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					 Volume 4, Issue 4                                                                                                                   Fall 2009

         Prepared and distributed by
           Janet Holley, Escambia
         County Tax Collector, in an
          effort to provide customer                       This is the first electronic edition of the Escambia County Tax
                   education.                              Collector’s newsletter, Dealer Dispatch. Newsletters will be
                                                           posted to our website www.escambiataxcollector.com each
  Your feedback to Dealer Dispatch
                                                           quarter under our newly-developed section created for our dealer
      is not only welcomed, it is
    encouraged. Please contact                             friends...Dealer Corner. If you would like to receive a copy of
           Dawn Mustain at                                 the newsletter via email automatically, please send your request
 ectc@escambiataxcollector.com or                          to ectc@escambiataxcollector.com.
 850-438-6500 with your comments
           and suggestions.
                                                           Be sure to check out Dealer Corner for important information
                                                           and updates.
        INCLUDED
     IN THIS ISSUE...
                                                             FIGHTING FRAUD WITH THE RED FLAGS RULE
1........................Electronic Newsletter
                                                                                 A How-to Guide for Business
1..... Fighting Fraud with Red Flags Rule
1............................ Tag Talk Reminder                                            Who Must Comply?
2.................................................. FAQs   The Red Flags Rule applies to “financial institutions” and “creditors.” The Rule
                                                           requires you to conduct a periodic risk assessment to determine if you have “covered
2.................. Office Hours & Locations               accounts.” You need to implement a written program only if you have covered
3.............. CARS Nationwide Statistics                 accounts.
3.......................... Dates to Remember              Financial Institutions:
                                                           The Red Flags Rule defines a “financial institution” as a state or national bank, a state
4...............Red Flags Rule (continued)
                                                           or federal savings and loan association, a mutual savings bank, a state or federal
4.............................. Dealer Thank You           credit union, or any other person that, directly or indirectly, holds a transaction
                                                           account belonging to a consumer. Banks, federally-chartered credit unions, and sav-
                                                           ings and loan associations come under the jurisdiction of the federal bank regulatory
                                                           agencies and/or the National Credit Union Administration. Check with those agencies
                                                           for guidance tailored to those businesses. The remaining financial institutions come
           Our offices                                     under the jurisdiction of the FTC. Examples of financial institutions under the FTC’s
          will be closed:                                  jurisdiction are state-chartered credit unions, mutual funds that offer accounts with
                                                           check writing privileges, or other institutions that offer accounts where the consumer
       November 11 to observe                              can make payments or transfers to third parties.
          Veterans’ Day;                                                                                                 Continued on page 4...
       November 26 and 27 for
     the Thanksgiving holiday;                                 Reminder: Tag Talk No Longer Available
       December 24 and 25 for
    the Christmas holiday; and                             We no longer are able to provide access to the Florida Department
      January 1 to observe New                             of Motor Vehicles information through the Tag Talk system. We
                                                           encourage you to visit www.flhsmv.gov/data/internet2.html for a list
           Year’s Day;                                     of companies throughout the State of Florida that provide similar
                                                           services for a fee.


                                                            Where service is a matter of pride.
                                                                    Dealer Dispatch 1
 Do you have questions you’d like to see answered in future issues?                         OFFICE HOURS & LOCATIONS
   Send your questions to dmustain@escambiataxcollector.com.
Q: Now that there is a fee for the printing of titles, can we still request them to be
                                                                                                       Downtown
   printed on www.flhsmv.gov website, or do we have to request through tax                          213 Palafox Place
   collector’s office?                                                                          Mon-Fri 8:30 AM—5:00 PM
A: Beginning September 1, 2009, a $2.50 paper title service and handling fee will
   be charged whenever the customer requests to have a title printed and mailed                      Marcus Pointe
   by the Department.       From http://www.flhsmv.gov/html/emt.htm you can                       6451 North W Street
   navigate to the Dealer Access for Printing Titles link and begin processing any
                                                                                               Mon-Fri 8:30 AM—5:00 PM
   electronic titles you need converted and mailed to your office after the
   customer trades the vehicle in to your dealership.                                         Open ‘til 6:00 PM Tue and Thu
    All of this information is entered into a secure website verified by Verisign.
                                                                                                     (please, no dealer
    You can see that the website is secure in the bottom area of your web                       transactions after 5:00 PM)
    browser. You will see a       padlock icon in yellow. All information, including
    credit card numbers, is encrypted.                                                                Warrington
       Your license number will be requested along with your confidential PIN.
                                                                                                 507 N. Navy Boulevard
       You will enter it as follows:                                                            Mon-Fri 8:30 AM – 5:00 PM
       License Type:   VF or VI
                                                                                                  Open ‘til 6:00 PM Mon
       License Number: 1005555 example
       Suffix:         This is usually a "1" or "2" on end of your license number                     Cantonment
                       and denotes the location of your dealership if you have                     470 S. Highway 29
                       multiple locations. If you only have one location, your
                                                                                                Mon-Fri 8:30 AM – 5:00 PM
                       license number should end in "1."
       PIN:            This is your four-digit confidential PIN.                                  Open ‘til 6:00 PM Wed

