April is Financial Literacy Month. This is the time each year consumers are reminded to reflect on their financial well-being and consider possible changes to their behavior. News headlines are continually filled with reports of financial data breaches. Typically, these invasions of privacy by thieves occur without our knowledge or consent.

Once stolen the names, addresses, social security numbers, and other personal data are sold on the dark web to criminals who ultimately rob us of our identity. Identity theft is defined as the fraudulent acquisition and use of a person's private identifying...