83 FR 63604 - Identity Theft Rules
FEDERAL TRADE COMMISSION Federal Register Volume 83, Issue 237 (December 11, 2018)
Federal Register Volume 83, Issue 237 (December 11, 2018)
| Page Range | 63604-63606 | |
| FR Document | 2018-26609 |
[Federal Register Volume 83, Number 237 (Tuesday, December 11, 2018)] [Proposed Rules] [Pages 63604-63606] From the Federal Register Online [www.thefederalregister.org] [FR Doc No: 2018-26609] ======================================================================= ----------------------------------------------------------------------- FEDERAL TRADE COMMISSION 16 CFR Part 681 RIN 3084-AB50 Identity Theft Rules AGENCY: Federal Trade Commission. ACTION: Request for public comment. ----------------------------------------------------------------------- SUMMARY: The Federal Trade Commission (``FTC'' or ``Commission'') requests public comment on its Identity Theft Rules. The Commission is soliciting comment as part of the FTC's systematic review of all current Commission regulations and guides. DATES: Comments must be received on or before February 11, 2019. ADDRESSES: Interested parties may file a comment online or on paper by:Online: Write ``Identity Theft Rules, 16 CFR part 681, Project No. 188402'' on [[Page 63605]] your comment and file your comment at https://ftcpublic.commentworks.com/ftc/identitytheftrulesreview by following the instructions on the web-based form. Paper: Write ``Identity Theft Rules, 16 CFR part 681, Project No. 188402'' on your comment and on the envelope and mail your comment to the following address: Federal Trade Commission, Office of the Secretary, 600 Pennsylvania Avenue NW, Suite CC-5610 (Annex B), Washington, DC 20580, or deliver your comment to the following address: Federal Trade Commission, Office of the Secretary, Constitution Center, 400 7th Street SW, 5th Floor, Suite 5610 (Annex B), Washington, DC 20024. See the Instructions for Submitting Comments part of the SUPPLEMENTARY INFORMATION section below for additional information. FOR FURTHER INFORMATION CONTACT: Stacy Procter, Western Region--Los Angeles Office, Bureau of Consumer Protection, Federal Trade Commission, 10990 Wilshire Blvd., Suite 400, Los Angeles, CA 90024, (310) 824-4300, or Amanda Koulousias, Division of Privacy and Identity Protection, Bureau of Consumer Protection, Federal Trade Commission, 600 Pennsylvania Avenue NW, Washington, DC 20580, (202) 326-3334. SUPPLEMENTARY INFORMATION: I. Background The Fair and Accurate Credit Transactions Act (``FACTA'') was enacted in December 2003.\1\ Section 114 of FACTA amended section 615 of the Fair Credit Reporting Act (``FCRA'') and required the Commission and other federal agencies to establish and maintain guidelines for financial institutions and creditors to identify patterns, practices and activities that might indicate identity theft.\2\ FACTA also required the Commission and other federal agencies to prescribe regulations requiring financial institutions and creditors to establish reasonable policies and procedures for implementing the established guidelines.\3\ In addition, FACTA required the Commission and other federal agencies to prescribe regulations requiring debit and credit card issuers to validate notifications of changes of address under certain situations.\4\ --------------------------------------------------------------------------- \1\ Public Law 108-159, 117 Stat. 1952 (codified as amended at 15 U.S.C. 1681-1681x). \2\ 15 U.S.C. 1681m(e)(1)(A), (e)(2). The other federal agencies include the Federal banking agencies, the National Credit Union Administration, the Commodity Futures Trading Commission (``CFTC'') and the Securities and Exchange Commission (``SEC''). The CFTC and SEC obtained regulatory authority in July 2010 pursuant to the Dodd Frank Wall Street Reform and Consumer Protection Act. Public Law 111-203, 124 Stat. 1376-2223. \3\ 15 U.S.C. 1681m(e)(1)(B). \4\ 15 U.S.C. 1681m(e)(1)(C). --------------------------------------------------------------------------- In November 2007, the Commission and banking agencies published final rules and guidelines implementing the red flags provisions of section 615 of the FCRA.\5\ These rules include the duties regarding the detection, prevention, and mitigation of identity theft (``Red Flags Rule'') \6\ and the duties of card issuers regarding changes of address (``Card Issuers Rule'') \7\ (collectively, the ``Identity Theft Rules'' or ``Rules''). In December 2010, the President signed the Red Flag Program Clarification Act (``Clarification Act''), which narrowed the scope of entities covered as a ``creditor'' under the Red Flags Rule.