Ok so you have heard about OPERATION "KNOW YOUR CUSTOMER", here is a well written piece that shows the ORWELLIAN IMPLICATIONS in a cogent and clear way that you can share with ANYONE. Also show them the following WEB SITE: http://www.yvo.com <- I have heard good things about it, but would like to know what others think, having heard about it second hand. Is it a viable and legal solution to this attack ? Please share your thought on YOUR VIRTUAL OFFICE, as I would like to know what others think. ALSO, I rarely ask people to write letters, knowing how few will, THEREFORE I rarely ask people, only when it appears important enought to ask so this is just one of such times we all should TAKE ACTION. 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 FAX: 202-898-3838 Be sure to include the following information at the top of your letter: 6374-01 FDIC 12 CFR 326 Minimum Security Devices and Procedures and Bank Secrecy Act Compliance Notice of proposed rulemaking Second: All Americans should immediately destroy ALL debit cards and credit cards and revert to using cash (dollars), barter, gold and silver, in all business transactions instead of checks, debit cards and credit cards. Please forward this alert to the maximum extent possible. Congressmen Ron Pauls Web Page and ANGLE on this ORWELLIAN NIGHTMARE: http://www.house.gov/paul/tst98/tst113098.htm A TRUE MAN of GOD, apparently one of the FEW !!!, is doing a very important part of his JOB, read on... Subject: Big brother and YOUR bank account URGENT * URGENT * URGENT * URGENT * URGENT Dear Friends: I have just finished analyzing a 29 page document obtained from a U. S. Congressman who, for the moment and at his request must remain anonymous. The document is a Federal Deposit Insurance Corporation (FDIC) document and is entitled "Minimum Security Devices and Procedures and Bank Secrecy Act Compliance." To set the tone for the following discussion let me remind you that since January 1992, the Federal Government has set its sights on establishing federal controls over EVERY ASPECT of every individual Americans personal life and liberties. For example; 1. The federal government has established "PROFILES" for various so-called criminally inclined personalities. Now as one travels about the country, especially in air ports, the government spies look you over and if you happen to resemble one of those criminally inclined personality profiles, in appearance, conduct or mannerisms, YOU are taken into police custody and then you are required to prove that you are indeed not a criminal or even a potential criminal. 2. Even our school children are now being "profiled" so that the federal government can identify those children who, in the opinion of certain government agents, require psychological evaluation and subsequent psychological treatment (reprogramming) in order to instill in that child "government standards of behavior" to prevent that child from committing criminal acts later in life (so they think). 3. NOW --- NOW the Federal Government, working through the FDIC, plans to "PROFILE 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 delating 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 establishees 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 establshed 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 Be sure to include the following information at the top of your letter: 6374-01 FDIC 12 CFR 326 Minimum Security Devices and Procedures and Bank Secrecy Act Compliance Notice of proposed rulemaking Second: All Americans should immediately destroy ALL debit cards and credit cards and revert to using cash (dollars) in all business transactions instead of checks, debit cards and credit cards. Please forward this alert to the maximum extent possible. Rev. "Curt" Tomlin Major USA Ret President TCAN Inc. ***********