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: y B y p r e h S d d o T . R . A . P w a L s e n o J & y p r e h S C L L , s e c i v r e S l a n o i t a c u d E d n a s e c r u o s e R n o i n U t i d e r C 9 9 5 2 x o B e c i f f O t s o P 1 7 0 9 2 C S , n o t g n i x e L 0 7 7 e n o h P a t n a l t A - 1 3 6 - 7 2 5 3 6 5 3 3 0 8 e n o h P C S - 7 2 3 3 y p r e h s @ s t r - s e n o j - m o c . w a l 4 9 9 1 , C L L , S E R U C © : t h g i r y p o C - 6 1 0 2 - . d e v r e s e r s t h g i r l l a m m a r G - h c a e L - y c a v i r P & y e l i l B r e m i r P

Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

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Page 1: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

:yByprehS ddoT .R

.A.P waL senoJ & yprehSCLL ,secivreS lanoitacudE dna secruoseR noinU tiderC

9952 xoB eciffO tsoP17092 CS ,notgnixeL

077 enohP atnaltA - 136 - 7253653 308 enohP CS - 7233

yprehs@str - senoj - moc.wal4991 ,CLL ,SERUC © :thgirypoC - 6102 - .devreser sthgir lla

mmarG - hcaeL - ycavirP & yelilB

remirP

Page 2: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

nrecnoC dluohS ytiruceS dna ycavirP yhW .noinU tiderC yrevE

Page 3: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

sregnaD eht dnatsrednU –… stifeneB

Page 4: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

sneppaH ffutS

Page 5: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

MRE fo trap a sa redisnoC -- llarevO na si tI noinU tiderC eht ot labolG … tpecnoC

Page 6: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

yrotutatS dna waL nommoCsnoitalugeR / swaL

Page 7: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

mmarG - hcaeL - yelilB6101 RFC 21

Page 8: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

mmarG - hcaeL - yelilB -- RFC 21 § 2.6101.selpmaxe dna mrof ycavirp ledoM

Page 9: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

mmarG - hcaeL - yelilB -- § laitinI 4.6101.deriuqer sremusnoc ot eciton ycavirp

Page 10: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

mmarG - hcaeL - yelilB -- § launnA 5.6101.I deriuqer sremotsuc ot eciton ycavirp

ehT :secitoN ycavirP launnA no egnahC tcA TSAF fo yrammuS eht ot noitpecxe na sedivorp ABLG fo tnemdnema s’tcA TSAF

taht noinu tiderc yna rof tnemeriuqer eciton ycavirp launna:snoitidnoc owt gniwollof eht seifsitas

lanosrep cilbupnon erahs ton seod noinu tiderc ehT 1 rednu tpecxe ,seitrap driht detailiffanon htiw noitamrofni

ot ,.g.e ,P noitalugeR ni detaremune snoitpecxe niatrec tiderc eht fo flaheb no secivres mrofrep ohw sredivorp ecivres

ot yrassecen sa ro ;tnemeerga tnioj a ot tnausrup noinu dezirohtua ro detseuqer noitcasnart a ecrofne ro retsinimda

dna ;rebmem eht yb dna seicilop ycavirp sti degnahc ton sah noinu tiderc ehT 2

lanosrep cilbupnon gnisolcsid ot tcepser htiw secitcarp sti ot eciton ycavirp a dedivorp tsal ti ecnis noitamrofni

.srebmem

Page 11: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

mmarG - hcaeL - yelilB -- § launnA 5.6101.II deriuqer sremotsuc ot eciton ycavirp

tiderc a fi ,wal dednema eht rednU ,snoitidnoc eseht fo htob steem noinu

edivorp ot deriuqer regnol on si ti srebmem laudividni ot seciton ycavirp

.sisab launna na no

tonnac noinu tiderc a fi ,ylevitanretlA tsum ti ,snoitidnoc eseht fo htob teem

eciton ycavirp a edivorp ot eunitnoc seciton ycavirp launna ,.e.i( .yllaunna

noinu tiderc a nehw dna fi deriuqer era ro gnirahs atad ot segnahc sekam

yaw a ni atad rebmem gnirahs snigeb .)thgir tuo tpo na reggirt dluow taht

RFC 21 eeS § 8.6101

Page 12: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

mmarG - hcaeL - yelilB -- § launnA 5.6101.II deriuqer sremotsuc ot eciton ycavirp

eseht yfsitas ton seod noinu tiderc a fI edivorp tsum suht dna ,snoitidnoc llits yam ti ,seciton ycavirp launna

rehtar enilno eciton ycavirp eht tsop liam yb seciton laudividni eussi naht eht yb deussi elur lanif a ot tnausrup enilno eht :rebmemeR .llaf tsal BPFC

