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9
README.md
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@ -1,3 +1,10 @@
# liberethos_paradigm # liberethos_paradigm
Information and tools to facilitate ethical consumption of goods and services. Our mission: supply information and tools to facilitate ethical consumption of goods and services.
The following catalogs include blacklists, whitelists, and graylists of financial institutions:
* [banks in the US](usa_banks.md)
* [brokerages in the US](usa_brokerages.md)
* [insurance companies in the US](usa_insurance_companies.md)

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input_docs/table_legend.md Normal file
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# Why ALEC members are blacklisted
American Legislative Exchange Council ("ALEC") is a right-wing super PAC and bill mill that puts corporate interests above the interest of human beings. ALEC:
* [fights environmental protections](https://www.alecexposed.org/wiki/Environment,_Energy,_and_Agriculture)
* [fights gun control](https://www.alecexposed.org/wiki/Guns,_Prisons,_Crime,_and_Immigration)
* [fights healthcare](https://www.alecexposed.org/wiki/Health,_Pharmaceuticals,_and_Safety_Net_Programs)
* [fights immigration](https://www.alecexposed.org/wiki/Guns,_Prisons,_Crime,_and_Immigration)
* [fights worker's rights](https://www.alecexposed.org/wiki/Worker_Rights_and_Consumer_Rights)
* [fights consumer protections](https://www.alecexposed.org/wiki/Worker_Rights_and_Consumer_Rights)
* [fights public education](https://www.alecexposed.org/wiki/Privatizing_Public_Education,_Higher_Ed_Policy,_and_Teachers)
* fights women's rights
* fights voter rights ([supports voter suppression policy](https://www.alecexposed.org/wiki/Democracy,_Voter_Rights,_and_Federal_Power))
* [finances republicans](https://www.sourcewatch.org/index.php?title=ALEC_Civil_Justice_Task_Force#Politicians)
* supports the NRA
Countless companies were ALEC members historically, but most of them discontinued membership and renounced it likely to avoid boycott.
Companies that continue to renew their ALEC membership are right-wing die-hards unlikely to join team humanity. So they are blacklisted.
The OK hand sign (👌) indicates that the financial institution still today supports the above-mentioned right-wing agenda through ALEC membership.
# Why Tor-hostile FIs are blacklisted
Financial institutions that are aggressively Tor-hostile are automatically blacklisted.
<details>
<summary>Why access to banks, brokerages, and insurance companies over Tor matters</summary>
If Tor were used exclusively for anonymity, it would be useless in the
context of consumers accessing and controlling their financial
accounts. But that's not the case. Tor prevents your ISP from
snooping on where you bank. ISPs collect data on their own customers
and exploit it for profit in the US. Under Obama it became illegal
for an ISP to sell data collected on their customers without express
consent. As if that's not already useless thanks to an abundant supply
of consumers who will agree to anything without reading it, Trump
<a href="https://www.nbcnews.com/news/us-news/trump-signs-measure-let-isps-sell-your-data-without-consent-n742316">reversed</a>
Obama's policy in 2017 to render consumers completely powerless. Tor
is a free tool to protect from excessive disclosure of where your
assets are. Thus when a financial institution blocks Tor, it prevents you
from taking basic self-defense measures. This trend undermines the
supplier-client relationship whereby we expect the supplier to serve
the customer's interest. It's not just anti-privacy, it's
anti-consumer.
Non-Tor users generally reveal their physical location to their bank or insurance company
every time they login. If all banks and insurance companies didn't care where you reside,
this wouldn't be a problem. But some financial institutions care more than others and
beyond reason. Banks typically
[collect your IP address](https://web.archive.org/web/20201024203113/www.decorahbank.com/legal-information/privacy-policy)
and one bank even outright admits in their
[privacy policy](https://web.archive.org/web/20210206141004/https://beneficialstatebank.com/uploads/files/BSB-Consumer-Privacy-Act-CCPA-Privacy-Notice-Current-6.4.2020.pdf#page=2)
that they collect geolocation data from customers' IP addresses. For
nomads/world travelers banks can make their lives hell if their
profile doesn't seem to match up with their lifestyle. Some banks
will close an account if a customer moves out of their service area.
Insurance companies will question whether you're still eligible for
the policy you have, as they may want to raise your premiums or cancel
your policy if they suspect you're not where your policy is written.
If you want to take a job away from home for a year or two, Tor gives
you the necessary privacy to do that free of hassle and nannying.
