Complying with the Red Flags Rule

Are you complying with the Red Flags Rule?

The Red Flags Rule requires many businesses and organizations to implement a written Identity Theft Prevention Program designed to detect the warning signs – or "red flags" – of identity theft in their day-to-day operations.

Are you covered by the Red Flags Rule?

Read Fighting Fraud with the Red Flags Rule: A How-To Guide for Business to:

• Find out if the rule applies to your business or organization;
• Get practical tips on spotting the red flags of identity theft, taking steps to prevent the crime, and mitigating the damage it inflicts; and
• Learn how to put in place your written Identity Theft Prevention Program.

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Identity Theft


By identifying red flags in advance, you'll be better equipped to spot suspicious patterns when they arise and take steps to prevent a red flag from escalating into a costly episode of identity theft.

Take advantage of other resources on this site to educate your employees and colleagues about complying with the Red Flags Rule.



Enforcement of RedFlags is scheduled to begin November 1st!
This is your last chance to get up to speed before enforcement begins!

Red Flags Compliant Webinar with Lee Holden

Date: Tuesday, October 27, 2009 Time: 8:30 PM - 9:30 PM EDT

Space is limited.
Reserve your Webinar seat now at:
https://www2.gotomeeting.com/register/617377139

sponsored by: Red Flags Compliant

contact us: GetCompliant@gmail.com

Medical Practice Red Flag Rules

Red Flag Rules for the Medical Practice are covered in the
FTC''s "Fighting Fraud with the Red Flags Rule:
A How-To Guide for Business" as outlined in the section:

The Red Flags Rule: Frequently Asked Questions

Who’s Covered by the Red Flags Rule?

Under the Rule, the definition of “creditor” is broad, and includes
"examples of groups that may fall within this definition as utilities, health care providers, lawyers, accountants, and other professionals."

In addition, the definition includes anyone who regularly participates in the decision to extend, renew, or continue credit, including setting the terms of credit.

For example, a third-party debt collector who regularly renegotiates the terms of a debt would be a creditor under the Rule.

The AMA - Red Flags Rule

In Nov. 2007, the Federal Trade Commission (FTC) issued a set of regulations, known as the “Red Flags Rule,” requiring that certain entities develop and implement written identity theft prevention and detection programs to protect consumers from identity theft.

Originally scheduled for a Nov. 1, 2008 compliance date, the FTC has now delayed the enforcement date of the Red Flags Rule until Nov. 1, 2009.

The new compliance date of Nov. 1, 2009, which follows two earlier extensions to May 1 and then later to Aug. 1, is a result of continued advocacy by the AMA and others who continue to object to the applicability of this Rule to health care providers and other professionals.

Since the Rule was issued, the AMA has objected to the FTC's interpretation that physician practices are "creditors" when they accept insurance and bill patients after services are provided or if they allow patients to set up payment plans after services have been provided.

The FTC states that this delay is intended to "give creditors and financial institutions more time to review this guidance and develop and implement written Identity Theft Prevention Programs."

While the AMA intends to continue to make the case to Congress and the agency that the FTC should republish the rule so that there is sufficient opportunity to formally comment and state the AMA's objections to physician inclusion in the program, the AMA has prepared a guidance document.

Red Flags Rule Guidance Document
This informative resource addresses the following questions:

• What is the purpose of the Red Flags Rule?
• How do the rules differ from HIPAA Privacy and Security Rules?
• Who has to comply with the Red Flags Rule?
• What is a “Red Flag”?
• How can physician practices comply with the Red Flags Rules?

Contact Us

Any Company that works with Consumer Credit is now required to have in place an Identity Theft Prevention program by November 1st, 2009.

Start now it takes time to become compliant.

These prevention measures must be in writing and followed closely or those companies not complying can potentially face large daily fines, civil litigation and ongoing audits by the Federal Trade Commission

What do you get when you enroll?

