# Identity Theft Red Flags (Regulation V)
> **US Federal Reserve System** · Final rule. · Published 2014-05-29 · Effective 2014-06-30 · 79 FR 30709
## Document
- **Document number:** 2014-12358
- **Category:** final-rule
- **Agency:** US Federal Reserve System
- **Federal Register citation:** 79 FR 30709
- **CFR reference:** 12 CFR 222
- **Publication date:** 2014-05-29
- **Effective date:** 2014-06-30
- **Docket:** Docket No. R-1484
## Abstract

The Board of Governors of the Federal Reserve System is amending its rule on identity theft "red flags" ("Red Flags rule"), which implements section 615(e) of the Fair Credit Reporting Act (FCRA). The Red Flag Program Clarification Act of 2010 (the Clarification Act) added a definition of "creditor" in FCRA section 615(e) that is specific to section 615(e). Accordingly, the final rule amends the definition of "creditor" in the Red Flags rule to reflect the definition of that term as added by the Clarification Act. The final rule also updates a cross-reference in the Red Flags rule to reflect a statutory change in rulemaking authority.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2014/05/29/2014-12358/identity-theft-red-flags-regulation-v)
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