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PS-05.A.22 - Identity Theft Prevention - Red Flags Program Policy

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EFFECTIVE DATE: August 02, 2019

ISSUE #: 3

PRESIDENT: Dr. Loren J. Blanchard

1. PURPOSE

This policy statement establishes the policy and procedures designed to detect, prevent and mitigate identity theft in connection with covered accounts pursuant to the Federal Trade Commission's ("FTC") Red Flags Rule, which implements Section 114 and 315 of the Fair and Accurate Credit Transactions Act of 2003. This Program was developed with oversight and approval of the University of Houston-System Board of Regents and in conjunction with the SAM 01.C.14, Identity Theft. After consideration of the size and complexity of the university's operations and account systems, and the nature and scope of the university's activities, the Program outlined herein provides appropriate guidelines for University of Houston-Downtown (UHD) operations.

2. DEFINITIONS

2.1 Identity Theft: A fraud committed or attempted using the identifying information of another person without authority.

2.2 Red Flag: A pattern, practice, or specific activity that indicates the possible existence of Identity Theft.

2.3 Covered Account: Includes all student accounts or loans that are administered by the University.

2.4 Responsible Party: The individual designated with primary responsibility for oversight of the program.

2.5 Identifying information: Any name or number that may be used, alone or in conjunction with any other information, to identify a specific person, including: name, address, telephone number, social security number, date of birth, government issued driver's license or identification number, alien registration number, government passport number, employer or taxpayer identification number, student identification number, computer's Internet Protocol address, or routing code.

3. POLICY

3.1 Under the Red Flags Rule, the University is required to establish an "Identity Theft Prevention Program" tailored to its size, complexity and the nature of its operation. Each program must contain reasonable policies and procedures to:

3.1.1 Identify relevant Red Flags for new and existing covered accounts and incorporate those Red Flags into the Program

3.1.2 Detect Red Flags that have been incorporated into the Program

3.1.3 Respond appropriately to any Red Flags that are detected to prevent and mitigate Identity Theft

3.1.4 Ensure the Program is updated periodically to reflect changes in risks to students or to the safety and soundness of the student from Identity Theft.

4. PROCEDURES

4.1 Identification of Red Flags

In order to identify relevant Red Flags, the university considers the types of accounts that it offers and maintains, methods it provides to open its accounts, methods it provides to access its accounts, and its previous experiences with Identity Theft. The major operational areas that are most susceptible to Identity Theft of Students, Faculty or Staff within UHD are Employment Services (HR), Admissions and Records and Financial Aid in Student Affairs and Enrollment Management, and Student Financials in Business Affairs. The university identifies the following Red Flags in each of the listed categories:

A. Notifications and Warnings from Credit Reporting Agencies

Red Flags

(1) Report of fraud accompanying a credit report

(2) Notice or report from a credit agency of a credit freeze on an applicant

(3) Notice or report from a credit agency of an active duty alert for an applicant

(4) Receipt of a notice of address discrepancy in response to a credit report request

(5) Indication from a credit report of activity that is inconsistent with an applicant's usual pattern or activity

B. Suspicious Documents

Red Flags

(1) Identification document or card that appears to be forged, altered or inauthentic

(2) Identification document or card on which a person's photograph or physical description is not consistent with the person presenting the document

(3) Other document with information that is not consistent with existing student information

(4) Application for service that appears to have been altered or forged

C. Suspicious Personal Identifying Information

Red Flags

(1) Identifying information presented that is inconsistent with other information the student provides (example: inconsistent birth dates)

(2) Identifying information presented that is inconsistent with other sources of information (for instance, an address not matching an address on a loan application)

(3) Identifying information presented that is the same as information shown on other applications that were found to be fraudulent

(4) Identifying information presented that is consistent with fraudulent activity (such as an invalid phone number or fictitious billing address)

(5) Social security number presented that is the same as one given by another student

(6) An address or phone number presented that is the same as that of another person

(7) A person fails to provide complete personal identifying information on an application when reminded to do so

(8) A person's identifying information is not consistent with the information that is on file for the student

D. Suspicious Covered Account Activity or Unusual Use of Account

Red Flags

(1) Change of address for an account followed by a request to change the student's name

(2) Payments stop on an otherwise consistently up-to-date account

(3) Account used in a way that is not consistent with prior use

(4) Mail sent to the student is repeatedly returned as undeliverable

(5) Notice to the university that a student is not receiving mail sent by the university;

(6) Notice to the university that an account has unauthorized activity

(7) Breach in the university's computer system security

(8) Unauthorized access to or use of student account information

E. Alerts from Others

Red Flag

(1) Notice to the university from a student, Identity Theft victim, law enforcement or other person that the University has opened or is maintaining a fraudulent account for a person engaged in Identity Theft.

4.2 Detecting Red Flags

In order to detect any of the Red Flags identified above associated with the enrollment of a student, creation of a covered account or when hiring a new employee, university personnel will take the following steps to obtain and verify the identity of the person opening the account:

A. Require certain identifying information such as name, date of birth, academic records, home address or other identification

B. Verify the student's identity at time of issuance of student identification card (review of driver's license or other government-issued photo identification)

C. Verify the identification of students if they request information (in person, via telephone, via facsimile, via email)

D. Verify the validity of requests to change billing addresses by mail or email and provide the student a reasonable means of promptly reporting incorrect billing address changes; and initiate an email to each student's UHD Gatormail account that verifies any address changes made online to the Student's Account

E. Verify changes in banking information given for billing and payment purposes

F. Require written verification from any applicant that the address provided by the applicant is accurate at the time the request for the credit report is made to the consumer reporting agency;

G. In the event that notice of an address discrepancy is received, verify that the credit report pertains to the applicant for whom the requested report was made and report to the consumer reporting agency an address for the applicant that the university has reasonably confirmed is accurate.