\8\ The Clarification Act also empowers the Commission and other federal agencies to determine through rulemaking whether any other type of creditor should be subject to the Red Flags Rule based on whether such creditor offers or maintains accounts with a reasonably foreseeable risk of identity theft.\9\ --------------------------------------------------------------------------- \5\ 72 FR 63718. \6\ 16 CFR 681.1. \7\ 16 CFR 681.2. \8\ Public Law 111-319, 124 Stat. 3457 (codified at 15 U.S.C. 1681m(e)(4)). The Clarification Act retains the definition of ``creditor'' from section 702 of the Equal Credit Opportunity Act (``ECOA''), 15 U.S.C. 1691a, but generally limits application of the Red Flags Rule to ECOA creditors that engage in certain conduct regularly and in the ordinary course of business. \9\ 15 U.S.C. 1681m(e)(4)(C). --------------------------------------------------------------------------- The Red Flags Rule requires each ``financial institution'' and ``creditor'' subject to the Commission's enforcement authority to periodically determine whether it maintains ``covered accounts,'' and to develop and maintain a written Identity Theft Prevention Program (``Program'') to detect, prevent and mitigate identity theft in connection with the opening or existence of any ``covered account.'' \10\ Financial institutions or creditors that are required to implement a Program must administer the Program in accordance with the Red Flags Rule, consider the guidelines set forth in appendix A, and include in their Program those guidelines that are appropriate.\11\ The Card Issuers Rule requires that debit or credit card issuers establish and implement reasonable policies and procedures to assess the validity of a change of address request if, within a short period of time after receiving the request, the card issuer receives a request for an additional or replacement card for the same account.\12\ The Card Issuers Rule further prohibits a card issuer from issuing an additional or replacement card until it has (1) notified the cardholder of the request and provided a reasonable means for the cardholder to promptly report an incorrect address change, or (2) otherwise assessed the validity of the address change.\13\ Card issuers within the FTC's jurisdiction include, for example, state credit unions, general retail merchandise stores, colleges and universities, and telecoms. --------------------------------------------------------------------------- \10\ 16 CFR 681.1(c)-(d). \11\ 16 CFR 681.1(e)-(f). \12\ 16 CFR 681.2(c). \13\ Id. --------------------------------------------------------------------------- II. Regulatory Review of the Identity Theft Rules The Commission periodically reviews all of its rules and guides. These reviews seek information about the costs and benefits of the agency's rules and guides, and their regulatory and economic impact. The information obtained assists the Commission in identifying those rules and guides that warrant modification or rescission. Therefore, the Commission solicits comments on, among other things, the economic impact and benefits of the Identity Theft Rules; possible conflict between the Identity Theft Rules and state, local, or other federal laws or regulations; and the effect on the Identity Theft Rules of any technological, economic, or other industry changes. III. Issues for Comment The Commission requests written comment on any or all of the following questions. These questions are designed to assist the public and should not be construed as a limitation on the issues about which public comments may be submitted. The Commission requests that responses to its questions be as specific as possible, including a reference to the question being answered, and refer to empirical data or other evidence upon which the comment is based whenever available and appropriate. A. General Issues 1. Is there a continuing need for specific provisions of the Rules? Why or why not? 2. What benefits have the Rules provided to consumers? What evidence supports the asserted benefits? 3. What modifications, if any, should be made to the Rules to increase the benefits to consumers? a. What evidence supports the proposed modifications? [[Page 63606]] b. How would these modifications affect the costs the Rules impose on businesses, including small businesses? 