A close-up of hands typing on a black computer keyboard. This overlapping authority and jurisdiction can lead to so-called "piling on," where one investigation by or settlement with a regulatory authority is followed by another. (Credit: Chris Ratcliffe/Bloomberg)

Data protection regulation in the United States is famously fragmented. A patchwork of federal and state requirements overlap, and periodically conflict, when it comes to the protection of consumer data. And these overlapping regulatory regimes do not even agree when it comes to the definition of "consumer."

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