Beacon Health System of Indiana, which includes two hospitals: Elkhart General Hospital, Elkhart, and Memorial Hospital, South Bend, recently had to notify patients about a security breach. The breach was caused by a phishing attack targeting employee emails. An investigation showed that some of the emails were compromised as early as 2013 and the breach was not discovered until March 2015. Among the information accessed were names, Social Security numbers, birth dates, and drivers license numbers.

With card-present fraud liability shift right around the corner in October, it’s important for everyone to understand how these changes affect them as well as the other changes that EMV brings to the financial world.

Largely this breaks down into two types of fraud that EMV is designed to mitigate: counterfeit cards and lost or stolen cards.

According to the Office of the Comptroller of the Currency there are currently five cyber threats that pose the greatest concern to community banks in 2015.

The Department of Health and Human Services count of major health data breaches shows the healthcare sector to be a growing target for hackers, particularly for hackers using phishing attacks.

As of April 29, the HHS’s website that displays breaches that affected at least 500 people shows 1,213 incidents affecting more than 133.2 million individuals since the HIPAA breach notification rule went into effect in September 2009. The recent attack against Anthem, accounts for 78.8 million of those victims.

Cyber-attacks are targeting more than top-tier banks and Fortune 500 businesses. Increasingly, community banks and credit unions, as well as other small businesses, are more likely to be targeted by cyber-attacks because hackers believe small businesses present easier targets. One of the dangers that affect many smaller businesses is self-inflicted because in many cases community banks feel like they’re not large enough to be an enticing target to hackers and other cyber-criminals. It’s this type of thinking that poses one of the greatest threats to community banks and credit unions.

A recent study published in JAMA demonstrates the continuing threat posed to patients and healthcare providers by data breaches. Between 2010 and 2013 they found that there were 949 breaches reported to the HHS that each affected more than 500 people. In total there were over 29 million health records exposed by data breaches during that time.

The study also found that breaches resulting from hacking nearly doubled during the period the study covered. This trend is likely to continue without increased vigilance on the part of covered entities everywhere.