Tracking FACT Act Developments

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Tracking FACT Act Developments
This page features links to proposed rules, guidance, and final rules relating to the Fair and Accurate Credit Transactions Act ("FACT Act"), a December, 2003 federal law which revises the Fair Credit Reporting Act.

BOL LINKS:

Red Flags Special Edition
FCRA/FACT Act Forum on Bankers' Threads

Do you need
FACTA Training?

BOL Learning Connect can help with a variety of two-hour CD ROM training programs on FCRA and FACT Act.

Learn More
Fair Credit Reporting Act Court Cases
Launch Pad, FCRA-related links
Word and PDF versions of the Fair Credit Reporting Act (with FACTA revisions) from Banker Tools
Regulation V - FRB regulation implementing parts of FACTA
InfoVault, FCRA/FACT Act articles on BOL
Red Flag Examples - HTML
Red Flag Examples - PDF

BOL Articles:
Red Flags in Your Vendor Population
SAS 70 reviews for GLBA and FACTA Compliance
Your Vendors & Red Flags: What you don't know can hurt you
Red Flags Rule - May 1st deadline
FACTA � Medical Collections & Credit Decision
Scoring Compliance to Identity Theft Red Flags
Address Discrepancy Credit Report
FACTA Verification - Fraud Alert on Credit Bureau
The FACT Act Identity Theft Prevention Program Mandates
Referral Volumes as an Operations Concern
An Example of a Red Flag
Key Areas to be Addressed for Red Flag Rulings
Staff Training for Red Flag Regulations?
Policies and Procedures Manual for Red Flag Compliance
Red Flag Program � Service Provider Arrangements
Fighting Fraud Takes a Mix of Tools
Address Changes and Card Replacement
Staff Training for Red Flag Regulations?
Red Flag Program � oversight from the Board
For Financial Institutions, Identity Theft Protection is a No-Brainer
Red Flag � Separate Program Required?
Identity Theft Red Flags
Is Your Financial Institution Red Flag Ready?
New Ways To Fight Identity Theft
Getting Compliant: The 7 Step Red Flag Checklist
Phishing for a Banking Solution
Risk Assessment for Red Flags involves both creativity and math!
Red Flags overlaps BSA/AML, do you know where to look?
Do We Really Need an Anti-Phishing Program?
Crackdown On Compliance
COMPLETE COMPILATION OF RED FLAGS ARTICLES
Red Flag Identity Theft Rules
Red Flag Rule
Changes in Customer's Address
Sharing Affiliate Information
Red Flag Regs Alert: It's Time to Start Planning
FACTA Address Discrepancy Reg Finalized

BOL Red Flag Questions:
Archive of Featured Red Flag Questions

BOL Tools:
Red Flags/Identity Theft Audit Program
Red Flag 101 Training
FCRA and Red Flag Training Program plus Policy and Procedures (PPT, Word and PDF formats)
Red Flag Assessment Testing (Excel and PDF formats)
Red Flag Identity Theft Protection Provider Worksheet Provided by Secure Identity Systems
Red Flags Worksheet (Excel format) & (pdf format)
Red Flag Word Scrambler and Crossword Puzzle (pdf format)
"Jeopardy" Style Red Flag Game (Excel format)
FACTA/FCRA Medical Rules - Cheat Sheet
FACT Act Medical Information Rules Training
QUIZ: Medical Information Rules under FACTA
FACT Act Policy
FACT Act Chart This provides a quick reference guide to summaries of the sections of the FACT Act and the spot where each will be found within the FCRA (Updated 01/05)
FCRA/FACT Act Home Loan Applicant and Credit Score Disclosure
Credit Report Request
Reg Flag Identity Theft Protection Provider Worksheet
Red Flag Account Warnings
Red Flags 101 Training

BOL Red Flags Discussions:
Selected Bankers' Threads on ID Theft Red Flags
FTC suspends "Red Flags Rule" until May 1, 2009, to give FTC-supervised creditors and financial institutions additional time to develop & implement written ID prevention programs. FTC action does not affect enforcement of the original November 1, 2008, deadline for compliance by institutions subject to oversight by other federal agencies.
FTC FCRA/Fact Act page
FACT Act
FCRA (with FACT Act amendments included)- word doc
FCRA (with FACT Act amendments included) - pdf
FCRA Exam Procedures

Pending Proposals

Guidelines for Furnishers of Information to Consumer Reporting Agencies

FACTA section 311 risk-based pricing provisions Proposed rules

Proposed FACTA Red Flag and Address Discrepancy Regulations & Guidelines

Notice of Proposed Rulemaking on FACTA Red Flag Guidelines

FTC Seeks Comments on FACT Act Furnisher Rules

Regulators Publish Affiliate Marketing Proposal

Affiliate Marketing Notice and Opt Out FRB OCC

Final Rules

FACTA Section 312 - Fair & Accurate Reporting to CRAs - correction - pdf

FACTA Section 312 - Fair & Accurate Reporting to CRAs - pdf

FCRA Exam Procedures - Affiliate marketing, identity-theft red flags, & address discrepancies rules. OCC Bulletin; OTS CEO Letter; FDIC FIL; FED SR Letter; Exam Procedures

Annotated Red Flags and Address Discrepancy Regulations
OTC Memorandum - ID Theft Red Flags & Address Discrepancies Final Rules & Guidelines - text

Affiliate Marketing Rules - text
Affiliate Marketing Rules - pdf

FACTA Red Flag and Address Discrepancy Regulations and Guidelines

FACTA Medical Information Rules

Prescreen Opt-Out Disclosure (PDF) (Effective August 1, 2005)

Joint Bank Regulatory Agencies' Final Regulation on Consumer Information and Records Disposal

FTC Issues Final Regulation on Consumer Information and Records Disposal

ID Theft Provisions of FACTA

Effective dates for provisions of FACTA

Negative information reporting

Free copies of consumer reports

FTC press release relating to free credit report rule

First published on BankersOnline.com 6/25/04

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