Thomson Reuters CLEAR
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TR CLEAR Risk Categories

Person Risk Inform Flag

Within CLEAR Risk Inform, risk flags vary in complexity. Some are triggered by a single data source linked to an individual, while others are compound flags that rely on more sophisticated logic, combining information across multiple public records datasets.



1. Address Flag

These flags are triggered when a person’s residential address matches certain high-risk or unusual locations. They help identify instability, concealment, or possible misuse of addresses that may signal elevated risk.

Categorization of Address Flags

Risk Flag Name

Industry classification code(s) matches business type.


Address is a Campsite

  1. Cabin camp

  2. Campground

  3. Campsite

  4. RV Park/Campground

Address is a Check Cashing Service




Address is a Correctional Institution

  1. Detention Center

  2. Prison Farm

  3. Prison

  4. Jail

  5. Penitentiary

Address is a Credit Correction

Service

Debt Counseling or Adjustment Service



Address is a Hotel / Motel or Temporary Residence

  1. Hotel

  2. Motel

  3. Casino Hotel

  4. Resort Hotel

  5. Seasonal Hotel

  6. YWCA/YMCA Hotel

Address is a Mail Receiving / Forwarding Service

  1. P.O. Box Other Than Headquarters

  2. Private Mail Centers

Address is a Nursing Home


Address is a Restaurant / Bar / Night

Club


Address is a Secretarial Service


Address is a Storage Facility

  1. Miniwarehousing

  2. Self-Storage

Address is a Truck Stop


Address is a U.S. Post Office


Address is an Airport / Airfield

  1. Airport

  2. Airport Hangar Rental

Address is Governmental

  1. Executive Offices (Federal, State, Local & County)

  2. Executive, Legislative & Government Support

Current Address Does Not Match Claimed State of Residence Address

Compare the current address state against the claimed state of residence.

2. Single Risk Indicator

These flags highlight specific personal risk factors such as criminal history, professional licenses, or exposure to financial crimes. They are often used in KYC/AML compliance checks to identify individuals who may need enhanced due diligence.

Categorization of Single Risk Indicator

Risk Flag Name

Classification


Access to Firearms

  1. Criminal Records that are weapons offenses

  2. Firearms related Professional Licenses.

  3. Conceal Carry Weapon License (AR, IN, ME, ND, TN & VA)

  4. Hunting License (Permit Class = Gun)

  5. Firearms Relationship (Government Customers Only)

Access to Explosives

  1. Criminal Records that are Explosives Offenses

  2. Explosives related Professional Licenses (ME & TN)

Access to Weapon (Non - Firearm)

  1. Criminal Records - Weapons offenses (Non - Firearm)

  2. Access to Baton License - CA









AKA used as Input Field

General Rules:

  1. Unique AKA (Ex. Jane Sample - Document & John Consumer)

  2. No name flipping (Document Jane)

  3. No abbreviations of names that match full name (J. Document)

  4. No abbreviations + Name Flipping of names that match full names (Document J.)

  5. Different spelling and spelling variations = valid AKA (Jayne Dockumont)

Hyphenated Names:

  1. Hyphenated Names would be considered an AKA

  2. Example: Search John Smith, AKA of John Smith - Adams. This would trigger the flag.

  3. Opposite would also trigger flag - Search John Smith - Adams. AKAs of John Smith and John Adams.

Maiden Names (Marriage/Divorce):

Maiden Names would trigger the flag.


Associated with Multiple Failed Businesses

  1. Individual has multiple company records tied to them (≥ 2

company records).

  1. 2 or more business that are FAILED and/or INACTIVE

  2. FAILED: Bankruptcy

  3. INACTIVE: Corporate Filing with Inactive Status

Associate with Sex Offender Record - Shared Address

  1. Associates related to searched individual [Shared Address]

  2. Presence of Sex Offender record

Cash Payment for House

  1. Real Property Transaction record tied to search subject

  2. Transaction Purchase Payment = CASH

Individual tied to multiple companies with many varied assets

  1. Subject linked to 2 or more unique companies

  2. Multiple combination of property, aircraft or boats


Lien on a Car Owner

  1. DMV Record

  2. Lien Holder on DMV record

  3. Current Records only

  4. Not triggered for historical only content

Marijuana Related Business (MRB)