4. What significant costs, if any, have the Rules imposed on consumers? What evidence supports the asserted costs? 5. What modifications, if any, should be made to the Rules to reduce any costs imposed on consumers? a. What evidence supports the proposed modifications? b. How would these modifications affect the benefits provided by the Rules? 6. What benefits, if any, have the Rules provided to businesses, including small businesses? What evidence supports the asserted benefits? 7. What modifications, if any, should be made to the Rules to increase their benefits to businesses, including small businesses? a. What evidence supports the proposed modifications? b. How would these modifications affect the costs the Rules impose on businesses, including small businesses? c. How would these modifications affect the benefits to consumers? 8. What significant costs, if any, including costs of compliance, have the Rules imposed on businesses, including small businesses? What evidence supports the asserted costs? 9. What modifications, if any, should be made to the Rules to reduce the costs imposed on businesses, including small businesses? a. What evidence supports the proposed modifications? b. How would these modifications affect the benefits provided by the Rules? 10. What evidence is available concerning the degree of industry compliance with the Rules? 11. What modifications, if any, should be made to the Rules to account for changes in relevant technology or economic conditions? What evidence supports the proposed modifications? 12. Do the Rules overlap or conflict with other federal, state, or local laws or regulations? If so, how? a. What evidence supports the asserted conflicts? b. With reference to the asserted conflicts, should the Rules be modified? If so, why, and how? If not, why not? B. Specific Issues 1. Do the guidelines in appendix A of the Red Flags Rule need updating? If so, what updates should be made? a. What evidence supports the proposed modification? b. [Reserved] 2. The Red Flags Rule covers creditors that regularly and in the ordinary course of business: (1) Obtain or use consumer reports in connection with a credit transaction; (2) furnish information to consumer reporting agencies in connection with a credit transaction; or (3) advance funds to or on behalf of a person, based on an obligation of the person to repay the funds or repayable from specific property pledged by or on behalf of the person, unless the expenses for which the funds are advanced are incidental to a service the creditor provides to that person. Is there any other type of creditor that is not subject to the Red Flags Rule that offers or maintains accounts that are subject to a reasonably foreseeable risk of identity theft? a. If so, what type of creditor and what evidence supports that conclusion? b. [Reserved] IV. Instructions for Submitting Comments You can file a comment online or on paper. For the Commission to consider your comment, we must receive it on or before February 11, 2019. Write ``Identity Theft Rules, 16 CFR part 681, Project No. 188402'' on the comment. Your comment, including your name and your state, will be placed on the public record of this proceeding, including, to the extent practicable, on the public Commission website, at https://www.ftc.gov/policy/public-comments. As a matter of discretion, the Commission tries to remove individuals' home contact information from comments before placing them on the Commission website. Because your comment will be made public, you are solely responsible for making sure that your comment does not include any sensitive personal information, such as a Social Security number, date of birth, driver's license number or other state identification number or foreign country equivalent, passport number, financial account number, or payment card number. You are also solely responsible for making sure that your comment does not include any sensitive health information, such as medical records or other individually identifiable health information. In addition, do not include any ``[t]rade secret or any commercial or financial information which is . . . privileged or confidential,'' as discussed in Section 6(f) of the FTC Act, 15 U.S.C. 46(f), and FTC Rule 4.10(a)(2), 16 CFR 4.10(a)(2). In particular, do not include competitively sensitive information such as costs, sales statistics, inventories, formulas, patterns, devices, manufacturing processes, or customer names. If you want the Commission