Contact Us: GetCompliant@gmail.com

The Red Flags Rule: FAQs of Red Flag Rules

Red Flags Rules: Frequently Asked Questions

The Red Flags Rule requires many businesses and organizations to implement a written Identity Theft Prevention Program to detect the warning signs – or “red flags” – of identity theft in their day-to-day operations.

The staff of the Federal Trade Commission (FTC) has heard from companies across the country that are developing Programs.

Questions – and the FTC’s answers – may help you develop a Program for your business.

These FAQs relate only to the Red Flags Rule and don’t address the applicability of other laws.

If you work for a bank, federally chartered credit union, or savings and loan, check with your federal regulatory agency for guidance.

The FAQs represent the opinions of the FTC staff, and aren’t binding on the Commission.

A. General Questions About the Red Flags Rule

B. Who’s Covered by the Red Flags Rule?

C. The Red Flags Rule and Government Agencies, Non-Profit Organizations, and Schools

D. Designing Your Identity Theft Prevention Program

E. Red Flags Rule Compliance and Enforcement

RED FLAGS COMPLIANCE WEBINAR
Tue, Oct 20, 2009 8:30 PM - 9:30 PM EDT
Get Your Business Compliant by FTC Enforcement date: Nov. 1st

Red Flags Compliant Webinar with Lee Holden
Date: Tuesday, October 20, 2009
Time: 8:30 PM - 9:30 PM EDT
-The Who
-What
-Where
-When and Why of Red Flags

Click below to register:
https://www2.gotomeeting.com/register/953563186

Sponsored by: http://redflagscompliant.com
Contact Us GetCompliant@gmail.com

Red Flags Compliant Identity Theft Prevention

Welcome to Red Flags Compliant

Any Company that works with Consumer Credit is now required to have in place an Identity Theft Prevention program by November 1st, 2009.

Start now it takes time to become compliant.

These prevention measures must be in writing and followed closely or those companies not complying can potentially face large daily fines, civil litigation and ongoing audits by the Federal Trade Commission.

The goal is to reduce the billions of dollars individuals and businesses lose each year identifying, responding too, and recovering from identity theft.

DOWNLOADS

Description	Size	Type	Download
Identity Theft Rules	1.05 MB	PDF
RedFlagsCompliant Data Sheet	0.11 MB	PDF

How do you start?

We have put together a comprehensive system for helping you achieve. your Red Flags compliance quickly and easily.

It includes the ability to alert all visitors and consumers at your web site that you are Red Flags compliant, which instills confidence and a sense of security for your customers.

After you enroll in our Red Flags Compliant program, you will be provided the web code to proudly display all information regarding your compliance.

What do you get when you enroll?

By enrolling in Red Flags Compliant, you receive:

• A listing in our directory of compliant businesses.

• A Jumpstart Guide to meeting compliance.

• A site seal to display on your website.

• A help desk ticketing system to support potential abuses.

• A live chat system for your clients/customers.

• Red Flags Compliant Certificate to print and display.

1. I'm a business owner, and I've never heard of this – why do I need Red Flags Compliant?

It's not surprising you haven't heard of it .... the Federal Trade Commission (FTC) hasn't made a large noise about this mandate.

The FTC mandated compliance to be complete by November 1^st, 2008.

Here, at Red Flags Compliant, we are providing the easiest method to become compliant while at the same time increasing your company's credibility with consumers and the opportunity for sales.

Remember...

You are now required to have an Identity Theft Prevention program
by November 1st, 2009.

For Assistance: Red Flags Compliant

Contact Us: GetCompliant@gmail.com

Document Management for Red Flag Compliance

How you handle your clients applications and credit is crucial to
Red Flag Compliance regarding all your Document Management.

There are 26 FTC identified Red Flags which cover various forms
of consumer protections against having their identity stolen
or their identity misused by others via fraud.

The first four Red Flags cover the use and misuse of handling of
consumer reports, the first category of Document Management.

If you or your business is handling consumer reports in connection
with accounts, these are the first four Red Flags of document
management relative to potential fraud or identity theft....

