Bank of America is adopting some new schemes that might help.  First, 
they're asking users to select a picture the user selected at 
registration time.  The theory is presumably that a phishing site won't 
have the right image for you.  Second, you can "register" your 
computer; if your account is accessed from another computer, additional 
authentication is demanded, thus rendering a compromised password much 
less useful.

I think both schemes will help; I doubt that either will stop the 
problems.


http://www.bankofamerica.com/newsroom/press/press.cfm?PressID=press.20050526.03.htm

                --Steven M. Bellovin, http://www.cs.columbia.edu/~smb



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