--- title: "12 CFR 1016.14 GLBA: Exceptions to notice and opt out requirements for processing and servicing transactions" canonical: "https://dposchool.com/glba/section/1016.14" source: "https://www.ecfr.gov/current/title-12/section-1016.14" 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 1016.14 GLBA · Part 1016: PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) · Subpart C: Exceptions # 12 CFR 1016.14 GLBA: Exceptions to notice and opt out requirements for processing and servicing transactions eCFR, up to date as of 29 October 2026. Retrieved 30 October 2026. ## Official text ### 12 CFR 1016.14(a) **(a)** Exceptions for processing transactions at consumer's request. The requirements for initial notice in § 1016.4(a)(2), for the opt out in §§ 1016.7 and 1016.10, and for service providers and joint marketing in § 1016.13 do not apply if you disclose nonpublic personal information as necessary to effect, administer, or enforce a transaction that a consumer requests or authorizes, or in connection with: #### 12 CFR 1016.14(a)(1) **(1)** Servicing or processing a financial product or service that a consumer requests or authorizes; #### 12 CFR 1016.14(a)(2) **(2)** Maintaining or servicing the consumer's account with you, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity; or #### 12 CFR 1016.14(a)(3) **(3)** A proposed or actual securitization, secondary market sale (including sales of servicing rights), or similar transaction related to a transaction of the consumer. ### 12 CFR 1016.14(b) **(b)** Necessary to effect, administer, or enforce a transaction means that the disclosure is: #### 12 CFR 1016.14(b)(1) **(1)** Required, or is one of the lawful or appropriate methods, to enforce your rights or the rights of other persons engaged in carrying out the financial transaction or providing the product or service; or #### 12 CFR 1016.14(b)(2) **(2)** Required, or is a usual, appropriate or acceptable method: ##### 12 CFR 1016.14(b)(2)(i) **(i)** To carry out the transaction or the product or service business of which the transaction is a part, and record, service, or maintain the consumer's account in the ordinary course of providing the financial service or financial product; ##### 12 CFR 1016.14(b)(2)(ii) **(ii)** To administer or service benefits or claims relating to the transaction or the product or service business of which it is a part; ##### 12 CFR 1016.14(b)(2)(iii) **(iii)** To provide a confirmation, statement, or other record of the transaction, or information on the status or value of the financial service or financial product to the consumer or the consumer's agent or broker; ##### 12 CFR 1016.14(b)(2)(iv) **(iv)** To accrue or recognize incentives or bonuses associated with the transaction that are provided by you or any other party; ##### 12 CFR 1016.14(b)(2)(v) **(v)** To underwrite insurance at the consumer's request or for reinsurance purposes, or for any of the following purposes as they relate to a consumer's insurance: account administration, reporting, investigating, or preventing fraud or material misrepresentation, processing premium payments, processing insurance claims, administering insurance benefits (including utilization review activities), participating in research projects, or as otherwise required or specifically permitted by Federal or state law; or ##### 12 CFR 1016.14(b)(2)(vi) **(vi)** In connection with: ###### 12 CFR 1016.14(b)(2)(vi)(A) **(A)** The authorization, settlement, billing, processing, clearing, transferring, reconciling or collection of amounts charged, debited, or otherwise paid using a debit, credit, or other payment card, check, or account number, or by other payment means; ###### 12 CFR 1016.14(b)(2)(vi)(B) **(B)** The transfer of receivables, accounts, or interests therein; or ###### 12 CFR 1016.14(b)(2)(vi)(C) **(C)** The audit of debit, credit, or other payment information. ## 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 1016.14 on eCFR](https://www.ecfr.gov/current/title-12/section-1016.14) 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 1016.14 Previous: [12 CFR 1016.13 GLBA: Exception to opt out requirements for service providers and joint marketing](https://dposchool.com/glba/section/1016.13) Next: [12 CFR 1016.15 GLBA: Other exceptions to notice and opt out requirements](https://dposchool.com/glba/section/1016.15) ## 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