{"data":{"id":"us/17-cfr-160.14","jurisdiction":"us","citation":"17 CFR 160.14","heading":"Exceptions to notice and opt out requirements for processing and servicing transactions.","body":"(a) Exceptions for processing and servicing transactions at consumer's request. The requirements for initial notice in § 160.4(a)(2), for the opt out in §§ 160.7 and 160.10, and for initial notice in § 160.13 in connection with service providers and joint marketing, do not apply if you disclose nonpublic personal information as necessary to effect, administer, or enforce a transaction that a consumer requests or authorizes, or in connection with:\n(1) Processing or servicing a financial product or service that a consumer requests or authorizes;\n(2) Maintaining or servicing the consumer's account with you, or with another entity as part of an extension of credit on behalf of such entity as part of a private label credit card program or other extension of credit on behalf of such entity; or\n(3) A proposed or actual securitization, secondary market sale or similar transaction related to a transaction of the consumer.\n(b) Necessary to effect, administer or enforce a transaction means that the disclosure is:\n(1) Required, or is one of the lawful or appropriate methods, to enforce your rights or the rights of other persons engaged in carrying out the financial transaction or providing the product or service; or\n(2) Required, or is a usual, appropriate or acceptable method:\n(i) To carry out the transaction or the product or service business of which the transaction is a part, and record, service or maintain the consumer's account in the ordinary course of providing the financial service or financial product;\n(ii) To administer or service benefits or claims relating to the transaction or the product or service business of which it is a part;\n(iii) To provide a confirmation, statement or other record of the transaction, or information on the status or value of the financial service or financial product to the consumer or the consumer's agent or broker;\n(iv) To accrue or recognize incentives or bonuses associated with the transaction that are provided by you or any other party;\n(v) In connection with:\n(A) The authorization, settlement, billing, processing, clearing, transferring, reconciling or collection of amounts charged, debited or otherwise paid using a debit, credit or other payment card, check or account number, or by other payment means;\n(B) The transfer of receivables, accounts or interests therein; or\n(C) The audit of debit, credit or other payment information.","path":["Title 17—Commodity and Securities Exchanges","CHAPTER I—COMMODITY FUTURES TRADING COMMISSION","PART 160—PRIVACY OF CONSUMER FINANCIAL INFORMATION UNDER TITLE V OF THE GRAMM-LEACH-BLILEY ACT","Subpart C—Exceptions"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-17.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:31Z","sha256":"9d3efa483b10a59e39fe7eb05b9d848b40db254ca52ddff439331a8081e325c7","source_id":"us-cfr","stale":true,"prev":"us/17-cfr-160.13","next":"us/17-cfr-160.15"},"notice":"GroundRules: Original legal text. Not legal advice."}