[jessaustin]

Yes we know. Often it has links to authoritative/reliable/substantive sources. I was particularly interested in seeing those for the last section [0] I referenced above, because it's the one that actually agrees with TFA, but at this time that section is effectively unsourced. So even though this idea about the red flags rule comports with my prejudice about how regulation typically works, I am currently unable to confirm it. Can you point to a meatier consideration of whether this rule purportedly intended to decrease identity theft actually had this particular effect of increasing identity theft? One thing that makes me suspicious of this idea is that I can clearly remember giving a false social security number to the phone company when I moved in 2004, which was before 2008 when TFA claims the rule started and 2011 when wikipedia claims the rule started.

[0] https://en.wikipedia.org/wiki/Red_Flags_Rule#Red_Flag_Rule_a...