§ 39.32 IDENTIFICATION OF RED FLAGS.

   (A)   In order to identify relevant red flags, the City Administrator considers the types of accounts that the city offers and maintains, the methods provided to open accounts, the methods provided to access accounts and previous experiences with identity theft.

   (B)   The City Administrator identifies the following red flags in each of the listed categories:

      (1)   Red flag notifications and warnings from consumer credit reporting agencies;

      (2)   Report of fraud accompanying a consumer credit report;

      (3)   Notice or report from a consumer credit agency of a credit freeze on a customer or applicant;

      (4)   Notice or report from a consumer credit agency of an active duty alert for an applicant; and

      (5)   Indication from a consumer credit report of activity that is inconsistent with a customer’s usual pattern or activity, including, but not limited to:

         (a)   Recent and significant increase in volume of inquiries;

         (b)   Unusual number of recent credit applications;

         (c)   A material change in use of credit; and

         (d)   Accounts closed for cause or abuse.

(2012 Code, § 2-502)