{"data":{"id":"us/12-u.s.c.-3404","jurisdiction":"us","citation":"12 U.S.C. § 3404","heading":"Customer authorizations","body":"(a) Statement furnished by customer to financial institution and Government authority; contentsA customer may authorize disclosure under section 3402(1) of this title if he furnishes to the financial institution and to the Government authority seeking to obtain such disclosure a signed and dated statement which—(1) authorizes such disclosure for a period not in excess of three months; (2) states that the customer may revoke such authorization at any time before the financial records are disclosed; (3) identifies the financial records which are authorized to be disclosed; (4) specifies the purposes for which, and the Government authority to which, such records may be disclosed; and (5) states the customer’s rights under this chapter. (b) Authorization as condition of doing business prohibitedNo such authorization shall be required as a condition of doing business with any financial institution. (c) Right of customer to access to financial institution’s record of disclosuresThe customer has the right, unless the Government authority obtains a court order as provided in section 3409 of this title, to obtain a copy of the record which the financial institution shall keep of all instances in which the customer’s record is disclosed to a Government authority pursuant to this section, including the identity of the Government authority to which such disclosure is made.","path":["Title 12—BANKS AND BANKING","CHAPTER 35—RIGHT TO FINANCIAL PRIVACY"],"source_url":"https://uscode.house.gov/download/releasepoints/us/pl/119/103/xml_usc12@119-103.zip","current_through":"Public Law 119-103 (09/02/2026)","vintage":"","retrieved_at":"2026-09-10T05:56:24Z","sha256":"5a3ab22528265287da37909fa72f7a65b84de43e9cd78cd37f3157704bca2ead","source_id":"us","stale":false,"prev":"us/12-u.s.c.-3403","next":"us/12-u.s.c.-3405"},"notice":"GroundRules: Original legal text. Not legal advice."}