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The Address Discrepancy rule requires a user of a consumer report (credit report) to develop and implement reasonable policies and procedures to enable the user to deal with an address discrepancy. These requirements are narrower than the Red Flag rule for creditors. However, applicability of the address discrepancy requirement may affect a broader class of health care provider (and health insurers) than the Red Flag rule.

The Red Flag rule represents an important opportunity for the health care sector to protect consumers and patients from the impacts of medical and other forms of identity theft.

Robert Gellman is a privacy and information policy consultant based in Washington, DC. .

Pam Dixon is the executive director of the World Privacy Forum. .

Following is a reproduction of the Guidelines and Supplement to the Red Flag and Address Discrepancy Rules. The rulemakings may be found at Federal Trade Commission et al., Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003, 72 Fed. Reg. (Nov. 9, 2007), .

This guide to online job sites is a list of the top job searching sites online. This list gives information about the privacy practices at each site. Because resumes contain such detailed personal and professional information, it is well worth caring about how job search sites handle privacy issues. This guide is updated monthly, and we add new information to the guide monthly.