Compliance Deadlines

Who Must Comply as of November 1st, 2008:  All Banks, Thrifts, Mortgage Lenders, Credit Unions and U.S. Branches of Foreign Banks and Lenders
Who Must Comply as of December 31st, 2010:
Other "Creditors" as defined by the Red Flag Program Clarification Act, Senate Bill 3987.  This may organizations such as Utility Companies, Telecommunications Companies, Health Care Companies, Auto Dealers, Debt Collectors and more!  Click on "Definition of Creditor" to read the complete definition.