--- title: "12 CFR 1016.16 GLBA: Protection of Fair Credit Reporting Act" canonical: "https://dposchool.com/glba/section/1016.16" source: "https://www.ecfr.gov/current/title-12/section-1016.16" 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 1016.16 GLBA · Part 1016: PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) · Subpart D: Relation to Other Laws # 12 CFR 1016.16 GLBA: Protection of Fair Credit Reporting Act eCFR, up to date as of 29 October 2026. Retrieved 30 October 2026. ## Official text Nothing in this part shall be construed to modify, limit, or supersede the operation of the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), and no inference shall be drawn on the basis of the provisions of this part regarding whether information is transaction or experience information under section 603 of that Act. ## 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 1016.16 on eCFR](https://www.ecfr.gov/current/title-12/section-1016.16) 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 1016.16 Previous: [12 CFR 1016.15 GLBA: Other exceptions to notice and opt out requirements](https://dposchool.com/glba/section/1016.15) Next: [12 CFR 1016.17 GLBA: Relation to state laws](https://dposchool.com/glba/section/1016.17) ## 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