Examination of Witnesses (Questions 160
WEDNESDAY 13 DECEMBER 2006
Q160 Lord Young of Graffham:
The only way you can attack it is from the credit card side?
Ms Quinn: Can I just add that one of the things
that happened this year is that the House of Lords changed the
legislation on the Data Protection Act to allow the Child Exploitation
and On-Line Protection Centre to share data with the banking industry
about those people prosecuted for buying illegal images on-line
with their credit or debit cards, so that we can now be passed
information about the credit or debit card used so the banking
industry now knows about it to make sure that card is taken away
from the perpetrator.
Mr Pemble: You will also be aware that there
have been recent changes in American legislation with regard to
on-line gambling. The ban of the acceptance of credit card payments
from American citizens has meant that all of the on-line gaming
facilities, and subsequently the banks that acquire their credit
card transactions from them, have had to change their systems
to comply with US law. So it really is a matter of complying with
the law of the various countries. Individual banks, as opposed
to the card schemes, may very well have an ethics policy which
may be much tougher than the law. To mention a name, the Co-operative
Bank in the UK markets itself as an actively ethical bank so you
would expect their internal rules to be slightly different.
Q161 Earl of Erroll:
It is back to co-operation with law enforcementif something
like the National e-Crime Unit was to re-emerge now that the NHTCU
has been overtaken by SOCA, would you be interested in collating
small-scale incidents and analysing them and giving intelligence
to such a unit?
Mr Whittaker: Very much. We saw the recent announcements
by Commander Sue Wilkinson of the Met, who is the ACPO lead on
eCrime, who was making some very positive suggestions on the need
for a UK national centre of excellence now the NHTCU is no longer
there to co-ordinate activities. We think that is a very worthwhile
and very useful proposition and one which we would support and
contribute to and co-ordinate with.
Mr Pemble: The banks do share intelligence data
with SOCA eCrime and with the SCDEA in Scotland. It is not always
possible for police resource to be put into criminal investigations,
that is a matter for society, but there is no hiding of fraud
to that extent. A lot of information is shared with the police
for them to make use of in intelligence and statistical work as
opposed to specific criminal investigation.
Chairman: On that positive note that
there is some collaboration, let me thank you all very much for
answering all these questions. We have had a lot of questions
and you have answered them clearly and well and we very much appreciate
it. We very much appreciate your time and your coming to talk
to us, so thank you all very much.