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FDIC Consumer News - Spring 2003

Important Update: Changes in FDIC Deposit Insurance Coverage

The FDIC deposit insurance rules have undergone a series of changes starting in the fall of 2008. As a result, certain previously published information related to FDIC insurance coverage may not reflect the current rules. For details about the changes, visit Changes in FDIC Deposit Insurance Coverage. For more information about FDIC insurance, go to www.fdic.gov/deposit/deposits/index.html or call toll-free 1-877-ASK-FDIC (1-877-275-3342). For the hearing-impaired, the number is 1-800-925-4618.

Special Report on Fraud

Who to Call to Report a Financial Crime

If you think you're a victim of a financial crime or if you notice anything suspicious, immediately get to the phone and call:

  • The police. Get a copy of any police report or case number for later reference.
  • Your bank, credit card company or other financial institution that may need to know. Close accounts that have been fraudulently accessed or opened.
  • The fraud department at any one of the three major credit bureaus—Equifax at 800-525-6285, Experian at 888-397-3742 and TransUnion at 800-680-7289. The credit bureau you contact will share the information with the other two and a "fraud alert" will be placed in your credit file at all three companies so that lenders or other users of your credit records can avoid opening a fraudulent account in your name. You'll also receive a free credit report from all three companies so you can look for fraudulent entries. The three companies also pledge to work with you to delete any fraudulent information in your file.
Note: If you become aware of anyone using your identity, also notify the Federal Trade Commission (call toll-free 877-ID-THEFT or 877-438-4338, or go to www.consumer.gov/idtheft). The FTC shares complaints with other law enforcement agencies.

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Last Updated 06/18/2003 communications@fdic.gov