SF Fire Credit Union

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Rules and Regulations: The Financial Institution Record Match (FIRM) Program

In January, 2012, the Franchise Tax Board (FTB) began its systematic roll-out of the Financial Institution Record Match (FIRM) program. This program exists to authorize financial institutions (including banks, credit unions, insurance and brokerage companies) located in California to assist the FTB in matching the files of “debtors” in the Franchise Tax Board’s system against the accounts at their institutions.

WHAT DOES THE FINANCIAL INSTITUTION RECORD MATCH PROGRAM ACCOMPLISH?

The Financial Institution Record Match (FIRM) Program identifies delinquent debtor accounts through a record match process. FIRM is an enforcement tool used to collect delinquent taxes and non-tax debts of individuals and business entities.

Coupled with FIRM is a second program called the FIDM (Financial Institution Data Match). Here, financial institutions compare their files with the State Child Support programs and conduct data matches to identify accounts of those who are delinquent on their child support.

HOW DOES SF FIRE CREDIT UNION COMPLY WITH THESE PROGRAMS?

Each quarter we upload a file to a state contracted company that runs our data against the list of individuals or entities who owe state taxes or other things the FTB is in charge of. If there are matches then we would move forward with a request for funds in the form of a garnishment from those individuals or entities.

QUESTIONS?

If you have questions about the FIRM program, FTB or how we comply with these programs, please contact Chris Van Sickle, our Compliance Officer at [email protected], or by mail at our California Street address.