Identity Theft and Financial Privacy Protection Act of 2003 - Amends the Truth in Lending Act to prescribe duties imposed upon: (1) a card issuer with respect to confirmation of a consumer's changes of address; and (2) a consumer reporting agency with respect to notice of potential fraud.
Amends the Fair Credit Reporting Act to prescribe duties imposed upon a consumer reporting agency with respect to notice of potential fraud.
Exempts from such requirements: (1) certain consumer reporting agencies acting as resellers of information; (2) certain check services companies; and (3) certain demand deposit account information service companies.
Mandates truncation of credit card and debit card account numbers.
Requires a consumer reporting agency to furnish, upon consumer request, a free annual disclosure of the information in the consumer's file.