MRB record tied to individual

Multiple Aliases/AKAs

  1. Individual has multiple AKAs within content that is tied to them.

Multiple DOBs

  1. Subject has multiple DOBs

  2. If partial DOB, differs from full DOB. Example: 10/1997 & 11/21/1997.

Multiple SSNs

SSNs

  1. Multiple SSNs tied to search subject.

  2. If partial SSN, differs from full SSN.

Professional License

Individual has professional license record


Professional or License Discipline

  1. Healthcare License – Sanctioned License

  2. Healthcare Sanction - reporting agency on list of disciplinary agencies.

  3. World - Check [Add - on] - Disciplined by government or industry regulatory bodies or are subject to enforcement actions.

Relative with Sex Offender Record - Shared Address

  1. Relatives associated with individual

  2. Sex Offender record tied to relative

Sex Offender Record

Sex Offender Record tied to individual

World - Check Record

  1. Presence of World - Check Record relationship

  2. Individual is not a US PEP [Separate Flag]

  3. Individual is not an International PEP

World - Check - U.S. PEP

  1. Presence of World - Check Record relationship

  2. Country = U.S.

  3. Sub - Category = PEP

World - Check - International PEP

  1. Presence of World - Check Record relationship

  2. Country = Anything but U.S. (Exclude US)

  3. Sub - Category = PEP

3. Other Flags

Other Flags represent a broad set of additional risk indicators that do not fall strictly into address, identity, or single-risk categories. These flags are typically derived from legal, financial, regulatory, or global data sources, and highlight potential compliance concerns such as sanctions exposure, adverse financial history, or involvement in fraudulent activity.

Categorization of Other Flags

Risk Flag Name

Classification

Global Sanctions

Subject has a Global Sanction record.

Excluded Parties List System [EPLS]

  1. EPLS record tied to subject

  2. EPLS is true exclusion or debarment

OFAC - Office of Foreign Asset Control

  1. Subject is on OFAC List

  2. Sources: OFAC + Global Sanctions


Associate with World - Check

  1. Associate of Search Subject

  2. Presence of World - Check Record relationship

  3. Individual is NOT a US PEP

  4. Individual is NOT an International PEP

Associate - World - Check - US PEP (World - Check)

  1. Associate of Search Subject

  2. Presence of World - Check Record relationship

  3. Country = U.S.

  4. Sub - Category = PEP


Associate - World - Check - International PEP (World – Check)

  1. Associate of Search Subject

  2. Presence of World - Check Record relationship

  3. Country = Non - US

  4. Sub - Category = PEP

Associate with Global Sanctions Record

  1. Individual is Associate of Search Subject

  2. Individual has a Global Sanction record tied to their entity

Healthcare Fraud - Related Sanctions

  1. Subject has Healthcare Sanction Record

  2. Healthcare sanction is one of the following:

    1. License discipline

Healthcare License

  1. Subject entity has a Healthcare License record

National Provider Information (NPI) Record

  1. NPI Record tied to individual

Felony towards a Vulnerable Victim

  1. Criminal Record tied to individual

  2. Criminal Class = Felony

  3. Sub - Category = Vulnerable Victim

Judgments

  1. Subject has a judgment document

    1. Civil Judgment

    2. Small Claims Judgment







Judgments over $5,000

  1. Subject has a judgment document

    1. Civil Judgment

    2. Small Claims Judgment

  2. Amount of judgment(s) greater than $5,000.

Exclude:

  1. Federal Tax Liens

  2. State Liens - including income tax, payroll tax, unemployment tax & child support

  3. Landlord - Tenant

  4. New York City Register Documents

  5. New York City Register Document - Lis Pendens

  6. Mechanics Liens

  7. Initial Filings for Lawsuits







Judgments over $25,000

  1. Subject has a judgment document

    1. Civil Judgment

    2. Small Claims Judgment

  2. Amount of judgment(s) greater than $25,000.


Exclude:

  1. Federal Tax Liens

  2. State Liens - including income tax, payroll tax, unemployment tax & child support

  3. Landlord - Tenant

  4. New York City Register Documents

  5. New York City Register Document - Lis Pendens

  6. Mechanics Liens

  7. Initial Filings for Lawsuits


Judgments Release

  1. Subject has a judgment release document

NOTE: This was previously part of the judgements flag logic and has been removed as its own flag and logic.

