United States · Law · S
S. 3987 (111th)
Red Flag Program Clarification Act of 2010
Introduced
30 November 2010
Last action
—
Status
Became Public Law No: 111-319.
Sponsors
—
Subjects
Discovery layer
Source updated
5 December 2025
Summary
Red Flag Program Clarification Act of 2010 - Amends the Fair Credit Reporting Act, with respect to federal agency (red flag) guidelines regarding identity theft and the users of consumer reports, to define creditor to mean one that regularly and in the ordinary course of business: (1) obtains or uses consumer reports, directly or indirectly, in connection with a credit transaction; (2) furnishes information to certain consumer reporting agencies in connection with a credit transaction; or (3) advances funds to or on behalf of a person, based on the person's obligation to repay the funds or on repayment from specific property pledged by or on the person's behalf. Includes in the definition any other type of creditor as the federal agency (banking agency, National Credit Union Administration, or the Federal Trade Commission [FTC]) having authority over that creditor may determine appropriate, if the creditor offers or maintains accounts subject to a reasonably foreseeable risk of identity theft. Excludes from the definition of creditor, however, any creditor that advances funds on behalf of a person for expenses incidental to a service the creditor provides to that person.
This text is taken from the official record. PoliticalRepo does not editorialize.
Timeline
No timeline events have been ingested for this record yet.
Votes
No vote records are attached yet.
Versions
No version snapshots stored. Document URLs remain at the source.
Documents
14 official files
Enrolled Bill (text)
Enrolled Bill · EN
Enrolled Bill (PDF)
Enrolled Bill · EN
Public Law (text)
Public Law · EN · 18 December 2010
Public Law (PDF)
Public Law · EN · 18 December 2010
Public Law
summary · EN · 18 December 2010
Passed House without amendment
summary · EN · 7 December 2010
Referred in House (text)
Referred in House · EN · 1 December 2010
Referred in House (PDF)
Referred in House · EN · 1 December 2010
Engrossed in Senate (text)
Engrossed in Senate · EN · 30 November 2010
Engrossed in Senate (PDF)
Engrossed in Senate · EN · 30 November 2010
Considered and Passed Senate (text)
Considered and Passed Senate · EN · 30 November 2010
Considered and Passed Senate (PDF)
Considered and Passed Senate · EN · 30 November 2010
Passed Senate without amendment
summary · EN · 30 November 2010
Introduced in Senate
summary · EN · 30 November 2010
Sponsors
No sponsors or actors listed by the source.
Related records
No cross-record relationships stored yet.
Sources
PoliticalRepo is an index and interpretation layer, not the authoritative legal source.
- Official source: https://www.congress.gov/bill/111th-congress/senate-bill/3987
- Open data entity: https://api.congress.gov/v3/bill/111/s/3987