Feds And FDIC To Monitor
All Your Personal Financial Activities


The following is direct quote from the first page of FDIC document (6174-01) (12 CFR Part 326) Notice of proposed rulemaking.
"SUMMARY: The FDIC is proposing to issue a regulation requiring insured nonmember banks to adopt and maintain "Know Your Customer" programs. As proposed, the regulation would require each nonmember bank to develop a program designed to determine the identity of its customers; determine its customers' sources of funds; determine the normal and expected transactions of its customers; monitor account activity for transactions that are inconsistent with those normal and expected transactions; and report any transactions of its customers that are determined to be suspicious, in accordance with the FDIC's existing suspicious activity reporting regulation. ---"
The things to be very concerned about in this case are the PROFILE PARAMETERS that in turn define the various limits that when exceed, qualify as an exception to the norm and thus must be reported to another federal agency, as a suspicious transaction. There is virtually no limit to the number or type of profile parameters that can be established. For example, is the customer an 8 foot tall white male weighing in excess of 400 pounds or is the customer a four foot tall black female weighing less than 90 pounds. The question or questions (and there are many questions) then becomes, who will be responsible for establishing, defining and controlling the limitless number of possible profile parameters? Who will be responsible for adding, changing and deleting established profile parameters? Who will be responsible for insuring that this awesome and massive capability will not be misused and abused by the various departments of the Federal Government. In other words, is the 8 foot tall white male an exception to the norm or is the 4 foot tall black female the exception or, are both the upper limit and the lower limit considered as an exception to the norm. How about all those in between?
As noted in the quoted SUMMARY of the document identified above, the "key operative statements" are as follows;
1. Identify its customers. 2. Determine its customers' source of funds. 3. Determine the normal and expected transactions of its customers. 4. Monitor account activity for transactions that are inconsistent with those normal and expected transactions. 5. Report any transactions of its customers that are determined to be suspicious ---.
Before we briefly examine the five individual requirements noted above, and so that you will understand where"I" am coming from, please be aware of the fact that, in addition to being a Baptist Preacher, I have been a Data Processing Systems Analyst for some 48+ years. At least half of that time was spent working for the Federal Government, designing and installing total Data Processing Facilities, from the Presidents Battle Staff, to the Congress, to the Department of defense, to the local Church name and address data base. I have written and taught several college courses: (a) Management of Data Processing Facilities and (b) Systems Analysis. One of the first things that I always tell the new students in my Systems Analysis class is "In the field of electronic data processing, your only limitation is you own imagination. If you can rationalize it in your mind, 'electronic' data processing can do it."
Now, given that background and qualifications let me tell you, in no uncertain terms, -- I know exactly what the Federal Government is up to. I know exactly what information they are looking for; I know exactly how to get that information and I know exactly how they plan to eventually use that information.
Requirement # 1: Identify its customers. I have no problem with this requirement so long as that identifying information is limited to name, mailing address and an account number generated by the "local" financial institution and assigned to a particular account to provide unique identification, but absolutely nothing more.
Requirement # 2: Determine its customers' source of funds. This I have a BIG problem with. Even though the government would like for you to believe that this requirement is related to identifying "possible" illegal money laundering by drug traffickers, that is not the only reason they want to know the source of your finances. Remember now, the ultimate objective of the vast majority of government regulations and programs are directed at controlling the "individual." This item required that you advise the bank of all the sources that you will be receiving money from that you will be depositing in this particular account. We will expand this item in more detail below.
Requirement # 3. Determine the normal and expected transactions of its customers. For purposed of this discussion we will consider only four primary parameters related to deposits and withdrawals against this particular account.
First: When you established a new checking account you will be required to identify the number of deposits you expect to make each month and the average amount of each deposit. For example (a) military retirement pay = $2,000.00, (b) Social Security Income = $400.00, (c) Rent from income property = $750.00, (d) Interest from stocks & bonds = $ 300.00, and so on.
Second: You will be required to identify the number of withdrawals you expect to make each month from this account and the estimated amount of each withdrawal. For example; (a) Mortgage payment=$ 800.00, (b) Car Payment = $250.00, (c) College tuition = $ 1,000.00).