    After entering your dealership information, you will be requested to enter either the Florida title or the VIN along with the
    customer’s date of birth or the business’s zip code. Proceed through the last few steps to print title by verifying information and
    entering your method of payment.
    If you cannot access the State's website or your dealership prefers not to process online with credit card payments, then
    electronic titles may still be printed in our office. Additionally, you have the option to have the Department print and mail the title
    to the customer or to your dealership for $2.50, or it can be printed in our office as a fast title for the charge of $10.00 per
    transaction.
    Lastly, you will need to account for the $2.50 paper title shipping and handling fee when calculating fees for your customer,
    unless they are recording a lienholder that is verified as an electronic lienholder with the State of Florida.

Q: I have heard dealers have to issue temporary license plates to all motor vehicles they sell, even if the purchaser has a metal plate
   to transfer to the new vehicle. Is this true?
A: The 2009 Legislature amended s.320.131, F.S., requiring Florida licensed independent dealers to issue temporary license plates
   to all motor vehicles they sell, even if the purchaser has a metal plate to transfer to the new vehicle.
    Beginning October 1, 2009 through June 30, 2010, independent dealers will be required to issue a temporary tag in all
    motor vehicle sales until you have processed the metal plate transfer onto the newly purchased vehicle. Once the
    paperwork is processed and the new registration issued, the customer may place their metal tag on the vehicle. Until
    then, they must display the temporary tag as directed by the Department on the back on the vehicle where the metal
    plate would be held.
    By July 1, 2010, the Department of Motor Vehicle must allow dealers to enter transfer plate information into the DMV system at
    the time of sale. This will be done through a third party provider, much like is used for the Electronic Filing System (EFS) and the
    print-on-demand tag is processed. With this system, the transfer may be completed while processing the customer’s sale, and
    the plate may be placed on the customer’s vehicle before they drive off the lot. This is because the third party provider systems
    update the information on the DHSMV database real time, thus showing that the customer’s tag has been lawfully transferred to
    the purchased vehicle. This will prevent customers from receiving traffic tickets for improperly registered vehicle(s).
    Both of these directives also will assist law enforcement with obtaining correct registration information at all times from when the
    customer leaves your dealership to the time the paperwork is processed and completed.

                                     What is a vampire’s favorite mode of transportation?
                                                           Answer: A blood vessel!!!


                                                  Where service is a matter of pride.
                                                          Dealer Dispatch 2
                                                                             DATES TO
                                                                            REMEMBER
Have you been wondering how the
Cash for Clunkers program turned                                               November 1
                                                                          2009 tax bills mailed and
out nationwide? Following are some                                       tax roll open for collection;
statistics from www.about.com.                                             delinquent business tax
                                                                        receipt assessed 15% penalty
Dealer Transactions                                                           November 11
Number submitted: 690,114                                                Tax Collector offices closed
Dollar Value: $2.87 billion                                            in observance of Veterans’ Day

                                                                          November 26 and 27
                                                                         Tax Collector offices closed
Vehicles Purchased by Category       Vehicle Trade-in by Category       for the Thanksgiving holidays
• Passenger Cars: 404,046            • Passenger Cars: 109,380
                                                                              November 30
• Category 1 Truck: 231,651          • Category 1 Truck: 450,778         End of 4% discount to pay
• Category 2 Truck: 46,836           • Category 2 Truck: 116,909               property taxes
• Category 3 Truck: 2,408            • Category 3 Truck: 8,134
                                                                          December 24 and 25
                                                                         Tax Collector offices closed
                                                                         for the Christmas holidays
 Requested Voucher Dollar Amount by State:
Alabama - $31,251,500          Montana - $6,461,000                           December 31
                                                                       Deadline to renew registrations
Alaska - $4,868,500            Nebraska - $21,784,500                    for all heavy trucks (over
Arizona - $39,542,500          Nevada - $14,582,000                     5,000 lbs empty weight) and
Arkansas - $23,402,500         New Hampshire - $23,045,500                 truck tractors; end of
California - $326,822,000      New Jersey - $103,375,500                     3% discount to pay
                                                                               property taxes
Colorado - $37,676,500         New Mexico - $13,941,500
Connecticut - $40,114,000      New York - $156,292,000                           January 1
                                                                          Tax Collector offices closed
Delaware - $11,235,000         North Carolina - $78,601,500
                                                                       in observance of New Years Day
Dist. of Columbia - $67,500    North Dakota - $8,938,000
Florida - $146,565,000         Ohio - $136,267,000                              January 18
                                                                         Tax Collector offices closed
Georgia - $70,496,000          Oklahoma - $37,422,000
                                                                         in observance of Dr. Martin
Guam - $675,000                Oregon - $37,531,500                       Luther King, Jr.’s birthday
Hawaii - $7,333,500            Pennsylvania - $138,651,500
                                                                                January 31
Idaho - $11,655,000            Puerto Rico - $2,252,000                  End of 2% discount to pay
Illinois - $143,613,000        Rhode Island - $10,690,500                      property taxes
Indiana - $65,797,000          South Carolina - $37,207,500
Iowa - $37,728,000             South Dakota - $10,367,500
Kansas - $31,496,500
Kentucky - $40,246,500
                               Tennessee - $50,949,000
                               Texas - $183,776,500
                                                                       Where does a
Louisiana - $33,376,500
Maine - $16,579,500
                               Utah - $24,102,500
                               Vermont - $9,879,000
                                                                        witch park
Maryland - $74,903,000
Massachusetts - $64,855,000
                               Virgin Islands - $1,553,000
                               Virginia - $98,523,500                  her broom?
Michigan - $132,407,500        Washington - $55,927,500
Minnesota - $73,160,500        West Virginia - $13,477,000
                                                                       Answer: In the broom closet!
Mississippi - $12,463,500      Wisconsin - $70,165,000
Missouri - $61,271,500         Wyoming - $2,513,000
                                 Where service is a matter of pride.
                                        Dealer Dispatch 3
...continued from page 1.