Total Amount

  1. Total summation of the Judgment amounts.



Personal Bankruptcy

  1. Subject has 1 or more bankruptcy records

  2. Do not include discharged bankruptcies

  3. If subject has more than 1 bankruptcy record, then multiple bankruptcies when the bankruptcies are 7+ years apart.




Business Bankruptcy

  1. Subject is connected to a business

  2. Business has 1 or more bankruptcy records

  3. Do not include discharged bankruptcies

  4. If business has more than 1 bankruptcy record, then multiple bankruptcies when the bankruptcies are 7+ years apart.

  5. If subject has more than 1 bankruptcy record, then multiple bankruptcies when the bankruptcies are 7+

years apart.



Federal Tax Lien

  1. Subject has lien document

  2. Lien type = Federal Tax Lien.

  3. Do not include state tax liens - separate flag.

  4. Do not include tax lien releases (State or Federal) - Separate Flags


Federal Tax Lien Release

  1. Subject has lien document

  2. Lien type = Federal Tax Lien Release.

  3. Do not include state tax liens - separate flag.

  4. Do not include tax liens (State or Federal) - Separate Flags


State Tax Lien

  1. Subject has lien document

  2. Lien type = State Tax Lien

  3. Do not include federal tax liens - separate flag.

  4. Do not include tax lien releases (State or Federal) - Separate Flags



State Tax Lien Release

  1. Subject has lien document

  2. Lien type = State Tax Lien Release

  3. Do not include federal tax lien releases - separate flag.

  4. Do not include tax liens (State or Federal) - Separate Flags


Liens Over $5,000 (Admins can edit amount)

  1. Subject has lien or multiple liens

  2. Lien Amount is available in lien document(s)

  3. Lien amounts add up to over $5,000

  4. Duplicate liens filtered out


Liens Over $25,000 (Admins can edit amount)

  1. Subject has lien or multiple liens

  2. Lien Amount is available in lien document(s)

  3. Lien amounts add up to over $25,000

  4. Duplicate liens filtered out


Liens - Total Amount

  1. Add total amount of Liens for Liens that include a dollar amount

  2. Filter out liens from different jurisdictions that match date and $ Amount (Can be filed in numerous jurisdictions)





Miscellaneous Lien

  1. Subject has a lien that does not fit other lien types

  2. Lien is one of the following types

    1. Child Support Tax

    2. Hospital Lien

    3. Industrial Commission War

    4. NY City Tax Warrant

    5. Social Services Lien

    6. Property Taxes Lien

    7. Property Tax Releases












Litigious Individual - Lawsuits as Plaintiff

  1. Subject has multiple lawsuits (user can select number of legal actions for litigious individual).

  2. Subject is plaintiff

  3. Small claims included by default

  4. Certain document types excluded by default


Exclude:

  1. Auto Insurance Coverage litigation

  2. Claims related to entitlements/government benefits

  3. Eminent Domain

  4. Employment - related benefits claims

  5. Family (Not Excluding Orders for Protection)

  6. Intellectual Property

  7. Landlord - Tenant

  8. Local/Municipal/Housing Ordinance (290)

  9. Mechanics Liens

  10. Medical Malpractice

  11. Miscellaneous

  12. Mortgage Foreclosure

  13. Motor Vehicle negligence

  14. Personal Injury

  15. Prisoner Rights

  16. Probate

  17. Products Liability

  18. Real Property














Litigious Individual - Dockets as Plaintiff

  1. Subject has multiple dockets (user can select number of legal actions for litigious individual).

  2. Subject is plaintiff

  3. Certain document types excluded by default


Exclude:

