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<REGINFO_RIN_DATA xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" RUN_DATE="2026-04-28-04:00" xsi:noNamespaceSchemaLocation="https://www.reginfo.gov/public/xml/REGINFO_XML_Ver10262011.xsd">
    <RIN_INFO>
        <RIN>3084-AA97</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>200904</PUBLICATION_ID>
            <PUBLICATION_TITLE>Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>3084</CODE>
            <NAME>Federal Trade Commission</NAME>
            <ACRONYM>FTC</ACRONYM>
        </AGENCY>
        <RULE_TITLE>Privacy of Consumer Financial Information</RULE_TITLE>
        <ABSTRACT><![CDATA[This rulemaking is related to RIN 3084-AA85.  In 2000, the Commission, the banking agencies, and the Securities and Exchange Commission published rules (Privacy Rules) for the Gramm-Leach-Bliley Act (GLB Act) requirement that financial institutions provide a notice of its privacy policies and practices to its customers.  The Privacy Rule does not specify any format or standardized wording for these notices. In response to concerns expressed by representatives of financial institutions, consumers, privacy advocates, and Members of Congress, the agencies conducted a workshop in December 2001 to consider how financial institutions could provide more useful privacy notices to consumers.  Subsequently, the agencies published an advance notice of proposed rulemaking (ANPRM) and requested comments on a variety of subjects including the goals, elements, language, costs and benefits, and permissible aspects of alternative privacy notices (68 FR 75164; Dec. 30, 2003). The comment period ended on March 29, 2004. Six of these agencies (seven as of April 2006) thereafter funded consumer research and testing to inform the development of alternative privacy notices that are easier for consumers to understand and use.

As directed by section 728 of the Financial Services Relief Act of 2006, Public Law  No. 109-351, which added section 503(e) to the GLB Act, the Commission, together with seven other Federal agencies (the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the Office of Thrift Supervision, the National Credit Union Administration, the Securities and Exchange Commission, and the Commodity Futures Trading Commission), must propose a model form that may be used at the option of financial institutions for the privacy notices required under GLB within 280 days after enactment, or by April 11, 2007. On March 29, 2007, the agencies published an NPRM proposing a model form of the prototype privacy notice developed during the consumer research testing project undertaken by first six, then seven, of these agencies.  (72 FR 14940)  Errata were published in the Federal Register on April 5, 2007, 72 FR 16875.  The comment period ended on May 29, 2007.  Staff of the agencies are reviewing the comments and expect the agencies to act by summer 2009.]]></ABSTRACT>
        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>Previously Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Proposed Rule Stage</RULE_STAGE>
        <MAJOR>No</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>No</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>16 CFR 313</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>15 USC 6801 et seq</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>Public Workshop</TTBL_ACTION>
                <TTBL_DATE>12/04/2001</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>ANPRM</TTBL_ACTION>
                <TTBL_DATE>12/30/2003</TTBL_DATE>
                <FR_CITATION>68 FR 75164</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>ANPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>03/29/2004</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM</TTBL_ACTION>
                <TTBL_DATE>03/29/2007</TTBL_DATE>
                <FR_CITATION>72 FR 14940</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Errata</TTBL_ACTION>
                <TTBL_DATE>04/05/2007</TTBL_DATE>
                <FR_CITATION>72 FR 16875</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>05/29/2007</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Agency Action</TTBL_ACTION>
                <TTBL_DATE>08/00/2009</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>No</RFA_REQUIRED>
        <SMALL_ENTITY_LIST>
            <SMALL_ENTITY>Businesses</SMALL_ENTITY>
        </SMALL_ENTITY_LIST>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>None</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>No</FEDERALISM>
        <ENERGY_AFFECTED>No</ENERGY_AFFECTED>
        <FURTHER_INFO_URL>www.regulations.gov/AGCY_FEDERALTRADECOMMISSION.cfm</FURTHER_INFO_URL>
        <PUBLIC_COMMENT_URL>www.regulations.gov/AGCY_FEDERALTRADECOMMISSION.CFM</PUBLIC_COMMENT_URL>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <RELATED_RIN_LIST>
            <RELATED_RIN>
                <RIN>3084-AA85</RIN>
                <RIN_RELATION>Related to</RIN_RELATION>
            </RELATED_RIN>
            <RELATED_RIN>
                <RIN>3064-AC77</RIN>
                <RIN_RELATION>Related to</RIN_RELATION>
            </RELATED_RIN>
            <RELATED_RIN>
                <RIN>1550-AB86</RIN>
                <RIN_RELATION>Related to</RIN_RELATION>
            </RELATED_RIN>
        </RELATED_RIN_LIST>
        <RELATED_AGENCY_LIST>
            <RELATED_AGENCY>
                <AGENCY>
                    <CODE>3235</CODE>
                    <NAME>Securities and Exchange Commission</NAME>
                    <ACRONYM>SEC</ACRONYM>
                </AGENCY>
                <AGENCY_RELATION>Joint</AGENCY_RELATION>
            </RELATED_AGENCY>
            <RELATED_AGENCY>
                <AGENCY>
                    <CODE>3064</CODE>
                    <NAME>Federal Deposit Insurance Corporation</NAME>
                    <ACRONYM>FDIC</ACRONYM>
                </AGENCY>
                <AGENCY_RELATION>Joint</AGENCY_RELATION>
            </RELATED_AGENCY>
            <RELATED_AGENCY>
                <AGENCY>
                    <CODE>3038</CODE>
                    <NAME>Commodity Futures Trading Commission</NAME>
                    <ACRONYM>CFTC</ACRONYM>
                </AGENCY>
                <AGENCY_RELATION>Joint</AGENCY_RELATION>
            </RELATED_AGENCY>
            <RELATED_AGENCY>
                <AGENCY>
                    <CODE>3133</CODE>
                    <NAME>National Credit Union Administration</NAME>
                    <ACRONYM>NCUA</ACRONYM>
                </AGENCY>
                <AGENCY_RELATION>Joint</AGENCY_RELATION>
            </RELATED_AGENCY>
            <RELATED_AGENCY>
                <AGENCY>
                    <CODE>1557</CODE>
                    <NAME>Comptroller of the Currency</NAME>
                    <ACRONYM>OCC</ACRONYM>
                </AGENCY>
                <AGENCY_RELATION>Joint</AGENCY_RELATION>
            </RELATED_AGENCY>
            <RELATED_AGENCY>
                <AGENCY>
                    <CODE>1550</CODE>
                    <NAME>Office of Thrift Supervision</NAME>
                    <ACRONYM>OTS</ACRONYM>
                </AGENCY>
                <AGENCY_RELATION>Joint</AGENCY_RELATION>
            </RELATED_AGENCY>
            <RELATED_AGENCY>
                <AGENCY>
                    <CODE>7100</CODE>
                    <NAME>Federal Reserve System</NAME>
                    <ACRONYM>FRS</ACRONYM>
                </AGENCY>
                <AGENCY_RELATION>Joint</AGENCY_RELATION>
            </RELATED_AGENCY>
        </RELATED_AGENCY_LIST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Loretta </FIRST_NAME>
                <LAST_NAME>Garrison</LAST_NAME>
                <TITLE>Senior Attorney</TITLE>
                <AGENCY>
                    <CODE>3084</CODE>
                    <NAME>Federal Trade Commission</NAME>
                    <ACRONYM>FTC</ACRONYM>
                </AGENCY>
                <PHONE>202 326-3043</PHONE>
                <EMAIL>lgarrison@ftc.gov</EMAIL>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>Bureau of Consumer Protection, 600 Pennsylvania Avenue NW,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20580</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
