Mark Warner actually said...

How do you get the standard right on when it becomes the duty of the company or the financial institution to report an incursion?

I think this is a real problem that the FTC's enforcement authority in this area is so limited.

I would only point out, as I dug into the data on the U.K., when we saw chip and PIN and face-to-face transaction fraud drop dramatically, i...

Amen.