COVERED ACCOUNT:
A. 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 saving accounts; and
B. Any other account that the financial institution or creditor offers or maintains for which there is a reasonably foreseeable risk to the customer or to the safety and soundness of the financial institution or creditor from identity theft, including financial, operational, compliance, reputation or litigation risks.
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 internet protocol address, or routing code.
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. (2019 Compilation)