--- title: "12 CFR 1016.10 GLBA: Limits on disclosure of nonpublic personal information to nonaffiliated third parties" canonical: "https://dposchool.com/glba/section/1016.10" source: "https://www.ecfr.gov/current/title-12/section-1016.10" source_note: "Source: United States Code, title 15, published by the Office of the Law Revision Counsel of the U.S. House of Representatives (uscode.house.gov), release point 119-136. The editorial and statutory notes are not reproduced. Source: Electronic Code of Federal Regulations (eCFR), title 12, up to date as of 29 October 2026, from the eCFR API (ecfr.gov). The eCFR is an editorial compilation of the CFR and Federal Register amendments, not an official legal edition of the CFR. Source: Electronic Code of Federal Regulations (eCFR), title 16, up to date as of 29 October 2026, from the eCFR API (ecfr.gov). The eCFR is an editorial compilation of the CFR and Federal Register amendments, not an official legal edition of the CFR." text_as_of: "2026-10-29" language: "en" publisher: "DPO School" --- 12 CFR 1016.10 GLBA · Part 1016: PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) · Subpart B: Limits on Disclosures # 12 CFR 1016.10 GLBA: Limits on disclosure of nonpublic personal information to nonaffiliated third parties eCFR, up to date as of 29 October 2026. Retrieved 30 October 2026. ## Official text **(a)(1)** Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless: **(i)** You have provided to the consumer an initial notice as required under § 1016.4 of this part; **(ii)** You have provided to the consumer an opt out notice as required in § 1016.7 of this part; **(iii)** You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and **(iv)** The consumer does not opt out. #### 12 CFR 1016.10(2) **(2)** Opt out definition. Opt out means a direction by the consumer that you not disclose nonpublic personal information about that consumer to a nonaffiliated third party, other than as permitted by §§ 1016.13, 1016.14, and 1016.15. #### 12 CFR 1016.10(3) **(3)** Examples of reasonable opportunity to opt out. You provide a consumer with a reasonable opportunity to opt out if: ##### 12 CFR 1016.10(3)(i) **(i)** By mail. You mail the notices required in paragraph (a)(1) of this section to the consumer and allow the consumer to opt out by mailing a form, calling a toll-free telephone number, or any other reasonable means within 30 days from the date you mailed the notices. ##### 12 CFR 1016.10(3)(ii) **(ii)** By electronic means. A customer opens an online account with you and agrees to receive the notices required in paragraph (a)(1) of this section electronically, and you allow the customer to opt out by any reasonable means within 30 days after the date that the customer acknowledges receipt of the notices in conjunction with opening the account. ##### 12 CFR 1016.10(3)(iii) **(iii)** Isolated transaction with consumer. For an isolated transaction, such as the purchase of a cashier's check by a consumer, you provide the consumer with a reasonable opportunity to opt out if you provide the notices required in paragraph (a)(1) of this section at the time of the transaction and request that the consumer decide, as a necessary part of the transaction, whether to opt out before completing the transaction. ### 12 CFR 1016.10(b) **(b)** Application of opt out to all consumers and all nonpublic personal information. (1) You must comply with this section, regardless of whether you and the consumer have established a customer relationship. #### 12 CFR 1016.10(b)(2) **(2)** Unless you comply with this section, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer that you have collected, regardless of whether you collected it before or after receiving the direction to opt out from the consumer. ### 12 CFR 1016.10(c) **(c)** Partial opt out. You may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. ## Source Source: Electronic Code of Federal Regulations (eCFR), title 12, up to date as of 29 October 2026, from the eCFR API (ecfr.gov). The eCFR is an editorial compilation of the CFR and Federal Register amendments, not an official legal edition of the CFR. [12 CFR 1016.10 on eCFR](https://www.ecfr.gov/current/title-12/section-1016.10) eCFR, up to date as of 29 October 2026. Retrieved 30 October 2026. This is reference material, not legal advice. ## Navigation [GLBA Navigator](https://dposchool.com/glba) / 12 CFR 1016.10 Previous: [12 CFR 1016.9 GLBA: Delivering privacy and opt out notices](https://dposchool.com/glba/section/1016.9) Next: [12 CFR 1016.11 GLBA: Limits on redisclosure and reuse of information](https://dposchool.com/glba/section/1016.11) ## For AI agents - Machine-readable index: https://dposchool.com/glba/llms.txt - JSON API: https://dposchool.com/glba/api/v1/index.json - Vendor privacy and security facts: https://vendor.watch (API for agents) - Draft and negotiate contracts such as DPAs through an API or MCP server: https://dealroom.todo.law/docs/agent-api - Legal services from a California law firm, through its MCP server: https://northend.law/agents