</details>
<details>
<summary>Why non-Tor users should also boycott Tor adversaries</summary>
Suppose you never leave home, and you're not bothered if your ISP
collects data on where you bank to then sell to data brokers who can
then sell it to debt collectors. If you're ethical nonetheless, then
you still boycott those who marginalize Tor users. These quotes
elaborate on that moral duty:
"*If you are neutral in situations of injustice, you have chosen the
side of the oppressor. If an elephant has its foot on the tail of a
mouse, and you say that you are neutral, the mouse will not appreciate
your neutrality.*" --Desmond Tutu
"*Arguing that you don't care about the right to privacy because you
have nothing to hide is no different than saying you don't care about
free speech because you have nothing to say.*" --Edward Snowden
To expand on Snowden's philosophy, it's extremely selfish to refuse to
defend a right that others need on the basis that you don't personally
need it now or in the future. Moreover, indirect benefits should not
be overlooked. Human rights activists need civil liberties more than
others, but we all need activists to make the world better for
everyone. Moral duties to you derive from that.
Tor is becoming less usable because the growing majority non-Tor users
are patronizing businesses that marginalize Tor users.
"*Under observation, we act less free, which means we effectively are
less free.*" --Edward Snowden
To neglect to use Tor is to subject yourself to unnecessary
observation. In the context of banking and finance, this in turn
reduces your freedom of movement.
</details>
The eye (👁) indicates that account access is restricted and exclusive to non-Tor users,
who must expose their IP address to the FI and who must expose their FI to their ISP.
# Why FIs in CloudFlare's walled-garden are blacklisted
Financial institutions that proxy their services through CloudFlare are
blacklisted automatically for taking a profoundly stupid risk with
consumer's sensitive financial data. CloudFlare holds the SSL keys
for every connection and sees all the traffic including username and
unhashed password. CloudFlare has proven to be untrustworthy with
sensitive information (demonstrated by CloudFlare's doxxing of the
identities of child porn whistle blowers). Apart from the
unacceptably high security risk of having a CloudFlare MitM, there are
countless [ethical problems](rap_sheets/cloudflare.md) with being an
enabler of CloudFlare.
The storm cloud (🌩) indicates that account access is restricted and exclusive per CloudFlare's will and customers who do get access are forced to share sensitive transaction data with CloudFlare, Inc. (a privacy abuser).
# Why CISPA supporters are graylisted
The [Cyber Intelligence Sharing and Protection Act (CISPA)](https://en.wikipedia.org/wiki/Cyber_Intelligence_Sharing_and_Protection_Act)
was a bill to bypass the 4^(th) amendment to promote a system of unwarranted
mass surveillance through information sharing between the government and private sector.
Congress blocked the bill, but it was later reincarnated as CISA and it passed.
Unlike ALEC lobbying, CISPA was a one-off event far in the past, and over 800 companies supported it.
Since it does not necessarily reflect the company's recent stance or influence,
supporters are graylisted instead of blacklisted. They should still be avoided in
favor of a whitelisted competitor, but they are considerably less evil than those that are blacklisted.
The spook (🕵) indicates that the financial institution lobbied for a police surveillance state in favor of CISPA.
# Why FIs that force their staff to take a drug test are graylisted
Drug testing employees is an assault on the privacy and lifestyle of employees and staff outside the workplace.
In most cases involving medicinal marijuana states, the drug test also harms the healthcare of employees by
intervening in doctors' prescriptions. Normally drug testing would justify blacklisting, but the problem is so
widespread nationwide that the whitelist tends to be overly small. Drug testing also does not do significant
harm to consumers, so companies that drug test are graylisted.
The test tube (🧪) indicates that the financial institution abuses their staff through forced drug testing.
# Why Amazon and Google-hosted FIs are graylisted
Amazon is behind [countless evils](rap_sheets/amazon.md). It's paramount to boycott
Amazon for anyone who cares about human rights, privacy, or the
environment. Amazon also has had several data breaches-- Capital One,
Juspay, Swiggy, etc., so it's a bad idea to trust custodians who use
AWS with the security of your money. Google is also evil. Not the degree of evil
that Amazon has achieved, but Google is in the fossil fuel business among
other evils. Google is also a central tech giant which (like Amazon) serves
as a central point of surveillance and also carries the risks of having
a huge number of insiders who can abuse the data. The size of the Amazon and Google
datacenters also makes them a likely target for outside hackers due to the high
rewards of compromise.
Akamai is not known to have a significant history of wrongdoing on the scale of Amazon or Google.
There is cause for concern in terms of security though because it's large enough to serve as a
central monitoring point where breaches and compromise is still considerable.
Akamai-hosted financial institutions are not graylisted for that reason alone.
In the end, you're the judge.
Financial institutions hosted on GAFAM (Google Amazon Facebook Apple Microsoft) are graylisted.
The wrongdoing is indirect and in the end taking a security risk doesn't necessarily lead to a breach.
Of course it's still ethically favorable to choose a whitelisted financial institution if possible.