  1. Criminal

  2. Matrimonial

  3. Domestic

  4. Foreclosure

  5. Declare Dead

  6. Forfeiture

  7. Civil Cases Relating to Criminal Matters

  8. Occupational Driver’s License

  9. Infraction

  10. Child Support

  11. Garnishment

  12. Probate

  13. Civil Commitment

  14. Conservatorship & Guardianship

  15. Family & Domestic Relations

  16. Foreclosure

  17. Forfeiture

  18. Harassment

  19. Landlord/Tenant

  20. Motor Vehicles - Traffic Violations

  21. Probate, Trusts & Estates

  22. Real Property

  23. Wrongful Death

Litigious Individual - Total Amount of Lawsuits + Dockets [#]

Add the total amount of

  1. Dockets

  2. Lawsuits

  3. Display Total Amount

Lawsuit (as Defendant) over

$5,000

  1. Search subject has lawsuit(s)

  2. Lawsuit amount is available in document(s)

  3. If lawsuit(s) are greater than or equal to $5,000 trigger flag

Lawsuit (as Defendant) over

$25,000

  1. Search subject has lawsuit(s)

  2. Lawsuit amount is populated

  3. If lawsuit(s) are greater than or equal to $25,000 trigger flag

Lawsuits - Total Amount

  1. Add total amounts of lawsuits with $ values attached to them
















Real - Property Pre - Foreclosure

  1. Subject has Real - Property Pre - Foreclosure Record


Include:

  1. Notice of Default

  2. List Pendent - Mortgage Foreclosure

  3. Final Judgment of Foreclosure

  4. Public Notice of Sheriff’s Sale

  5. Notice of Trustee’s Sale

  6. Notice of Foreclosure Sale

Exclude:

  1. Lis Pendens - Other Civil Action

  2. Lis Pendens – Realty (Sales Contract)

  3. Lis Pendens - Lien (Homeowner’s Assoc.)

  4. Release of Lis Pendens

  5. Deed

  6. Certificate of Purchase

  7. Commissioners Deed (Foreclosure)

  8. Trustees Deed

  9. Cancellation of Lease in HI

  10. Release of Deed of Trust/MTG

  11. Certificate of Sale

  12. Certificate of Title

  13. Mortgage Foreclosure Deed

  14. Deed of Assumption

  15. Contract of Sale

  16. Corporate Deed

  17. Release of Mechanics Lien

  18. Home Owners Association Release

  19. Joint Tenant Quit Claim Deed

  20. Warranty Deed Join Tenant

  21. Appointment of Substitute Trustee


Real Property Transfer

  1. Subject has more than one Real Property Transfer records

  2. Subject listed as buyer (role)

  3. Buyers property + mailing address don’t match

  4. Transaction is resale

Real Property Tax Assessor

  1. Subject has more than 1 Real Property Assessor records

  2. Subject is listed as Owner (Historical, Mutual or Property Owner)

Unlawful Detainer Civil Filing

  1. Subject has a lawsuit that is an unlawful detainer that is a new civil filing, or a case type of unlawful detainer or

forcible detainer,

Unlawful Detainer Judgment

  1. Subject has a lawsuit that is an unlawful detainer, exclude New Civil Filings AND/OR

  2. Subject has a judgment that is an unlawful detainer.



Multiple Personal Properties

  1. Subject has a combination of multiple person properties

    1. Motorcycle (DMV Record)

    2. Recreational Vehicle (DMV Record)

    3. Vintage/Antique Car (DMV Record)

    4. Real Property (Deed) Subject has 1 DMV (Recreational Vehicle) and 1 Real Property Deed record then set flag to true

Aircraft

  1. Subject has an FAA Aircraft Registration record


RV Owner

  1. Subject has a DMV record

  2. Vehicle = Recreational Vehicle (RV)

  3. Part of Multiple Person Properties Flag

Motorcycle Owner

  1. Subject has a DMV Record

  2. Vehicle = motorcycle

  3. Part of Multiple Person Properties Flag

Vintage/Antique Vehicle

  1. Subject has a DMV Record

  2. Vehicle = vintage or antique

  3. Part of Multiple Person Properties Flag

Arrest Record

Subject entity has an arrest record

Arrest Warrant

  1. Subject entity has a Criminal - Fugitive Record AND/OR

  2. Subject has Criminal Record - Warrant

Multiple Aircraft

  1. Subject has multiple aircraft records


Multiple Watercraft

  1. Subject has multiple watercraft records

  2. Sources: U.S. Coast Guard Records + State Boat Records

4. Synthetic Identity

A synthetic identity is a fraudulent identity created by combining real information (such as a valid Social Security Number) with fictitious personal details (like a fake name, date of birth, or address).