Once the average number of deposits and the average amount of each deposit has been determined and the average number of withdrawals and the average amount of each withdrawal has been established, it will be very easy to identify all transactions, in and out, that exceed the established norms for this particular account. For example should you find a paper bag on the side of the highway containing 10,000 well used one dollar bills, or Aunt Sue passed away and left you 10,000 well used one dollar bills and you deposited that windfall in your checking or savings account, that would immediately be detected as exceeding the established norms for your account.
Requirement # 4. Monitor account activity for transactions that are inconsistent with those normal and expected transactions. This requirement establishes the requirement that each financial institution establish a procedure to monitor your financial accounts on a regular basis for any transactions that exceed the established norms as illustrated above.
Requirement # 5. Report any transactions of its customers that are determined to be suspicious ---. This requirement requires that all financial institutions immediately report any and all suspicious transactions detected as a result of deposits or withdrawals that exceed the established norms for your account.
As I was reviewing the aforementioned FDIC document, as quoted above, I called a long time friend of mine who is vice president of a local bank that I do business with. I ask my vice president friend to identify the government agency(s) to which he would report such a suspicious transaction. His response was, the IRS and the FBI, at the national level.
My friends, as a long time ADP/EDP Systems Analyst I want you to pay particular attention to the following.
Whenever a good and successful Information (Data) Processing Systems Analyst designs a large scale information processing system, such as what we have been talking about above, he will ALWAYS allow for future expansion of "existing" applications and processing capabilities and his design work will also allow for "additional" applications and processing capabilities to be added with a minimum of additional effort and cost.
Based on my 48+ plus years in the business, let me tell you what you can expect in the very near future if the proposed "rulemaking" provisions as defined in the FDIC document identified above are allowed to be implemented. Please, read the following very carefully because it lays out the route our government is taking toward a cashless society as required by the design of a one world government under the United Nations.
1. PRESENTLY ALL recipients of military retirement pay MUST have a bank account into which their monthly retirement pay is electronically transferred. The government will no longer pay individual retirees directly, or send their retirement pay to a home address. This is part of an over all plan to extended more absolute control over the individual. It has absolutely nothing to do with economy as the government would have you to believe.
2. In the very near future look for legislation that will "require" ALL government employees, federal, state and local, to have a bank account into which their salary will also be electronically transferred, just like the retired military. In as much as most government employees already have the direct deposit option available, it requires only vary simple legislation to complete this phase of the plan.
3. Next you will see legislation that will outlaw the direct payment of all wages or salaries to any individual, by an employer. All employees who work for a wage or salary, will also be required to have a bank account into which the employer will be required to direct deposit their salary. And once again the legislation necessary to accomplish phase of the plan is very simple and easy to implement, simply because most business would welcome the reduced payroll cost. The governments objective here is to eventually make the local financial institution the only source of legal tender for the individual. At this point and for the purpose of this paper, legal tender is defined as dollars, debit cards or other credit cards. When objectives 2 & 3 above have been fully accomplished, it will then be a very simple matter to implement the rest of the plan.
Let me explain it this way. The total plan equates to $1.00 (One dollar) When steps 2 & 3 have been fully implemented, as step 1 has already been accomplished, that will equate to $ .95 cents of that $1.00. The rest of the plan equates to only 5 cents out of that one dollar. And just what is the rest of the plan? It's very simple.
After steps 1, 2 and 3 as noted above have been fully implemented, the only thing left to do then would be to outlaw all cash transactions and require all transactions now involving cash, be accomplished through the use of checks or smart cards followed by the eventual elimination of the checks.
