Link to article, it's on 3 different pages; but it's a quick read.
a few snippets..
"Bob Krist: Carolyn, the first question that I get asked in seminars and workshops these days is “When do you need a model release?” Is there any shorthand answer to that?
Carolyn Wright: Well, the shorthand answer is “If your client requires a model release, then you need one!” (laughs) Legally, the answer is a little different. You only need a model release for commercial usages, not for editorial uses. It’s a little easier to describe commercial use than editorial use. Basically, a commercial use is when a photo of a person is used for an advertisement or endorsement or used in “trade.” Trade is when photographs are put on the actual product, such as a T-shirt, coffee mug, lunchbox or something like that. "
"Krist: Let’s talk a bit about copyright. I know that photographers are afforded two levels of protection under the copyright law. If you publish or display a picture with the © and your name and date, you get a minimum level of protection, but for full copyright protection, do you need to take it one step further?
Wright: You’re afforded some copyright protection by the symbol, but in cases of infringement, you’d only be entitled to actual damages. To collect statutory damages, which usually are considerably more money, you have to have registered your images.
Krist: And to do this, you fill out a form (available from www.copyright.gov/forms) and include a copy of the picture. How many pictures can you register at one time?
Wright: If they’re unpublished, there’s no limit to the number of images you can register at one time. For published images, it has to be within a calendar year. I recommend registering them digitally, in CD format, and each photograph should be at 100 x 100 pixels."
A CD full of 100x100 images? I think we should ALL be doing this ASAP to protect ourselves.