Given that it feels like everyone and their brother's camel seems to have access and input into our histories and the (just. holy shit.) levels of information these firms have access to and records for regarding just about everything we do with a dollar this is as good a start as any.

Data hoarding industries like these, those that really have too much sway over individuals' well being and access to basic services, needs to be the second most regulated thing on the planet. Or maybe third.