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For the purpose of this subchapter, the following definitions shall apply unless the context clearly indicates or requires a different meaning.
(1) An account that a financial institution or creditor offers or maintains, primarily for personal, family, or household purposes that involves or is designed to permit multiple payments or transactions. COVERED ACCOUNTS include credit card accounts, mortgage loans, automobile loans, margin accounts, cell phone accounts, utility accounts, checking accounts and savings accounts; and
(2) Any other account that the financial institution or creditor offers or maintains for which there is a reasonably foreseeable risk to customers or to the safety and soundness of the financial institution or creditor from identity theft, including financial, operational, compliance, reputation or litigation risks.
IDENTIFY THEFT. Fraud committed or attempted using the identifying information of another person without authority.
IDENTIFYING INFORMATION. Any name or number that may be used, alone or in conjunction with any other information, to identify a specific person, including, name, address, telephone number, Social Security number, date of birth, government-issued driver’s license or identification number, alien registration number, government passport number, employer or taxpayer identification number, unique electronic identification number, computer’s internet protocol address or routing code.
RED FLAG. A pattern, practice or specific activity that indicates the possible existence of identity theft.
(Board and Administrative Policies Manual, § 4.75)