fi elbaliava si evitanretla eciton sa hcus ,tem era snoitidnoc niatrec dluow taht syaw ni atad gnirahs ton

tpo ’srebmem reggirt - eeS .sthgir tuo dedeen sa siht no eciton roirp ruo

45( - 4102 - ecitoN ytinummoC – BPFC ycavirP launnA timiL ot lasoporP

.)serusolcsiD

Page 13: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

mmarG - hcaeL - yelilB – tuO gnitpO

Page 14: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

mmarG - hcaeL - yelilB -- § 21 ot 01.6101 serusolcsiD no snoitatimiL

Page 15: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

snoitpecxE BLG – 21 no sucoF51. dna 41.6101 RFC

Page 16: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

tuO yaD // ni yaD

Page 17: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

sserddA dna WONKsnoitatimiL

”esU dezirohtuA“ dna ”resU dezirohtuA“ ,lautca sah ohw nosrep yna snaem yna nevig emit yna ta sah renwo yna mohw ot ro ,ytirohtua tnerappa ro deilpmi

,ssecca ot nosrep a hcus selbane taht noitatnemucod ro ecived ssecca ,noitamrofni tnuocca ruoy fo yna esu ot ro ,stnuocca ruoy morf ro ot snoitcasnart ekam ,wardhtiw

.secivres :noitsegguS yna sah taht tnuocca na no renwo tnioj a evah uoy fI siht taht dnatsrednu uoy )esiwrehto ro enilno( tnuocca tnioj eht ot ssecca detaicossa secivres dna stnuocca lla ssecca yam resu dezirohtua ro renwo

.e.i( xiferp tnuocca emas eht gnivah stnuocca rehto lla dna tnuocca eht htiwrebmun tnuocca dias htiw detaicossa sexiffus lla dna rebmun tnuocca .) uoy fI

uoy litnu eunitnoc llahs ytirohtua taht ,secived ssecca ruoy esu ot enoyna ezirohtua sa ro gnitirw ni noinU tiderC eht gniyfiton yb ytirohtua hcus ekover yllacificeps

yna gnidrager uoy tcatnoc stnega ruo fo yna ro ew fI .swal elbacilppa yb deriuqer ruoy no yler yam ew eerga uoy )s(noitcasnart eht yfirev uoy dna )s(noitcasnartuoy yb dezirohtua demeed eb llahs )s(noitcasnart hcus yna taht dna ;noitacifirev . fI

noinU tiderC eht dna sedoc ssecca eseht fo ytiruces eht niatniam ot liaf uoy secivres tnuocca ruoy fo lla ro yna etanimret yam ew ,ssol a sreffus

.yletaidemmi tuohtiw sedulcni dna yldaorb deurtsnoc eb ot dednetni si noitinifed sihT sa yenrotta fo rewop a sa hcus tnemucod nettirw a rednu gnitca sresu lla noitatimil morf ro ot stibed ro stisoped ekam ot dezirohtua si taht ytitne ro nosrep yna sa llew evah yeht meti na no tnemyap pots yam rengis dezirohtua nA .su htiw stnuocca ruoy

yna etanimret ro )s(tnuocca yna esolc ton yam tub ,deredro esiwrehto ro nward elbatpecca na snaem ”kcehC“ .tnesnoc nettirw cificeps srenwo eht tuohtiw secivres

”.tfard erahs“ mret eht sedulcni dna ,)s(tnuocca ruoy no ”tnemurtsni“ nettirw

Page 18: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

eiT ycavirP / gnitekraM - snIpihsrebmeM ,stropeR tiderC - secivreS noinU tiderC rehtO ,ytilibigilE tnuoccA

:aideM laicoS dna ,pihsrebmem rof ytilibigile deunitnoc ro ytilibigile ruoy yfirev oT ro/dna secivres ni sesaerced ro sesaercni ;stcudorp naol ro ,)s(ecivres ,)s(tnuocca yna

,wal elbacilppa yna htiw ylpmoc ot dedeen sa ro ;erutuf eht ni dna won ,stimil tiderc ot yriuqni ekam ot su ezirohtua uoy ,stnemeriuqer ycnega latnemnrevog ro noitaluger

yna gninrecnoc noitamrofni niatbo ot dna yrotsih tnemyolpme ruoy enimreted tiderc remusnoc gnidulcni ,yrotsih tiderc ruoy dna snoitutitsni rehto htiw stnuocca

tnuocca ,tnuocca yna ot seilppa ytirohtua siht taht eerga uoY .stroper - ,ecivres detaler elbaliava ekam ro reffo yam ew hcihw ro tseuqer uoy stcudorp laicnanif rehto ro snaol

ot tiderc dna )s(tnuocca ruoy gninrecnoc noitamrofni troper osla yam eW .uoy ot noinU tiderC esu ot emit ot emit morf tcele yam uoy taht dnatsrednu osla uoY .srehto

ro ycavirp fo mialc on si ereht taht ;secruos dna sloot aidem laicos ’seitrap rehto ro dna ;gnirahs ro esu hcus morf elbinrecsid ro derahs noitamrofni gnidrager egelivirp

uoy fI .sthgir rehto ro ycavirp ruoy etaloiv ton seod su yb noitamrofni hcus fo esu eht laicos yna esu yam ew aidem laicos aiv su htiw gnitacinummoc ot detnesnoc evah

