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16 CFR Part 313
FTC Privacy of Consumer Financial Information Rule
Prepared by Shubhank Suman · Last reviewed
Status not verified beyond supplied text
- Legal character
- Federal regulation
- Region
- North America
What it covers
Privacy notices and specified nonaffiliated-third-party disclosures of consumers’ nonpublic personal financial information. The supplied § 313.1(b) limits FTC rulemaking coverage to qualifying motor-vehicle dealers described in 12 U.S.C. 5519, rather than every financial institution.
Why it matters
Avoids confusing the FTC’s notice/sharing rule with its broader financial security rule or another regulator’s implementing regulations. Annual notices and opt-outs have express exceptions.
Refer to it when
Research a qualifying motor-vehicle dealer’s privacy notice, financial-information sharing or consumer opt-out arrangements.
AI, privacy and cybersecurity relevance
- AI: Low
- Privacy: Very High
- Cyber: Low
AI
LOW RELEVANCE
No AI-specific regime; disclosures of covered financial data remain relevant to analytics providers.
Privacy
VERY HIGH RELEVANCE
Notices, disclosure limits and opt-out rights.
Cybersecurity
LOW RELEVANCE
This is not the written-security-programme rule.
Applicability
The FTC rulemaking-authority motor-vehicle institutions described in § 313.1(b), subject to the statutory dealer exclusions and personal-purpose information test.
Read first
§ 313.1(b) → .3 → .4-.9 → .10-.15 → Appendix A where a model notice is used.
Provisions / sections covered
§§ 313.1-.3 - Scope, model form and definitions
Covers personal/family/household financial information, not business-purpose or company information. Specified dealers extending unassigned retail credit/leases are excluded. The Appendix A model form is optional.
§§ 313.4-.9 - Notices and opt-out
Initial, annual and revised notice, content, opt-out and delivery. Section 313.5(e) provides a conditional annual-notice exception; it is not an unconditional annual mailing duty.
§§ 313.10-.12 - Disclosure and reuse limits
Nonaffiliate disclosure, redisclosure/reuse and account-number marketing restrictions.
§§ 313.13-.18 - Exceptions and other laws
Service-provider/joint-marketing, transaction and other permitted disclosures, with conditions. Read State-law relationships and original transition provisions separately from later changes.
Related instruments in this library
- Gramm-Leach-Bliley Act – Privacy (15 U.S.C. Chapter 94)Law · Current (amended)Parent statute for the notice and information-sharing requirements.
- FTC Safeguards RuleRegulation · Status not verifiedSeparate financial-security obligations; its coverage is broader than Part 313.
- SEC Regulations S-P, S-AM and S-IDRegulation · Status not verifiedParallel SEC-regulated financial privacy rules, with different scope.
Document page in the Knowledge Base - full text or PDF where it is available for this record.
This library locates primary and official sources. It does not interpret the law and it is not legal advice.