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Highlights:

• On November 15, 2007, the �౦��Ϸ���� issued a final rule and guidelines addressing identity theft red flags, address discrepancies, and change of address requests (see FIL-100-2007 , dated November 15, 2007).
• The �౦��Ϸ���� has published the attached FAQs to assist financial institutions in conforming with the regulation and guidelines.
• The FAQs are divided into four sections and include answers to questions concerning:
• the scope of the regulation,
• the definition of "covered account," the definition of "service provider,"
• types of notices of address discrepancy that trigger the rule, and
• furnishing a confirmed address to a consumer reporting agency.

Distribution:
�౦��Ϸ����-Supervised Banks (Commercial and Savings)

Suggested Routing:
Chief Compliance Officer
Chief Information Security Officer

Note:
�౦��Ϸ���� financial institution letters (FILs) may be accessed from the �౦��Ϸ����'s Web site at www.fdic.gov/news/financial-institution-letters/2009/index.html

To receive FILs electronically, please visit http://www.fdic.gov/about/subscriptions/fil.html .

Paper copies of �౦��Ϸ���� financial institution letters may be obtained through the �౦��Ϸ����'s Public Information Center, 3501 Fairfax Drive, E-1002, Arlington, VA 22226 (1-877- 275-3342 or 703-562-2200).