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Privacy Notices You May Receive
Initial Privacy Notice. You will usually receive a privacy notice when you open an account or become a customer of a financial company. If you open an account over the phone, however, and you agree, the company may send you a notice at a later time.
Annual Privacy Notices. Each financial company you have an ongoing relationship with--for example, the bank where you have a checking account, your credit card company, or a company that services your loan--must give you a notice of its privacy policy annually.
Notice of Changes in Privacy Policies. If a company changes its privacy policy, it will either send you a revised privacy notice or tell you about the changes in the company’s next annual notice.
You’ve probably been receiving privacy notices from banks and other financial companies. These notices explain:
What personal financial information the company collects
Whether the company intends to share your personal financial information with other companies
Board of Governors of the Federal Reserve System
Division of Consumer and Community Affairs, Stop 801
20th and C Streets, NW
Washington, DC 20551
http://www.federalreserve.gov
Privacy Choices
for Your Personal
Financial Information
What Can You Stop
& What Can’t You Stop?
Your Right to Opt Out
Privacy Notices You
May Receive
What to Do When You
Receive Your Notices
Where Else to Turn for Help
Laws Affecting Your
Personal Financial Privacy
Financial companies share information for many reasons:
To offer you more services, to introduce new products, and to profit from the information they have about you. If you like to know about other products and services, you may want your financial company to share your personal financial information; in this case, you don’t need to respond to the privacy notice
If you prefer to limit the promotions you receive or do not want marketers and others to have your personal financial information, you must take some important steps.
First, it is important to read these privacy notices. They explain how the company handles and shares your personal financial information
Keep in mind that not all privacy notices are the same. This guide tells you about the other steps you can take to help protect the privacy of your personal financial information.
* Two federal laws cover how companies can share your financial information: the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act.
Federal privacy laws give you the right to stop (opt out of) some sharing of your personal financial information.
* These laws balance your right to privacy with financial companies
to provide information for normal business purposes.
You have the right to opt out of some information sharing with companies that are:
Part of the same corporate group as your financial company (or affiliates)
Not part of the same corporate group as your financial company (or non-affiliates).
But you cannot opt out and completely stop the flow of all your personal financial information.
Information about you to firms that help promote and market the company’s own products or products offered under a joint agreement between two financial companies
Records of your transaction-such as your loan payments, credit car, and checking and savings-to firms that provide data and mailing services for your company
Companies that May Send
Privacy Notices
Banks, savings and loans, and credit unions
Insurance companies
Securities and commodities brokerage firms
Retailers that directly issue their own credit cards (such as department stores or gas stations)
Mortgage brokers
Automobile dealerships that extend or arrange financing or leasing
Check cashiers and payday lenders
Financial advisors and credit counseling services
Sellers of money orders or travelers checks.