At that point the federal government can then trace, track AND CONTROL ALL TRANSACTIONS, simply because all transactions will then be processed by massive computer systems controlled by the federal government. Given the above accomplishments and current electronic capabilities, the ability to exercise absolute control over "individuals" provided by the additional five cents noted above are absolutely mind boggling. There are many, many more reasons that all Americans should and must oppose implementation of the five (5) requirements identified above. There are TWO things that every American should do, immediately. First: All Americans should send a letter to the FDIC expressing their STRONG objection and opposition to the plan to PROFILE individual bank accounts for what ever purpose. The FDIC will be accepting public comments until December 27. Send your comments to:
Robert E. Feldman, Executive Secretary Attention: Comments/OES, FDIC 550 17th Street, NW Washington, DC 20429
Spectre <
Hi Jeff:
Found this site about the new FDIC "Know your Customer" regulations:
Seems to me the laws and regulations can be interpreted to mean a lot and I wouldn't completely discount the article you posted on your web page as a complete hoax, if you read the article.:
PARTS from that page below:
" By requiring banking organizations to determine the true identity of their customers, as well as to obtain knowledge regarding the legitimate activities of their customers, the proposed regulations will reduce the likelihood that banking organizations will become unwitting participants in illicit activities conducted or attempted by their customers."
"While it is impossible to identify every transaction at a financial institution that is potentially illegal or is being conducted to assist criminals in the movement of illegally derived funds, it is fundamental for safe and sound operations that financial institutions take every reasonable measure to identify their customers, understand the legitimate transactions to be conducted by those customers and, consequently, identify those transactions conducted by their customers that are unusual or suspicious in nature. By identifying and, when appropriate, reporting such transactions, in accordance with existing suspicious activity reporting requirements, financial institutions are protecting their integrity and are assisting the efforts of the bank regulatory agencies and law enforcement authorities to thwart illicit activities at financial institutions."
"The Board has long advocated that one of the most effective means by which a financial institution can both protect itself from engaging in transactions designed to facilitate illicit activities and ensure compliance with applicable suspicious activity reporting requirements is for the institution to have adequate "Know Your Customer" policies and procedures"
"In the Board's view, a financial institution should take the necessary and reasonable steps to determine the true identity of its customers, their sources of funds, and their normal and expected transactions and to identify unusual or suspicious activities".
Please excuse my distress, but often times the best-intentioned people are quick to jump and call something a "Hoax," which unfortunately misleads people, when just the opposite is true. Being very familiar with legal research, it was simple for me to determine if the the e-mail sent to you by Mr. Gene Ingram [] declaring the post the "Feds and FDIC to Monitor All Your Personal Financial Activities" a hoax; and to see if Mr. Ingram was presumptively correct in his analysis.
The most impmrtant point you should know it was stated in the beginning of the article in re the "Feds and FDIC" that this was a *proposed rule* being submitted by the FDIC "...requiring insured nonmember banks to adopt and maintain "Know Your Customer" programs." ALL proposed rules submitted by any federal agency must first be sent to the Federal Register for publication under the *notice* rules.
From the wording of this "Sunshing Act Meeting" chaired by the Board of Governors for the Federal Reserve System, the FDIC is "only following orders." Please find below a replica of the *notice*: ________________________________________________________________
[Federal Register: September 28, 1998 (Volume 63, Number 187)]
[Page 51579]
From the Federal Register Online via GPO Access
Sunshine Act Meeting
Agency Holding the Meeting: Board of Governors of the Federal Reserve System.
Time and Date: 10:00 a.m., Thursday, October 1, 1998.
Place: Marriner S. Eccles Federal Reserve Board Building, C Street entrance between 20th and 2lst Streets, N.W., Washington, D.C. 20553.
Status: Open.
Matters to be Considered: Summary Agenda: Because of its routine nature, no discussion of the following item is anticipated. This matter will be voted on without discussion unless a member of the Board requests that the item be moved to the discussion agenda.
1. Publication for comment of proposed amendments to Regulation H (Membership of State Banking Institutions in the Federal Reserve Qystem), Regulation K (International Banking Operations), and Regulation Y (Bank Holding Companies and Change in Bank Control) to require domestic and foreign banking organizations to develop and maintain ``Know Your Customer'' programs. 2. Any items carried forward from a previously announced meeting.
Discussion Agenda: None. No Discussion Items Are Scheduled For This Meeting.
Note: If an item is moved from the Summary Agenda to the Discussion Agenda, discussion of the item will be recorded. Cassettgs will then be available for listening in the Board's Freedom of Information Office, and copies can be ordered for $6 per cassette by calling 202-452-3684 or by writing to: Freedom of Information Office, Board of Governors of the Federal Reserve System, Washington, D.C. 20551.
