[20050223]RS21427_影响关联机构间客户信息共享的金融隐私法.pdf

1 P.L. 91-508, tit. VI, 601 et seq.; 88 Stat. 1521;15 U.S.C. 1681 - 1681u.2 P.L. 106-102, 113 Stat. 1338 (1999).Congressional Research Service The Library of CongressCRS Report for CongressReceived through the CRS WebOrder Code RS21427Updated February 23, 2005Financial Privacy Laws Affecting Sharing of Customer Information Among Affiliated Institutionsname redactedLegislative AttorneyAmerican Law DivisionSummaryThe privacy provisions of the Gramm-Leach-Bliley Act of 1999 (P.L. 106-102) donot permit customers to preclude financial institutions from sharing nonpublic personalinformation with affiliated companies; they merely require companies to notify theircustomers of their practices of information sharing with affiliates. Until the Fair CreditReporting Act (FCRA) was amended in 1996, sharing of such information with affiliatesmight have subjected a company to being regulated as a credit reporting agency. Underprovisions added in 1996, 15 U.S.C. 1681a(d)(2)(A)(ii) and (iii), which preemptinconsistent state law, companies have been permitted to share among their corporatefamily a broad range of data they have collected on their customers provided they havegiven the customers the opp