{"abstract":"The Office of the Comptroller of the Currency, Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, and the Office of Thrift Supervision, (collectively, the Agencies) are publishing final privacy rules pursuant to section 504 of the Gramm-Leach-Bliley Act (the GLB Act or Act). Section 504 authorizes the Agencies to issue regulations as may be necessary to implement notice requirements and restrictions on a financial institution's ability to disclose nonpublic personal information about consumers to nonaffiliated third parties. Pursuant to section 503 of the GLB Act, a financial institution must provide its customers with a notice of its privacy policies and practices. Section 502 prohibits a financial institution from disclosing nonpublic personal information about a consumer to nonaffiliated third parties unless the institution satisfies various notice and opt-out requirements and the consumer has not elected to opt out of the disclosure. These final rules implement the requirements outlined above.","action":"Joint final rule.","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"},{"raw_name":"Office of Thrift Supervision","name":"Thrift Supervision Office","id":489,"url":"https://www.federalregister.gov/agencies/thrift-supervision-office","json_url":"https://www.federalregister.gov/api/v1/agencies/489","parent_id":497,"slug":"thrift-supervision-office"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2000/06/01/00-13124.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"40","title":12},{"chapter":null,"citation_url":null,"part":"216","title":12},{"chapter":null,"citation_url":null,"part":"332","title":12},{"chapter":null,"citation_url":null,"part":"573","title":12}],"citation":"65 FR 35162","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This joint rule is effective November 13, 2000. However, compliance will be optional until July 1, 2001.","disposition_notes":null,"docket_ids":["Docket No. 00-10","Docket No. R-1058","Docket No. 2000-45"],"dockets":[],"document_number":"00-13124","effective_on":"2000-11-13","end_page":35236,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2000/06/01/00-13124.xml","html_url":"https://www.federalregister.gov/documents/2000/06/01/00-13124/privacy-of-consumer-financial-information","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/00-13124?publication_date=2000-06-01","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2000-06-01/00-13124/mods.xml","not_received_for_publication":null,"page_length":75,"page_views":{"count":2217,"last_updated":"2026-07-27 18:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2000-06-01/pdf/00-13124.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":null,"publication_date":"2000-06-01","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2000/06/01/00-13124.txt","regulation_id_number_info":{"1550-AB36":{"issue":"200010","html_url":"https://www.federalregister.gov/regulations/1550-AB36/privacy-nonpublic-personal-information-safeguarding-customer-information","title":"Privacy:  Nonpublic Personal Information; Safeguarding Customer Information","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=200010&RIN=1550-AB36&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"},"3064-AC32":{"issue":"200004","html_url":"https://www.federalregister.gov/regulations/3064-AC32/privacy-of-consumer-financial-information","title":"Privacy of Consumer Financial Information","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=200004&RIN=3064-AC32&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"},"1557-AB77":{"issue":"200004","html_url":"https://www.federalregister.gov/regulations/1557-AB77/privacy","title":"Privacy","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=200004&RIN=1557-AB77&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["1550-AB36","1557-AB77","3064-AC32"],"regulations_dot_gov_info":{},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":35162,"subtype":null,"title":"Privacy of Consumer Financial Information","toc_doc":"Consumer financial information; privacy requirements","toc_subject":null,"topics":["Banks, banking","Consumer protection","Foreign banking","Holding companies","Information","Privacy","Reporting and recordkeeping requirements","Savings associations"],"type":"Rule","volume":65}