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Identity Theft
The SSN is frequently used by those involved in identity theft, since it is interconnected with so many other forms of identification, and because people asking for it treat it as an authenticator — it is generally required by financial institutions to set up bank accounts, credit cards, and obtain loans, partially because it is assumed that no one except the person to whom it was issued will have it. Ironically enough, Social Security cards used to have the caption "Not for identification," indicating that the cards and their number are not intended to be a form of identification. In 2005 break-ins into administrative and school computers led to large-scale identity theft, and a bill has been proposed which would make use of the social security number as identifiers in schools illegal. Exacerbating the problem is the fact that the United States has no national ID document and that the social security card contains no biometric identifiers of any sort, making it essentially impossible to tell whether a person using a certain SSN is truly the person to whom it was issued without relying on some other means of documentation (which may itself have been falsely procured through use of the fraudulent SSN). Congress has finally proposed new federal laws that will restrict the use of SSNs for identification and ban their use for a number of commercial purposes, e.g. rental applications