{"page":"/blog/glba-service-provider-exception-advertising","modified":"2026-11-10","license":"https://creativecommons.org/licenses/by/4.0/","columns":["Provision","What it says","Source"],"rows":[["12 CFR 1016.10(a)","The general disclosure rule sets out notice, an opportunity to opt out and the consumer’s choice.","Source text"],["12 CFR 1016.13(a)","The service provider exception calls for an initial notice and a contract limiting the recipient’s use and disclosure to the purposes for which the information was disclosed.","Source text"],["12 CFR 1016.13(b)–(c)","The rule describes marketing the institution’s own products or financial products under a written agreement with other financial institutions.","Source text"],["12 CFR 1016.11(a)–(b)","The reuse and redisclosure limits differ according to the route by which the recipient received the information.","Source text"],["12 CFR 1016.12(a)–(c)","The rule restricts sharing account numbers for marketing and states limited exceptions and a treatment for encrypted numbers.","Source text"],["12 CFR 1016.3(p)–(q)","Nonpublic personal information includes personally identifiable financial information and certain lists derived from it.","Source text"]],"sourceUrls":[["https://www.consumerfinance.gov/rules-policy/regulations/1016/10/"],["https://www.consumerfinance.gov/rules-policy/regulations/1016/13/"],["https://www.consumerfinance.gov/rules-policy/regulations/1016/13/"],["https://www.consumerfinance.gov/rules-policy/regulations/1016/11/"],["https://www.consumerfinance.gov/rules-policy/regulations/1016/12/"],["https://www.consumerfinance.gov/rules-policy/regulations/1016/3/"]]}