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The program shall provide for appropriate responses to detected red flags to prevent and mitigate identity theft. The response shall be commensurate with the degree of risk posed. Appropriate responses may include:
(a) Monitor a covered account for evidence of identity theft;
(b) Contact the customer;
(c) Change any passwords, security codes or other security devices that permit access to a covered account;
(d) Reopen a covered account with a new account number;
(e) Not open a new covered account;
(f) Close an existing covered account;
(g) Notify law enforcement; or
(h) Determine no response is warranted under the particular circumstances.
(Ord. 109-09. Passed 7-13-09.)
The program shall be updated periodically to reflect changes in risks to customers or to the safety and soundness of the organization from identity theft based on factors such as:
(a) The experiences of the organization with identity theft;
(b) Changes in methods of identity theft;
(c) Changes in methods to detect, prevent and mitigate identity theft;
(d) Changes in the types of accounts that the organization offers or maintains;
(e) Changes in the business arrangements of the organization, including mergers, acquisitions, alliances, joint ventures and service provider arrangements.
(Ord. 109-09. Passed 7-13-09.)
The Utility Billing Department shall take steps to ensure that the activity of a service provider is conducted in accordance with reasonable policies and procedures designed to detect, prevent and mitigate the risk of identity theft whenever the organization engages a service provider to perform an activity in connection with one or more covered accounts.
(Ord. 109-09. Passed 7-13-09.)
(a) The Utility Billing Department shall develop policies and procedures designed to enable the organization to form a reasonable belief that a credit report relates to the consumer for whom it was requested if the organization receives a notice of address discrepancy from a nationwide consumer reporting agency indicating the address given by the consumer differs from the address contained in the consumer report.
(b) The Utility Billing Department may reasonably confirm that an address is accurate by any of the following means;
(1) Verification of the address with the consumer;
(2) Review of the utility's records;
(3) Verification of the address through third-party sources; or
(4) Other reasonable means.
(c) If an accurate address is confirmed, the Utility Billing Department shall furnish the consumer's address to the nationwide consumer reporting agency from which it received the notice of address discrepancy if:
(1) The City establishes a continuing relationship with the consumer; and
(2) The City, regularly and in the ordinary course of business, furnishes information to the consumer reporting agency.
(Ord. 109-09. Passed 7-13-09.)