Course Overview
Reporting fraud to appropriate agencies is essential to member protection and regulatory compliance. This course covers reporting procedures, requirements, and resources for credit unions in Texas.
Learning Objectives
- Understand fraud reporting requirements
- Learn reporting timelines and procedures
- Master credit bureau dispute reporting
- Understand FCC and FBI reporting
- Learn NCUA reporting requirements
- Know member notification procedures
Course Content
Module 1: Fraud Reporting Overview (6 minutes)
Why reporting matters, agencies involved, and federal/state requirements for Texas credit unions.
Module 2: Credit Bureau Reporting (10 minutes)
How to report fraud to major credit bureaus (Equifax, Experian, TransUnion), fraud alert procedures, and credit freeze options for members.
Module 3: FCC Fraud Reporting (8 minutes)
Federal Communications Commission fraud reporting for impersonation and telecom fraud. When to report and how to file complaints.
Module 4: FBI and Law Enforcement (8 minutes)
FBI IC3 (Internet Crime Complaint Center) reporting, local law enforcement coordination, and when to escalate to federal investigation.
Module 5: NCUA and Regulatory Reporting (5 minutes)
NCUA reporting requirements for credit unions, suspicious activity reporting thresholds, and regulatory compliance documentation.
Module 6: Member Notification (3 minutes)
Member notification requirements, breach notification timelines, and resources to provide affected members.
Reporting Resources
- Equifax: www.equifax.com/fraud
- Experian: www.experian.com/fraud
- TransUnion: fraud.transunion.com
- FBI IC3: www.ic3.gov
- FCC: www.fcc.gov/complaints
- NCUA: www.ncua.gov
- IdentityTheft.gov: reportidentitytheft.ftc.gov
Key Takeaways
- Timely reporting is critical to fraud prevention
- Multiple agencies coordinate on fraud
- Member notification requirements are strict
- Documentation supports regulatory compliance