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FACTA Red Flags 2010

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Credit Management Association
Credit Management Association

The Fair and Accurate Credit Transactions Act of 2003 requires certain financial institutions and creditors to implement an Identity Theft Prevention Program to detect and mitigate identity theft. The Red Flags Rule specifies that programs must include risk assessments, policies to identify and respond to red flags of identity theft, staff training, and oversight of service providers. Failure to comply can result in fines and legal action by regulators and state attorneys general.

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Fair and Accurate Credit Transactions Act of 2003 Red Flag Provisions Brenda Terreault, Esq. NACM Oregon January 14, 2010
[object Object]
BACKGROUND ,[object Object],[object Object],[object Object]
Red Flag Provisions ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
What is a Red Flag? ,[object Object]
STRUCTURE OF THE RED FLAGS RULE ,[object Object],[object Object],[object Object]
PURPOSE OF THE RED FLAGS RULE ,[object Object],[object Object]
[object Object],[object Object]
WHO’S COVERED? ,[object Object],[object Object]
WHO’S COVERED? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
DEFINITION OF “TRANSACTION ACCOUNT” ,[object Object]
FTC Definition of “Creditors” ,[object Object]
FTC Definition of “Creditors” ,[object Object],[object Object]
FTC Definition of “Creditors” ,[object Object],[object Object]
FTC Definition of “Creditors” ,[object Object]
RECAP - WHO’S COVERED? ,[object Object],[object Object],[object Object]
WHO’S NOT COVERED? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object]
WHAT DO WE NEED TO DO? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
WHAT IS AN “ACCOUNT”? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
WHAT IS A “COVERED ACCOUNT”? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
WHAT IS A “COVERED ACCOUNT”? ,[object Object],[object Object],[object Object],[object Object],[object Object]
Risk Assessment of Covered Accounts ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object]
A Brief Outline of What’s Expected ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object]
DESIGNING YOUR PROGRAM ,[object Object],[object Object]
Things to Remember ,[object Object],[object Object],[object Object],[object Object],[object Object]
Things to Remember ,[object Object],[object Object],[object Object],[object Object],[object Object]
DESIGNING YOUR PROGRAM ,[object Object],[object Object]
Incorporating existing policies and procedures ,[object Object],[object Object],[object Object]
Identify relevant red flags ,[object Object],[object Object],[object Object],[object Object],[object Object]
Identify relevant red flags ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
EXAMPLES OF RED FLAGS (SUPP. A) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
EXAMPLES OF RED FLAGS (SUPP. A) ,[object Object],[object Object],[object Object],[object Object]
DESIGNING YOUR PROGRAM ,[object Object],[object Object]
Detecting relevant red flags ,[object Object],[object Object],[object Object],[object Object]
Detecting relevant red flags ,[object Object],[object Object],[object Object],[object Object]
DESIGNING YOUR PROGRAM ,[object Object],[object Object]
Responding to relevant red flags ,[object Object],[object Object],[object Object],[object Object],[object Object]
Respond appropriately to red flags ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
DESIGNING YOUR PROGRAM ,[object Object],[object Object]
Updating for new red flags ,[object Object],[object Object],[object Object],[object Object]
Updating for new red flags ,[object Object],[object Object],[object Object]
Updating for new red flags ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object]
ADDRESS DISCREPANCY RULE ,[object Object],[object Object],[object Object]
WHO’S COVERED? ,[object Object],[object Object]
CONFIRMING ADDRESS ,[object Object],[object Object],[object Object],[object Object]
NOTICE OF ADDRESS DISCREPANCY ,[object Object],[object Object],[object Object]
ENSURING ACCURACY ,[object Object],[object Object]
REASONABLE BELIEF ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
PROGRAM ADMINISTRATION OVERVIEW ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
PROGRAM ADMINISTRATION ELEMENTS BOARD APPROVAL ,[object Object],[object Object],[object Object],[object Object],[object Object]
PROGRAM ADMINISTRATION ELEMENTS REPORTING ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
PROGRAM ADMINISTRATION ELEMENTS TRAINING ,[object Object],[object Object],[object Object],[object Object],[object Object]
PROGRAM ADMINISTRATION ELEMENTS SERVICE PROVIDER OVERSIGHT ,[object Object],[object Object],[object Object],[object Object]
PROGRAM ADMINISTRATION ELEMENTS SERVICE PROVIDER OVERSIGHT ,[object Object],[object Object],[object Object]
CONSEQUENCES OF NON-COMPLIANCE ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
ENFORCEMENT OF RULES ,[object Object],[object Object],[object Object]
Advice ,[object Object],[object Object],[object Object],[object Object],[object Object]
Where to go for templates ,[object Object],[object Object],[object Object],[object Object],[object Object]
Where to go for templates ,[object Object],[object Object],[object Object],[object Object]
Questions? [email_address] www.ftc.gov Thank you!

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FACTA Red Flags 2010

  • 1. Fair and Accurate Credit Transactions Act of 2003 Red Flag Provisions Brenda Terreault, Esq. NACM Oregon January 14, 2010
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