Privacy laws are fallacy in the U.S. and frankly it's because the citzenry has been asleep at the wheel and not demanded it because apparently entitlement payments like Medicare, Medicaid, and Social Security are WAY more important than things like the Constitution or consumer protection. Your info is for sale all over the web. Your name, address, birthdate, phone numbers, credit record, criminal record, all open and for sale. Your bank information is even out there to some extent to include transactions, amounts, dates, times, all on the web.