Instead of stealing an entire real identity, fraudsters “manufacture” a new one that appears legitimate in credit or background checks. Over time, these fake identities can build credit histories and be used for financial fraud, money laundering, or other illicit activities.

Categorization of Synthetic Identity with Score

Risk Flag Name

Score

SSN Matched to Multiple Individuals

+15

Thinness of File

Person has 1 - 2 total records, i.e. a new public records footprint

OR if user only has a few addresses in credit header records.

+ 20

No Relatives - No relatives relationships

+5

No Associates - No associates relationships

+5

Age Issues - First appear in public records after age 30 (User can set age)

+10

New public records footprint within last year - 1st appearance in public records content within last year

+10

Duplicate personally identifiable information

Different SSN

  1. Matched Names + DOBs, different SSN Different DOB

  2. Matched Name + SSN, different DOB


+30

Adverse Records - Individual has presence of adverse records:

  1. Bankruptcy

  2. Lien(s)

  3. Judgment(s)

  4. Lawsuit(s)

  • 5

  • 5

  • 5

  • 5

Public Records activity 1 year after date of death

New relationships or documents after date of death

  1. New record(s)

  2. New address

  3. New Phone Number



+5

5. Criminal Records

Criminal Records Risk Flags highlight potential criminal activity associated with an individual or business. These flags distinguish between charges and convictions, and may also categorize offenses by severity (misdemeanor vs. felony) and by case subcategories such as weapons, financial crimes, fraud, or organized crime. Some flags are triggered by a single record, while others provide more detail on the nature and outcome of the case.

Categorization of Criminal Records

Risk Flag Name

Disposition Findings

Criminal Record Charge

  1. Adjudication Deferred (AD)

  2. Acquitted (A)

  3. Dismissal by Court or Nolle Pros (D)

  4. Unknown or Blank (U)

  5. Failed to Appear - warrant typically issued (W)

  6. Case Transferred - usually to higher or lower court

Criminal Record Conviction

Conviction - guilty plea or convicted (C)

Business Risk Flags

Business Risk Inform Flags vary in complexity. Some are triggered by a single data point, such as an inactive company status or a PO Box address, while others are compound flags that use more advanced logic, combining multiple public records datasets to highlight risks like sanctions exposure, litigation, or regulatory non-compliance.


1. Address Flag

These flags highlight businesses that are registered at unusual or high-risk addresses. Such locations may indicate fraud, shell entities, or attempts to obscure true business operations.

Categorization of Address Flag

Risk Flag Name

Classification

Business Address Used as Residential Address

  1. Business Address = basis

  2. Address Matches a Person/Residential Address

P.O. Box Listed as Address

  1. Business Address = basis

  2. Address is a P.O. Box

Address is a Check Cashing Service

Industry classification code(s) matches business type.

Address is a Nursing Home

Industry classification code(s) matches business type.

Address is a U.S. Post Office

Industry classification code(s) matches business type.

Address is a Mail Receiving/Forwarding Service

Industry classification code(s) matches business type.

  1. P.O. Box Other Than Headquarters

  2. Private Mail Centers

Address is a Restaurant/Bar/Nightclub

Industry classification code(s) matches business type.






Address is a Hospital or Clinic

Industry classification code(s) matches business type.

  1. Health Services

  2. Medical Centers

  3. Psychiatrists & Psychoanalysts

  4. Specialized Medicine

  5. Medical Doctors

  6. Dentists

  7. Health Practitioners

  8. Intermediate Care

  9. Psychiatric Hospitals

  10. Medical/Dental Laboratories

  11. Miscellaneous Health & Allied Services


Address is Governmental

Industry classification code(s) matches business type.

  1. Executive Offices (Federal, State, Local & County)

  2. Executive, Legislative & Government Support



Address is a Correctional Institution

Industry classification code(s) matches business type.

  1. Detention Center

  2. Prison Farm

  3. Prison

  4. Jail

  5. Penitentiary



Address is a Hotel/Motel or Temporary Residence

Industry classification code(s) matches business type.

