ID Theft Red Flags and
Address Discrepancy Regulations
Part 222 -- FAIR CREDIT REPORTING (Regulation V)
Subpart I -- Duties of Users of Consumer Reports Regarding Identity Theft.
§ 222.82 -- Duties of users regarding address discrepancies.
Subpart J -- Identity Theft Read Flags
§ 222.90 -- Duties regarding the detection, prevention, and mitigation of identity theft
§ 222.91 -- Duties of card issuers regarding changes of address
Appendix J -- Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation
ID Theft Red Flags Examples -- Supplement A to Appendix J
Editor's Note: On November 9, 2007, the Federal Reserve Board published in the Federal Register its final Identity Theft Red Flags and Address Discrepancy Regulations under sections 114 and 315 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act).
The regulations were issued jointly and in cooperation with other federal agencies.
The other agencies' regulations can be located as follows:
The mandatory compliance date for this rule is November 1, 2008.
- Office of the Comptroller of the Currency (OCC):
12 CFR Part 41
- Federal Deposit Insurance Corporation (FDIC):
12 CFR Parts 334 and 364
- Office of Thrift Supervision (OTS):
12 CFR Part 571
- National Credit Union Administration (NCUA):
12 CFR Part 717
- Federal Trade Commission (FTC):
16 CFR Part 681