to give your comment confidential treatment, you must file it in paper form, with a request for confidential treatment, and you must follow the procedure explained in FTC Rule 4.9(c), 16 CFR 4.9(c). In particular, the written request for confidential treatment that accompanies the comment must include the factual and legal basis for the request, and must identify the specific portions of the comments to be withheld from the public record. Your comment will be kept confidential only if the FTC General Counsel grants your request in accordance with the law and the public interest. Postal mail addressed to the Commission is subject to delay due to heightened security screening. As a result, we encourage you to submit your comment online. To make sure that the Commission considers your online comment, you must file it at https://ftcpublic.commentworks.com/ftc/identitytheftrulesreview by following the instructions on the web- based form. If this document appears at https://www.regulations.gov, you also may file a comment through that website. If you file your comment on paper, write ``Identity Theft Rules, 16 CFR part 681, Project No. 188402'' on your comment and on the envelope, and mail your comment to the following address: Federal Trade Commission, Office of the Secretary, 600 Pennsylvania Avenue NW, Suite CC-5610 (Annex B), Washington, DC 20580, or deliver your comment to the following address: Federal Trade Commission, Office of the Secretary, Constitution Center, 400 7th Street SW, 5th Floor, Suite 5610 (Annex B), Washington, DC 20024. Visit the Commission website at https://www.ftc.gov to read this document and the news release describing it. The FTC Act and other laws that the Commission administers permit the collection of public comments to consider and use in this proceeding as appropriate. The Commission will consider all timely and responsive public comments that it receives on or before February 11, 2019. For information on the Commission's privacy policy, including routine uses permitted by the Privacy Act, see https://www.ftc.gov/site-information/privacy-policy. By direction of the Commission. Donald S. Clark, Secretary. [FR Doc. 2018-26609 Filed 12-10-18; 8:45 am] BILLING CODE 6750-01-P
![63604 Federal Register / Vol. 83, No. 237 / Tuesday, December 11, 2018 / Proposed Rules
VOR are VOR Federal airways V–113, portion of the existing route will remain Authority: 49 U.S.C. 106(f), 106(g); 40103,
V–137, V–485. as charted. 40113, 40120; E.O. 10854, 24 FR 9565, 3 CFR,
With the planned decommissioning of V–485: V–485 currently extends 1959–1963 Comp., p. 389.
the Priest VOR, the remaining ground- between the Ventura, CA, VOR/DME to § 71.1 [Amended]
based NAVAID coverage in the area is the San Jose, CA, VOR/DME. The FAA
■ 2. The incorporation by reference in
insufficient to enable the continuity of plans to delete the segment between the
14 CFR 71.1 of FAA Order 7400.11C,
the affected airways. As such, proposed Fellows, CA, VOR/DME and the San
Airspace Designations and Reporting
modifications to V–113, V–137, and V– Jose, CA, VOR/DME. The new route will
Points, dated August 13, 2018 and
485 would result in gaps in the route end at the Fellows, CA, VOR/DME. The
effective September 15, 2018, is
structures. unaffected portion of the existing route
amended as follows:
To overcome the gap in V–113, will remain as charted.
instrument flight rules (IFR) traffic Domestic VOR Federal Airways in Paragraph 6010(a) Domestic VOR Federal
could use adjacent VOR Federal airways paragraph 6010 of FAA Order 7400.11C Airways
V–248 and V–107 between the Paso dated August 13, 2018, and effective
September 15, 2018, which is V–113 (Amended)
Robles, CA, VORTAC and the Panoche,
incorporated by reference in 14 CFR From Morro Bay, CA; to Paso Robles, CA.
CA, VORTAC. From Panoche, CA; to Linden, CA; INT
V–137 is proposed to terminate at the 71.1. The Domestic VOR Federal
Airways listed in this document will be Linden 046°(T) 029°(M) and Mustang, NV,
Avenal, CA, VOR/DME instead of the 208°(T) 192°(M) radials; Mustang; 42 miles,
Salinas, CA, VORTAC (current route subsequently published in the Order. 24 miles, 115 MSL, 95 MSL, Sod House, NV;
termination point). Alternate course to Regulatory Notices and Analyses 67 miles, 95 MSL, 85 MSL, Rome, OR; 61
reach the Salinas, CA, VORTAC is to file miles, 85 MSL, Boise, ID; Salmon, ID;
The FAA has determined that this Coppertown, MT; Helena, MT; to Lewistown,
V–248. proposed regulation only involves an MT.