Contact Person for More Information: Lynn S. Fox, Assistant to the Board; 202-452-3204.
Supplementary Information: You may call 202-452-3006 for a recorded announcement of this meeting; or you may contact the Board's Web site at for an electronic announcement. (The Web site also includes procedural and other information about the open meeting.)
Dated: September 24, 1998. Robert deV. Frierson, Associate Secretary of the Board. [FR Doc. 98-25960 Filed 9-24-98; 11:19 am] BILLING CODE 6210-01-P ___________________________________________________________
The rule[s] will not be published in the Code of Federal Regulations (CFR) until the proposed rule[s] is finalized. These rule changes will be to Regulations H, K and Y pertaining to Banking administration procedures. The proposed changes *may* be all inclusive within 12 CFR 326 - I wouldn't begin to guess until the final rules are drafted. Perhaps this is the reason why Mr. Ingram was unable to find what he was looking for. In the interim, I suggest caution, research and a thoroughly checking your sources before labeling anything a *Hoax* or stating something as fact if you don't know first hand or from personal experience.
If anything, the obvious fact this determination was dictated by the Board of Governors of the Federal Reserve System ...well, I'll leave that to your readers to decide the relevancy or merit of the Board's decree.
If you would like additional information, please feel free to contact me.
Lynn Shaffer

"I Can Prove This Is A Hoax"
From Gene Ingram
The article on your SIGHTINGS website "Feds And FDIC To Monitor All Your Personal Financial Activities" (12-1-98) at the following address is a HOAX:
I can prove this is a hoax:
The quoted article from the Federal Deposit Insurance Corp. (FDIC) doesn't exist; the Code Federal Regulations CFR) supposedly quoted is 12CFR326. However, this CFR does not contain any text quoted in the article! Check the FDIC's web site at this link, CFR Title 12, to see for yourself:
Notice the link to Part 326, and compare the text in that link to the article. There is nothing remotely similar.
However, looking at Part 353 farther down the listing, is a clue as to where the hoaxster got his idea for the fabricated FDIC article. Part 353 "Suspicious activity reports" outlines the standard banking report submitted to Federal agencies when fraudulent activity such as money laundering is suspected. The hoaxster used this CFR on the FDIC website to build his phony CFR published on SIGHTINGS:
There is nothing in Part 353 that hints the outrageous claims or assumptions in the SIGHTINGS article about monitoring of bank customers spending habits, etc. The author of the article totally fabricated it, and even made-up the FDIC CFR reference!
You should put the green "HOAX!" icon in front of this story on your website.
Eugene Ingram, Jr.
San Jose, California
Comments To FDIC Opposing Bank
Snooping Proposal Due By December 27
To: ROBERT E. FELDMAN, Federal Deposit Insurance Corporation (FDIC)
Re: Bank Snooping Plans
Sir: I am writing to you by your DEADLINE of December 27th, and I EXPECT a reply. I have read the article by "The Winds" below titled "FDIC to Force Banks to Spy on Customers". Who the HELL do you SATANIC BLOOD SUCKING BASTARDS think you are? I want you to know that I TOTALLY OPPOSE this tyranical move to force us into a CASHLESS SOCIETY and to MONITOR our every move as if we were so many CATTLE.
The article below depicts a scenario straight out of George Orwell's "1984", and I would like for you to explain to me how you think this would in ANY WAY be a good idea? I am forwarding word of this OUTRAGE to my large email distribution list,and will include it in my website, because what you are proposing here is SATANIC. If you go through with this, and SHOVE THIS gross imposition on our liberties DOWN OUR THROATS, I am hereby putting _YOU_ and all the other FASCIST BASTARDS at FDIC ON NOTICE that you will have to answer to your CREATOR when you die. I, for one, REFUSE to accept the MARK OF THE BEAST, and STRONGLY ENCOURAGE civil disobediance in the FACE of this GROSS OUTRAGE. I hope you like PEANUT BUTTER, jack, because you're about to be "JAMMED" with email.
