The framework that NIST has created for online identity really needs ownership to be successful. The White House should encourage companies to start a consortium to prototype the concept simular to the OATH consortium. It would be disappointing to see a differing standards created that would not be compatible. NISTs framework tries to prevent that but as we know money often gets in the way of any such effort. If this is not successful – the risk to online business will continue to increase and cost of doing business will continue to rise to cover losses. Credit Card (CC) companies and banks should fund this because without decreasing risk their businesses will continue to bleed money.