The Board of Governors of the Federal Reserve System amended its Identity Theft Red Flags rule, which implements section 615(e) of the Fair Credit Reporting Act (FCRA). The Red Flag Program Clarification Act of 2010 (Clarification Act) added a definition of "creditor" in FCRA section 615(e) that is specific to section 615(e). Accordingly, the final rule amended the definition of "creditor" in the Identity Theft Red Flags rule to reflect the definition of that term as added by the statute. The final rule also updated a cross-reference in the Identity Theft Red Flags rule to reflect a statutory change in rulemaking authority.