  1. Hotel

  2. Motel

  3. Casino Hotel

  4. Resort Hotel

  5. Seasonal Hotel

  6. YWCA/YMCA Hotel

Address is a Secretarial Service

Industry classification code(s) matches business type.

Address is a Credit Correction Service

Industry classification code(s) matches business type.

  1. Debt Counseling or Adjustment Service

Address is a Storage Facility

Industry classification code(s) matches business type.

  1. Miniwarehousing

  2. Self - Storage

Address is an Airport/Airfield

Industry classification code(s) matches business type.

  1. Airport

  2. Airport Hangar Rental

Address is a Camp Site

Industry classification code(s) matches business type.

  1. Cabin camp

  2. Campground

  3. Campsite

  4. RV Park/Campground

Address is a Truck Stop

Industry classification code(s) matches business type.

2. Single Risk Indicators

These flags represent specific business-level risks that may increase compliance, regulatory, or financial exposure. They are often used to identify businesses requiring enhanced due diligence.

Categorization of Single Risk Indicators

Risk Flag Name

Classification

Multiple FEINS

Multiple FEIN records are tied to the business

Company is Inactive

  1. Corporate Record Filing relationship

  2. Business Status is Inactive or the equivalent of inactive for that state

Suspected out of Business

  1. Business Profile Record relationship

  2. Suspected Out of Business Field = Yes.

World - Check - U.S. PEP

  1. Presence of World - Check Record relationship

  2. Country = U.S.

  3. Sub - Category = PEP

World - Check - International PEP

  1. Presence of World - Check Record relationship

  2. Country = Non - U.S.

  3. Sub - Category = PEP

World - Check - Bank

  1. Presence of World - Check Record relationship

  2. Sub - Category = Bank

World - Check - Blacklisted

  1. Presence of World - Check Record relationship

  2. Sub - Category = Blacklisted

World - Check - Corporate

  1. Presence of World - Check Record relationship

  2. Sub - Category = Corporate

World - Check - Country

  1. Presence of World - Check Record relationship

  2. Sub - Category = Country

World - Check - Crime – Financial

  1. Presence of World - Check Record relationship

  2. Sub - Category = Crime - Financial

World - Check - Crime - Narcotics

  1. Presence of World - Check Record relationship

  2. Sub - Category = Crime - Narcotics

World - Check - Crime - Organized

  1. Presence of World - Check Record relationship

  2. Sub - Category = Crime - Organized

World - Check - Crime - Other

  1. Presence of World - Check Record relationship

  2. Sub - Category = Crime - Other

World - Check - Crime - War

  1. Presence of World - Check Record relationship

  2. Sub - Category = Crime - War

World - Check - Embargo

  1. Presence of World - Check Record relationship

  2. Sub - Category = Embargo

World - Check - Embargo Vessel

  1. Presence of World - Check Record relationship

  2. Sub - Category = Embargo Vessel

World - Check - Legal

  1. Presence of World - Check Record relationship

  2. Sub - Category = Legal

World - Check - Military

  1. Presence of World - Check Record relationship

  2. Sub - Category = Military

World - Check - Organization

  1. Presence of World - Check Record relationship

  2. Sub - Category = Organization

World - Check - Political Party

  1. Presence of World - Check Record relationship

  2. Sub - Category = Political Party

World - Check - Port

  1. Presence of World - Check Record relationship

  2. Sub - Category = Port

World - Check - Religion

  1. Presence of World - Check Record relationship

  2. Sub - Category = Religion

World - Check - Terrorism

  1. Presence of World - Check Record relationship

  2. Sub - Category = Terrorism

World - Check - Trade Union

  1. Presence of World - Check Record relationship

  2. Sub - Category = Trade Union

Global Sanction

  1. Global Sanction Record Relationship

OFAC

  1. Subject is on OFAC List

  2. Sources: OFAC + Global Sanctions

Money Service Business (MSB)

  1. Money Service Business Record Relationship

Marijuana Related Business (MRB)