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tools/gen_fi_table.sh
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#!/bin/bash #!/bin/bash
# lobbying data to incorporate in the future: https://disclosurespreview.house.gov/ # Syntax: gen_fi_table.sh <bank|brokerage|CU|insurer> [text]
#
# Add "text" option to write the tables in simple text and the legend in markdown.
# Without the text option, all output will be fully markdown.
#
# Lobbying data to incorporate in the future: https://disclosurespreview.house.gov/
typeset -r db_file=$(mktemp --dry-run --suffix=.db) typeset -r db_file=$(mktemp --dry-run --suffix=.db)
typeset -A sym=([red_circle]=$'\xF0\x9F\x94\xB4'
[green_circle]=$'\xf0\x9f\x9f\xa2'
[test_tube]=$'\xf0\x9f\xa7\xaa'
[cloud_lightening]=$'\xf0\x9f\x8c\xa9'
[detective]=$'\xf0\x9f\x95\xb5'
[okhand]=$'\xF0\x9F\x91\x8C'
[eye]=$'\xf0\x9f\x91\x81')
#local red_circle='🔴'
#local green_circle='🟢'
#local test_tube='🧪'
#local cloud_lightening='🌩'
#local detective='🕵'
#local okhand='👌'
#local eye='👁'
table_populate() table_populate()
{ {
# fiTbl: "financial institution table" # fiTbl: "financial institution table"
@ -90,6 +111,8 @@ insert into fiTbl (name,url,cflogin,aws,notes) values
("Axos Invest","https://www.axosinvest.com",1,1, ("Axos Invest","https://www.axosinvest.com",1,1,
"Axos Bank is jailed in CloudFlare and Axos Invest will be soon. Investors who get blocked by that will have to pay $5/month for paper statements."); "Axos Bank is jailed in CloudFlare and Axos Invest will be soon. Investors who get blocked by that will have to pay $5/month for paper statements.");
insert into fiTbl (name,url,antitor,notes) values ("IEX","https://iextrading.com/trading",1,"an alternative to conventional stock markets; **Google-Cloud hosted**");
insert into fiTbl (name,url,antitor,notes) values insert into fiTbl (name,url,antitor,notes) values
("Firstrade","https://firstrade.com",1,"whole site is Tor-hostile (468 error)"); ("Firstrade","https://firstrade.com",1,"whole site is Tor-hostile (468 error)");
@ -145,7 +168,7 @@ insert into fiTbl (fi_kind,name,url,hrecaptcha,cflogin,notes) values ("insur
insert into fiTbl (fi_kind,name,url,cispa,dt,notes) values ("insurer","Ameriprise Financial","https://www.ameriprise.com",1,1,"akamai hosted"); insert into fiTbl (fi_kind,name,url,cispa,dt,notes) values ("insurer","Ameriprise Financial","https://www.ameriprise.com",1,1,"akamai hosted");
insert into fiTbl (fi_kind,name,url,antitor) values ("insurer","Amica","https://www.amica.com",1); insert into fiTbl (fi_kind,name,url,antitor) values ("insurer","Amica","https://www.amica.com",1);
insert into fiTbl (fi_kind,name,parent,notes) values ("insurer","American Strategic Insurance (ASI)","Progressive","no website, only an access-restricted MS LinkedIn page"); insert into fiTbl (fi_kind,name,parent,notes) values ("insurer","American Strategic Insurance (ASI)","Progressive","no website, only an access-restricted MS LinkedIn page");
insert into fiTbl (fi_kind,name,url,dt,notes) values ("insurer","Berkshire Hathaway","https://berkshirehathaway.com",1,"Berkshire Hathaway is not directly an ALEC member, but BH wholly owns ALEC members (e.g. Geico and Fruit of the Loom"); insert into fiTbl (fi_kind,name,url,dt,notes) values ("insurer","Berkshire Hathaway","https://berkshirehathaway.com",1,"Berkshire Hathaway is not directly an ALEC member, but BH wholly owns ALEC members (e.g. Geico and Fruit of the Loom)");
insert into fiTbl (fi_kind,name,url,hrecaptcha,cflogin,cispa) values ("insurer","Brown & Brown Insurance","https://bbinsurance.com",'unavoidable',1,1); insert into fiTbl (fi_kind,name,url,hrecaptcha,cflogin,cispa) values ("insurer","Brown & Brown Insurance","https://bbinsurance.com",'unavoidable',1,1);
insert into fiTbl (fi_kind,name,url,notes) values ("insurer","CUNA Mutual","https://www.cunamutual.com","Feeds LMG through TruStage."); insert into fiTbl (fi_kind,name,url,notes) values ("insurer","CUNA Mutual","https://www.cunamutual.com","Feeds LMG through TruStage.");
insert into fiTbl (fi_kind,name,url) values ("insurer","Erie","https://www.erieinsurance.com"); insert into fiTbl (fi_kind,name,url) values ("insurer","Erie","https://www.erieinsurance.com");
@ -201,242 +224,96 @@ update fiTbl set notes = '**forced h/reCAPTCHA**'||case when notes is null then
EOF EOF
};#table_populate };#table_populate
gen_md() table_text()
{ {
local fi_kind=$1 local fi_kind=$1
#local red_circle='🔴'
local red_circle=$'\xF0\x9F\x94\xB4' # .ft B (bold font)
#local green_circle='🟢' # .ft I (italics font)
local green_circle=$'\xf0\x9f\x9f\xa2' # .ft P (previous font)
#local test_tube='🧪' # .ll 6i (6 inch width)
local test_tube=$'\xf0\x9f\xa7\xaa'
#local cloud_lightening='🌩' for lst in white gray black
local cloud_lightening=$'\xf0\x9f\x8c\xa9' do
#local detective='🕵' if [[ "$lst" == black ]]
local detective=$'\xf0\x9f\x95\xb5' then
#local okhand='👌' url_clause="''"
local okhand=$'\xF0\x9F\x91\x8C' else
#👁 url_clause="case when url like '_%' then char(10)||'('||replace(url,'https://','')||')||||||' else '' end"
local eye=$'\xf0\x9f\x91\x81' fi
printf %s "# ${lst^}"'list
printf '\n%s\n' '# Whitelist'
printf %s '| *'"$fi_kind"'* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* | .TS
|---|---|---|---|---|---|---| box tab(|);
c|c|c|c|c|c|c.