1) A fraud or active alert is currently included with a consumer report
What will your business do? What action will you take?
This is what the FTC wants to know, this is why a Compliance
Binder is prepared...for business policy.

2) A consumer reporting agency provides a notice of a credit freeze
in response to a request for a consumer report.
This might indicate that suspicious activity has already occured.

3) A consumer reporting agency provides a notice of address
discrepancy... documents shown do not match the information on
file...possible i.d theft.
How will you handle this, how will you document this and how will
your Compliance Officer record this in your document management.

4) A consumer report indicates a pattern of activity that is inconsistent
with the (credit) history and usual pattern of activity (via the history)
of an applicant or customer...this MIGHT signal recent fraud or a
recent theft of identity.

How you prepare your business for these and the other 22 Red Flags
is vital for FTC Compliance under Red Flag Rules.

Red Flags Identification

Identification involves an evaluation of covered accounts (i.e. billing and records accounts) and the methods available to open, access, modify or close those accounts.

Preliminary questions helpful in identifying red flags might include the following:

• How is an individual’s identity verified before opening or accessing a covered account?
• What information is required for such verification?
• What is done with that information once it is collected?
• What third party service providers have access to data?

Red Flags FAQ



Red Flags Data Sheet

Red Flags Compliant

for assistance: Red Flags Compliance
Contact Us: GetCompliant@gmail.com

Red Flags Compliant Helps Businesses Comply with Red Flag Rules

To help businesses comply in a timely manner with section 114 of the Fair and Accurate Credit Transactions (FACT) Act established by the U.S. Federal Trade Commission (FTC) as a set of Red Flag rules for regulating access to private information. Red Flags Compliant™ offers a program that includes the following:

Red Flags Compliant™ Jumpstart Guide to help businesses understand the requirements and how to implement their compliance A listing in the Red Flags Compliant™ directory of compliant businesses An Identity Quarantine™ site seal to display on a website to indicate compliance A help desk ticketing system for customers to report possible identity abuses A live chat system for clients and customers to discuss potential discrepancies A Red Flags Compliant™ Certificate to print and display

Guidelines issued by the FTC, the federal banking agencies, and the NCUA (http://ftc.gov/opa/2007/10/redflag.shtm) assist covered entities in designing their compliance programs.





Red Flags Compliant Webinar with Lee Holden

Open Q&A Webinar for Red Flag Compliance
Tue, Oct 6, 2009 8:30 PM - 9:30 PM EDT
FTC ENFORCEMENT DATE IS SET TO BEGIN NOVEMBER 1, 2009

Red Flags Compliant Webinar with Lee Holden
Date: Tuesday, October 6, 2009
Time: 8:30 PM - 9:30 PM EDT
-The Who
-What
-Where
-When and Why of Red Flags

Click below to register:
https://www2.gotomeeting.com/register/197488347

Sponsored by: http://order.imnotleaving.com
Contact Us: GetCompliant@gmail.com

Red Flag Rules for Health Care Providers

Red Flag Rules apply to many types of businesses in protecting
consumers from Fraud an Identity Theft...one of these areas is
Red Flag Compliance for Health Care Providers

Red Flags Identification

Identification involves an evaluation of covered accounts (i.e. billing and records accounts) and the methods available to open, access, modify or close those accounts.

Preliminary questions helpful in identifying red flags might include the following:

• How is an individual’s identity verified before opening or accessing a covered account?
• What information is required for such verification?
• What is done with that information once it is collected?
• What third party service providers have access to data?

Penalties For Noncompliance

The Act can subject organizations to civil monetary penalties at both the federal and state level.

Although the FTC has not yet begun formal enforcement, fines could be assessed against each of a noncompliant companies’ covered accounts, retroactively, as the Red Flags Rules are in force.

The FTC has indicated that they may initiate investigations based on consumer or third party complaints (which can be initiated easily at the FTC Website or other government agency).

