Public Comment ID Theft Red Flags American Bankers Association, Washington, DC

1120 Connecticut Avenue, NW Washington, DC 20036 1-800-BANKERS www.aba.com By electronic delivery World-Class Solutions, Leadership & Advocacy Since 1875 14 September 2006 Office of the Comptroller of the Regulation Comments, Currency Chief Counsel’s Office Nessa Feddis Senior Federal Counsel 250 E Street, SW. Office of Thrift Supervision Phone: 202-663-5433 Public Reference Room, Mail Stop 1700 G Street, NW. Nfeddis@aba.com 1–5 Washington, DC 20552 Washington, DC 20219 Attention: No. 2006–19 regs.comments@occ.treas.gov regs.comments@ots.treas.gov Jennifer J. Johnson, Secretary Mary F. Rupp, Board of Governors of the Federal Secretary of the Board Reserve System National Credit 20th Street and Constitution Union Administration Avenue, NW. 1775 Duke Washington, DC 20551 Street, Alexandria, Virginia 22314– regs.comments@federalreserve.gov 3428 regcomments@ncua.gov Robert E. Feldman, Executive Federal Trade Commission/Office Secretary of the Secretary Attention: Comments Room H–135 (Annex M) Federal Deposit Insurance 600 Pennsylvania Avenue, NW. Corporation Washington, DC 20580 550 17th Street, NW. Washington, DC 20429 Comments@FDIC.gov Re: Joint proposal rulemaking Implementation of Sections 114 and 315 of the FACT Act Identity Theft Red Flag guidelines OCC Docket No. 06-07; FRB Docket No. R-1255; FDIC RIN 3064-AD00; OTS No. 2006-19; NCUA (No Docket Number); FTC RIN 3084-AA94 71 Federal Register 40786, 18 July 2006 Ladies ...