.emit ot emit morf hsilbatse yam uoy sesserdda aidem

Page 19: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

tiderC dna ycavirP no eroMsmetsyS noinU

Page 20: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

seluR rehtO.1 ARCF – stropeR tiderC

847 RFC 21 & rof snoitagilbO

rebmeM gnidraugefaSnoitamrofnI

.2 A xidneppA – ytiruceSmargorP

.3 B xidneppA – esnopseRsmargorP

Page 21: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

& AUCN morf ecnadiuG TICEIFF

C/secruoseR/vog.aucn.www//:ptthitatcepxExpsa.uctlTSI/segaP/TI/sU

sno - ecnaileR

ti/vog.ceiff.koobdnahti//:ptth -noitamrofni/stelkoob - xpsa.ytiruces

/segaP/sweN/vog.aucn.www//:ptthpsa.tnemetatSCEIFF03305102WN

x

Page 22: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

ecnadiuG yrotalugeR rehtO

secidneppA dna 847 RFC 21 noinU tiderC ot retteL AUCN

60 .soN - UCF - 60 01 - UCF - 30 ;60 -UCF - TI lareneG 70 – CEIFF

30 ;ecnadiuG - UCF - 30 ;41 - UCF - dna lennosreP ;60

hctaP dna TI rof seitilibisnopseR10 ;tnemeganaM - UCF - 11 -

99 ;ytiruceS ataD cinortcelE -UCF - 91 – ytiruceS rof rotinoM

60 ;snoisurtnI - UCF - E 70 -00 ;ytiruceS gniknaB - UCF - 20

30;skcehC dnuorgkcaB - UCF - 80beW - 20 osla eeS( sksiR gniknil -UCF - 30 ;)40 - UCF - sseleriW 80

50 ;ygolonhceT - UCF - gnihsihP 02

Page 23: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

& seiciloP ytiruceS & ycavirPserudecorP

lacisyhP ytiruceS noinU tiderCyciloP

tiderC 617 lanretnI noinU yciloP eeyolpmE ytilaitnedifnoC

tnemeergA reetnuloV ytilaitnedifnoC

tnemeergA elbaT tnempiuqE fo lasopsiD rof rebmeM ytiruceS noitamrofnI deliateD yciloP esnopseR tnedicnI TCAF - galF deR dna tfehT DI

serudecorP metI 7 : - denruteR noinU tiderC

liaM - serudecorP egnahC sserddA

Page 24: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

/ secruoseR rehtOsnoitaredisnoC

fo lasopsiD rof elbaTtnempiuqE

TCAF - rebmeMytiruceS noitamrofnI

tnedicnI deliateDyciloP esnopseR

TCAF - dna tfehT DIserudecorP galF deR

tiderC denruteR noinU liaM - egnahC sserddA

serudecorP

Page 25: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

dna tnemssessA ksiR TIgnitropeR

tiderC ot retteL AUCN60 .oN noinU - UCF - 31 –

tnemssessA ksiR retteL AUCN ;deriuqeR

10 .oN noinU tiderC ot -UCF - mrofni ot dna( 21

ksiR eht fo draoB eht seluR AUCN )tnemssessA

RFC 21 :snoitalugeR dna 21 ;secidneppA dna 847B xidneppA dna 947 RFC

Page 26: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

spihsnoitaleR ytraP drihT

Page 27: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

stseuqeR noitamrofnI dna noitcudorP tnemucoD ot ediuG

ediuG erusolcsiD

Page 28: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

esneS ’nikaerF nommoC

Page 29: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

sdroceR & gniniarT

Page 30: Gramm - Leach - Bliley & Privacy Primer€¦ · Gramm - Leach - Bliley -- § 1016.5 Annual privacy notice to customers required II. If a credit union does not satisfy these conditions,

:snoitseuQ .A.P senoJ & yprehS

P TSO O ECIFF B XO 9952L NOTGNIXE 17092 CS ,

C TIDER U NOIN R SECRUOSE DNA E LANOITACUD S SECIVRE )”SERUC“( CLL ,P 401 ALUSNINE D EVIR

P EERTHCAE C YTI 96203 AG ,077 - 136 - 7253

P ENOH 7233653 )308( :STR @ YPREHS - SENOJ - WAL . MOC