{"page":"/blog/glba-joint-marketing-exception","modified":"2026-11-10","license":"https://creativecommons.org/licenses/by/4.0/","columns":["Step","What Regulation P says","Citation"],"rows":[["Initial notice","To a customer no later than when the relationship starts; to any other consumer before a disclosure outside §§ 1016.14 and 1016.15","§ 1016.4(a)"],["Notice content","Categories of information collected and disclosed, categories of recipients, and a separate statement for disclosures made under § 1016.13","§ 1016.6(a)"],["Opt-out notice","States that the institution discloses or may disclose, that the consumer can opt out, and a reasonable means to do so","§ 1016.7(a)(1)"],["Reasonable means","Check-off box, reply form, electronic process or toll-free number; a self-written letter as the only route is not reasonable","§ 1016.7(a)(2)"],["Reasonable opportunity","Examples: 30 days after mailing, or 30 days after the customer acknowledges electronic notices","§ 1016.10(a)(3)"],["Delivery","So that each consumer \"can reasonably be expected to receive actual notice\"; a branch sign or an ad is not enough","§ 1016.9"],["Revised notice","Needed before sharing a new category of data or with a new category of recipient","§ 1016.8(b)"],["Annual notice","Every 12 months to customers, unless the institution shares only under §§ 1016.13 to 1016.15 and its policy has not changed","§ 1016.5(a), (e)"],["Honouring the opt-out","\"As soon as reasonably practicable\"; the right continues at any time; the direction lasts until revoked","§ 1016.7(g) to (i)"],["Partial opt-out","The institution may let consumers opt out of some recipients or some data only","§ 1016.10(c)"]],"sourceUrls":[["https://www.law.cornell.edu/cfr/text/12/1016.4"],["https://www.law.cornell.edu/cfr/text/12/1016.6"],["https://www.law.cornell.edu/cfr/text/12/1016.7"],["https://www.law.cornell.edu/cfr/text/12/1016.7"],["https://www.law.cornell.edu/cfr/text/12/1016.10"],["https://www.law.cornell.edu/cfr/text/12/1016.9"],["https://www.law.cornell.edu/cfr/text/12/1016.8"],["https://www.law.cornell.edu/cfr/text/12/1016.5"],["https://www.law.cornell.edu/cfr/text/12/1016.7"],["https://www.law.cornell.edu/cfr/text/12/1016.10"]]}