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Banking on privacy. Hospitals must protect patient information--and their own liability--as banks balk at HIPAA.

Thanks to HIPAA, banks stand to earn billions of dollars in new business by processing electronic claims for health care providers and payers. And the health care industry could realize $35 billion a year in efficiency gains and cost savings. But overshadowing it all is the question of how protected patient information will be--and how liable hospitals will be for any breach of that information by their business partners.