---
title: "12 U.S.C. 3404 RFPA: Customer authorizations"
canonical: "https://dposchool.com/rfpa/section/3404"
source: "https://uscode.house.gov/us/usc/119-136/t12/s3404/"
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. 3404 RFPA · Chapter 35: RIGHT TO FINANCIAL PRIVACY

# 12 U.S.C. 3404 RFPA: Customer authorizations

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

## Official text

### 12 U.S.C. 3404(a)

**(a)** Statement furnished by customer to financial institution and Government authority; contents

A customer may authorize disclosure under section 3402(1) of this title if he furnishes to the financial institution and to the Government authority seeking to obtain such disclosure a signed and dated statement which⁠—

#### 12 U.S.C. 3404(a)(1)

**(1)** authorizes such disclosure for a period not in excess of three months;

#### 12 U.S.C. 3404(a)(2)

**(2)** states that the customer may revoke such authorization at any time before the financial records are disclosed;

#### 12 U.S.C. 3404(a)(3)

**(3)** identifies the financial records which are authorized to be disclosed;

#### 12 U.S.C. 3404(a)(4)

**(4)** specifies the purposes for which, and the Government authority to which, such records may be disclosed; and

#### 12 U.S.C. 3404(a)(5)

**(5)** states the customer’s rights under this chapter.

### 12 U.S.C. 3404(b)

**(b)** Authorization as condition of doing business prohibited

No such authorization shall be required as a condition of doing business with any financial institution.

### 12 U.S.C. 3404(c)

**(c)** Right of customer to access to financial institution’s record of disclosures

The customer has the right, unless the Government authority obtains a court order as provided in section 3409 of this title, to obtain a copy of the record which the financial institution shall keep of all instances in which the customer’s record is disclosed to a Government authority pursuant to this section, including the identity of the Government authority to which such disclosure is made.

## 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, § 1104 , Nov. 10, 1978 , 92 Stat. 3698 ; Pub. L. 96-3 , Mar. 7, 1979 , 93 Stat. 5 .)

[12 U.S.C. 3404 on the Office of the Law Revision Counsel](https://uscode.house.gov/us/usc/119-136/t12/s3404/)

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. 3404

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

Next: [12 U.S.C. 3405 RFPA: Administrative subpena and summons](https://dposchool.com/rfpa/section/3405)

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