4.3 Preventing and Mitigating Identity Theft and Protecting Personal Information

In the event university personnel detect any identified Red Flags, such personnel shall take one or more of the following steps, depending on the degree of risk posed by the Red Flag:

A. Prevent and Mitigate

In order to further prevent the likelihood of Identity Theft occurring with respect to Covered Accounts or to mitigate the possible damage caused by identity theft, university personnel can:

(1) Continue to monitor a Covered Account for evidence of Identity Theft

(2) Contact the student or applicant (for which a credit report was run)

(3) Change any passwords or other security devices that permit access to Covered Accounts

(4) Not open a new Covered Account

(5) Provide the student with a new student identification number

(6) Notify the Responsible Party for determination of the appropriate step(s) to take

(7) Notify law enforcement

(8) File or assist in filing a Suspicious Activities Report ("SAR")

(9) Determine that no response is warranted under the particular circumstances

B. Protect Student Identifying Information

In order to further prevent the likelihood of Identity Theft occurring with respect to Covered Accounts, the university will take the following steps with respect to its internal operating procedures to protect student identifying information:

(1) Ensure that its website is secure or provide clear notice that the website is not secure

(2) Ensure complete and secure destruction of paper documents and computer files containing student account information when a decision has been made to no longer maintain such information

(3) Ensure that office computers with access to Covered Account information are password protected

(4) Avoid use of social security numbers

(5) Ensure computer virus protection is up to date

(6) Require and keep only the kinds of student information that are necessary for university purposes

4.4 Program Administration

A. Oversight

Responsibility for developing, implementing and updating this Program lies with the UHD Assistant Vice President for Business Affairs (Responsible Party) who will make reports as directed to the University Compliance Committee. The Responsible Party will ensure appropriate training of university staff on the Program. The Responsible Party will review any staff reports regarding the detection of Red Flags and the steps for preventing and mitigating Identity Theft as well as determining which steps of prevention and mitigation should be taken in particular circumstances as well as considering periodic changes to the Program.

B. Staff Training and Reports

University staff responsible for implementing the Program shall be trained either by or under the direction of the Responsible Party in the detection of Red Flags and the responsive steps to be taken when a Red Flag is detected. University staff shall be trained, as necessary, to effectively implement the Program. University employees are expected to notify the Responsible Party once they become aware of an incident of Identity Theft or of the University's failure to comply with this Program. Training of the university staff on this program will be included as part of the Annual Mandatory Training Class "Secure Our Systems" which must be completed by all faculty and staff. When requested by the Compliance Officer, the Responsible Party for development, implementation, and administration of the Program shall report to the Compliance Committee on compliance with this Program. The report should address such issues as effectiveness of the policies and procedures in addressing the risk of identity theft in connection with the opening and maintenance of Covered Accounts, service provider arrangements, significant incidents involving identity theft and management's response, and recommendations for changes to the Program.

C. Service Provider Arrangements

In the event the university engages a service provider to perform an activity in connection with one or more Covered Accounts, the university will take the following steps to ensure the service provider performs its activity in accordance with reasonable policies and procedures designed to detect, prevent and mitigate the risk of Identity Theft.

1. Require, by contract, that service providers have such policies and procedures in place

2. Require, by contract, that service providers review the university's Program and report any Red Flags to the Program Administrator or the university employee with primary oversight of the service provider relationship

D. Non-disclosure of Specific Practices

For the effectiveness of this Identity Theft Prevention Program, knowledge about specific Red Flag identification, detection, mitigation and prevention practices may need to be limited to the Committee who developed this program and to those employees with a need to know them. Any documents that may have been produced or are produced in order to develop or implement this program that list or describe such specific practices and the information those documents contain are considered "confidential" and should not be shared with other university employees or the public. The Program Administrator shall inform the committee and those employees with a need to know the information of those documents or specific practices, which should be maintained in a confidential manner.

E. Program Updates

The Responsible Party will periodically review and update this program to reflect changes in risks to students and the soundness of the university from Identity Theft. In doing so, the Responsible Party will consider the university's experiences with Identity Theft situations, changes in Identity Theft methods, changes in Identity Theft detection and prevention methods, and changes in the university's business arrangements with other entities. After considering these factors, the Responsible Party will determine whether changes to the Program, including the listing of Red Flags, are warranted. If warranted, the program will be updated.

5. REVIEW PROCESS

Responsible Party (Reviewer): Vice President for Administration & Finance

Review: Every three years on or before August 1st.

Signed original on file in Human Resources.

6. POLICY HISTORY

Issue #1: 08/12/10

Issue #2: 08/02/19 - Reaffirmed as Issue #3

7. REFERENCES

UH System Administrative Memorandum 01.C.14

Red Flags Rule

Fair and Accurate Credit Transactions Act of 2003