V- 485 is proposed to terminate at the established body of technical
Fellows, CA, VOR/DME instead of the * * * * *
regulations for which frequent and
San Jose, CA, VOR/DME (current route routine amendments are necessary to V–137 (Amended)
termination point). Alternate course to keep them operationally current. It, From Mexicali, Mexico; via Imperial, CA;
reach San Jose, CA, VOR/DME is to file therefore: (1) Is not a ‘‘significant INT Imperial 350°(T) 336°(M) and Thermal,
V–25. Additionally, ATS route T–333 is regulatory action’’ under Executive CA 144°(T) 131°(M) radials; Palm Springs,
proposed to be extended as part of Order 12866; (2) is not a ‘‘significant CA; Palmdale, CA; Gorman, CA; Avenal, CA.
another rulemaking action that will The airspace within Mexico is excluded.
rule’’ under Department of
mitigate the loss of V–485. Transportation (DOT) Regulatory * * * * *
Lastly, IFR traffic could file point to Policies and Procedures (44 FR 11034; V–485 (Amended)
point through the affected area using February 26, 1979); and (3) does not From Ventura, CA; to Fellows, CA. The
fixes that will remain in place, or warrant preparation of a regulatory airspace within W–289 and R–2519 more
receive air traffic control (ATC) radar evaluation as the anticipated impact is than three (3) statute miles west of the airway
vectors through the area. Visual flight so minimal. Since this is a routine centerline and the airspace within R–2519
rules pilots who elect to navigate via the matter that will only affect air traffic below 5,000 feet MSL is excluded.
airways through the affected area could procedures and air navigation, it is Issued in Washington, DC, on December 3,
also take advantage of the adjacent VOR certified that this proposed rule, when 2018.
Federal airways or ATC services listed promulgated, will not have a significant Rodger A. Dean Jr.,
previously. economic impact on a substantial Manager, Airspace Policy Group.
The Proposal number of small entities under the [FR Doc. 2018–26679 Filed 12–10–18; 8:45 am]
criteria of the Regulatory Flexibility Act. BILLING CODE 4910–13–P
The FAA is proposing an amendment
to Title 14 Code of Federal Regulations Environmental Review
(14 CFR) part 71 to modify Domestic This proposal will be subject to an
VOR Federal Airways (V–113, V–137 environmental analysis in accordance FEDERAL TRADE COMMISSION
and V–485). The proposed route with FAA Order 1050.1F, 16 CFR Part 681
changes are outlined below. ‘‘Environmental Impacts: Policies and
V–113: V–113 currently extends Procedures’’ prior to any FAA final RIN 3084–AB50
between the Morro Bay, CA, VORTAC to regulatory action.
the Lewistown, MT, VOR/DME. The Identity Theft Rules
List of Subjects in 14 CFR Part 71
FAA plans to delete the segment AGENCY: Federal Trade Commission.
between the Paso Robles, CA, VORTAC Airspace, Incorporation by reference,
ACTION: Request for public comment.
and the Panoche, CA, VORTAC causing Navigation (air).
a gap in the route. The new route will The Proposed Amendment SUMMARY: The Federal Trade
stop at the Paso Robles, CA, VORTAC Commission (‘‘FTC’’ or ‘‘Commission’’)
In consideration of the foregoing, the requests public comment on its Identity
and resume at the Panoche, CA,
Federal Aviation Administration Theft Rules. The Commission is
VORTAC. The unaffected portion of the
proposes to amend 14 CFR part 71 as soliciting comment as part of the FTC’s
existing route will remain as charted.
follows:
amozie on DSK3GDR082PROD with PROPOSALS1
V–137: V–137 currently extends systematic review of all current
between Mexicali, Mexico via the PART 71—DESIGNATION OF CLASS A, Commission regulations and guides.