John Hammel <
FDIC To Force Banks To Spy On Customers Citizen Tracking Will Mark All Comers
Moving with all the determination and tact of a Third World dictatorship, the United States government has contrived yet another measure to track and control the activities of all its citizens. This time it is the Federal Deposit Insurance Corporation (FDIC) that is planning a "know your customer" rule which forces banks to spy on their customers and will potentially restrict cash transactions. This measure follows other police state proposals such as the <idcard6-97.htmlnational ID card, medical enumeration, and the airline passenger profiling system (CAPS) that went into operation January 1st of this year. As the Draconian year 2000 approaches, privacy-destroying laws seem to be propagating like rabbits.
FDIC to Banks: Spy on Your Customers
Recent reports describe a forthcoming FDIC notice of proposed rule-making (NPRM)[1] entitled, "Minimum Security Devices and Procedures and Bank Secrecy Act Compliance." The summary on the first page reads in part:
As proposed, the regulation would require each nonmember bank to develop a program designed to determine the identity of its customers; determine its customers' source of funds; determine the normal and expected transactions of its customers; monitor account activity for transactions that are inconsistent with those normal and expected transactions; and report any transactions of its customers that are determined to be suspicious, in accordance with the FDIC's existing suspicious activity reporting regulation. By requiring insured nonmember banks to determine the identity of their customers, as well as to obtain knowledge regarding the legitimate activities of their customers, the proposed regulation will reduce the likelihood that insured nonmember banks will become unwitting participants in illicit activities conducted or attempted by their customers. It will also level the playing field between institutions that already have adopted formal "Know Your Customer" programs, and those that have not.
If enacted, this proposal will force banks, at their own expense, to develop a customer "profiling" mechanism that tracks the banking habits of all their customers. Banks already report transactions over $10,000, but the new requirement would apply to all "suspicious" activity as determined by the FDIC's profiling parameters[2] . These parameters are mandated by the FDIC and given to the bank to implement in their own system.
According to the initial summary, the FDIC will require banks to determine the identity of its customers. Judging from the character of this proposed rule, this may well include biometric identifiers. A photo ID, such as a driver's license, is already required to open an account. The bank will have to determine where the customers' funds came from. These new requirements open up broad possibilities for interrogations like: "Where did you get this cash, Mr. Jones? This is not a payroll check. Can you tell us why and where you received it? I'm sorry, we had to report you to the DEA because you withdrew too much cash last Friday." Cash will be treated with suspicion, further stigmatizing it as something used only by drug dealers and criminals. Finally, banks will act as agents of the government, monitoring their customers' transactions and reporting them when they deviate from their established profile.
Profiling is the rage in governance today. A government bureaucrat arbitrarily decides what kinds of behavior indicate "illicit activity" and creates a "profile" or pattern from those factors. Huge volumes of data, bits and pieces of our everyday lives, are fed into computers that scan the information and look for patterns of activity that match those profiles. Once a person is "flagged" by a profiling system, he/she essentially must prove that he/she is innocent of wrongdoing. Profiling is practiced by some banks already, but "Know Your Customer" will make it mandatory for all[3].
The Christian Alert Network (TCAN), the organization which broke the news of the FDIC "Know Your Customer" proposal, also points to the trends in electronic deposits as something that will become universal. Electronic deposits are already mandatory for military retirees, requiring them to have a bank account to be paid. Soon all government payments will be made electronically, whether to military personnel, civilian employees, beneficiaries or vendors. TCAN is also predicting that new laws will soon be passed requiring that all employers pay their employees electronically[4].
The End of Cash (and privacy)
The trends are headed ominously toward a cashless society where all transactions are controlled and monitored by the government. Smart, debit and credit cards will become the new legal tender. Opening a bank account, presenting federally approved identification and biometric data, and submitting to monitoring and profiling will be the only way to earn a living and purchase the necessities of life. This was confirmed by an anonymous bank branch president in an interview with WorldNet Daily[5]. This banker predicted that new laws would soon limit cash transactions to $100 and that sometime in the near future all transactions would be handled electronically. The opportunities that technology has provided government and corporations for the micromanaging of every person is astounding.