.ft BI
'"$fi_kind"' | ALEC | Tor- | sensitive info | supported | forced drug | notes
| member | hostile | exposed to | CISPA | testing of |
| | | CloudFlare | | staff |
.ft P
.T&
l|l|l|l|l|l|lp40.
' '
sqlite3 "${db_file}" "select case when url like '_%' then '|['||name||']('||url||')' else '|'||name end, sqlite3 "${db_file}" "select substr(name,1,(select max(length(url)) from fiTbl where fi_kind = '$fi_kind')),
case when alec then '$okhand' else 'n' end, case when alec then 'y' else 'n' end,
case when antitor then '$eye' else 'n' end, case when antitor then 'y' else 'n' end,
case when cflogin then 'y' else 'n' end, case when cflogin then 'y' else 'n' end,
case when cispa then 'y' else 'n' end, case when cispa then 'y' else 'n' end,
case when dt then 'y' else 'n' end, case when dt then 'y' else 'n' end,
case when notes is null then '|' else notes||'|' end case when notes is null then '' else 'T{
from fiTbl where fi_kind = '$fi_kind' and lst_kind = 'white' .ll 6i
'|| replace(replace(notes,'[',''),']',' ') ||'
T}' end||
$url_clause
from fiTbl where fi_kind = '$fi_kind' and lst_kind = '$lst'
order by name collate nocase;" order by name collate nocase;"
printf '\n%s\n' '# Graylist' printf %s '.TE
printf %s '| *'"$fi_kind"'* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
'
done
}; #table_text
table_md()
{
local fi_kind=$1
for lst in white gray black
do
if [[ "$lst" == black ]]
then
name_clause="'|'||name"
else
name_clause="case when url like '_%' then '|['||name||']('||url||')' else '|'||name end"
fi
printf %s "# ${lst^}"'list
| *'"$fi_kind"'* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
|---|---|---|---|---|---|---| |---|---|---|---|---|---|---|
' '
sqlite3 "${db_file}" "select case when url like '_%' then '|['||name||']('||url||')' else '|'||name end, sqlite3 "${db_file}" "select $name_clause,
case when alec then '$okhand' else 'n' end, case when alec then '${sym[okhand]}' else 'n' end,
case when antitor then '$eye' else 'n' end, case when antitor then '${sym[eye]}' else 'n' end,
case when cflogin then 'y' else 'n' end, case when cflogin then '${sym[cloud_lightening]}' else 'n' end,
case when cispa then '$detective' else 'n' end, case when cispa then '${sym[detective]}' else 'n' end,
case when dt then '$test_tube' else 'n' end, case when dt then '${sym[test_tube]}' else 'n' end,
case when notes is null then '|' else notes||'|' end case when notes is null then '|' else notes||'|' end
from fiTbl where fi_kind = '$fi_kind' and lst_kind = 'gray' from fiTbl where fi_kind = '$fi_kind' and lst_kind = '$lst'
order by name collate nocase;" order by name collate nocase;"
printf $'\n'
printf '\n%s\n' '# Blacklist' done
printf %s '| *'"$fi_kind"'* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* | };#table_md
|---|---|---|---|---|---|---|
'
sqlite3 "${db_file}" "select '|'||name,
case when alec then '$okhand' else 'n' end,
case when antitor then '$eye' else 'n' end,
case when cflogin then '$cloud_lightening' else 'n' end,
case when cispa then '$detective' else 'n' end,
case when dt then '$test_tube' else 'n' end,
case when notes is null then '|' else notes||'|' end
from fiTbl where fi_kind = '$fi_kind' and lst_kind = 'black'
order by name collate nocase;"
cat <<'EOF'
# Why ALEC members are blacklisted
American Legislative Exchange Council ("ALEC") is a right-wing super PAC and bill mill that puts corporate interests above the interest of human beings. ALEC:
* [fights environmental protections](https://www.alecexposed.org/wiki/Environment,_Energy,_and_Agriculture)
* [fights gun control](https://www.alecexposed.org/wiki/Guns,_Prisons,_Crime,_and_Immigration)
* [fights healthcare](https://www.alecexposed.org/wiki/Health,_Pharmaceuticals,_and_Safety_Net_Programs)
* [fights immigration](https://www.alecexposed.org/wiki/Guns,_Prisons,_Crime,_and_Immigration)
* [fights worker's rights](https://www.alecexposed.org/wiki/Worker_Rights_and_Consumer_Rights)
* [fights consumer protections](https://www.alecexposed.org/wiki/Worker_Rights_and_Consumer_Rights)
* [fights public education](https://www.alecexposed.org/wiki/Privatizing_Public_Education,_Higher_Ed_Policy,_and_Teachers)
* fights womens rights
* fights voter rights ([supports voter suppression policy](https://www.alecexposed.org/wiki/Democracy,_Voter_Rights,_and_Federal_Power))
* [finances republicans](https://www.sourcewatch.org/index.php?title=ALEC_Civil_Justice_Task_Force#Politicians)
* supports the NRA
Countless companies were ALEC members historically, but most of them discontinued membership and renounced it likely to avoid boycott.