Imperial, CA, VORTAC to the Salinas, B, C, D, AND E AIRSPACE AREAS; AIR DATES: Comments must be received on
CA, VORTAC. The FAA plans to delete TRAFFIC SERVICE ROUTES; AND or before February 11, 2019.
the segment between the Avenal, CA, REPORTING POINTS ADDRESSES: Interested parties may file a
VOR/DME and the Salinas, CA, comment online or on paper by:
VORTAC. The new route will end at the ■ 1. The authority citation for part 71 • Online: Write ‘‘Identity Theft Rules,
Avenal, CA, VOR/DME. The unaffected continues to read as follows: 16 CFR part 681, Project No. 188402’’ on
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![63606 Federal Register / Vol. 83, No. 237 / Tuesday, December 11, 2018 / Proposed Rules
b. How would these modifications of business: (1) Obtain or use consumer If you want the Commission to give
affect the costs the Rules impose on reports in connection with a credit your comment confidential treatment,
businesses, including small businesses? transaction; (2) furnish information to you must file it in paper form, with a
4. What significant costs, if any, have consumer reporting agencies in request for confidential treatment, and
the Rules imposed on consumers? What connection with a credit transaction; or you must follow the procedure
evidence supports the asserted costs? (3) advance funds to or on behalf of a explained in FTC Rule 4.9(c), 16 CFR
5. What modifications, if any, should person, based on an obligation of the 4.9(c). In particular, the written request
be made to the Rules to reduce any costs person to repay the funds or repayable for confidential treatment that
imposed on consumers? from specific property pledged by or on accompanies the comment must include
a. What evidence supports the behalf of the person, unless the the factual and legal basis for the
proposed modifications? expenses for which the funds are request, and must identify the specific
b. How would these modifications advanced are incidental to a service the portions of the comments to be withheld
affect the benefits provided by the creditor provides to that person. Is there
from the public record. Your comment
Rules? any other type of creditor that is not
will be kept confidential only if the FTC
6. What benefits, if any, have the subject to the Red Flags Rule that offers
Rules provided to businesses, including General Counsel grants your request in
or maintains accounts that are subject to
small businesses? What evidence a reasonably foreseeable risk of identity accordance with the law and the public
supports the asserted benefits? theft? interest.
7. What modifications, if any, should a. If so, what type of creditor and Postal mail addressed to the
be made to the Rules to increase their what evidence supports that Commission is subject to delay due to
benefits to businesses, including small conclusion? heightened security screening. As a
businesses? b. [Reserved] result, we encourage you to submit your
a. What evidence supports the IV. Instructions for Submitting comment online. To make sure that the
proposed modifications? Comments Commission considers your online
b. How would these modifications comment, you must file it at https://
affect the costs the Rules impose on You can file a comment online or on ftcpublic.commentworks.com/ftc/
businesses, including small businesses? paper. For the Commission to consider
identitytheftrulesreview by following the
c. How would these modifications your comment, we must receive it on or
instructions on the web-based form. If
affect the benefits to consumers? before February 11, 2019. Write
this document appears at https://
8. What significant costs, if any, ‘‘Identity Theft Rules, 16 CFR part 681,
Project No. 188402’’ on the comment. www.regulations.gov, you also may file
including costs of compliance, have the a comment through that website.
