Text of the Federal Register Notice [256 pages, PDF] – Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003: 16 C.F.R. Part 681 (Federal Trade Commission Rule): Joint Final Rules and Guidelines of the Office of the Comptroller of the Currency, Treasury; the Board of Governors of the Federal Reserve System; the Federal Deposit Insurance Corporation; the Offfice of Thrift Supervision, Treasury; the National Credit Union Administration; and the Federal Trade Commission.