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Turning 65? Month-by-month plan to protect yourself

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Turning 65? Month-by-month plan to protect yourself

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You have not turned 65 yet. But somewhere, your birthday may already be flagged in a database. That milestone is tied to Medicare eligibility, Social Security decisions and major financial choices.

It can also put your name in front of insurance marketers, Medicare agents, lead generators and scammers around the same time.

Here is the part many people miss: turning 65 can become a targeting event. Your age, address, phone number, relatives’ names and other personal details may already be sitting on people-search sites and data broker lists.

Once you get close to Medicare age, those details can become more valuable. That is why it helps to prepare before the calls, texts, letters and emails start piling up.

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REMOVE YOUR DATA TO PROTECT YOUR RETIREMENT FROM SCAMMERS

Data broker profiles may expose personal details such as age, address, phone number and relatives’ names before Medicare eligibility begins. (Getty)

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Why turning 65 can put you on marketing lists

Data brokers collect and package personal information. They build basic profiles, and they can also create age-based lists tied to major life events. Turning 65 is a valuable trigger because Medicare enrollment, supplemental insurance decisions and Social Security timing all happen in a narrow window.

That narrow window creates demand from insurers, agents, lead generators and criminals looking for people who may be making big decisions. Legal marketing drives part of this activity. Aggressive sales tactics drive another part. Fraud drives the most dangerous part. The same information that helps send Medicare mailers to your mailbox can also help scammers sound more convincing when they call, text or email.

How data brokers turn your birthday into a business

Data brokers don’t just collect static information. They build age-triggered profiles, records that are specifically flagged and resold when a person approaches a major life milestone. Turning 65 is one of the most commercially valuable triggers in their entire database.

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Why? Because Medicare enrollment, supplemental insurance decisions, and Social Security timing all happen in a narrow window. That creates enormous demand, from legitimate insurers, from aggressive lead generators, and from outright criminals, for a list of people who are about to become eligible. These lists are legal to compile. They’re legal to sell. And the same data that sends a flood of Medicare mailers to your mailbox is the same data that lands your name and phone number on a scammer’s calling sheet.

In fact, in 2024, the Centers for Medicare and Medicaid Services (CMS) took action on more than 73,000 unauthorized Medicare plan switches, cases where agents or bad actors enrolled people in plans they never agreed to, often without their knowledge. CMS has directly linked this surge of unauthorized activity to the aggressive use of lead generation databases and third-party data brokers feeding agent networks with pre-qualified prospect lists. That’s more than 73,000 people who woke up to find their Medicare coverage had been changed, and they never made a single call. And that’s before counting the impersonators.

The Social Security Administration reports that SSA impersonation scams are among the most reported fraud types in the United States, with losses in the hundreds of millions each year. The FTC logged over $76 million in losses from government impersonation scams in 2023 alone, a number that consistently spikes around Medicare enrollment season. Turning 65 doesn’t just open a door for you. It opens one for them, too.

The month-by-month countdown and what to do at each milestone

The good news: there’s a window. You don’t have to wait until the scam calls, texts or emails start arriving. Here’s exactly what to do, and when.

6 months out: Scrub your information before the targeting begins

This is your most important window, and most people miss it entirely. Six months before your 65th birthday, the data broker flags around your profile are already active. Marketing lists are being compiled. Lead generators are packaging your details. The calls haven’t started yet, but the infrastructure is being built.

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Action 1: Search your own name right now

Go to Spokeo, Whitepages or BeenVerified and look up what a stranger sees when they search for you. Your age, address history, relatives’ names, phone numbers and property records are likely all there. That snapshot is what insurance agents and scammers are working from. If you’re interested in checking your exposure, some data removal services provide a free report on where your data is exposed and give results within an hour.

Action 2: Start removing your data from broker databases

Manually opting out of each data broker is possible, but it can take a lot of time. There are hundreds of these sites, and each one has its own removal process. Even after you opt out, your information can reappear later.

Start with the people-search sites that show the most personal details about you, such as your age, current address, past addresses, phone numbers and relatives’ names. Then request removal directly through each site’s opt-out page. You can also use a reputable data removal service to help automate the process. These services submit removal requests to many data brokers on your behalf and continue checking whether your information shows up again.

This step matters because scammers often use exposed personal details to sound more believable. If they know your age, address, family connections or past places you lived, a fake Medicare or Social Security message can feel much more convincing.

Getting ahead of this six months out can make the difference between a manageable trickle of calls, texts and emails and being overwhelmed at the worst possible moment.

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Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting CyberGuy.com.

