§ 34.63 DEFINITIONS.
   For the purpose of this subchapter, the following definitions shall apply unless the context clearly indicates or requires a different meaning:
   COVERED ACCOUNT.
      (1)   An account that the village offers or maintains, primarily for personal, family, or household purposes, that involves or is designed to permit multiple payments or transactions, such as a utility account; and
      (2)   Any other account that the village offers or maintains for which there is a reasonably foreseeable risk to customers or to the safety and soundness of the village, including financial, operational, compliance, reputation, or litigation risks.
   CREDIT. The right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefore.
   CREDITOR. Any person who regularly extends, renews, or continues credit; any person who regularly arranges for the extension, renewal, or continuation of credit; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit, including utility companies.
   CUSTOMER. A person that has a covered account with a creditor.
   IDENTITY THEFT. A fraud committed or attempted using identifying information of another person without authority.
   PERSON. A natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.
   RED FLAG. A pattern, practice, or specific activity that indicates the possible existence of identity theft.
   SENSITIVE INFORMATION. Any name or number that may be used, alone or in conjunction with any other information, to identify a specific person, including, but not limited to, a person's credit card account information, debit card information, bank account information, driver's license information, Social Security number, mother's birth name, date of birth, electronic identification number, computer Internet Protocol address, and routing code.
   SERVICE PROVIDER. A person that provides a service directly to the village.
(Res. 09-02, passed 3-2-2009)