Janice Schakowsky actually said...

Are you suggesting that it is inappropriate or unnecessary for Congress to act on standards, et cetera?

Harm from payment card breaches are acute, harm from nonfinancial breaches linger, identity theft lasts.

I believe the breach of marketing data represents really a serious threat to consumer.

So you would disagree with that conclusion that it doesn't stop fraud on existing accounts and won't prevent new account identity theft?