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1、PassageFour(2004年6月)Questions36to40arebasedonthefollowingpassage.Whenweworryaboutwhomightbespyingonourprivatelives,weusuallythinkabouttheFederalagents.Buttheprivatesectoroutdoesthegovernmenteverytime.It’sLindaTripp,nottheFBI,whoisfacingchargesunderMaryland’sl
2、awsagainstsecrettelephonetaping.It’sourbanks,nottheInternalRevenueService(IRS),thatpassourprivatefinancialdatatotelemarketingfirms.ConsumeractivistsarepressingCongressforbetterprivacylawswithoutmuchresultsofar.Thelegislatorsleantowardlettingbusinesspeopletrac
3、kourfinancialhabitsvirtuallyatwill.Asanexampleofwhat’sgoingon,considerU.S.Bancorp,whichwasrecentlysuedfordeceptivepracticesbythestateofMinnesota.Accordingtothelawsuit,thebanksuppliedatelemarketercalledMemberWorkswithsensitivecustomerdatasuchasnames,phonenumbe
4、rs,bank-accountandcredit-cardnumbers,SocialSecuritynumbers,accountbalancesandcreditlimits.Withthesecustomerlistsinhand,MemberWorksstarteddialingfordollars-sellingdentalplans,videogames,computersoftwareandotherproductsandservices.Customerswhoaccepteda“freetria
5、loffer”had30daystocancel.Ifthedeadlinepassed,theywerechargedautomaticallythroughtheirbankorcredit-cardaccounts.U.S.Bancorpcollectedashareoftherevenues.Customersweredoublydeceived,thelawsuitclaims.They,didn’tknowthatthebankwasgivingaccountnumberstoMemberWorks.
6、Andifcustomersasked,theywereledtothinktheanswerwasno.ThestatesuedMemberWorksseparatelyfordeceptiveselling.Thecompanydeniesthatitdidanythingwrong.Foritspart,U.S.Bancorpsettledwithoutadmittinganymistakes.Butitagreedtostopexposingitscustomerstononfinancialproduc
7、tssoldbyoutsidefirms.Afewtopbanksdecidedtodothesame.ManyotherbankswillstilldobusinesswithMemberWorksandsimilarfirms.Andbankswillstillbeminingdatafromyouraccountinordertosellyoufinancialproducts,includingthingsoflittlevalue,suchascreditinsuranceandcredit-cardp
8、rotectionplans.Youhavealmostnoprotectionfrombusinessesthatuseyourpersonalaccountsforprofit.Forexample,nofederallawshields“transactionandexperience”information-mainlythedetailsofyourbankan