In 1999, the United States Congress passed the Financial Services Modernization Act, referred to as...

Notify customers of any sharing of non-public personal financial information with nonaffiliated third parties.

Prohibit customers from having the opportunity to 'opt-out' of sharing non-public personal financial information.

Disclose to affiliates, but not to third parties, their privacy policies regarding the sharing of nonpublic personal financial information.

Agree not to disclose personally identifiable financial information or personally identifiable health information.