mr. leibowitz, if we could go to that. and that is, i know that we don't require privacy policies right now. but should we require privacy policies when it comes to kids and teens? >> i think that's something we would like to work with you on, because i think if you can encourage or require companies -- again, above coppa. under copa, we're under a children under the privacy protection act, specific obligations, as this committee knows we're in the process of updating cuppa obligations, i think that's a really good thing to haven't so that you know teens understand some of the consequences. all too often it's after a -- they recognize the importance of privacy, which most consumers recognize if you look at polling data. too often teens recognize the importance of privacy after they've sent something, posted something, read something that caused some harm. so i want to work with you, if up allow me on that issue with you coming forward that would be great. >> as we work on that i'd love to get your thoughts on if, and if so

mr. leibowitz -- jon leibowitz the general counsel to the commerce related to senator kerry and then comeck to you. okay? let's start with mr. jon leibowitz. senators come i appreciate the testimony on consumer privacy. it commends the recent part of the bipartisan leadership you have shown on consumer privacy issues. most remarks conserve privacy policy and it said do not track. we'll describe the recent enforcement efforts. imagine a cash strapped college student and applies online for a loan and obtains it but also because her father suffers from depression so she wants to research symptoms and treatments. then in the mail she receives another loan offered from a payday lender. in the evening she spends time relaxing by being of a social old network but now realizes she precedes adds for medication. could the lender have sold the information into the pale lenders? or the fact she researched the depression and be shared with potential employers? yen these exchanges of the operations of her without awareness. the answer is yes from quick responses to loan applications. and an easy way to

mr. chairman for holding this hearing and thanks to the witnesses. i want to speak to you german leibowitzon craming which i know you've been doing and i've been focusing on for awhile with ever attorney general in minnesota, and we have made some strides with some of the major telephone companies as you know agreeing for landlines to police this in a better way, and i know that i saw yesterday you announced your seeking a content ruling against its third-party bill and companies, so i want to thank you for that even though it isn't on the topic is kind of. but then move on to some other things. today i introduced along with senator blumenthal and a few other senators and we have companion house budget legislation on the password privacy, and it's called the password protection act and this of course cannot of a number of us that got contacted by people that had been asked for passports and there's been some reports on that and we worked actually with facebook and google and twitter and a lot of groups and they're seems to be widespread support for putting some kind of a rule in place to m