§ 2-294. Definitions.

The following words, terms and phrases, when used in this division, shall have the meanings ascribed to them in this section, except where the context clearly indicates a different meaning:

Covered account means:

(1)

An account that a financial institution or creditor offers or maintains, primarily for personal, family or household purposes that involves or is designed to permit multiple payments or transactions, such as a credit card account, mortgage loan, automobile loan, margin account, cell phone account, utility account, checking account or savings account; and

(2)

Any other account that the financial institution or creditor offers or maintains for which there is a reasonably foreseeable risk to customers or to the safety and soundness of the financial institution or creditor from identity theft, including financial, operational, compliance, reputation or litigation risks.

Credit means the right granted by a creditor to a debtor to defer payment of a debt or to incur debt and defer its payment or to purchase property or services and defer payment therefor.

Creditor.

(1)

The term "creditor" means:

a.

Any person who regularly extends, renews or continues credit;

b.

Any person who regularly arranges for the extension, renewal or continuation of credit; or

c.

Any assignee of an original creditor who participates in the decision to extend, renew or continue credit.

(2)

The term "creditor" includes utility companies and telecommunications companies.

Customer means a person that has a covered account with a creditor.

Identity theft means a fraud committed or attempted using identifying information of another person without authority.

Personal identifying information.

(1)

The term "personal identifying information" means a person's credit card account information, debit card information, bank account information and driver's license information.

(2)

For a natural person, the term "personal identifying information" includes their social security number, mother's birth name and date of birth.

Red flag means a pattern, practice or specific activity that indicates the possible existence of identity theft.

Service provider means a person that provides a service directly to the city.

(Ord. No. 2009-02, § 2(10-202), 5-4-2009)