At this point it should be noted that since the 1930's Americans have depended on a fiat paper currency that is not backed by gold or anything of value, except the faith people put in it. The new cashless system will further reduce money to a series of electronic impulses and computer ledger entries while completely removing any tangible control of it from its rightful owner. Money will never leave the bank -- accounts will merely be adjusted to reflect a transaction. With this in mind, we should consider the words of Robert H. Hemphill, former credit manager of the Federal Reserve Bank in Atlanta, Georgia, whose warning about our worthless, debt-based paper currency is even more applicable now. He said:
This is a staggering thought. We are completely dependent on the commercial Banks .... If the Banks create ample synthetic money, we are prosperous; if not, we starve. We are absolutely without a permanent money system. When one gets a complete grasp of the picture, the tragic absurdity of our hopeless position is almost incredible, but there it is. It is the most important subject intelligent persons can investigate and reflect upon. It is so important that our present civilization may collapse unless it becomes widely understood and the defects remedied very soon[6].
Airline Passenger Profiling, Internal Passports and Travel Papers
One month after the <flight_800_10-98.htmlTWA flight 800 disaster, President Clinton signed Executive Order 13015 which established the White House Commission on Aviation Safety and Security. Never one to miss an opportunity to advance the police state, President Clinton used the crash to launch a new "domestic security" initiative, even though there was no evidence that TWA 800 was brought down because of poor airport security. The public bought it and the job of "airline safety czar" was assigned to Vice-President Al Gore.
Gore's commission met and concluded, amid the frenzy of the still unsolved TWA disaster, that there exists an urgent need to track every single passenger who boards a commercial flight in the United States. Gore called for immediate implementation of the 1990 Aviation Security Improvement Act which requires airlines to keep comprehensive passenger manifests. Although the FAA doesn't specifically require airlines to check ID before boarding, they took the hint and started checking it anyway[7].
As of October 1, 1998, airlines started requesting passenger's next of kin and contact phone number on international flights leaving or arriving at U.S. destinations. There are also plans to request this on domestic flights in the near future. Even though at present this information is voluntary, critics foresee that it will become mandatory and will be included with social security numbers (SSNs)[8], photographs, biometric identifiers[9] and the like. All this, of course, is to notify your next of kin faster if you die in an air disaster and to guarantee your safety.
Family notification info and photo ID at check-in are converging with the Computer Assisted Passenger Screening System (CAPS), a centralized airline passenger database which is up and running as of January 1, 1998[10]. Northwest Airlines tested this passenger profiling system for the FAA in 1997, collecting over forty pieces of information about each passenger such as credit card numbers, home address and phone number, travel patterns, hotels, car rentals, expected length of stay at destination, traveling companions, whether the ticket was purchased in advance or shortly before departure, and if payment was made with cash or credit card[11].
The CAPS computer compares this personal information with secret profiles the government deems to be security risks. If you match one of those profiles -- perhaps you have an Arab surname or pay your fare in cash at the ticket counter -- CAPS will flag your name and the airline, acting in accordance with FAA directives but not burdened by constitutional restrictions will subject you to increased security measures.
Once you have been identified as a security threat, you may be subjected to intrusive personal questioning and a thorough search of your luggage in front of other passengers, being tagged with bright orange tape, physically escorted from ticket counter to airport gate by security personnel, or refused service -- all in full view of other passengers. This may happen because you fit a secret profile which is based on everyday, non-criminal activity[12].
Al Gore's commission report also proposed that the massive CAPS database be linked with law enforcement databases, greatly expanding the volume of information available on each passenger. For such a system to profile passengers effectively, critics claim, the government would have to create a file, or dossier, on every potential passenger in the United States[13]. That includes everyone. The main component for this dossier already exists with the SSN. When SSNs finally become part of air travel (for our own safety, of course) it will dovetail conveniently with another DOT requirement -- that all state drivers' licenses display the bearer's SSN, biometric information, and a scannable bar code or magnetic strip.
