Oversight Hearing On Financial Privacy and the Gramm-Leach-Bliley Financial Services Modernization Act

ongress knew that the 1999 Gramm-Leach Bliley Financial Services Modernization Act (GLBA) - a law long-sought by the financial industry to encourage the creation of integrated financial services firms -- would exacerbate already-identified financial privacy threats. So  Congress incorporated Title V to protect financial privacy, which included the following five key provisions. The most important and most successful is the last: the fail-safe states' rights provision allowing states to enact stronger financial privacy laws.

Annual Credit Reports: Know Your Rights.

Jenny, a 23-year-old, wrecked the car she had throughout high school and college. Buying a new car will be her first big purchase as an adult. Jenny does her research and settles on the perfect car for her, a "lil' beauty." However, Jenny is devestated to discover that her credit score is too low to qualify for the advertised interest rate. Jenny can't afford the car... What could Jenny have done differently? Is there a happy ending in store for Jenny? Watch our video to find out.

Credit Cards vs Debit Cards: Know Your Rights.

Credit Cards vs Debit Cards: Know Your Rights.

Opt Out Sample of Sharing Financial Information Letter


[Your address]

[Name of company]

[Company's address as shown in the privacy notice]

RE: Opt-Out Instructions for Account #______________

Dear [name if given in the privacy notice]:

Following are my instructions with regard to your information sharing and sales policies:

1. You do not have my permission to share my personally identifiable information with
nonaffiliated third party companies or individuals. I am asserting my rights under the

Personal Data Retention and Destruction Plan

Fact Sheet 12aPersonal Data Retention and Destruction Plan

At Privacy Rights Clearinghouse, we believe your right to privacy is about being in control of your personal information. An obvious part of that equation is keeping good personal records. Just like companies have data retention and destruction policies, so should you. Read our newest fact sheet on creating a personal data retention and destruction plan.

Protecting Financial Privacy: The Burden Is on You

Fact Sheet 24Protecting Financial Privacy:
The Burden Is on You

Financial Privacy: How to Read Your "Opt-Out" Notices

Fact Sheet 24aFinancial Privacy:
How to Read Your "Opt-Out" Notices

Sample Opt-Out Letters

Fact Sheet 24a AddendumSample Opt-Out Letters

Short Form Opt Out Letter

Fact Sheet 24a AddendumShort Form Opt Out Letter

Answers to Cloze Test #1

Fact Sheet 24b AddendumAnswers to Cloze Test #1
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