T2. FACT Act: This topic will provide the learner with an in-depth overview of provisions required by the Fair and Accurate Credit Transactions Act of 2003 (FACT Act).
T3. Detecting Identity Theft: This topic will define identity theft and provide the learner with examples of how identity theft occurs, in addition to providing a list of identity theft red flags and strategies for preventing identity theft at the institution.
T4. Adverse Action and Prescreening: This topic will define adverse action under the FCRA and ECOA. This topic also provides an overview of the prescreening process and statements of disclosures that are required when offers of credit are made based on a prescreened list.