Creditors:
The definition of “creditor” is broad and includes businesses or organizations that regularly defer payment for goods or services or
provide goods or services and bill customers later. Utility companies, health care providers, and telecommunications companies are
among the entities that may fall within this definition, depending on how and when they collect payment for their services. The Rule
also defines a “creditor” as one who regularly grants loans, arranges for loans or the extension of credit, or makes credit decisions.
Examples include finance companies, mortgage brokers, real estate agents, automobile dealers, and retailers that offer financing or
help consumers get financing from others (for example, by processing credit applications). In addition, the definition includes anyone
who regularly participates in the decision to extend, renew, or continue credit, including setting the terms of credit (for example, a third
party debt collector who regularly renegotiates the terms of a debt). If you regularly extend credit to other businesses, you also are
covered under this definition.
Covered accounts:
Once you’ve concluded that your business or organization is a financial institution or creditor, you must determine if you have any
“covered accounts,” as the Red Flags Rule defines that term. To make that determination, you’ll need to look at both existing
accounts and new ones. Two categories of accounts are covered. The first kind is a consumer account you offer your customers
that’s primarily for personal, family, or household purposes that involves or is designed to permit multiple payments or transactions.
Examples are credit card accounts, mortgage loans, automobile loans, margin accounts, cell phone accounts, utility accounts,
checking accounts, and savings accounts. The second type of account is one where there is a foreseeable risk of identity theft (for
example, small business or sole proprietorship accounts).
                                                          How Do I Comply?
Develop a compliant Identity Theft Prevention Program...it’s a four-step process:

Step One:      Identify relevant red flags. Identify the red flags of identity theft you’re likely to come across
               in your business.

Step Two:      Detect red flags. Set up procedures to detect those red flags in your day-to-day operations.

Step Three: Prevent and mitigate identity theft. If you spot the red flags you’ve identified, respond
            appropriately to prevent and mitigate the harm done.

Step Four:     Update your Program. The risks of identity theft can change rapidly, so it’s important to
               keep your program current and educate your staff.

                                                             Resources:
Questions about complying with the Red Flags Rule should be emailed to RedFlags@ftc.gov.
For additional information, visit http://www.ftc.gov/bcp/edu/pubs/business/alerts/alt050.shtm and check out New “Red Flag”
Requirements for Financial Institutions and Creditors Will Help Fight Identity Theft.
                                                                     or
Visit http://www.ftc.gov/bcp/edu/pubs/articles/art10.shtm for The “Red Flags” Rule: Are You Complying with New Requirements for
Fighting Identity Theft?
For The Red Flags Rule in PDF format, visit http://www.ftc.gov/os/fedreg/2007/november/071109redflags.pdf.


    “Nothing can stop                                                      We would like to thank our dealer friends for their
  the man with the right                                                   patience during the hectic time of Cash for Clunkers
                                               and the DMV’s increase in motorist fees. We want to share with you how many
   mental attitude from                        vehicle titles and registrations our offices processed during the month of August
    achieving his goal;                        compared to August 2008:
   nothing on earth can                                                                          August             August
  help the man with the                                                                           2009               2008
  wrong mental attitude.”                                     Vehicle Titles ...................... 9,294 ............ 7,665
       —Thomas Jefferson                                      Vehicle Registrations........... 33,280 ........... 20,982


                                                   Where service is a matter of pride.
                                                           Dealer Dispatch 4

				
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