Companies that continue to renew their ALEC membership are right-wing die-hards unlikely to join team humanity. So they are blacklisted.
EOF
cat <<EOF
The OK hand sign ($okhand) indicates that the financial institution still today supports the above-mentioned right-wing agenda through ALEC membership.
EOF
cat <<'EOF'
# Why Tor-hostile FIs are blacklisted
Financial institutions that are aggressively Tor-hostile are automatically blacklisted.
<details>
<summary>Why access to banks, brokerages, and insurance companies over Tor matters</summary>
If Tor were used exclusively for anonymity, it would be useless in the
context of consumers accessing and controlling their financial
accounts. But that's not the case. Tor prevents your ISP from
snooping on where you bank. ISPs collect data on their own customers
and exploit it for profit in the US. Under Obama it became illegal
for an ISP to sell data collected on their customers without express
consent. As if that's not already useless thanks to an abundant supply
of consumers who will agree to anything without reading it, Trump
<a href="https://www.nbcnews.com/news/us-news/trump-signs-measure-let-isps-sell-your-data-without-consent-n742316">reversed</a>
Obama's policy in 2017 to render consumers completely powerless. Tor
is a free tool to protect from excessive disclosure of where your
assets are. Thus when a financial institution blocks Tor, it prevents you
from taking basic self-defense measures. This trend undermines the
supplier-client relationship whereby we expect the supplier to serve
the customer's interest. It's not just anti-privacy, it's
anti-consumer.
Non-Tor users generally reveal their physical location to their bank or insurance company
every time they login. If all banks and insurance companies didn't care where you reside,
this wouldn't be a problem. But some financial institutions care more than others and
beyond reason. Banks typically
[collect your IP address](https://web.archive.org/web/20201024203113/www.decorahbank.com/legal-information/privacy-policy)
and one bank even outright admits in their
[privacy policy](https://web.archive.org/web/20210206141004/https://beneficialstatebank.com/uploads/files/BSB-Consumer-Privacy-Act-CCPA-Privacy-Notice-Current-6.4.2020.pdf#page=2)
that they collect geolocation data from customers' IP addresses. For
nomads/world travelers banks can make their lives hell if their
profile doesn't seem to match up with their lifestyle. Some banks
will close an account if a customer moves out of their service area.
Insurance companies will question whether you're still eligible for
the policy you have, as they may want to raise your premiums or cancel
your policy if they suspect you're not where your policy is written.
If you want to take a job away from home for a year or two, Tor gives
you the necessary privacy to do that free of hassle and nannying.
</details>
<details>
<summary>Why non-Tor users should also boycott Tor adversaries</summary>
Suppose you never leave home, and you're not bothered if your ISP
collects data on where you bank to then sell to data brokers who can
then sell it to debt collectors. If you're ethical nonetheless, then
you still boycott those who marginalize Tor users. These quotes
elaborate on that moral duty:
"*If you are neutral in situations of injustice, you have chosen the
side of the oppressor. If an elephant has its foot on the tail of a
mouse, and you say that you are neutral, the mouse will not appreciate
your neutrality.*" --Desmond Tutu
"*Arguing that you don't care about the right to privacy because you
have nothing to hide is no different than saying you don't care about
free speech because you have nothing to say.*" --Edward Snowden
To expand on Snowden's philosophy, it's extremely selfish to refuse to
defend a right that others need on the basis that you don't personally
need it now or in the future. Moreover, indirect benefits should not
be overlooked. Human rights activists need civil liberties more than
others, but we all need activists to make the world better for
everyone. Moral duties to you derive from that.
