TL;DR: Digital Right to Rent checks now include mandatory Known Fraud screening against the SIRA counter-fraud database. Results may flag an identity previously used to commit fraud or identify someone as a victim of impersonation, helping organisations assess potential identity risks.
What does the Digital Right to Rent check for?
The new process adds Known Fraud screening and Digital Right-to-Rent validation.
Query known fraud checks the SIRA database to check for previous known fraud cases in the UK. It is a mandatory component of DVSTF IDSP workflows as a check against known victims of fraud must be performed.
What is the SIRA Database?
The database is populated by over 200 members across the UK public and private sectors, who proactively submit fraud cases they have detected in their own systems. It is the largest consortium counter-fraud database in the UK.
Known Fraud - Result breakdowns
Fraud - The claimed identity is checked against SIRA to establish whether it has been marked as ‘fraud’ previously by an existing SIRA member.
- A signal that this specific identity has a confirmed history of being used to defraud someone. This means that someone has used this identity to commit fraud, and a SIRA member has reported it.
Impersonation - The claimed identity is checked against SIRA to establish whether it has been marked as 'victim’ previously by an existing SIRA member.
- This is a protective flag, signalling a previously-compromised identity. The identity itself was stolen and used by someone else, so the real person will be logged into the SIRA database as such.