state B. As part of HealthCo's business associate agreement (BAA) with CloudHealth, HealthCo requires CloudHealth to implement security measures, including industry standard encryption practices, to adequately protect the data.
However, HealthCo did not perform due diligence on CloudHealth before entering the contract, and has not conducted audits of CloudHealth's security measures.
A CloudHealth employee has recently become the victim of a phishing attack. When the employee unintentionally clicked on a link from a suspicious email, the PHI of more than 10,000 HealthCo patients was compromised. It has since been published online. The HealthCo cybersecurity team quickly identifies the perpetrator as a known hacker who has launched similar attacks on other hospitals - ones that exposed the PHI of public figures including celebrities and politicians.
During the course of its investigation, HealthCo discovers that CloudHealth has not encrypted the PHI in accordance with the terms of its contract. In addition, CloudHealth has not provided privacy or security training to its employees. Law enforcement has requested that HealthCo provide its investigative report of the breach and a copy of the PHI of the individuals affected.
A patient affected by the breach then sues HealthCo, claiming that the company did not adequately protect the individual's ePHI, and that he has suffered substantial harm as aresult of the exposed data. The patient's attorney has submitted a discovery request for the ePHI exposed in the breach.
Of the safeguards required by the HIPAA Security Rule, which of the following is NOT at issue due to HealthCo's actions?
Antwort: B
Begründung:
The HIPAA Security Rule requires covered entities and their business associates to implement three types of safeguards to protect the confidentiality, integrity, and availability of electronic protected health information (ePHI): administrative, physical, and technical1. Security safeguards is not a separate category of safeguards, but rather a general term that encompasses all three types. Therefore, it is not a correct answer to the question.
* Administrative safeguards are the policies and procedures that govern the conduct of the workforce and the security measures put in place to protect ePHI. They include risk analysis and management, training, contingency planning, incident response, and evaluation12.
* Physical safeguards are the locks, doors, cameras, and other physical measures that prevent unauthorized access to ePHI. They include workstation and device security, locks and keys, and disposal of media12.
* Technical safeguards are the software and hardware tools that protect ePHI from unauthorized access, alteration, or destruction. They include access control, encryption, audit controls, integrity controls, and transmission security12.
In the scenario, HealthCo's actions have potentially violated all three types of safeguards. For example:
* HealthCo did not perform due diligence on CloudHealth before entering the contract, and has not conducted audits of CloudHealth's security measures. This could be a breach of the administrative safeguard of risk analysis and management12.
* HealthCo discovers that CloudHealth has not encrypted the PHI in accordance with the terms of its contract. This could be a breach of the technical safeguard of encryption12.
* HealthCo provides its investigative report of the breach and a copy of the PHI of the individuals affected to law enforcement. This could be a breach of the physical safeguard of disposal of media, if HealthCo did not ensure that the media was properly erased or destroyed after the transfer12.
References: 1: Summary of the HIPAA Security Rule, HHS.gov. 2: What is the HIPAA Security Rule?
Safeguards ... - Secureframe, Secureframe.com.
180. Frage
Under the Fair Credit Reporting Act (FCRA), what must a person who is denied employment based upon his credit history receive?
Antwort: A
181. Frage
Which statute is considered part of U.S. federal privacy law?
Antwort: D
Begründung:
The Fair Credit Reporting Act (FCRA) is considered part of U.S. federal privacy law because it regulates the collection, use, and disclosure of personal information by consumer reporting agencies, such as credit bureaus, background check companies, and tenant screening services. The FCRA aims to protect the privacy, accuracy, and fairness of consumer credit information, and to ensure that consumers have access to and control over their own credit reports. The FCRA also imposes obligations on users and furnishers of consumer reports, such as creditors, employers, insurers, and landlords, to obtain consent, provide notice, and correct errors when using consumer reports for various purposes. The FCRA is enforced by the Federal Trade Commission (FTC) and other federal agencies, as well as by private lawsuits and state attorneys general. The FCRA was enacted in 1970 and has been amended several times, most notably by the Fair and Accurate Credit Transactions Act of 2003 (FACTA), which added provisions on identity theft prevention, fraud alerts, free credit reports, and disposal of consumer information. References:
* Fair Credit Reporting Act - Wikipedia
* Fair Credit Reporting Act | Federal Trade Commission
* Fair Credit Reporting Act (FCRA) - Consumer Information
* Fair Credit Reporting Act (FCRA) | Privacy Rights Clearinghouse
182. Frage
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