SEC Extends ID Theft Protections: Same Old Safeguards Renewed
Published Date: 8/1/2025
Notice
Summary
The SEC is extending the rules that help financial companies stop identity theft. These companies must keep their anti-theft programs updated, train their staff, and double-check address changes before sending new credit or debit cards. This extension keeps things running smoothly with no new costs or deadlines, just more time to keep your info safe!
Analyzed Economic Effects
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
Mandatory identity-theft prevention programs
Section 248.201 requires SEC‑regulated entities that qualify as a "financial institution" or "creditor" and that offer or maintain covered accounts to create and periodically update an identity theft prevention Program approved by the board (or designated senior management), provide periodic staff reporting to the board, and train staff to implement the Program.
Card issuer address-change checks and notice
Section 248.202 requires SEC‑regulated credit or debit card issuers to have policies that assess the validity of a change-of-address if a replacement or additional card request follows soon after the change, and to notify the cardholder at the previous address or other agreed method before issuing the card (or instead assess the change under the issuer's procedures). SEC staff states it generally does not expect any SEC‑regulated entities to issue credit or debit cards.
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