Tor is becoming less usable because the growing majority non-Tor users
are patronizing businesses that marginalize Tor users.
"*Under observation, we act less free, which means we effectively are
less free.*" --Edward Snowden
To neglect to use Tor is to subject yourself to unnecessary
observation. In the context of banking and finance, this in turn
reduces your freedom of movement.
</details>
EOF
cat <<EOF
The eye ($eye) indicates that account access is resticted and exclusive to non-Tor users,
who must expose their IP address to the FI and who must expose their FI to their ISP.
EOF
cat <<'EOF'
# Why FIs in CloudFlare's walled-garden are blacklisted
Financial institutions that proxy their services through CloudFlare are
blacklisted automatically for taking a profoundly stupid risk with
consumer's sensitive financial data. CloudFlare holds the SSL keys
for every connection and sees all the traffic including username and
unhashed password. CloudFlare has proven to be untrustworthy with
sensitive information (demonstrated by CloudFlare's doxxing of the
identities of child porn whistle blowers). Apart from the
unacceptably high security risk of having a CloudFlare MitM, there are
countless [ethical problems](rap_sheets/cloudflare.md) with being an
enabler of CloudFlare.
EOF
cat <<EOF
The storm cloud ($cloud_lightening) indicates that account access is resticted and exclusive per CloudFlare's will and customers who do get access are forced to share sensitive transaction data with CloudFlare, Inc. (a privacy abuser).
EOF
cat <<'EOF'
# Why CISPA supporters are graylisted
The [Cyber Intelligence Sharing and Protection Act (CISPA)](https://en.wikipedia.org/wiki/Cyber_Intelligence_Sharing_and_Protection_Act)
was a bill to bypass the 4th amendment to promote a system of unwarranted
mass surveillance through information sharing between the government and private sector.
Congress blocked the bill, but it was later reincarnated as CISA and it passed.
Unlike ALEC lobbying, CISPA was a one-off event far in the past, and over 800 companies supported it.
Since it does not necessarily reflect the company's recent stance or influence,
supporters are graylisted instead of blacklisted. They should still be avoided in
favor of a whitelisted competitor, but they are considerably less evil than those that are blacklisted.
The spook (🕵) indicates that the financial institution lobbied for a police surveillance state in favor of CISPA.
# Why FIs that force their staff to take a drug test are graylisted
Drug testing employees is an assault on the privacy and lifestyle of employees and staff outside the workplace.
In most cases involving medicinal marijuana states, the drug test also harms the healthcare of employees by
intervening in doctors' prescriptions. Normally drug testing would justify blacklisting, but the problem is so
widespread nationwide that the whitelist tends to be overly small. Drug testing also does not do significant
harm to consumers, so companies that drug test are graylisted.
The test tube (🧪) indicates that the financial institution abuses their staff through forced drug testing.
# Why Amazon and Google-hosted FIs are graylisted
Amazon is behind [countless evils](rap_sheets/amazon.md). It's paramount to boycott
Amazon for anyone who cares about human rights, privacy, or the
environment. Amazon also has had several data breaches-- Capital One,
Juspay, Swiggy, etc., so it's a bad idea to trust custodians who use
AWS with the security of your money. Google is also evil. Not the degree of evil
that Amazon has achieved, but Google is in the fossil fuel business among
other evils. Google is also a central tech giant which (like Amazon) serves
as a central point of surveillance and also carries the risks of having
a huge number of insiders who can abuse the data. The size of the Amazon and Google
datacenters also makes them a likely target for outside hackers due to the high
rewards of compromise.
Akamai is not known to have a significant history of wrongdoing on the scale of Amazon or Google.
There is cause for concern in terms of security though because it's large enough to serve as a
central monitoring point where breaches and compromise is still considerable.
Akamai-hosted financial institutions are not graylisted for that reason alone.
In the end, you're the judge.
Financial institutions hosted on GAFAM (Google Amazon Facebook Apple Microsoft) are graylisted.
The wrongdoing is indirect and in the end taking a security risk doesn't necessarily lead to a breach.
Of course it's still ethically favorable to choose a whitelisted financial institution if possible.