Rules imposed on businesses, including Your comment, including your name
small businesses? What evidence and your state, will be placed on the If you file your comment on paper,
supports the asserted costs? public record of this proceeding, write ‘‘Identity Theft Rules, 16 CFR part
9. What modifications, if any, should including, to the extent practicable, on 681, Project No. 188402’’ on your
be made to the Rules to reduce the costs the public Commission website, at comment and on the envelope, and mail
imposed on businesses, including small https://www.ftc.gov/policy/public- your comment to the following address:
businesses? comments. As a matter of discretion, the Federal Trade Commission, Office of the
a. What evidence supports the Commission tries to remove individuals’ Secretary, 600 Pennsylvania Avenue
proposed modifications? home contact information from NW, Suite CC–5610 (Annex B),
b. How would these modifications comments before placing them on the Washington, DC 20580, or deliver your
affect the benefits provided by the Commission website. Because your comment to the following address:
Rules? comment will be made public, you are Federal Trade Commission, Office of the
10. What evidence is available solely responsible for making sure that Secretary, Constitution Center, 400 7th
concerning the degree of industry your comment does not include any Street SW, 5th Floor, Suite 5610 (Annex
compliance with the Rules? sensitive personal information, such as B), Washington, DC 20024.
11. What modifications, if any, should a Social Security number, date of birth,
driver’s license number or other state Visit the Commission website at
be made to the Rules to account for https://www.ftc.gov to read this
changes in relevant technology or identification number or foreign country
equivalent, passport number, financial document and the news release
economic conditions? What evidence describing it. The FTC Act and other
supports the proposed modifications? account number, or payment card
number. You are also solely responsible laws that the Commission administers
12. Do the Rules overlap or conflict
for making sure that your comment does permit the collection of public
with other federal, state, or local laws or
not include any sensitive health comments to consider and use in this
regulations? If so, how?
a. What evidence supports the information, such as medical records or proceeding as appropriate. The
asserted conflicts? other individually identifiable health Commission will consider all timely
b. With reference to the asserted information. and responsive public comments that it
conflicts, should the Rules be modified? In addition, do not include any receives on or before February 11, 2019.
If so, why, and how? If not, why not? ‘‘[t]rade secret or any commercial or For information on the Commission’s
financial information which is . . . privacy policy, including routine uses
B. Specific Issues privileged or confidential,’’ as discussed permitted by the Privacy Act, see
amozie on DSK3GDR082PROD with PROPOSALS1
1. Do the guidelines in appendix A of in Section 6(f) of the FTC Act, 15 U.S.C. https://www.ftc.gov/site-information/
the Red Flags Rule need updating? If so, 46(f), and FTC Rule 4.10(a)(2), 16 CFR privacy-policy.
what updates should be made? 4.10(a)(2). In particular, do not include By direction of the Commission.
a. What evidence supports the competitively sensitive information
Donald S. Clark,
proposed modification? such as costs, sales statistics,
b. [Reserved] inventories, formulas, patterns, devices, Secretary.
2. The Red Flags Rule covers creditors manufacturing processes, or customer [FR Doc. 2018–26609 Filed 12–10–18; 8:45 am]
that regularly and in the ordinary course names. BILLING CODE 6750–01–P
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Document Created: 2018-12-11 01:06:17
Document Modified: 2018-12-11 01:06:17
| Category | Regulatory Information | |
| Collection | Federal Register | |
| sudoc Class | AE 2.7: GS 4.107: AE 2.106: | |
| Publisher | Office of the Federal Register, National Archives and Records Administration | |
| Section | Proposed Rules | |
| Action | Request for public comment. | |
| Dates | Comments must be received on or before February 11, 2019. | |
| Contact | Stacy Procter, Western Region--Los Angeles Office, Bureau of Consumer Protection, Federal Trade Commission, 10990 Wilshire Blvd., Suite 400, Los Angeles, CA 90024, (310) 824-4300, or Amanda Koulousias, Division of Privacy and Identity Protection, Bureau of Consumer Protection, Federal Trade Commission, 600 Pennsylvania Avenue NW, Washington, DC 20580, (202) 326-3334. | |
| FR Citation | 83 FR 63604 | |
| RIN Number | 3084-AB50 |
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