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Fair and Accurate Credit Transactions Act of 2003

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Credit Management Association
Credit Management Association

Covers red flag provisions of the fair and accurate act of 2003.

Business
1  sur  61
Fair and Accurate Credit Transactions Act of 2003 Red Flag Provisions Brenda Terreault, Esq. NACM Oregon June 24, 2009
[object Object]
BACKGROUND ,[object Object],[object Object],[object Object]
Red Flag Provisions ,[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]
[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]
Questions? [email_address] www.ftc.gov Thank you!

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Fair and Accurate Credit Transactions Act of 2003

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