[Code of Federal Regulations]
[Title 16, Volume 1]
[Revised as of January 1, 2005]
From the U.S. Government Printing Office via GPO Access
[CITE: 16CFR614.1]

[Page 542]
 
                     TITLE 16--COMMERCIAL PRACTICES
 
                   CHAPTER I--FEDERAL TRADE COMMISSION
 
PART 614_APPROPRIATE PROOF OF IDENTITY--Table of Contents
 
Sec. 614.1  Appropriate proof of identity.




Sec.
614.1 Appropriate proof of identity.

    Authority: Pub. L. 108-159, sec. 112(b).


    (a) Consumer reporting agencies shall develop and implement 
reasonable requirements for what information consumers shall provide to 
constitute proof of identity for purposes of sections 605A, 605B, and 
609(a)(1) of the Fair Credit Reporting Act. In developing these 
requirements, the consumer reporting agencies must:
    (1) Ensure that the information is sufficient to enable the consumer 
reporting agency to match consumers with their files; and
    (2) Adjust the information to be commensurate with an identifiable 
risk of harm arising from misidentifying the consumer.
    (b) Examples of information that might constitute reasonable 
information requirements for proof of identity are provided for 
illustrative purposes only, as follows:
    (1) Consumer file match: The identification information of the 
consumer including his or her full name (first, middle initial, last, 
suffix), any other or previously used names, current and/or recent full 
address (street number and name, apt. no., city, state, and zip code), 
full 9 digits of Social Security number, and/or date of birth.
    (2) Additional proof of identity: copies of government issued 
identification documents, utility bills, and/or other methods of 
authentication of a person's identity which may include, but would not 
be limited to, answering questions to which only the consumer might be 
expected to know the answer.

[69 FR 63934, Nov. 3, 2004]

[[Page 543]]