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FDIC RIN: 3064-AD00 Publication ID: Spring 2007 
Title: Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 
Abstract: The OCC, Board, FDIC, OTS, NCUA, and FTC (Agencies) request comment on a proposal that would implement sections 114 and 315 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act). As required by section 114, the Agencies are jointly proposing guidelines for financial institutions and creditors identifying patterns, practices, and specific forms of activity, that indicated the possible existence of identity theft. 
Agency: Federal Deposit Insurance Corporation(FDIC)  Priority: Other Significant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Final Rule Stage 
Major: No  Unfunded Mandates: No 
CFR Citation: 12 CFR 334    12 CFR 364   
Legal Authority: 12 USC 1818 to 1819 (Tenth)    15 USC 1681(b) to 1681(c)    15 USC 1681(m)    15 USC 1681s    15 USC 1681w    15 USC 6801    15 USC 6805    ...   
Legal Deadline:  None
Timetable:
Action Date FR Cite
NPRM  07/18/2006  71 FR 40786   
NPRM Comment Period End  09/18/2006    
Final Action  06/00/2007    
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Small Entities Affected: No  Federalism: No 
Included in the Regulatory Plan: No 
RIN Information URL: http://www.fdic.gov/regulations/laws/federal/propose.html  
Agency Contact:
Richard M. Schwartz
Counsel
Federal Deposit Insurance Corporation
550 17th Street NW,
Washington, DC 20429
Phone:202 898-7424
Email: rischwartz@fdic.gov