Action 3: Tell your family what’s coming

Let your spouse, adult children or close relatives know that your enrollment window is approaching and that scammers know it too. Establish a simple rule now: any unexpected call, text or email about Medicare, Social Security or benefits gets verified before any action is taken. No exceptions.

SCAMS THAT AREN’T ILLEGAL (BUT SHOULD BE)

Turning 65 can put consumers on marketing lists used by Medicare agents, lead generators and scammers. (Kurt “CyberGuy” Knutsson)

3 months out: Lock down your accounts before the volume spikes

By now, the calls have likely started. That’s normal and expected. What matters is what you do before the fraudulent ones arrive.

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Action 1: Contact Medicare directly to initiate enrollment, and only Medicare directly

You can enroll online at Medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227).

This sounds obvious. But this is exactly the moment when impersonators pose as Medicare representatives offering to “help you enroll.” The real Medicare program will never call you unsolicited, ask for payment over the phone, or pressure you to decide immediately. If anyone does, hang up.

Action 2: Change your security questions at your bank and financial institutions

This is urgent and almost always overlooked.

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Data broker profiles routinely include your mother’s maiden name, previous addresses, city of birth, and other details that financial institutions still use as identity verification. A scammer with your broker profile can often answer these questions cold, without ever hacking a single account.

Call your bank, brokerage, and insurance providers. Switch to nonsense answers that only you know (“What was your childhood pet’s name?” “RedTruckSeven”). Store them in a password manager. This one step can prevent account takeovers that your password alone can’t stop.

Action 3: Place a credit freeze with all three bureaus

Equifax, Experian, and TransUnion all allow free credit freezes. A freeze doesn’t affect your score or any existing accounts; it simply prevents new lines of credit from being opened in your name without your direct authorization.

Medicare enrollment season is prime time for identity theft tied to new account fraud. Freeze first. Unfreeze only when you need to.

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1 month out: Get your Medicare card — and protect it like a Social Security number

This is crunch time. Decisions are being made, paperwork is arriving, and the volume of contact, both legitimate and fraudulent, is at its peak.

Action 1: Confirm your Medicare card arrival and treat it like classified information

Your Medicare card arrives by mail and carries your Medicare Beneficiary Identifier (MBI), a unique number that functions, for medical purposes, like a Social Security number. In the wrong hands, it can be used to bill Medicare for services you never received. Do not carry the physical card in your wallet. Take a photo of it, store it securely, and give the number only to verified providers. Medicare fraud through stolen or misused MBI numbers costs the program an estimated $60 billion per year.

Action 2: Verify every agent before sharing any information

If someone contacts you claiming to be a Medicare advisor, insurance broker, or benefits specialist, verify them independently before saying anything. Ask for their National Producer Number (NPN). Every licensed insurance agent in the United States is required to have one. Look it up yourself at nipr.com before continuing the conversation. Agents involved in the more than 73,000 unauthorized plan switches often relied on people not knowing this check existed.

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Action 3: Confirm your Social Security status directly with the SSA

Log in or create an account at ssa.gov. Confirm your benefit amounts, confirm your contact information on file, and make sure no changes have been made without your knowledge. SSA impersonators frequently call during this window, claiming there’s a problem with your record, creating false urgency to get your Social Security number or bank account information. If you receive one of these calls, hang up. Call SSA directly at 1-800-772-1213. The real SSA will never threaten arrest, demand gift cards, or require immediate payment.

HOW TO HAND OFF DATA PRIVACY RESPONSIBILITIES FOR OLDER ADULTS TO A TRUSTED LOVED ONE

Older adults nearing Medicare eligibility can reduce scam risk by removing personal data, freezing credit and verifying all benefit-related contacts. (Kurt “CyberGuy” Knutsson)

The week of: One final sweep before your coverage goes live

Your birthday week is the finish line, but it’s also when the most aggressive targeting happens, because time pressure creates vulnerability.

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Action 1: Confirm your plan enrollment directly through Medicare.gov

Log in to your Medicare account and verify exactly what you’re enrolled in. Check that your plan name, coverage type, and effective date are what you chose. If anything looks wrong, an unfamiliar plan name, a plan you don’t recognize, call 1-800-MEDICARE immediately and report it. This is how you catch an unauthorized switch before it affects your coverage.

Action 2: Run one final data broker check

A lot can change in six months. Search your name again on people-search sites and verify what’s still publicly visible. If Incogni has been running in the background, you should see a meaningful reduction in what appears. If new information has surfaced, a recent address, a new phone number, flag it for removal.

