<Ul> <Li> One that requires financial institutions or creditors to develop and implement an Identity Theft Prevention Program in connection with both new and existing accounts . The Program must include reasonable policies and procedures for detecting, preventing, and mitigating identity theft; </Li> <Li> Another that requires users of consumer reports to respond to Notices of Address Discrepancies that they receive; and </Li> <Li> A third that places special requirements on issuers of debit or credit cards to assess the validity of a change of address if they receive notification of a change of address for a consumer's debit or credit card account and, within a short period of time afterward they receive a request for an additional or replacement card for the same account . </Li> </Ul> <Li> One that requires financial institutions or creditors to develop and implement an Identity Theft Prevention Program in connection with both new and existing accounts . The Program must include reasonable policies and procedures for detecting, preventing, and mitigating identity theft; </Li> <Li> Another that requires users of consumer reports to respond to Notices of Address Discrepancies that they receive; and </Li> <Li> A third that places special requirements on issuers of debit or credit cards to assess the validity of a change of address if they receive notification of a change of address for a consumer's debit or credit card account and, within a short period of time afterward they receive a request for an additional or replacement card for the same account . </Li>

Under the fact act amendments to the fcra all inconsistent provisions under state law were preempted