"COVERED ACCOUNT."
(1) A City of Morehead, Kentucky Customer Utility Account (garbage services) that the city 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 City of Morehead offers or maintains for which there is a reasonably foreseeable risk to customers or to the safety and soundness of the creditor from identity theft, including financial, operational, compliance, reputation or litigation risks.
"IDENTITY THEFT." Fraud committed or attempted using the identifying information of another person without authority.
"RED FLAG." A pattern, practice or specific activity that indicates the possible existence of identity theft.
(Ord. 41-2008, passed 11-10-08)