Within a few months air travelers could be offered faster check-in. Imagine -- just run your federally approved driver's license through the scanner and put your palm on the reader. The airline computer instantly queries the CAPS database, verifies your biometric data and SSN, queries the FBI's NCIC computer for a background check, compares your itinerary to previous flights you've taken, reports your hotel and car reservation, enters your full name, date of birth, SSN and name and phone number of next of kin into the passenger manifest and other data fields. Within seconds (provided you are a normal person and haven't tripped any flags) you have completed the FAA's security requirements for boarding.
States Bribed to Gather Information for Feds
By dangling funds for welfare and child support enforcement programs, the federal government has enticed many states into requiring SSNs for all state-issued licenses including occupation, hunting, fishing, and, of course, driver's licenses. States that take the federal bait must also require employers to report the name, address, SSN and wage information of new employees within a few days of hire. The states funnel this information into the Federal Parent Locator Service (FPLS) at Health and Human Services in Washington, which maintains the National Directory of New Hires. This is one of the largest databases ever kept by a government on its people[14].
Following federal measures to catch so-called <../family/a102896d.htmldeadbeat parents came another measure to ostensibly deal with illegal immigration. Buried in the Illegal Immigration Reform and Immigrant Responsibility Act (1996) is section 656(b) which requires all states to issue driver's licenses that comply with federal standards by October 1, 2000. Along with the bearer's SSN, the license must display biometric identifiers such as fingerprints, retina scans and DNA prints. The National Highway Traffic Safety Administration has already published the requirements for the "Driver's License/SSN/National Identification Document" which sets out the rules for state issued identity documents.
Due to public outcry Congress delayed funding for the new DOT driver's license requirements for one year. This delay will in no way diminish the progress of information gathering done at HHS, which is every bit as intrusive and Orwellian as the proposed national ID card. No matter how you slice it, federal government computers are already tracking where we live, work, how much we make and, before long, watching and controlling what we buy and sell.
The Big Shift: Guilty until Proven Innocent
Assured that their government is taking strong action against terrorists, deadbeats and drug dealers, most Americans have failed to note their country's fundamental shift. There was a time when your name entered police records in a limited number of instances, e.g., if you were a suspect or a victim of a crime. Criminal records were only kept on those persons that had been convicted in a court of law for a specific crime.
The shift was almost imperceptible because it was supported by advances in technology and leveraged by convenience -- the highest good in our society today. State and federal records are merging, as are the various classes of records -- occupational and driver's licenses with child support records, criminal records with occupational, selective service and income tax with child support, passenger profiling with airline reservations and criminal records -- just to name a few examples. The great task of making all these records available electronically requires the standardization of forms, which is required by the GATT. It also requires a unique identifier for every man, woman and child. This identifier is the social security number which the GATT requires be assigned to every child at birth.
It is becoming impossible to function as a member of this society without surrendering information that should be personal -- data that is fed into centralized government records and used to monitor your behavior. It is not evidence of any criminal wrongdoing that interests the government about you -- it is the fact that you exist. Every man, woman and child must be subject to this gigantic electronic fishing expedition. You are investigated, not after a crime has occurred and you are somehow involved, but because a computer profile has pointed the finger of suspicion at you and based its assessment of your non-criminal habits. The burden now rests on you to prove your innocence and because the punishment may mean being interrogated and searched at the airport, harassed at the bank, or your cash or automobile being seized by a drug task force, you may never have your day in court unless you go to the expense of hiring a lawyer to sue. In short, all are searched and tracked and those accused are guilty until proven innocent. This is what it means to live in a police state.
police state: a political unit characterized by repressive governmental control of political, economic, and social life usually by an arbitrary exercise of power by police and especially secret police in the place of regular operation of administrative and judicial organs of the government according to publicly known legal procedures. -- Merriam Webster's Dictionary
"The evils of tyranny are rarely seen but by him who resists it." -- John Hay, 1872
Politicians, bureaucrats and news anchors all tell us about the wonderful new tools being developed in the "war on crime." We'll all be safer from fraud, terrorism, and drug dealers who want to sell drugs to our children. Deadbeats and tax evaders will be forced to pay what they owe, and the world will be a safer, better place. These are lies, lies, lies. All lies!
