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 Beware of PDF files
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PWinFL

Florida
469 Posts

Posted - 12/08/2009 :  6:40:27 PM  Show Profile  Visit PWinFL's Homepage  Reply with Quote
Secure document warehousing is a good step for data protection. However, since the access to the "secure" site is provided in open transmission (non-encrypted) emails, anyone intercepting the email can gain access. I've even had my wife call to obtain the username/password for access to a file. They didn't even ask who she was. She simply said that I couldn't access the file and needed the information. They provided it to her, no questions asked.

Once access is obtained, the download of the data is again transmitted in the clear. That is, not encrypted, so anyone 'listening' in would have open and clear access to the data. It's not that hard to use encryption. Even a VPN would be a step in the right direction.

(Much of this paranoia comes from my involvement with data security and risk management at a major financial institution. Not with mortgages per se, but with treasury functions within the bank.)


Never drive any faster than your guardian angel can fly.

I am not an attorney licensed to practice law in the State of Florida,
and I may not give legal advice or accept fees for legal advice.


Visit us online at http://www.PAWnotary.com
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vince

Kansas
324 Posts

Posted - 12/08/2009 :  5:00:50 PM  Show Profile  Visit vince's Homepage  Reply with Quote
Paul, I believe what Vanessa went on to say was that many of the companies now have a “secure” website where the documents may be downloaded from. Perhaps you could comment on the ease of access and security of the documents on such sites - compared to the encryption of pdf documents and e-mailing them, and/or simply e-mailing them as so many still do. Further, what method may be considered a reasonable means to comply with privacy act in your opinion?
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PWinFL

Florida
469 Posts

Posted - 12/08/2009 :  08:03:41 AM  Show Profile  Visit PWinFL's Homepage  Reply with Quote
Unfortunately, the password security on PDF files is extremely weak. That is, it is easy to extract the password. There are programs available for download that will extract the password from any PDF file. Some, simply change it to whatever the user wants, so they will then have unrestricted access to the file.

The only secure way, is full 128-bit (or better) encryption of the data where the end user must supply a key (provided by the originator) to decrypt the file. Even using SSL can be beaten, but if the file is encrypted properly, then unwanted intrusion can be minimized.


Never drive any faster than your guardian angel can fly.

I am not an attorney licensed to practice law in the State of Florida,
and I may not give legal advice or accept fees for legal advice.


Visit us online at http://www.PAWnotary.com
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vwarren

Texas
11 Posts

Posted - 12/08/2009 :  07:45:59 AM  Show Profile  Reply with Quote
Thank you for the update. I wonder if encrypting the pdf files will work against hackers? Some SS and TC upload documents to their website which requires a password to access. I imagine when borrower's information is stolen, these companies will better secure the electronic transfer of docs to SAs.
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PWinFL

Florida
469 Posts

Posted - 11/30/2009 :  12:12:49 PM  Show Profile  Visit PWinFL's Homepage  Reply with Quote
"Adobe is attracting the unwanted attention of hackers - and security experts are concerned the company isn't doing enough to repel assaults."

This quote is from an article in the November 30th edition of Business Week. To read the full, and maybe enlightening, article, go to http://tinyurl.com/yktv87c

How this may impact our niche in the mortgage industry is anybody's guess. But we all need to be aware of what's happening in the global technology world, especially with our reliance on Adobe Reader.



Never drive any faster than your guardian angel can fly.

I am not an attorney licensed to practice law in the State of Florida,
and I may not give legal advice or accept fees for legal advice.


Visit us online at http://www.PAWnotary.com
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