  1. MRB record tied to individual

Multiple Foreclosures at Company Address by Different Owners

  1. Company Address = flag basis

  2. Multiple foreclosures at address for different person or business entities.

Government Activity - Administrative Debt

  1. Presence of Private Company Information (PCI) relationship

  2. Administrative Debt Field = Yes

Government Contractor

  1. Presence of Private Company Information (PCI) relationship

  2. Government Contractor Field = Yes

Company Excluded from Federal Programs

  1. Presence of Private Company Information (PCI) relationship

  2. Company Excluded from Federal Programs Field

= Yes

Calculated Improvement Value of Property over $XXXXX

  1. Real Property Tax Assessor Record Relationship

  2. Calculated Improvement Value of user selected threshold

  3. Default setting = $250,000

Other Listings Linked to Business Phone Number

  1. Business Phone number = basis for flag

  2. Other listings besides the business are tied to the phone number









Key Nature of Suit

Key Nature of Suit indicator to display if the business has a content relationship with any of the following:

  1. A Docket with a KNOS of “Stockholder Suits” in

which the business is identified as a Defendant.

  1. A Docket with a KNOS of “Antitrust” in which the

business is identified as a Defendant.

  1. A Docket with a KNOS of “RICO” in which the

business is identified as a Defendant.


Key Nature of Suit indicator to remain displayed on the dashboard as follows:

Federal Dockets – until 45 days after the Docket is closed or, if the closed flag is not available in the Warehouse, twelve months after the filing date on the docket.

State Dockets – twelve months after the filing date on the docket.






Pending Class Action

Pending Class Action indicator to display if the business has a content relationship with a state or federal docket that meets specified class action search terms (e.g. on behalf of” in the title field and other such terms currently used to generate a class action search in Dockets Alerts in westlaw.com).

Federal Dockets – until 45 days after the Docket is closed or, if the closed flag is not available in the Warehouse, twelve months after the filing date on the docket.

State Dockets – twelve months after the filing date on the docket.




Going Concern

Going Concern flag to display if the business has an 8

  • K, 10 - K, 10 - KSB, 10 - Q, 10 - QSB, or a Proxy

filing that satisfies the following criteria: “going concern” /30 doubt

Going Concern flag to remain active for twelve months after the filing date on the filing satisfying the criteria.

EPLS (Excluded Party List System)

  1. Business has an EPLS document relationship

Unlawful Detainer Civil Filing

  1. Subject has a lawsuit that is an unlawful detainer that is a new civil filing, or a case type of unlawful detainer or forcible detainer


Unlawful Detainer Judgment

  1. Subject has a lawsuit that is an unlawful detainer, exclude New Civil Filings AND/OR

  2. Subject has a judgment that is an unlawful detainer.

Cash Payment for Business Property

  1. Real Property Transaction record tied to search subject

  2. Transaction Purchase Payment = CASH



Business or License Discipline

  1. Healthcare License – Sanctioned License

  2. Healthcare Sanction - reporting agency on list of disciplinary agencies.

  3. World - Check [Add - on] - Disciplined by government or industry regulatory bodies or are subject to enforcement actions.


Business Started Less than 1 Year Ago

  1. Corporate Filing - Filing Date Less than one year

from today’s date

  1. DMI - Date of Incorporation Less than one year

from today’s date


Company Net worth less than $XXX

NET WORTH:

DMI - Net worth field < $X

D&B PCID - Net worth field < $X Worldbase - Net worth field < $X

3. Company Detail & Structure

These flags focus on corporate identity, ownership, and filing integrity. They provide insights into how a business is structured and whether it is properly documented.

Categorization of Company Detail &

Risk Flag Name

Classification

Company is Legal Ultimate Parent

  1. Company listed as legal ultimate parent in corporate hierarchy

Company is Legal Immediate Parent

  1. Company listed as legal Immediate parent in corporate hierarchy

Company is Publicly Traded Company

  1. Company is a publicly traded company and has a ticker symbol



Company Registered as Non - Profit

Business has a Business Profile Record relationship or Corporate Filing Relationship

Business Profile

  1. Legal Status = Non - Profit AND/OR

Corporate Filing

  1. Non - Profit Entity Field = Yes

Company Registered as a Religious Organization

  1. Business has a FEIN record relationship

  2. Industry Classification Code matches religious organization

Corporate Filing(s)

  1. Check if company entity has corporate filings tied to it

  2. Corporate Filings are existing company relationships

Doing Business As

  1. Business is operating under a DBA name

No Corporate Filings tied to Business

  1. Check if company entity has corporate filings tied to it

  2. Corporate Filings are existing company relationships

  3. If there are no corporate files that match the company, then this flag would be triggered.

Other Businesses Linked to the Business Address

  1. Other businesses share the same address

Other Businesses Linked to the Same FEIN

  1. Other businesses share the same FEIN

Business Credit Report [Add - On]

Users have the ability to run a Business Credit Report for businesses.

