> After that date all liability for fraud perpetrated using an SSN as a shared "secret" will be assigned to the party who accepted the SSN as "authentication".

> After that date all liability for fraud perpetrated using an SSN as a shared "secret" will be assigned to the party who accepted the SSN as "authentication". lol. How do you think it works right now? The party who accepted the SSN (or their insurance) is liable for footing the bill for the fraud, except in the ridiculously unlikely scenario where they’d manage to collect money from the fraudster.