According to a new survey, the majority of Americans who are familiar with online banking assume - perhaps incorrectly - that all financial services Web sites provide the same consumer protections.

After all, restaurants are expected to follow identical food-safety guidelines, hospitals are subject to the same sterility and other requirements, and new buildings must all adhere to safety codes. Unfortunately, online financial services do not necessarily all offer uniform consumer protections. The consumer and financial communities alike should take note of this situation and correct it.

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