4. Business Risk

Business Risk Flags identify potential financial, legal, or regulatory risks tied to a business. Some flags are triggered by a single data source, such as a bankruptcy or tax lien, while others are compound flags that combine multiple public records datasets to highlight higher-risk patterns.

Categorization of Business Risk Flags

Risk Flag Name

Classification




Bankruptcy - Business

  1. Business has 1 or more bankruptcy records

  2. Do not include discharged bankruptcies

  3. If business has more than 1 bankruptcy record, then multiple bankruptcies when the bankruptcies are 7+ years apart.

  4. If subject has more than 1 bankruptcy record, then multiple bankruptcies when the bankruptcies are 7+ years apart.

Bankruptcy Discharge - Business

  1. Business has 1 or more bankruptcy discharge records

  2. Does not include bankruptcies



Bankruptcy - Personal

  1. Business is tied to person(s)

  2. Subject has 1 or more bankruptcy records

  3. Do not include discharged bankruptcies

  4. If subject has more than 1 bankruptcy record, then multiple bankruptcies when the bankruptcies are 7+ years apart.

Bankruptcy Discharge - Personal

  1. Person tied to business has 1 or more bankruptcy discharge records

  2. Does not include bankruptcies

Federal Tax Lien

  1. Business has federal tax lien relationship

  2. Role = debtor

Federal Tax Lien Release

  1. Business has federal tax lien release relationship

  2. Role = debtor

State Tax Lien

  1. Business has state tax lien relationship

  2. Role = debtor

State Tax Lien Release

  1. Business has state tax lien release relationship

  2. Role = debtor

Liens Over $5,000

  1. Business has lien(s) with dollar amount

  2. Total amount of liens > $5,000

Liens Over $25,000

  1. Business has lien(s) with dollar amount

  2. Total amount of liens > $25,000

Liens - Total Amount

Use same logic as Person Risk Inform Flag Company role = debtor

Other Liens

  1. Non - tax lien or tax lien release types of liens

Lawsuit (as Defendant) over

$5,000

  1. Business has lawsuit(s) with dollar amount

  2. Total amount of liens > $5,000

Lawsuit (as Defendant) over

$25,000

  1. Business has lawsuit(s) with dollar amount

  2. Total amount of liens > $25,000

Lawsuit - Total Amount

  1. Lawsuits with dollar amount - total amount calculated











Risk Based Lawsuit

  1. Business is NOT Plaintiff or Petitioner in a Lawsuit

  2. Lawsuit is one of the following types:

    1. Antitrust

    2. Black Lung Cases

    3. Consumer Protection

    4. Asbestos

    5. Civil Rights - Age Discrimination

    6. Civil Rights - Racial Discrimination

    7. Civil Rights - Sex Discrimination

    8. Class Action

    9. Construction Defect

    10. Environmental

    11. Forfeiture/Penalty - Drug Related Seizure of Property

    12. Labor & Employment - Sexual Harassment

    13. Labor & Employment - Workplace Violence

    14. Malpractice

    15. Occupational Safety

    16. Product Liability - Personal Injury

    17. Dram Shop

    18. RICO

    19. Wrongful Death

Company is Debtor in X UCC Filings

  1. Business has UCC document relationship

  2. Business = Debtor

  3. User selectable X amount via drop down menu

Company is Debtor in XX UCC Filings

  1. Business has UCC document relationship

  2. Business = Debtor

User selectable X amount via drop down menu

Healthcare Sanction

  1. Business has a Healthcare Sanction relationship

Healthcare License

  1. Business has a Healthcare License relationship

NPI Record

  1. Business has an NPI Record relationship

Watercraft

  1. Business has a Watercraft record relationship