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If you think a burglar is outside your house, then would it be reasonable to already have a lock on your door? Seems common sense and obvious, but apparently not so clear to Texas legislators. In a legislative move equivalent to "you

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

can't buy a lock until you can prove your house has been broken in to", Texas bill writers decided in a moment of rare law-making idiocy to limit Texas consumers' credit freeze privileges unless and until they can prove that they're a

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

victim of identity theft or credit card fraud!

How Texas Credit Freeze Laws Crimp Residents Yet Aid Bad Guys. Everyone in the Lone Star State has read a thousand times the politicia

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

ns' campaign pledges "we work for you!". However, in the expanding universe of online fraud, identity theft, credit card fraud and other rip-off areas, the matter of which "you" they're working for is now less clear. Is it the Good Gu

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

s, ordinary Texas citizens, or is it the Bad Guys?

Limiting The Good Guys' Rights. Law abiding Texas citizens, the real Good Guys in the identity theft picture, have gotten the bums rush deal from their pols. Here's

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

the real deal on how Texas credit freeze works. Lone Star residents have to prove, via formal police investigative reports, that they've been already victimized by identity theft or credit card fraud

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

before their credit history reports can be locked-down and controlled against future piracy! In other words, by law Texas citizens cannot proactively defend themselves against future crimes of identity theft or relat

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

ed financial or securities fraud unless they've first become a victim!

Enhancing The Bad Guys' Criminal Opportunities. Seems benign, the matter of timing and control over how your credit history repo

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

t might be made available. Yet, in the opportunistic mindset of a criminal, getting a 1-time access into your credit history is like being offered 100 yards of open running room with no defenders in sight! In other words you have to b

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

e kidding!

By initially stealing some piece of your identity...a current credit card, an auto, birth record, address, bank or checking account number...bad guys can then "apply" for any number of thousands of credit cards being hustl

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

ed by consumer credit companies like department stores, hardware stores, banks, clothiers, even sports good companies. These criminals, posing as "you", run each newly issued credit card to the hilt, purchasing thousands of dollars of

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

gear. What they know, and then 30 days later what you find out is that, you receive the bill and you're responsible for payment on the gear which you never bought!

"What the heck...what's this stuff? What charge card is this? *@:#"

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

ou'll be spitting and spewing. And guess what? With the help of your Texas legislature, you're out of luck unless and until you've been ripped off!

Influence Peddling or Clear Sighted Legislation? Only Texas resident

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

s can truly judge the bottom line of whether a hamstrung credit freeze law actually helps anybody, especially when crime data already shows that 80% to 90% of identity theft, online theft, credit card fraud and so on goes undetected u

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

ntil the damage occurs. Common sense indicates that "the horse has already left the paddock" and the game is over.

Which commercial interests are most likely to support the Texas credit freeze law, in its clearly limited and punitive

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

conditional support of Texas citizens? Amazingly, if you're a grade school child perhaps, the primary opponents of unrestricted credit freeze rights are the major credit bureaus such as Experian, TransUnion or Equifax. But why? The a

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

swer is simple...it's all about money.

Texas Resident Credit Records Are Money-Makers For The Credit Bureaus. Each of over 150 million individual credit history files is a form of intellectual proper

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

ty. Yes, it's all about you, your credit history, how and when you make your payments. Yet, individuals don't actually own or control their own data. Instead, these records are regularly "sold" to enquiring firms such as banks, credit

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

card companies, department stores, gasoline sellers and so on. If an individual controls their own credit history record, then the bureau can no longer make money from the data unless the consumer gives a formal notice to release the

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

information.

Meanwhile, banks and credit card hawkers want to sell more cards, more gear. And so do the Bad Guys, who by thieving chance and necessity like to exploit any opportunity to live high-on-the-hog at someone else's expense

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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