{"abstract":"The OCC, Board, FDIC, OTS, NCUA and FTC (the Agencies) are jointly issuing final rules and guidelines implementing section 114 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) and final rules implementing section 315 of the FACT Act. The rules implementing section 114 require each financial institution or creditor to develop and implement a written Identity Theft Prevention Program (Program) to detect, prevent, and mitigate identity theft in connection with the opening of certain accounts or certain existing accounts. In addition, the Agencies are issuing guidelines to assist financial institutions and creditors in the formulation and maintenance of a Program that satisfies the requirements of the rules. The rules implementing section 114 also require credit and debit card issuers to assess the validity of notifications of changes of address under certain circumstances. Additionally, the Agencies are issuing joint rules under section 315 that provide guidance regarding reasonable policies and procedures that a user of consumer reports must employ when a consumer reporting agency sends the user a notice of address discrepancy.","action":"Joint final rules and guidelines.","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"},{"raw_name":"Office of Thrift Supervision","name":"Thrift Supervision Office","id":489,"url":"https://www.federalregister.gov/agencies/thrift-supervision-office","json_url":"https://www.federalregister.gov/api/v1/agencies/489","parent_id":497,"slug":"thrift-supervision-office"},{"raw_name":"NATIONAL CREDIT UNION ADMINISTRATION","name":"National Credit Union Administration","id":335,"url":"https://www.federalregister.gov/agencies/national-credit-union-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/335","parent_id":null,"slug":"national-credit-union-administration"},{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2007/11/09/07-5453.html","cfr_references":[{"chapter":null,"citation_url":null,"part":41,"title":12},{"chapter":null,"citation_url":null,"part":222,"title":12},{"chapter":null,"citation_url":null,"part":334,"title":12},{"chapter":null,"citation_url":null,"part":364,"title":12},{"chapter":null,"citation_url":null,"part":571,"title":12},{"chapter":null,"citation_url":null,"part":717,"title":12},{"chapter":null,"citation_url":null,"part":681,"title":16}],"citation":"72 FR 63718","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"The joint final rules and guidelines are effective January 1, 2008. The mandatory compliance date for this rule is November 1, 2008.","disposition_notes":null,"docket_ids":["Docket ID OCC-2007-0017","Docket No. R-1255","Docket No. OTS-2007-0019"],"dockets":[],"document_number":"07-5453","effective_on":"2008-01-01","end_page":63775,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2007/11/09/07-5453.xml","html_url":"https://www.federalregister.gov/documents/2007/11/09/07-5453/identity-theft-red-flags-and-address-discrepancies-under-the-fair-and-accurate-credit-transactions","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/07-5453?publication_date=2007-11-09","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2007-11-09/07-5453/mods.xml","not_received_for_publication":null,"page_length":58,"page_views":{"count":5992,"last_updated":"2026-07-25 22:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2007-11-09/pdf/07-5453.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":null,"publication_date":"2007-11-09","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2007/11/09/07-5453.txt","regulation_id_number_info":{"3084-AA94":{"issue":"201110","html_url":"https://www.federalregister.gov/regulations/3084-AA94/fair-and-accurate-credit-transactions-act-of-2003","title":"Fair and Accurate Credit Transactions Act of 2003","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201110&RIN=3084-AA94&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"},"1550-AC04":null,"3064-AD00":{"issue":"200710","html_url":"https://www.federalregister.gov/regulations/3064-AD00/identity-theft-red-flags-and-address-discrepancies-under-the-fair-and-accurate-credit-transactions-a","title":"Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=200710&RIN=3064-AD00&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"},"1557-AC87":{"issue":"200710","html_url":"https://www.federalregister.gov/regulations/1557-AC87/identity-theft-detection-prevention-and-mitigation-program-for-financial-institutions-and-creditors","title":"Identity Theft Detection, Prevention, and Mitigation Program for Financial Institutions and Creditors","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=200710&RIN=1557-AC87&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["1550-AC04","1557-AC87","3064-AD00","3084-AA94"],"regulations_dot_gov_info":{"checked_regulationsdotgov_at":"2011-11-13T08:26:16Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":63718,"subtype":null,"title":"Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003","toc_doc":"Identity theft red flags and address discrepancies","toc_subject":"Fair and Accurate Credit Transactions Act:","topics":["Administrative practice and procedure","Bank deposit insurance","Banks, banking","Consumer protection","Credit","Credit unions","Holding companies","Privacy","Reporting and recordkeeping requirements","Savings associations"],"type":"Rule","volume":72}