---
title: "12 U.S.C. 3402 RFPA: Access to financial records by Government authorities prohibited; exceptions"
canonical: "https://dposchool.com/rfpa/section/3402"
source: "https://uscode.house.gov/us/usc/119-136/t12/s3402/"
source_note: "Source: United States Code, title 12, 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."
text_as_of: "2026-10-22"
language: "en"
publisher: "DPO School"
---

12 U.S.C. 3402 RFPA · Chapter 35: RIGHT TO FINANCIAL PRIVACY

# 12 U.S.C. 3402 RFPA: Access to financial records by Government authorities prohibited; exceptions

United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026.

## Official text

Except as provided by section 3403(c) or (d), 3413, or 3414 of this title, no Government authority may have access to or obtain copies of, or the information contained in the financial records of any customer from a financial institution unless the financial records are reasonably described and⁠—

#### 12 U.S.C. 3402(1)

**(1)** such customer has authorized such disclosure in accordance with section 3404 of this title;

#### 12 U.S.C. 3402(2)

**(2)** such financial records are disclosed in response to an administrative subpena or summons which meets the requirements of section 3405 of this title;

#### 12 U.S.C. 3402(3)

**(3)** such financial records are disclosed in response to a search warrant which meets the requirements of section 3406 of this title;

#### 12 U.S.C. 3402(4)

**(4)** such financial records are disclosed in response to a judicial subpena which meets the requirements of section 3407 of this title; or

#### 12 U.S.C. 3402(5)

**(5)** such financial records are disclosed in response to a formal written request which meets the requirements of section 3408 of this title.

## Source

Source: United States Code, title 12, 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. 95-630, title XI, § 1102 , Nov. 10, 1978 , 92 Stat. 3697 .)

[12 U.S.C. 3402 on the Office of the Law Revision Counsel](https://uscode.house.gov/us/usc/119-136/t12/s3402/)

United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026.

This is reference material, not legal advice.

## Navigation

[RFPA Navigator](https://dposchool.com/rfpa) / 12 U.S.C. 3402

Previous: [12 U.S.C. 3401 RFPA: Definitions](https://dposchool.com/rfpa/section/3401)

Next: [12 U.S.C. 3403 RFPA: Confidentiality of financial records](https://dposchool.com/rfpa/section/3403)

## For AI agents

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