What federal law includes Red Flag Rules?

The correct choice regarding the federal law that includes Red Flag Rules is the FACT Act. The Red Flag Rules are a part of the Fair and Accurate Credit Transactions Act, which is an amendment to the Fair Credit Reporting Act. The FACT Act was designed to help protect consumers from identity theft and includes provisions for financial institutions and creditors to create and implement a written identity theft prevention program. These programs must incorporate specific procedures to detect patterns or practices that signal potential identity theft, which are referred to as "red flags."

This focus on consumer protection and identity theft prevention is a critical aspect of the FACT Act, making it the relevant law associated with Red Flag Rules.