US Mortgage Lenders LLC establishes an Identity Theft Prevention Program to detect,
prevent and mitigate identity theft. The Program shall include reasonable policies and
The Program address the detection of red flags when taking of a loan
The Program shall provide appropriate responses to detected red flags to prevent and
mitigate identity theft. The response shall be commensurate with the degree of risk posed.
Appropriate responses may include:
If the organization receives a notice of address discrepancy from a nationwide consumer reporting agency indicating the address given by the consumer differs from the address contained in the consumer report, the mortgage loan originator shall take the appropriate action to form a reasonable belief that a credit report relates to the consumer for whom it was requested.
An Employee may reasonably confirm that an address is accurate by any of the following means: