Fraud & Identity Management

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Address discrepancies aren’t the end of the road...

One of the handful of mandatory elements in the Red Flag guidelines, which focus on FACTA Sections 114 and 315, is the implementation of...

Read More Address discrepancies aren’t the end of the road, but they sure can be a bump in it
What are your thoughts?...

What are your thoughts on the third extension to the Identity Theft Red Flags Rule deadline? Was your institution ready to meet Red Flag......

Read More What are your thoughts?
Common question about the Red Flags Rule...

Does the rule list the Red Flags? The Identity Theft Red Flags Rule provides several examples of Red Flagsin four separate categories: 1. alerts...

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Response to reader…...

I was recently asked in a comment, "What do we have to do to become compliant?" Great question. There is not a single path...

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Experian Red Flags Rule survey...

As we approach the FTC's May 1, 2009 Red Flags Rule enforcement deadline, we are still working with many of our existing and prospective...

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New Red Flags Rule Federal Trade Commission Web site...

I encourage all of you to have a look at this newly launched Federal Trade Commission Web site dedicated to the Red Flags Rule...

Read More New Red Flags Rule Federal Trade Commission Web site
Consistent compliance-oriented, decisioning strategies...

Regardless of the specific checks and overall processes incorporated into your Red Flags Identity Theft Prevention Program, the use of an automated decisioning strategy...

Read More Consistent compliance-oriented, decisioning strategies can be a cost saver
Developing and implementing an Identity Theft Preventi...

If the business is a creditor or a “financial institution” (defined as a depository institution) that offers covered accounts, you must develop a Program...

Read More Developing and implementing an Identity Theft Prevention Program
How are Red Flags presented on the actual credit repor...

The credit reporting agencies will not identify Red Flags, as such, on a credit report. However, there may be certain information on a credit...

Read More How are Red Flags presented on the actual credit report?
May 1 is a couple months away, but Nov. 1 still matter...

For all you folks who, like me, waited until the last minute to knock out a term paper or class project in school, here...

Read More May 1 is a couple months away, but Nov. 1 still matters.
Less is not always more....

Red Flags Rule I've heard more than one institution claim that they may limit and even reduce the identity elements (perhaps down to just...

Read More Less is not always more.
Does the Identity Theft Red Flags Rule apply to me?...

Here are a few more frequently asked questions. 1.Am I a “creditor” under the rule? The term “creditor” has the same meaning as under...

Read More Does the Identity Theft Red Flags Rule apply to me?
Upon further review …...

Here we are in March, 2009, four months after the Red Flags Rules deadline OR two months until the Red Flags deadline…depending on your...

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Tell me more about address discrepancies...

Address discrepancies aren't the end of the road, but they sure can be a bump in it. One of the handful of mandatory elements...

Read More Tell me more about address discrepancies
Detecting Red Flags...

At which stage of the application process does the Red Flags Rule apply? The Red Flag Rule would apply whenever you detect a Red...

Read More Detecting Red Flags