Red Flag

The Red Flags Rule was created by the Federal Trade Commission (FTC), along with other government agencies such as the National Credit Union Administration (NCUA), to help combat identity theft.

SettlementOne’s solution includes a Proof of Identity (POI) report that is run only on the first bureau per consumer. POI clearly displays potential Red Flags in an easy-to-read format. If the user is unable to rule out the potential flags, optional Out-of-Wallet questions can be used to further assist in detecting a potential case of identity theft.

SettlementOne’s Red Flag service also provides clients with a Policy and Procedures manual that can be customized based on your dealership’s individual needs, as required by the FTC. As policy changes occur, updates are sent out automatically.


  • FTC-compliant solution for combating identity theft
  • Proof of Identity report in easy-to-read format
  • Option for Out-of-Wallet questions to be included
  • FTC-mandated Policy and Procedures manual can be customized for individual deanship needs

Pull quote: Online staff training for Red Flag is available to NCC dealer clients 24/7.