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#1 04-12-2018 01:30:22

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In an effort to decrease car buyer identity theft Cheap Shaquille O'Neal Jersey , the FTC implemented the “Red Flag Rules” in 2010 for all dealerships that offer credit. A red flag is a pattern, practice or specific activity that indicates the possibility of identity theft. The Red Flags Policy Program ensures that dealerships use reasonable policies and procedures to detect, prevent and mitigate the risk of identity theft. Here are four keys to developing a Red Flag Policy Program that works for your dealership:

Complying with Existing Regulations

When preparing to implement the FTC's Red Flag Rules, it's crucial to ensure that your dealership is already providing the required privacy notice to customers and that you already have information safeguards in place. Protecting your customer's personal information is your first priority.

Training Employees to Maintain a Red Flag Policy Program

After appointing one person to coordinate the process of designing, implementing Cheap Tim Hardaway Jersey , maintaining and developing a written program, it is essential to educate employees regarding how to detect and respond to red flag indicators. In addition, explain how they should respond once an identity theft has indeed occurred.

Updating a Red Flag Policy Program

Your dealership's red flag program must include a regularly scheduled review and update each quarter and the results must be reported to the owners. The program must also be flexible enough to be updated when owners need to incorporate new indicators of identity theft or to respond to problems highlighted by the program's implementation.

Overseeing a Red Flag Policy Program

The Red Flag rules specifically require that the development, implementation and oversight of the program be overseen by the owners of the dealership. The easiest way to begin implementing the mandatory compliance training at your dealership and to maintain a program that stays FTC compliant, is by finding regulatory compliance software that does the work for you.

Compli Cheap Dwyane Wade Jersey , a leading provider of human resources and compliance management solutions, offers training courses and electronic documents that enable managers at all levels to view real-time reporting on employee completed policies, forms and trainings and compliance levels by department.

The Compli Red Flags Rule Compliance Toolkit was developed in consultation with Hudson Cook, LLP, a leading provider of legal services to the consumer finance industry. The Compli Toolkit provides businesses with tools to draft Cheap Chris Bosh Jersey , implement, train, monitor and report on their unique Red Flags program. "


SAN FRANCISCO, Oct. 13 (Xinhua) -- A new study illustrates the dramatic climatic shifts wrought by the rise of new mountain ranges and chronicles how Central Asia dried out over the last 23 million years into one of the most arid regions on the planet.


While researchers have long cited the uplift of the Tibetan Plateau and the Himalayan Mountains around 50 million years ago for blocking rain clouds' entry into Central Asia from the south, killing off much of the region's plant life Cheap Greg Oden Jersey , the new study paints a more nuanced picture of Central Asia's desertification.


""While Central Asia was probably never lush and verdant, it was certainly greener 23 million years ago and probably even greener in the more distant past,"" said Jeremy Kesner Caves, a doctoral student at Stanford University's School of Earth, Energy & Environmental Sciences and the lead author of the study published online in the journal Geology.


The researchers arrived at their conclusions after measuring a particular isotope Cheap Derrick Williams Jersey , or version, of carbon in buried, ancient soil samples. The isotope speaks to the dryness of conditions at the time of the soil's deposition. Wetter, rainier conditions allow for greater numbers of organisms, including plants and soil-dwelling bacteria Cheap Chris Andersen Jersey , to thrive and pull carbon out of their surroundings to fuel their growth and metabolism, leaving telltale isotopes in their environment.


Caves and his co-authors looked at samples over extensive geographic and temporal spans in order to draw a fuller portrait of the climatic changes influencing soil composition. ""Our paper is the first-ever attempt to present maps of carbon isotopes over a geologic time frame of more than a million years,"" he was quoted as saying in a news release from Stanford.


He and several co-authors traveled to Mongolia, eastern Kazakhstan and northern China to collect the bulk of 171 new soil samples, while Russian co-authors collected samples near Lake Baikal. The new specimens were considered alongside more than 2 Cheap Danny Granger Jersey ,200 previously collected samples. Because most of those existing samples originated from the Tibetan Plateau, the research team plugged a gap in the geographical coverage by going to little-studied northern Central Asia.


Overall, the samples were well-distributed from 23 million to 2.6 million years ago during a geological period known as the Neogene. The Earth's climate cooled off substantially as the Neogene wore on, setting the stage for an Ice Age when glaciers crept from polar regions into lower latitudes. The samples ""are honestly pretty boring,"" Caves said. ""They look and feel like dirt."" But the rocky outcrops exposing the old Cheap Ray Allen Jersey , hardened soil chunks can dazzle. ""The outcrops are striped deep purple, red and green, and they often erode in crazy patterns.""


Upon analysis, the samples' carbon isotope values revealed an exceptionally arid region deep in Asia's interior going back 23 million years, initially ringed by areas of higher rainfall. Starting about five million years ago Cheap LeBron James Jersey , however, that dry region expanded to the north and west, as new mountain ranges reached heights sufficient to block westerly winds from delivering moisture.


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