Federal authorities may impose up to a $2,500 fine for each knowing violation. 15 U.S.C. §1681s(a)(2)(A). A state may impose up to a $1,000 fine for each willful or negligent violation. 15 U.S.C. §1681s(c)
(1)(B)(iii).

MEDICAL ID THEFT

Health Providers- Watch this Medical Identity Theft VIDEO


What Should We Do After We Watch the Video?

Bookmark this page and return to the following information

Check out the Services of Red Flags Compliant, which will help
your Group with Red Flag Compliance now and for the next
12 months of ongoing maintenance and Red Flag Updates.

Compare the Price of One Year of Service with the Fines that
can be assessed by the FTC and discuss the Civil Litigation
Exposure with your Group.

Organizations may be eligible for our Referral Program.
Contact Us at GetCompliant@gmail.com

You Are Invited to Attend our Red Flag Rules Webinar
Just click to Register
Tue, Sep 1, 2009 8:30 PM - 9:30 PM EDT

Contact Us: getcompliant@gmail.com

Red Flags Rules-The Shocking Secret

Red Flags Compliance generally has been so surrounded by the
"mystery" of the Red Flag Rules that Businesses have clearly
missed the Business Advantage of being Red Flag Compliant.

If you truly want to start taking your business to the next level,
( I mean ANY business REQUIRED to be Red Flags Compliant)
be the FIRST in your Industry or State or City to


STOP WHINING, CRYING AND HIDING FROM THE
RED FLAG RULES!

There, I said it!

It's for your own good...

If you Embrace the Fact that it's a Federal Law, on the books
and, that the Rules Are currently enforceable (whether the FTC
is "actively" enforcing or not) then I say...

EMBRACE THE GOOD IN THE RED FLAG RULES
And begin your Marketing...
Dominate your Competition, Dominate your Local Market.

You could be making a Lot More Money if you had this
"Red Flags Thing" figured out... Marketing More Effectively
within your Industry, State, City, Town....

If you are Required to be Compliant under Red Flag Rules
you are what the Rules call "covered" (which is a confusing way
of saying...You Have to be Certified or you are subject to FTC
fines and Audits, Civil liability and possibly Class Action lawsuits
if not Compliant...) .

So, Are You "Covered" by Red Flags Rules???

I have an 11 point Checklist and it's simply "Yes" or "No"

E-mail me and we can schedule an appointment to review the
questions with you...If you are not sure IF you are "covered"
(Required to be Certified Compliant) then....

Just answer the 11 questions, "Yes" or "No"

Contact Us: getcompliant@gmail.com

Red Flags Compliant Webinar with Lee Holden

Red Flags Compliant Webinar with Lee Holden, The Who, What, Where, When and Why of Red Flags

Tuesday, August 25, 2009 8:30 PM - 9:30 PM EDT What is the program all about? What do our customers get? Come to the Webinar with National Red Flags Compliance Expert Lee Holden Bring your questions - and we'll get you answers! Tuesday 8-25-09 @ 8:30pm EST/ 5:30 PST RedFlagsCompliant with Lee Holden The who, the what, the where, the when will all be answered! Open forum webinar so bring all of your questions. Click here to register RedFlagsCompliant Make Sure To Bookmark the Site Contact Us: getcompliant@gmail.com

Enroll Your Business to be Red Flags Compliant

Many companies are now "jumping in" to offer an inferior Red Flags product
knowing that much of the public is confused about what to do and
what they need...but when you enroll your business with the services
of Red Flags Compliant you'll work with experts and get a tremendous
value.

What do you get when you enroll?

By enrolling in Red Flags Compliant, you receive:

• A listing in our directory of compliant businesses.

A listing in our directory of compliant businesses. - This directory is designed to help consumers know who is compliant and who isn't. With your company's name on the directory, it will draw more business to you and let's people know that you are active in keeping their information private and secure.

• A Jumpstart Guide to meeting compliance.

A Jumpstart Guide to meeting compliance. - This Guide will help you see what departments or which people will be active in complying with Red Flags Compliance.

• A site seal to display on your website.

