The police can't protect consumers. People need to be more aware and educated about identity theft. You need to be a little bit wiser, a little bit smarter and there's nothing wrong with being skeptical. We live in a time when if you make it easy for someone to steal from you, someone will.

Banks are so protected from liability they would have to really do something that was their mistake in order for them to be liable for it. Banks don't look at signatures. They're processing millions of checks and they have very little liability.

I don't use a debit card. The safest thing is a credit card because you're using the bank's money. If someone accesses your information, they are stealing the bank's money, not yours.

Criminals look at identity theft and say only 1 in 700 criminals gets convicted of it. And they look at check forgery and they know that for every 1,400 forgers arrested, only about 123 get convicted and about 26 go to jail. So the rewards are great, but the risks are very slim. So that's one of the reasons that make it very popular.

Every case involving cybercrime that I've been involved in, I've never found a master criminal sitting somewhere in Russia or Hong Kong or Beijing. It always ends up that somebody at the company did something they weren't supposed to do. They read an email, went to a website they weren't supposed to.

I always tell people what I did 50 years ago as a teenager is now 4,000 times easier to do today than when I did it. Technology breeds crime - it always has and it always will. There's always going to be people willing to use technology in a negative, self-serving way. So today it's much easier, whether it's forging checks or getting information. People go on Facebook and tell you what car they drive, their mother's name, where you are going on vacation, where you've been on vacation. There's nothing you can't research in a matter of a couple of minutes and find out about someone.

The front of a cheque alone gives someone enough information to steal your identity.