Action 3: Set up a call screening system going forward

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The targeting doesn’t stop after your birthday. Medicare open enrollment runs from Oct. 15 through Dec. 7 every year, and scam activity spikes again each fall. Turn on your phone’s built-in spam call filtering, register your number with the National Do Not Call Registry at donotcall.gov, and consider using your carrier’s call protection service (most offer one for free). These won’t stop every call, but they’ll reduce the noise significantly.

Kurt’s key takeaways

Your 65th birthday can put your name on lists used by marketers, agents, lead generators and scammers. Medicare scams can become especially dangerous because the timing feels real. You are already expecting mail, calls and decisions, which gives criminals an opening. Start early. Six months out, look for your personal information online and begin removing it. Three months out, lock down your financial accounts and freeze your credit. One month out, protect your Medicare card and verify any agent before sharing information. During your birthday week, check your Medicare enrollment directly and set up call screening for the months ahead. The people targeting you are counting on confusion. A clear month-by-month plan gives you control before someone tries to take it from you.

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If companies can profit from knowing when you turn 65, should they also be responsible when that data helps scammers target you? Let us know by writing to us at CyberGuy.com.

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NASA launched an emergency mission to stop the Swift Observatory from crashing to Earth

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NASA launched an emergency mission to stop the Swift Observatory from crashing to Earth

The Swift Observatory was launched in 2004, but recent solar storms have pushed its orbit lower, and it’s in danger of burning up in Earth’s atmosphere as soon as this year. To try and stave off its demise, NASA has enlisted Katalyst Space Technologies. The company’s Link spacecraft launched Friday with the goal of intercepting Swift, which has no propulsion system, and boosting its orbit back to its original position. Right now, Swift is circling at an altitude of 224 miles, and Link is aiming to raise that by about 150 miles.

Using a three-armed spacecraft to lift a satellite 150 miles higher into orbit is challenging enough, but the speed with which Katalyst pulled the mission together makes it even more impressive. NASA required the company to rush the job because Swift would be too low to save by October. $30 million and nine months later, help is on the way for the $500 million Swift.

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Flatbush Zombies’ Erick the Architect misses his BlackBerry keyboard

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Flatbush Zombies’ Erick the Architect misses his BlackBerry keyboard

Erick the Architect is a founding member of, and the primary producer for, the legendary Flatbush Zombies. He’s toured the world, performed on Kimmel and Fallon, played Coachella, and collaborated with everyone from Joey Bada$$ and the Rza to James Blake and hardcore punk band Trash Talk. But perhaps the most unexpected collab was with Apple, when Erick popped up following Tim Cook’s final WWDC presentation to rap about apps. That was just a precursor to him dropping his new disco and reggae-tinged single, “No Doubt (I’m In Love).”

The new track, produced by Yeti Beats and Federico Vindver, is definitely a shift in tone from the darker, grittier, more boom-bap-grounded sounds Erick is known for. But that’s part of what makes it so compelling. Erick is still looking to experiment and expand his palette this deep into his career. That sense of adventure doesn’t stop him from getting a bit nostalgic for physical phone keyboards and the GameCube, though. It also turns out that Erick was one of just a handful of unfortunate souls who spent their hard-earned money on the Nokia N-Gage.

What is your most indispensable tool?

A moleskine book and a pen.

What is the first app you install on a new phone or computer?

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I usually go for Dropbox first so I can pull up the thousands of files I have stored floating around on the internet somewhere.

What is one thing you wish you could change about your phone?

I miss typing on my phone with a physical keyboard like I used to do using a BlackBerry.

What sites do you have pinned to your tab bar?

ESPN, Behance, MyFonts, Fanatics, Topps, eBay, Discord, UPS, FedEx, Whatnot, Plex

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How many tabs do you have open right now?

What is your happy place online?

Uh… the screen that says “Your order has been placed” when you buy something online

What is your favorite gadget you’ve ever owned?

Which was the most disappointing?

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What game do you have the fondest memories of?

Resident Evil 4 for GameCube. I played this game so many times until my eyes were bloodshot red, and my fondest memory was the huge TV that I played it on. The TVs back then were so big they were actually pieces of furniture. When it came time to move it, you needed like four people to lift up those big tube TVs. Anyhow, I love that game, and I think I’m probably one of the best people at it!

Which tech trend do you wish would go away?

I’m not really a fan of virtual reality and putting things over my eyes to augment my reality… sorry to anyone who is obsessed with those things!

What is one thing you wish you had created?

