On November 9, 2007 the OCC, Board, FDIC, OTS, NCUA and FTC (the Agencies) jointly issued the final rules and guidelines implementing section 114 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) and final rules implementing section 315 of the FACT Act. These rules require financial institutions or creditors to develop and implement a written Identity Theft Prevention Program (the Program) to detect, prevent and mitigate identity theft in connection with covered accounts. The rules and guidelines apply to financial institutions and/or creditors such as: Banks, Credit Unions, Savings Associations, Mortgage Lenders, Mortgage Brokers, Auto Dealers, Phone Companies, Utility Companies, and Other Creditors, and require organizations to comply by November 1, 2008. CoNetrix has developed an online tool helps organizations create an Identity Theft Prevention Program document and customized online Identity Theft Red Flags employee training. Red Flag rules and guidelines are addressed in four simple steps. This enables organizations to create a complete Identity Theft Prevention Program while saving them time and resources. Subscribers of the service can simply log-in, complete a series of questions and download a customized Program document in Microsoft Word or Adobe Acrobat format. The customized training course can be accessed by employees through the integrated, web-based Learning Management System (LMS) or by simply downloading it in Microsoft PowerPoint format.