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S. 3987 · 111th Congress

Red Flag Program Clarification Act of 2010

Law · 111-319 · Dec 18, 2010
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Became law without a recorded vote. It passed by voice vote or unanimous consent, which don't record how each member voted.

JTR ThuneSponsor
1 cosponsor · 1 D
MBD Begich

1 signed on when it was introduced; the rest joined later. Cosponsors who withdrew aren't shown.

  1. Senate Introduced Nov 30, 2010
  2. Senate Passed Nov 30, 2010
  3. House Passed Dec 7, 2010
  4. President To the President Dec 9, 2010
  5. President Signed Dec 18, 2010
  6. Law Dec 18, 2010

Includes in the definition any other type of creditor as the federal agency (banking agency, National Credit Union Administration, or the Federal Trade Commission [FTC]) having authority over that creditor may determine appropriate, if the creditor offers or maintains accounts subject to a reasonably foreseeable risk of identity theft.

What it does: CRS summary · Public Law · Dec 18, 2010

(This measure has not been amended since it was introduced. The summary of that version is repeated here.)

Red Flag Program Clarification Act of 2010 - Amends the Fair Credit Reporting Act, with respect to federal agency (red flag) guidelines regarding identity theft and the users of consumer reports, to define creditor to mean one that regularly and in the ordinary course of business: (1) obtains or uses consumer reports, directly or indirectly, in connection with a credit transaction; (2) furnishes information to certain consumer reporting agencies in connection with a credit transaction; or (3) advances funds to or on behalf of a person, based on the person's obligation to repay the funds or on repayment from specific property pledged by or on the person's behalf.

Includes in the definition any other type of creditor as the federal agency (banking agency, National Credit Union Administration, or the Federal Trade Commission [FTC]) having authority over that creditor may determine appropriate, if the creditor offers or maintains accounts subject to a reasonably foreseeable risk of identity theft.

Excludes from the definition of creditor, however, any creditor that advances funds on behalf of a person for expenses incidental to a service the creditor provides to that person.


Written by the nonpartisan Congressional Research Service. All summary versions on Congress.gov

About this bill and sources

Official title: Red Flag Program Clarification Act of 2010

Latest action (Dec 18, 2010): Became Public Law No: 111-319.

Policy area: Finance and Financial Sector · Origin: Senate · Introduced: Nov 30, 2010

Official page on Congress.gov · Bill text (GovInfo) · Status record (XML)

  1. Senate Introduced Nov 30, 2010
  2. Senate Passed Nov 30, 2010
  3. House Passed Dec 7, 2010
  4. President To the President Dec 9, 2010
  5. President Signed Dec 18, 2010
  6. Law Dec 18, 2010

No recorded floor vote found.