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Manage Regulatory Compliance

Public sector compliance support covering identity protection, fraud and data security

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Compliance Delivered

Equifax maintains a keen and expansive grasp of the regulatory compliance landscape. Our vast internal team of respected regulatory experts ensures that the very latest legislative developments are incorporated within each of our solutions, and that clients are kept well-informed of the corresponding implications pertinent to their organizations. From employment and tax laws to consumer and fair business protections, our innovative solutions come with comprehensive expertise you can trust built right in, minimizing your agency's exposure to risk while enabling you to realize significant cost and efficiency savings.

As more transactions occur online, the issue of privacy and security for online portals and data services is center stage. The Office of Management and Budget (OMB) issued Memorandum M-04-04, E-Authentication Guidance for Federal Agencies, to help agencies provide secure electronic services that protect individual privacy. The National Institute of Standards and Technology (NIST) developed standards used by public sector and commercial businesses for remote identity proofing. Special Publication 800-63-1 addresses NIST Level 3 IDP, the highest level of remote IDP process allowable.

Equifax has successfully demonstrated full comparability with the elements and outcomes for identity proofing subscribers for electronic identity credentials at NIST Level of Assurance (LOA) 2 and LOA3 by SAFE-BioPharma, a US Government-approved Trusted Framework provider. This certification means that identity credentials can be trusted and used at known levels of assurance by any US federal entity.

NIST Level 3 IDP provides

  • A standard methodology to issue credentials to previously unknown individuals in a remote/online environment.
  • Verify that the unknown applicant can demonstrate possession of a valid government ID (driver's license or other government ID) that associates the applicant's biographic information with that ID number
  • Verify the unknown applicant has records of a financial account number that associates the applicant's biographic information with that account number
  • Confirm the address of record supplied by the applicant or confirm the ability of the applicant to receive telephone communications at a number associated with the applicant's records, while recording the applicant's voice

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