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I wish I had created the song “Bohemian Rhapsody.” It’s such a ridiculous song in the most beautiful way. I can’t compare it to any other piece of music. If I did, I’d have to reference a ton of different songs to make this one. I think if I were the creator of it, people would have no idea what song to expect from me, and that’s pretty cool.

What creation are you most proud of?

If I had a child, my answer would be that — but since I don’t, I would have to say the project I released in 2011 called “Almost Remembered.” It was the catalyst for all of the music I eventually learned how to create, and it gave me the confidence to continue to pursue being a producer and artist. I considered myself an amateur back then, but it was the most creative I’ve felt to date in terms of experimenting with new sounds.

Which are you least proud of?

I don’t want anyone to google the name of the thing I am least proud of hahaha

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What’s the best piece of advice you’ve ever received?

My mom told me that everybody has a season, and although it may not be your season now… You have to consider that when it is, that season may last forever. Be patient and wait on it.

What is your current obsession?

What do you do when you need to focus?

Turn my phone off or pretend I don’t have one anymore.

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What do you do when you’re feeling stuck?

Again, turn my phone off or pretend I don’t have one anymore.

When was the last time you went somewhere without your phone?

I take walks without my phone all the time, and I use my digital audio player that isn’t connected to the internet whatsoever. I can focus on the music entirely and not be distracted by incoming texts, emails, or social media.

What’s the last piece of physical media you bought?

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I bought a bunch of records at VinylCon! a couple of months ago, and I’ve been collecting Absolute Batman and Invincible comics.

What do you think is worth splurging on?

Food and anything you like to collect.

What would the tagline for your biopic be?

“The man with too much on his mind.”

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What’s the last GIF or meme you used?

No arguments.
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While you’re watching the World Cup, the feds may be watching you

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While you’re watching the World Cup, the feds may be watching you

It’s a big year for America. It’s the semiquincentennial, otherwise known as America250, and the United States is cohosting the World Cup. But spectators at these events — and the millions of people who live in the cities hosting them — may not realize that they, too, are being watched.

From Kansas City to New York, the US cities hosting the World Cup have been ramping up their surveillance capabilities in the months leading up to the tournament. Security measures are at an all-time high in Washington, DC, which isn’t hosting the World Cup, but is home to a series of spectacles this summer. The Fourth of July festivities in the nation’s capital will have an unprecedented level of surveillance. Law enforcement agencies say they can’t take any risks during these once-in-a-lifetime events — but privacy advocates warn that some of this surveillance won’t be limited to this summer’s celebrations.

Both the Fourth of July fireworks on the National Mall and the July 19th World Cup final in New Jersey have been designated National Special Security Events (NSSE) by the Department of Homeland Security, the most stringent security designation the agency gives. This isn’t unusual for major sporting events — the Super Bowl is always given an NSSE designation — but it’s a first for the Fourth of July. The UFC fight at the White House in June was also an NSSE, as was the official UFC watch party on the Ellipse.

Attendees at the Fourth of July fireworks show on the National Mall will have to pass through airport-style security checkpoints and won’t be allowed to bring folding chairs or coolers. Counter-drone measures will be in place, The Washington Post reports, as will bomb technicians, countersnipers, and medical personnel from several federal agencies. While attendees will notice these security measures, others could be close to invisible — including camera networks that track their biometrics.

The measures at the National Mall appear to be a response to criticisms of lax security at the White House Correspondents’ Dinner, which was infiltrated by a gunman who allegedly shot at a Secret Service agent.

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There will be similar measures in place at the World Cup final, which Donald Trump is expected to attend — and where he will reportedly present the trophy to the winning team.

“This is going to be security-o-rama regardless of whether the president goes,” Jules Boykoff, author of Red Card: The 2026 World Cup, Sportswashing, and the FIFA Greed Machine, told The Verge. “If the president goes, that’s just an extra lacquering of security.”

Boykoff, a professor of political science at Pacific University, said there may be an increased ICE presence at the World Cup final as well, and pointed out that ICE arrested rapper 21 Savage at the 2019 Super Bowl — another NSSE — claiming he overstayed his visa.

Anne Toomey McKenna, an attorney who specializes in privacy and biometric surveillance, said the NSSE declaration may also make it easier to justify collecting communications data under the looser standard of Section 702 of the Foreign Intelligence Surveillance Act, instead of the more stringer requirements of the Wiretap Act.

Andrew Giuliani, executive director of the White House task force for the World Cup — and son of Rudy Giuliani — has said there will be heightened security at all the World Cup matches, even the ones Trump doesn’t attend. “You’ll have multiple perimeter checks from security. You’ll have checks while you get onto public transportation to make sure you’re a valid ticket holder,” Giuliani told the Atlantic Council’s Frederick Kempe. “Soccer fans — or futból fans — they generally like to come to stadiums late, in the 15, 20 minutes or so before the game.” But Giuliani said ticket holders should know that gates open three hours before kickoff and plan to arrive early so they don’t miss kickoff.

