“Victims are protected by federal law from having to pay the fraudulent charges, so the loss is primarily of time,” says Beth Givens, founder of the nonprofit Privacy Rights Clearinghouse.
Attorneys at the FTC are still working out exactly which losses will be covered.
One qualified expense: the cost of credit monitoring for victims who discovered the fraud before ChoicePoint notified them of the breach and offered free credit monitoring.
http://www.csoonline.com/read/040106/penalty.html