(b) In determining whether the data breach resulted in a reasonable risk for the potential misuse of the compromised sensitive personal information, the Secretary shall consider all factors that the Secretary, in his or her discretion, considers relevant to the decision, including:

1. (1) The likelihood that the sensitive personal information will be or has been made accessible to and usable by unauthorized persons;
2. (2) Known misuses, if any, of the same or similar sensitive personal information;
3. (3) Any assessment of the potential harm to the affected individuals provided in the risk analysis;
4. (4) Whether the credit protection services that VA may offer under 38 U.S.C. 5724 may assist record subjects in avoiding or mitigating the results of identity theft based on the VA sensitive personal information that had been compromised;
5. (5) Whether private entities are required under Federal law to offer credit protection services to individuals if the same or similar data of the private entities had been similarly compromised; and

6. (6) The recommendations, if any, concerning the offer of, or benefits to be derived from, credit protection services in this case that are in the risk analysis report.

   (Authority: 38 U.S.C. 501, 5724, 5727)