Phi is the 21st letter of the Greek alphabet and I think that is the context in Phi Accrual here. However, PHI, could stand for the HIPAA term protected health information. This concept overlaps some with PII and has to do with medical records. Laws protect this data from just being spread about that do not exist in other industries. There are not laws around keeping social security numbers and only two states have laws for keeping credit card records which are largely replaced in terms of "regulation" with the whole PCI (payment card industry) standards and incentives. There is nothing stopping you from building an application that has plain text passwords kept at the database either, not in American law anyways. The PHI stuff does have some legalese to it.
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