>It was reasonable at the time it was put into place I don't think so. It's only been around for about 15 years or so. Internet infrastructure wasn't as advanc

>It was reasonable at the time it was put into place I don't think so. It's only been around for about 15 years or so. Internet infrastructure wasn't as advanced then, but neither were there as many people who would've used it. The only reason I can see for the state of things is that the credit bureaus wanted to nickel-and-dime people for credit monitoring, and because they could water down the regulations, they did. Another thing that was sorely needed was to make the domain a .gov or something other than a .com to prevent so many imposters. And I just now read on Wikipedia a list of companies excluded from the requirements, like ChexSystems.