Through DRM technologies, consumers engaging in electronic commerce could grant vendors and suppliers a license to access
and utilize certain aspects of the consumers’ data. This would enable a consumer to grant a read/write license to some creditors,
perhaps as a function of a mortgage agreement, and provide a read-only license to a limited subset of the data for simple
transactions such as shipping agreements and online orders. Such a license would empower consumers to prevent entities from
misusing or reselling consumer information.