(A) The city may be a creditor pursuant to 16 CFR § 681.2 due to its provision or maintenance of covered accounts for which payment is made in arrears.
(B) Covered accounts offered to customers for the provision of city services include water, sewer and garbage services.
(C) The city has had no negative experience with identity theft related to covered accounts.
(D) The processes of opening a new covered account, restoring an existing covered account, making payment on such account, and closing an account have been identified as potential processes in which identity theft could occur.
(E) The city limits access to personal identifying information to those employees responsible for or otherwise involved in opening, closing or restoring covered accounts or accepting payment for use of covered accounts. Information provided to such employees is entered directly into the city’s computer system and is not otherwise recorded.
(F) The city determines that there is a low risk of identity theft occurring in the following ways (if any):
(1) Use by an applicant of another person’s identifying information to establish a new covered account;
(2) Use of a previous customer’s personal identifying information by another person in an effort to have service restored in the previous customer’s name;
(3) Use of another person’s credit card, bank account, or other method of payment by a customer to pay such customer’s covered account or accounts;
(4) Use by a customer desiring to restore such customer’s covered account of another person’s credit card, bank account, or other method of payment; and
(5) Use by another of a customer’s personal identifying information to close a customer’s account.
(Ord. 09-09, passed 4-20-09)