EOF
};#gen_md
table_populate table_populate
gen_md "${1,,}"; # the CLI arg must be one of: 'bank', 'brokerage', 'CU', or 'insurer' case "$2" in
txt|text)
table_text "${1,,}" | tbl | nroff -Tascii | uniq
;;
*)
table_md "${1,,}"; # the CLI arg must be one of: 'bank', 'brokerage', 'CU', or 'insurer'
;;
esac
cat input_docs/table_legend.md

18
usa_insurance_companies.md
View File

@ -1,5 +1,5 @@
# Whitelist # Whitelist
| *insurer* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* | | *insurer* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
|---|---|---|---|---|---|---| |---|---|---|---|---|---|---|
|[American Family Insurance](https://www.amfam.com)|n|n|n|n|n|| |[American Family Insurance](https://www.amfam.com)|n|n|n|n|n||
@ -8,11 +8,12 @@
|[The General](https://thegeneral.com)|n|n|n|n|n|parent: American Family Insurance; only writes auto policies; certified as [Great Place to Work](https://www.greatplacetowork.com/certified-company/7003720)| |[The General](https://thegeneral.com)|n|n|n|n|n|parent: American Family Insurance; only writes auto policies; certified as [Great Place to Work](https://www.greatplacetowork.com/certified-company/7003720)|
# Graylist # Graylist
| *insurer* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* | | *insurer* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
|---|---|---|---|---|---|---| |---|---|---|---|---|---|---|
|[Allianz](https://allianz.com)|n|n|n|🕵|🧪|**Amazon AWS-hosted**| |[Allianz](https://allianz.com)|n|n|n|🕵|🧪|**Amazon AWS-hosted**|
|[Ameriprise Financial](https://www.ameriprise.com)|n|n|n|🕵|🧪|akamai hosted| |[Ameriprise Financial](https://www.ameriprise.com)|n|n|n|🕵|🧪|akamai hosted|
|[Berkshire Hathaway](https://berkshirehathaway.com)|n|n|n|n|🧪|Berkshire Hathaway is not directly an ALEC member, but BH wholly owns ALEC members (e.g. Geico and Fruit of the Loom| |[Berkshire Hathaway](https://berkshirehathaway.com)|n|n|n|n|🧪|Berkshire Hathaway is not directly an ALEC member, but BH wholly owns ALEC members (e.g. Geico and Fruit of the Loom)|
|[Gen Re](https://www.genre.com)|n|n|n|n|n|parent: Berkshire Hathaway; akamai hosted, but transactional site www.genre-connect.com is not. The documentation ("Knowledge" link) is CloudFlared.| |[Gen Re](https://www.genre.com)|n|n|n|n|n|parent: Berkshire Hathaway; akamai hosted, but transactional site www.genre-connect.com is not. The documentation ("Knowledge" link) is CloudFlared.|
|[Grange Mutual](https://www.grangeinsurance.com)|n|n|n|n|🧪|| |[Grange Mutual](https://www.grangeinsurance.com)|n|n|n|n|🧪||
|[Homesite Insurance Group (aka Midvale Home & Auto)](https://go.midvaleinsurance.com)|n|n|n|n|n|affiliated with American Family Insurance; landing page is Fastly-hosted; quoting page is AWS-hosted & Tor-hostile; login page has no issues| |[Homesite Insurance Group (aka Midvale Home & Auto)](https://go.midvaleinsurance.com)|n|n|n|n|n|affiliated with American Family Insurance; landing page is Fastly-hosted; quoting page is AWS-hosted & Tor-hostile; login page has no issues|
@ -24,6 +25,7 @@
|[Stewart Information Services Corporation](https://www.stewart.com/en.html)|n|n|n|n|🧪|**Amazon AWS-hosted**| |[Stewart Information Services Corporation](https://www.stewart.com/en.html)|n|n|n|n|🧪|**Amazon AWS-hosted**|
# Blacklist # Blacklist
| *insurer* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* | | *insurer* | *ALEC member* | *Tor-hostile* | *sensitive info exposed to CloudFlare* | *supported CISPA* | *forced drug testing of staff* | *notes* |
|---|---|---|---|---|---|---| |---|---|---|---|---|---|---|
|21st Century|n|n|n|n|n|parent: Farmers| |21st Century|n|n|n|n|n|parent: Farmers|
@ -58,6 +60,7 @@
|TruStage|n|n|n|n|n|parent: CUNA Mutual; home and auto policies underwritten by Liberty Mutual (LMG)| |TruStage|n|n|n|n|n|parent: CUNA Mutual; home and auto policies underwritten by Liberty Mutual (LMG)|
|USAA|n|👁|n|🕵|🧪|sponsors Fox News| |USAA|n|👁|n|🕵|🧪|sponsors Fox News|
|Western Mutual|n|n|🌩|n|n|**forced h/reCAPTCHA**| |Western Mutual|n|n|🌩|n|n|**forced h/reCAPTCHA**|
# Why ALEC members are blacklisted # Why ALEC members are blacklisted
American Legislative Exchange Council ("ALEC") is a right-wing super PAC and bill mill that puts corporate interests above the interest of human beings. ALEC: American Legislative Exchange Council ("ALEC") is a right-wing super PAC and bill mill that puts corporate interests above the interest of human beings. ALEC:
@ -69,7 +72,7 @@ American Legislative Exchange Council ("ALEC") is a right-wing super PAC and bil
* [fights worker's rights](https://www.alecexposed.org/wiki/Worker_Rights_and_Consumer_Rights) * [fights worker's rights](https://www.alecexposed.org/wiki/Worker_Rights_and_Consumer_Rights)
* [fights consumer protections](https://www.alecexposed.org/wiki/Worker_Rights_and_Consumer_Rights) * [fights consumer protections](https://www.alecexposed.org/wiki/Worker_Rights_and_Consumer_Rights)
* [fights public education](https://www.alecexposed.org/wiki/Privatizing_Public_Education,_Higher_Ed_Policy,_and_Teachers) * [fights public education](https://www.alecexposed.org/wiki/Privatizing_Public_Education,_Higher_Ed_Policy,_and_Teachers)
* fights womens rights * fights women's rights
* fights voter rights ([supports voter suppression policy](https://www.alecexposed.org/wiki/Democracy,_Voter_Rights,_and_Federal_Power)) * fights voter rights ([supports voter suppression policy](https://www.alecexposed.org/wiki/Democracy,_Voter_Rights,_and_Federal_Power))
* [finances republicans](https://www.sourcewatch.org/index.php?title=ALEC_Civil_Justice_Task_Force#Politicians) * [finances republicans](https://www.sourcewatch.org/index.php?title=ALEC_Civil_Justice_Task_Force#Politicians)
* supports the NRA * supports the NRA
@ -78,6 +81,7 @@ Countless companies were ALEC members historically, but most of them discontinue
Companies that continue to renew their ALEC membership are right-wing die-hards unlikely to join team humanity. So they are blacklisted. Companies that continue to renew their ALEC membership are right-wing die-hards unlikely to join team humanity. So they are blacklisted.
