--- title: "15 U.S.C. 6805 GLBA: Enforcement" canonical: "https://dposchool.com/glba/section/6805" source: "https://uscode.house.gov/us/usc/119-136/t15/s6805/" 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: "2026-10-22" language: "en" publisher: "DPO School" --- 15 U.S.C. 6805 GLBA · Chapter 94: PRIVACY # 15 U.S.C. 6805 GLBA: Enforcement United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026. ## Official text ### 15 U.S.C. 6805(a) **(a)** In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 \[12 U.S.C. 5511 et seq.\], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows: #### 15 U.S.C. 6805(a)(1) **(1)** Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813(q) of title 12, in the case of⁠— ##### 15 U.S.C. 6805(a)(1)(A) **(A)** national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities (except brokers, dealers, persons providing insurance, investment companies, and investment advisers); ##### 15 U.S.C. 6805(a)(1)(B) **(B)** member banks of the Federal Reserve System (other than national banks), branches and agencies of foreign banks (other than Federal branches, Federal agencies, and insured State branches of foreign banks), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act \[12 U.S.C. 601 et seq., 611 et seq.\], and bank holding companies and their nonbank subsidiaries or affiliates (except brokers, dealers, persons providing insurance, investment companies, and investment advisers); ##### 15 U.S.C. 6805(a)(1)(C) **(C)** banks insured by the Federal Deposit Insurance Corporation (other than members of the Federal Reserve System), insured State branches of foreign banks, and any subsidiaries of such entities (except brokers, dealers, persons providing insurance, investment companies, and investment advisers); and ##### 15 U.S.C. 6805(a)(1)(D) **(D)** savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations (except brokers, dealers, persons providing insurance, investment companies, and investment advisers). #### 15 U.S.C. 6805(a)(2) **(2)** Under the Federal Credit Union Act \[12 U.S.C. 1751 et seq.\], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity. #### 15 U.S.C. 6805(a)(3) **(3)** Under the Securities Exchange Act of 1934 \[15 U.S.C. 78a et seq.\], by the Securities and Exchange Commission with respect to any broker or dealer. #### 15 U.S.C. 6805(a)(4) **(4)** Under the Investment Company Act of 1940 \[15 U.S.C. 80a–1 et seq.\], by the Securities and Exchange Commission with respect to investment companies. #### 15 U.S.C. 6805(a)(5) **(5)** Under the Investment Advisers Act of 1940 \[15 U.S.C. 80b–1 et seq.\], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act. #### 15 U.S.C. 6805(a)(6) **(6)** Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title. #### 15 U.S.C. 6805(a)(7) **(7)** Under the Federal Trade Commission Act \[15 U.S.C. 41 et seq.\], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs (1) through (6) of this subsection. #### 15 U.S.C. 6805(a)(8) **(8)** Under subtitle E of the Consumer Financial Protection Act of 2010 \[12 U.S.C. 5561 et seq.\], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title. ### 15 U.S.C. 6805(b) **(b)** Enforcement of section 6801 #### 15 U.S.C. 6805(b)(1) **(1)** In general Except as provided in paragraph (2), the agencies and authorities described in subsection (a), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801(b) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p–1(a) of title 12 are implemented pursuant to such section. #### 15 U.S.C. 6805(b)(2) **(2)** Exception The agencies and authorities described in paragraphs (3), (4), (5), (6), and (7) of subsection (a) shall implement the standards prescribed under section 6801(b) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection (a). ### 15 U.S.C. 6805(c) **(c)** Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x(g)(2)(B)(iii) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x(a) of title 12. ### 15 U.S.C. 6805(d) **(d)** Definitions The terms used in subsection (a)(1) that are not defined in this subchapter or otherwise defined in section 1813(s) of title 12 shall have the same meaning as given in section 3101 of title 12. ## Source 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 credit: ( Pub. L. 106-102, title V, § 505 , Nov. 12, 1999 , 113 Stat. 1440 ; Pub. L. 111-203, title X, § 1093(4) , (5), July 21, 2010 , 124 Stat. 2096 , 2097.) [15 U.S.C. 6805 on the Office of the Law Revision Counsel](https://uscode.house.gov/us/usc/119-136/t15/s6805/) United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026. 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