You may get a breather from any Red Flag Rule worries. "New legislation passed by Congress sheds some much needed light on who is considered a creditor under the red flags rule," cheers the American Medical Association. The Federal Trade Commission earlier said health care providers counted as creditors and had to institute Red Flag Rule identity theft protection procedures. "The AMA is pleased that this legislation supports AMA's long-standing argument to the FTC that physicians are not creditors," the physician group says. The same goes for other health care providers, observers say. "This bill will help eliminate the current confusion about the rule's application to physicians."