> It strikes me that at the very least credit rating agencies should be non-profit and very closely monitored by government. This will include ensuring security

> It strikes me that at the very least credit rating agencies should be non-profit and very closely monitored by government. This will include ensuring security best practice is followed. Tell that to people riding their free class-action credit monitoring from when their OPM background investigation records got leaked to the russians or chinese thanks to the government's "security best practices".