Yesterday, U.S. Federal Reserve Governor Daniel Tarullo noted that “uniform disclosure” requirements were needed for banking institutions, so that their customers were made aware precisely when a data breach occurs. Millions of Target TGT -0.32% and Neiman Marcus customers were affected this past holiday shopping season and I’m not sure if you caught this one in late December but American Express EXPR +0.18% had a data breach as well. System security and data integrity – don’t leave home without it. But wait, it gets worse.