Red Flags Compliance Broker Tool Kit

This Broker Tool Kit is designed to help Mortgage Brokers understand their business compliance requirements
under the FACTA Red Flags Rule.

The Red Flags Rule, as established in June 2008 and enforced by the FTC, requires mortgage brokers to design and implement a written program to “detect, prevent and mitigate ID fraud.” Use this Tool Kit to learn about the Red Flags Rule and write your company's program (template provided).

1. Read the regulation and understand your compliance requirements, also decide which "red flags" apply to your business as a Mortgage Broker:

a. Refer to the documents under the “Red Flag Regulation Details" section
b. Refer to the “Red Flags Program Checklist” document

2. Have the tools in place to detect and mitigate the identity theft "red flags" that apply to your business (for example Informative Research Red Flags and ID Fraud Solutions)

3. Create your company’s Identity Theft Program with policies and procedures adapted from the provided tool kit (template).

Questions about this tool kit?
Call (800) 473-4633 ext. 135 or ext. 107.

BROKER TOOL KIT

Program Template
Designing a Written Identity Theft Prevention Program - Guide and Example Template
The Essentials to Get Started	Red Flag Regulation Details
Understanding The FACTA Red Flags Guidelines Writing Policies and Procedures to Meet FACTA Red Flags Requirements Red Flags Program Checklist	FACTA Red Flags List of Suggested Alerts, Notifications or Warnings from a Consumer Reporting Agency Complete Federal Rules and Regulations. Read the official FTC Business Alert for Financial Institutions and Creditors

Informative Research Red Flags and ID Fraud Solutions

Red Flags addendum to the credit report	Social security / identity verification products
Informative Research Red Flags Risk Platform product Red Flags Risk Platform report sample	ID Verify Plus product information ID Verify Plus report sample Social Security Trace product Social Security Trace report sample

Informative Research has provided the best in mortgage credit and settlement solutions for the benefit of Mortgage Brokers everywhere since 1942!

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For more information, visit www.informativeresearch.com

About Informative Research
As a leading provider of credit and mortgage-related information to the lending community since 1946, we apply our knowledge and experience to develop progressive technologies and build industry relationships that help you minimize risk, expedite the loan process and increase your profitability. In addition to our credit reporting services, rescoring programs and flood determination products, we offer you time-and-money saving connectivity with a growing list of lending channels in primary and secondary markets. We back our accurate, easy-to-use products with premier customer service and support.