<P> This definition was further clarified United States Court of Appeals For the District of Columbia Circuit in its March 4, 2010 ruling on The American Bar Association vs. Federal Trade Commission . The court affirmed Senator Dodd's statement regarding the bill that "lawyers, doctors,...and other service providers (are) no longer classified as' creditors' for the purpose of the red flags rule just because they do not receive payment in full from their clients at the time they provide their services ." </P> <P> There are many different companies that this rule applies to: this list includes, but is not limited to finance companies, automobile dealers, mortgage brokers, utility companies, and telecommunications companies; or any other company that advances funds or routinely interacts with consumer credit agencies when performing a service and receiving payment once the work is complete </P> <P> The Red Flags Rule sets out how certain businesses and organizations must develop, implement, and administer their Identity Theft Prevention Programs . The program must include four basic elements, which together create a framework to address the threat of identity theft . </P> <P> The program has four elements: </P>

What does the red flags rule require banks to establish