Computer profiles, numeric identifiers, tracking every person from cradle to grave -- this is all about controlling people, not fighting crime. Once this massive surveillance and debit card system is in place the governing elite will naturally expand their definition of crime. For example, the "human rights" tribunal in Canada has the power to prosecute "<hate_crime10-98.htmlhate crimes", a term loosely defined as words or actions that cause hatred or contempt of a special, identifiable group. Questioning the official version of history, speaking out against abortion or homosexuality, shielding your children from the perversity of multi-cultural studies, or maintaining a strict biblical worldview -- these acts could all be construed as "hate crimes." Your church or family may be classed as anti-government since you do not willingly voice the opinion of the politically correct, but oppose it.
Once Americans are placed under these tribunals and financial transactions are limited to debit cards, technology will undoubtedly enable these kangaroo courts to impose economic sanctions against individuals who commit hate crimes. "We're sorry, Mr. Jones" reads the screen of a point-of-sale terminal at Safeway, "Your debit card has been reclassified by the sanctions bureau. Reason: hate speech violation during gay pride day, failure to complete diversity training as ordered by the human rights tribunal. Status: rations cut to five pounds of beans per month, no other purchases permitted including gasoline." While methods may vary from this illustration, we may be certain they will exceed our worst nightmare. Technology is now being used to reach that ancient objective of absolute power.
The Holy Bible uses the imagery of wild beasts to describe earthly governments. These beasts are powerful creatures with fangs, claws and horns. Naturally, they live by the laws of brute force and have no ability to reason. A beast of the apocalypse accurately portrays the entrenched socialist establishment that rules the world today. They have nothing but contempt for God-given rights and the rule of law. The only law they know is that of force -- a diabolical mind-set that will once again lead them to exterminate millions in the name of their statist religion.
And he causeth all, both small and great, rich and poor, free and bond, to receive a mark in their right hand, or in their foreheads: and that no man might buy or sell, save he that had the mark, or the name of the beast, or the number of his name. Revelation 13:16,18.
When this beast attempts to number and track all human beings for the sake of controlling their lives and their beliefs, this number is called a "mark" which is meant to control what we think (in our forehead) and what we do (in our hand). The Bible teaches obedience to civil authority until the "beast" tries to take the place of God and put his mark of ownership on us. When that happens we are enjoined by the Bible to commit civil disobedience and refuse "the mark." Like the three Hebrew men in the book of Daniel, we cannot bow before the image of the beast and give the worship that is reserved for God alone. Only He who numbers the hairs on our head -- the Creator of our species and Originator of our rights -- alone possesses the right to watch and record our every action. The Bible warns:
If anyone worships the beast and his image, and receives a mark on his forehead or upon his hand, he also will drink of the wine of the wrath of God, which is mixed in full strength in the cup of his anger ... and they have no rest day and night, those who worship the beast and his image, and whoever receives the mark of his name. Revelation 14:9-11.
* Big Brother and YOUR Bank Account, The Christian Alert Network, Curt
Tomlin, alert #A63.
* California Bankers Oppose Snooping Plan, Gabrielle Stevenson, WorldNet
Daily, 11-26-98.
* As of 11-29-98 the FDIC has not published its proposal in the Federal
Register and, therefore, its first public draft is not yet official. This
news of this forthcoming proposal was released by a member of Congress.
* See reference 1.
* Opposition to Big Brother Banks, David M. Bresnahan, WorldNet Daily,
* Original source of Hemphill quote was not located by The WINDS, but
its veracity speaks for itself.
* Airlines began checking government-issued photo ID in 1996 after TWA
NUMBERING, 11-1-98.
* Coalition letter on Airline Safety and Privacy addressed to
Vice-President Al Gore, 2-11-97, Electronic Privacy Information Center.
* Airlines Debut Profiling System, 12-31-97, ACLU Press Release.
* Citizen Suspect: The Federal Bureaucracy's Technological Assault on
our Liberties, Lisa S. Dean, Free Congress Foundation January, 1998 et al.
* See reference 10.
* See reference 9.
* See reference 11, HHS has the ability to gather information on 60
million new employees each year.