The University of North Texas (“University” or “UNT”) will develop, maintain and update an Identity Theft Prevention Program (“Program”) to detect, prevent, and mitigate Identity Theft in accordance with the Federal Trade Commission’s “Red Flags Rule” (16 CFR §681). The Federal Trade Commission (“FTC”) requires certain entities, including universities, to adopt a Program to help prevent identity theft. FTC regulations related to Identity Theft prevention are part of the Fair and Accurate Credit Transactions Act and are collectively known as the Red Flags Rule. In compliance with the Red Flags Rule, UNT’s Program is designed to better assist UNT units and departments in identifying someone who may try to use another individual’s identity to gain access to Covered Accounts at UNT. UNT’s Program is designed to detect, prevent and mitigate Identity Theft in connection with the opening of a Covered Account or any existing Covered Account.