With less than 20 working days before Congress adjourns for November elections, the fate of two hotly contested data security bills lingers. Both aim to protect consumers from data breaches and could see votes before the end of the session, but they share little else. H.R. 3997, the Data Accountability and Trust Act, has the support of the Mortgage Bankers Association. The bill would preempt existing state notice of breach laws and only allow federal enforcement. It requires individual...