The OK hand sign (👌) indicates that the financial institution still today supports the above-mentioned right-wing agenda through ALEC membership. The OK hand sign (👌) indicates that the financial institution still today supports the above-mentioned right-wing agenda through ALEC membership.
# Why Tor-hostile FIs are blacklisted # Why Tor-hostile FIs are blacklisted
Financial institutions that are aggressively Tor-hostile are automatically blacklisted. Financial institutions that are aggressively Tor-hostile are automatically blacklisted.
@ -99,7 +103,7 @@ assets are. Thus when a financial institution blocks Tor, it prevents you
from taking basic self-defense measures. This trend undermines the from taking basic self-defense measures. This trend undermines the
supplier-client relationship whereby we expect the supplier to serve supplier-client relationship whereby we expect the supplier to serve
the customer's interest. It's not just anti-privacy, it's the customer's interest. It's not just anti-privacy, it's
anti-consumer. anti-consumer.
Non-Tor users generally reveal their physical location to their bank or insurance company Non-Tor users generally reveal their physical location to their bank or insurance company
every time they login. If all banks and insurance companies didn't care where you reside, every time they login. If all banks and insurance companies didn't care where you reside,
@ -154,7 +158,7 @@ observation. In the context of banking and finance, this in turn
reduces your freedom of movement. reduces your freedom of movement.
</details> </details>
The eye (👁) indicates that account access is resticted and exclusive to non-Tor users, The eye (👁) indicates that account access is restricted and exclusive to non-Tor users,
who must expose their IP address to the FI and who must expose their FI to their ISP. who must expose their IP address to the FI and who must expose their FI to their ISP.
# Why FIs in CloudFlare's walled-garden are blacklisted # Why FIs in CloudFlare's walled-garden are blacklisted
@ -170,12 +174,12 @@ unacceptably high security risk of having a CloudFlare MitM, there are
countless [ethical problems](rap_sheets/cloudflare.md) with being an countless [ethical problems](rap_sheets/cloudflare.md) with being an
enabler of CloudFlare. enabler of CloudFlare.
The storm cloud (🌩) indicates that account access is resticted and exclusive per CloudFlare's will and customers who do get access are forced to share sensitive transaction data with CloudFlare, Inc. (a privacy abuser). The storm cloud (🌩) indicates that account access is restricted and exclusive per CloudFlare's will and customers who do get access are forced to share sensitive transaction data with CloudFlare, Inc. (a privacy abuser).
# Why CISPA supporters are graylisted # Why CISPA supporters are graylisted
The [Cyber Intelligence Sharing and Protection Act (CISPA)](https://en.wikipedia.org/wiki/Cyber_Intelligence_Sharing_and_Protection_Act) The [Cyber Intelligence Sharing and Protection Act (CISPA)](https://en.wikipedia.org/wiki/Cyber_Intelligence_Sharing_and_Protection_Act)
was a bill to bypass the 4th amendment to promote a system of unwarranted was a bill to bypass the 4^(th) amendment to promote a system of unwarranted
mass surveillance through information sharing between the government and private sector. mass surveillance through information sharing between the government and private sector.
Congress blocked the bill, but it was later reincarnated as CISA and it passed. Congress blocked the bill, but it was later reincarnated as CISA and it passed.
Unlike ALEC lobbying, CISPA was a one-off event far in the past, and over 800 companies supported it. Unlike ALEC lobbying, CISPA was a one-off event far in the past, and over 800 companies supported it.