Posted: January 31st, 2023

Hello I need some help with the attached, please save as paper or paper 6

Hello I need some help with the attached, please save as paper or paper 6

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Afer having reviewed many tradiTonal Forms oF white collar crime during the course, we end the
course with a look towards the Future.
Although idenTty thef has been a popular topic in recent
years, it exponenTal growth warrants our study oF it here.
±hus, I have selected two readings recently
published, one From Police ChieF magazine (the o²cial publicaTon oF the InternaTonal AssociaTon oF
ChieFs oF Police) and the second From the ³BI Law EnForcement BulleTn (the o²cial publicaTon oF the
³BI).
I did this to provide each oF you with an example oF what current police pracTToners and
decision makers are ge´ng sent to their desks so that you have a Feel For what is currently happening
in law enForcement.
As current oF Future law enForcement pracTToners, what are your responses to these two arTcles?
What is you view oF the Future oF this issue?
What can the police do to combat it?
What about
individual responsibility to protect oneselF From becoming a vicTm?
A Chief’s View:Identity Theft:Resources for Police
By Stephen White, Chief of Police, Doylestown Township, Pennsylvania, and Monique
Einhorn, Attorney, Identity Theft Program, Federal Trade Commission, Washington, D.C.
identity theft seems to be on everyone’s radar screen. A 2003 study by the Federal Trade
Commission found that identity theft affects almost 10 million consumers a year. Most
states have enacted their own identity theft laws to assist law enforcement fight this
crime.
When Congress criminalized identity theft in October 1998, it directed the Federal Trade
Commission (FTC) to establish a national program that included a centralized complaint and
education service for victims of identity theft. Today, the FTC’s Identity Theft Program attacks
the crime on three fronts: it coordinates victim assistance and education efforts; it assists law
enforcement by providing investigative resources and facilitating information sharing; and it
promotes prevention efforts and best practices through industry outreach. These resources
can make it easier for police to work with victims and investigate the crime. (continued on page
38)
What’s New

View the Answer

The Fair and Accurate Credit Transactions Act (FACT Act), a new federal
law, provides identity theft victims with important new rights and remedies.
Although the identity theft provisions are mostly directed at victims’ recovery, they affect how
police officers deal with this pernicious crime. The law makes police reports more important
than ever as a tool to help victims recover. That is because the new rights and remedies-such
as blocking fraudulent trade lines on credit reports and obtaining the suspect’s credit
application-are available only to victims who present a police report to help prove that they are
victims of fraud.
One provision of the FACT Act that simplifies the investigation of identity crime relates to the
documents used to open fraudulent accounts. For example, if a company extends credit to a
suspect using the victim’s personal information, the victim now can obtain the identity theft
related transaction records at no charge from that company-but only if the victim provides a
copy of a police report and other required documentation. Law enforcement also benefit
because investigators can get these documents without a subpoena if a victim authorizes, in
writing, that the business send a copy of the records directly to the officer.
Police reports are the first step in helping identity theft victims clear their names and recover
from identity theft. Here’s what happens after a victim obtains a police report:
Credit bureaus must block the reporting of inaccurate information identified by the
victim as resulting from identity theft.
Businesses where fraudulent accounts were opened must give victims (and police, at
the victim’s written request) copies of applications and business records relating to
transactions that the victim identifies as resulting from identity theft. This means that
law enforcement agencies can obtain these documents without a subpoena.
Certain information on a credit report that a victim claims is inaccurate because of
identity theft can no longer be reported by a business to a credit reporting company.
The big three nationwide credit reporting companies (Experian, Equifax, and
TransUnion) must place an extended fraud alert in the victim’s credit file for seven
years. It entitles the victim to free credit reports.
FTC Resources for Helping Victims
Because prevention is always the first line of defense, the FTC has created
a virtual library of information about identity theft for the general public, as
well as for law enforcement. These materials are available to police departments as they
coordinate community outreach efforts. Local law enforcement outreach efforts to address
identity theft can lead to real results. Law enforcement officers can take the following steps:

Direct victims to the FTC’s ID theft Web site at
www.consumer.gov/idtheft
, where they
can learn how to minimize the effects of the fraud, and find the ID theft affidavit.

Advise consumers to read ID Theft: What’s It All About? and Take Charge: Fighting
Back against Identity Theft. They can use the affidavit when disputing fraudulent
accounts with the nationwide credit reporting companies or a business that extended
credit to a suspect using the victim’s name. Many companies and all three credit
reporting companies accept the affidavit.

Order publications and the affidavit from
publications@ftc.gov. The
publications also
are available on CD-ROM; agencies can print them with their own logo.

Download the materials on the FTC’s Web site in English or Spanish.

Encourage victims to file identity theft complaints with the FTC online at

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