--- title: "12 CFR 1016.15 GLBA: Other exceptions to notice and opt out requirements" canonical: "https://dposchool.com/glba/section/1016.15" source: "https://www.ecfr.gov/current/title-12/section-1016.15" 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 1016.15 GLBA · Part 1016: PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) · Subpart C: Exceptions # 12 CFR 1016.15 GLBA: Other exceptions to notice and opt out requirements eCFR, up to date as of 29 October 2026. Retrieved 30 October 2026. ## Official text ### 12 CFR 1016.15(a) **(a)** Exceptions to opt out requirements. 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 when you disclose nonpublic personal information: #### 12 CFR 1016.15(a)(1) **(1)** With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction; **(2)(i)** To protect the confidentiality or security of your records pertaining to the consumer, service, product, or transaction; ##### 12 CFR 1016.15(a)(1)(ii) **(ii)** To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability; ##### 12 CFR 1016.15(a)(1)(iii) **(iii)** For required institutional risk control or for resolving consumer disputes or inquiries; ##### 12 CFR 1016.15(a)(1)(iv) **(iv)** To persons holding a legal or beneficial interest relating to the consumer; or ##### 12 CFR 1016.15(a)(1)(v) **(v)** To persons acting in a fiduciary or representative capacity on behalf of the consumer; #### 12 CFR 1016.15(a)(3) **(3)** To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating you, persons that are assessing your compliance with industry standards, and your attorneys, accountants, and auditors; #### 12 CFR 1016.15(a)(4) **(4)** To the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 (12 U.S.C. 3401 et seq.) to law enforcement agencies (including the Bureau, a Federal functional regulator, the Secretary of the Treasury, with respect to 31 U.S.C. Chapter 53, Subchapter II (Records and Reports on Monetary Instruments and Transactions) and 12 U.S.C. Chapter 21 (Financial Recordkeeping), a state insurance authority, with respect to any person domiciled in that insurance authority's state that is engaged in providing insurance, and the Federal Trade Commission), self-regulatory organizations, or for an investigation on a matter related to public safety; **(5)(i)** To a consumer reporting agency in accordance with the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.); or ##### 12 CFR 1016.15(a)(4)(ii) **(ii)** From a consumer report reported by a consumer reporting agency; #### 12 CFR 1016.15(a)(6) **(6)** In connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or **(7)(i)** To comply with Federal, state, or local laws, rules and other applicable legal requirements; ##### 12 CFR 1016.15(a)(6)(ii) **(ii)** To comply with a properly authorized civil, criminal, or regulatory investigation, or subpoena or summons by Federal, state, or local authorities; or ##### 12 CFR 1016.15(a)(6)(iii) **(iii)** To respond to judicial process or government regulatory authorities having jurisdiction over you for examination, compliance, or other purposes as authorized by law. ### 12 CFR 1016.15(b) **(b)** Examples of consent and revocation of consent. (1) A consumer may specifically consent to your disclosure to a nonaffiliated insurance company of the fact that the consumer has applied to you for a mortgage so that the insurance company can offer homeowner's insurance to the consumer. #### 12 CFR 1016.15(b)(2) **(2)** A consumer may revoke consent by subsequently exercising the right to opt out of future disclosures of nonpublic personal information as permitted under § 1016.7(h) of this part. ## 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 1016.15 on eCFR](https://www.ecfr.gov/current/title-12/section-1016.15) 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 1016.15 Previous: [12 CFR 1016.14 GLBA: Exceptions to notice and opt out requirements for processing and servicing transactions](https://dposchool.com/glba/section/1016.14) Next: [12 CFR 1016.16 GLBA: Protection of Fair Credit Reporting Act](https://dposchool.com/glba/section/1016.16) ## 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