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The surveillance isn’t limited to one-off events and in fact involves building up a massive apparatus across the country. Through FEMA, the Department of Homeland Security gave $250 million in grants to states that are hosting World Cup matches, much of which was used to buy counter-drone equipment, according to The New York Times. The FBI has also been training local law enforcement agencies on drone mitigation. According to Giuliani, the Fan Fests in all 11 host cities will be covered by counter-drone technology. It’s unclear whether these cities are using the same tech that led to an airspace closure in El Paso earlier this year.

This is going to be security-o-rama regardless of whether the president goes.

New York City — technically one of the host cities, even though the matches are taking place across the river in New Jersey — spent $6.5 million on counter-drone technology. In Kansas City, Missouri, authorities have confiscated at least 16 drones since the World Cup began.

“The general rule with the World Cup and Olympics is that local and national police forces use the sports mega event like their own private cash machine,” Boykoff said. “The World Cup creates a state of exception that allows for all manner of securitization processes.” And in many cases, once these tools are in place, they remain. Paris, for example, enabled AI video surveillance ahead of the 2024 Olympics — and is keeping it in place through the end of 2027 despite privacy concerns.

Similar camera systems have been installed throughout the US ahead of the World Cup, even in areas far beyond stadiums. Kansas City also planned on putting cameras equipped with facial recognition on some city buses, even though the state government refused to fund the project over privacy concerns. The city initially went through with the program anyway, saying it would help identify missing persons and could thwart human trafficking attempts during a major international sporting event. City officials said that the images captured are checked against active missing persons alerts and only retained if there’s a match.

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“Privacy is always a tricky thing,” Tyler Means, chief mobility and strategy officer at Kansas City Area Transportation Authority, told The Washington Post. “We’ve always had cameras on our buses. It’s just new technology. I think in time it’ll smooth over and people will realize, ‘Well, it didn’t really feel any different.’”

The cameras aren’t operational yet because of backlash and technical delays, but Kansas City plans on implementing the program later this year — even though the World Cup will be over by then.

The America250 celebrations will be monitored by thousands of law enforcement officers, including National Guard troops and FBI agents, many of whom will be wearing body cameras. Several cities have expanded or reactivated CCTV systems ahead of the World Cup. Seattle reportedly reactivated dormant cameras after FBI and Seattle Police Department officials briefed the mayor on “credible threats” during the games.

McKenna said the increase in surveillance at these events isn’t unwarranted given the increased level of risk, but said there’s an issue with how biometric data is gathered and retained. McKenna noted that British Columbia, which is also hosting the World Cup, has regulations around how long surveillance footage from matches and other events can be retained — rules the US lacks.

Though CCTV has been around for decades, advances in camera technology — and AI integrations — have made these systems incredibly sophisticated. Early footage “told us a lot about what was happening, but it really wasn’t that different from what a police officer standing on the street could see themselves,” McKenna said. “That’s how the law in the US reached the conclusion that CCTV systems are okay — because it happens in a public space, so there’s no real reasonable expectation of privacy risk under the Fourth Amendment, which protects against unreasonable searches and seizures.”

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But cameras reach much farther than they used to — they can tilt, pan, or zoom, and can often see several miles away. They can be equipped with thermal imaging devices and facial recognition technology, all of which may be accessible to law enforcement. Some AI software can even analyze people’s facial expressions and claim to predict a person’s behavior, McKenna said.

“We have increasingly advancing AI systems with analytical capabilities that can merge so much data and detect things from the footage that before we wouldn’t know,” McKenna said. “An officer on the street wouldn’t be able to identify every person walking by, but facial recognition technology software is very common, and it can be utilized together with the footage that is being taken and collected by CCTV systems.”

All of this information can be sent to federal fusion centers, where information is shared between local law enforcement and federal agencies like ICE and the FBI. McKenna explained that when there’s more information-sharing between local law enforcement and federal security agencies, “we lose control over how that information is used.”

“That’s part of the protection we’re supposed to have under our laws — that information that’s been collected for national security purposes not be used for domestic law enforcement purposes,” McKenna said. “We have increasingly seen a blurring of national security measures becoming part of domestic law enforcement.”

There are still a couple weeks left in the World Cup. But there’s no telling how long all the surveillance data gathered around the matches will be stored, or how it will be used.

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