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Consumer Protection

Please visit the following links to learn more about how to protect yourself, your family and your identity by clicking on these links below:

EMAIL Spam and
Identity Theft: What should you do if you are a victim
The Federal Trade Commission (FTC) has adopted a new rule that went into effect May 19th, requiring the warning "SEXUALLY EXPLICIT:" to be included on the subject line of spam that contains sexually oriented material.

1) CAN SPAM: Starting May 19th 2004, spam that contains sexually oriented material must include "SEXUALLY EXPLICIT:" in the subject line or its senders could face fines for violations of federal law. The notice not only will serve to inform recipients that a spam message contains sexually oriented material, but also make it easier for users to filter out messages they do not wish to receive. The rule addresses one of a series of congressional directives for the FTC, stemming from the CAN-SPAM Act, passed by Congress in December 2003. Additionally, the new rule requires the mandatory disclosure of the sender's "valid physical postal address" to be "clear and conspicuous." The FTC's news release provides more details - http://www.ftc.gov/opa/2004/04/adultlabel.htm.

For more information on Spam visit the FTC's spam home page at

This link will give you valuable information about how to deal with unwanted e-mails, a study on how spammers obtain addresses, and information about the FTC law enforcement efforts against deceptive spammers.

Identity Theft

Consumers should know:

For the fourth year in a row, identity theft topped the list, accounting for 42 percent of the complaints lodged in the FTC's Consumer Sentinel database. The FTC received more than half a million complaints in 2003, up from 404,000 in 2002, and Internet-related complaints accounted for 55 percent of all fraud reports, up from 45 percent in 2002. Hawaii dropped from 15th in 2002 to 25th in 2003 with 649 complaints. That is 51.6 complaints per 100,000 citizens.

FTC Release

What is ID Theft:

Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes.

Identity theft is a serious crime. People whose identities have been stolen can spend months or years - and their hard-earned money - cleaning up the mess thieves have made of their good name and credit record. In the meantime, victims may lose job opportunities, be refused loans, education, housing or cars, or even get arrested for crimes they didn't commit.

If you think your identity has been stolen, here's what to do now:

Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts, and all three credit reports will be sent to you free of charge.Close the accounts that you know or believe have been tampered with or opened fraudulently.

Use the ID Theft Affidavit (Get Adobe Reader)when disputing new unauthorized accounts. File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.

File your complaint with the FTC. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations.

Filing a complaint also helps us learn more about identity theft and the problems victims are having so that we can better assist you.

Resources:


www.ftc.gov/infosecurity


www.consumer.gov/idtheft


www.ftc.gov/donotcall


www.ftc.gov/crossborder


www.ftc.gov/spam


www.ftc.gov/coppa

 

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Click Here to File Complaint with Federal Trade Commision