I agree that we've been given clear signals that losing consumer data won't result in any negative repercussions for your business from government. Unfortunately none of us are customers of equifax - the companies we share our data with are. And those companies don't care, and include every bank.

For Capital One, or other companies with which we directly do business, I think there's likely to be more direct ramifications - namely people refusing to do business with them. Letting anyone access your customers' data is a good way to lose those customers.