• A help desk ticketing system to support potential abuses.

A help desk ticketing system to support potential abuses. - A very useful tool for you and your clients, making sure nothing falls through the cracks. Making sure the peoples information is safe.

• A live chat system for your clients/customers.

A live chat system for your clients/customers. - Another useful tool! This online software allows your clients to contact you over the internet once they come to your site. This can be used for Red Flags compliance and also for your customers to contact you right away about a service or a product you offer.

• Red Flags Compliant Certificate to print and display.

Red Flags Compliant Certificate to print and display, and a site seal that you can also display on your website. Letting everyone you know and is wanting to know about your services can be assured that you are Red Flags compliant and ready to do business with them.

Third Party Red Flags compliance audit - We have a representative give you a call within 24 to 48 hours, the representative will ask you about the type of business you have and do a complete audit with you and your company.

And...12 months of Consultation for any adjustments
or changes you may need to make as well as Breaking News
from the FTC regarding any Red Flags Compliance Updates
included At No Additional Cost to You to get you through the
first year of Red Flag Rules and Regulations.

How do you start?

We have put together a comprehensive system for helping you achieve your Red Flags compliance quickly and easily. It includes the ability to alert all visitors and consumers at your web site that you are Red Flags Compliant, which instills confidence and a sense of security for your customers.

After you enroll in our Red Flags Compliant program, you will be provided the web code to proudly display all information regarding your compliance.

Red Flags Compliant
Make sure to Bookmark the Site
Contact Us: getcompliant@gmail.com

Red Flag Rules-Who Must be Compliant

We believe there is too little news and too little clarification
about the FTC Red Flag Compliance Rules...what are the
Red Flags Rules...and who must be Compliant under the rules?


All U.S. businesses and financial institutions must comply with the Fair and Accurate Transactions Act of 2003, known as FACTA or The FACT Act, which includes guidelines known as the Red Flag regulations, intended to combat identity theft for consumer accounts.

The FTC mandated compliance to be complete by
November 1^st, 2008 and FTC Enforcement of the
Red Flag Rules is set to begin November 1, 2009.

Businesses who must comply

Businesses that must comply are:

banks credit unions mortgage brokers auto dealers debt collection agencies

Red Flags Data Sheet

More Businesses who must comply

• credit issuers

• utility companies

• telecommunication companies

• health care companies

• ... in short, any company using any consumer's credit report.

Special Webinar with Lee Holden,
National Red Flags Compliance Expert

We hope you can Join Us!

please register now for Tues 8/18

Tue, Aug 18, 2009 8:30 PM - 9:30 PM EDT

• Red Flags Compliant Guide
• What are the 26 Red Flags of Lending?
• 
  

Getting Started with your Red Flags Compliance
http://order.redflagscompliant.com

Contact Us: getcompliant@gmail.com

Red Flag Rules Compliance

All U.S. businesses and financial institutions must soon be in Compliance with the Fair and Accurate Transactions Act of 2003, known as FACTA. It includes guidelines known as the Red Flag regulations-The Red Flag Rules, which are intended to combat identity theft for consumer accounts.

Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 (applies to Red Flag Compliance in 2009).

The President signed the FACT Act into law on December 4, 2003

The FACT Act added several new provisions to the Fair Credit Reporting Act of 1970 (FCRA), 15 U.S.C. 1681 et seq. Section 114 of the FACT Act, 15 U.S.C. 1681m(e), amends section 615 of the FCRA, and directs the Agencies to issue joint regulations and guidelines regarding the detection, prevention, and mitigation of identity theft, including special regulations requiring debit and credit card issuers to validate notifications of changes of address under certain circumstances.

Federal Register / Vol. 72, No. 217 / Friday, November 9, 2007 / Rules and Regulations

You may view the entire 59 page Federal Register regarding
the Red Flags Rules or download the PDF


Identity Theft Rules

For More Information on Red Flag Rules Compliance
and Free Guide to Red Flags

Contact Us: getcompliant@gmail.com