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• Notice to the Department from a customer, identity theft victim, law enforcement or other person that it has opened or is maintaining a fraudulent account for a person engaged in identity theft. Detection of Red Flags A. New Accounts In order to detect any of the Department's Red Flags identified above associated with the opening of a new account, the Department's personnel will take the following steps to obtain and verify the identity of the person opening the account: • Require certain identifying information such as name, date of birth, residential or business address, principal place of business for an entity, driver's license or other identification; • Verify the customer's identity (for instance, review a driver's license or other picture identification card); • Review documentation showing the existence of a business entity; and • Independently contact the customer. B. Existing Accounts In order to detect any of the Red Flags identified above for an existing account, the Department's personnel will take the following steps to monitor transactions with an account: Verify the identification of customers if they request information, whether in person, via telephone, via facsimile or via e-mail; Verify the validity of requests to change billing addresses; and Verify changes in banking information given for billing and payment purposes. Response to suspected identity theft In the event that the Department's staff detect any identified Red Flags, such staff shall take one or more of the following steps, depending on the degree of risk posed by the Red Flag: • Continue to monitor an account for evidence of identity theft; • Contact the customer: • Change any passwords or other security devices that permit access to accounts; • Not open a new account; • Close an existing account; • Reopen an account with a new number; 4 40