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1 <br /> <br />by the customer with information obtained from a consumer reporting agency, <br />public database, or other source. <br />B. <br />When Opening a Covered Account for a Business Customer (such as a <br />corporation, partnership, or trust) <br />i. The Department will obtain the following information from the customer: <br />a. Name <br />b. Street Address <br />c. Address of Principal Place of Business <br />ii. The Department will then verify the identity of the customer before the <br />Covered Account is opened or within a reasonable time after the Covered <br />Account is opened through documents showing the existence of the entity, <br />such as certified articles of incorporation, agovernment-issued business <br />license, a partnership agreement, or trust instrtunent. <br />C <br />When Dealing With Existing Covered Accounts <br />i. The Department will authenticate customers who request information about <br />their Covered Account or who request a change of mailing address by asking <br />them provide their name, address, date of birth (if an individual), and an <br />authenticating password (if one has been established by the Customer and the <br />Department) and then comparing the provided information with that <br />information on file for the Customer. <br />ii. The Department will monitor transactions to detect the Red Flags listed in <br />Section III. <br />V. <br />RESPONSE TO RED FLAGS <br />The Department shall respond appropriately to the detection of a Red Flag identified in <br />Section III of this Program such that the response is commensurate with the degree of <br />risk posed. The director of the Department or his/her designee shall decide the <br />appropriate response under the guidance of this Program. <br />A. Appropriate Responses <br />Appropriate responses for the detection of a Red Flag associated with an <br />existing Covered Account may include the following: <br />a. Monitoring a Covered Account for evidence of identity theft; <br />b. Contacting the customer; <br />c. Changing an authenticating password that may have been established for <br />the Covered Account; <br />d. Closing an existing Covered Account; <br />e. Not attempting to collect on a Covered Account or not selling a Covered <br />Account to a debt collector; <br />f. Notifying law enforcement; <br />F-12 <br />RM 3/26/2009 5 <br />Attachment number 1 <br />Page 208 of 320 <br />i <br />r <br /> <br />i] <br /> <br />f <br />C <br />7 <br />i <br />r <br />c' <br /> <br />~J <br /> <br />