For the purpose of this subchapter, the following definitions shall apply unless the context clearly indicates or requires a different meaning.
ACCOUNT. A continuing relationship established by a person with a creditor to obtain a product or service for personal, family, household or business purposes.
COVERED ACCOUNT.
(1) Any account the department offers or maintains primarily for personal, family or household purposes, that involves multiple payments or transactions; and
(2) Any other account the Department offers or maintains for which there is a reasonably foreseeable risk to customers or to the safety and soundness of the department from identity theft.
CREDITOR. The same meaning as defined in § 702 of the Equal Credit Opportunity Act, 15 U.S.C. § 1691a, and includes a person or entity that arranges for the extension, renewal or continuation of credit, including the Department.
CUSTOMER. A person or business entity that has a covered account with the Department.
DEPARTMENT. The Utility Billing Department of the town.
IDENTIFYING INFORMATION. Any name or number that may be used, alone or in conjunction with any other information, to identity 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 or unique electronic identification number.
IDENTITY THEFT. Fraud committed using the identifying information of another person.
RED FLAG. A pattern, practice or specific activity that indicates the possible existence of identity theft.
SERVICE PROVIDER. A person or business entity that provides a service directly to the town relating to or connection with a covered account.
(Res. 2011-04, passed 3-14-2011)