The Gramm-Leach-Bliley Act (GLB Act) requires that financial institutions issue privacy notices to their customers, and, in certain circumstances, provide them with the opportunity to opt out of disclosures of nonpublic personal information to nonaffiliated third parties. Concerns have been raised about the clarity and effectiveness of some of the privacy notices. At the same time, some financial institutions have sought additional guidance about the form and content of their notices from the federal agencies charged with implementing and enforcing the GLB Act.
To address these critical and timely issues, the eight federal agencies (GLB Agencies) that issued regulations implementing the Act’s privacy provisions will held a joint public workshop, entitled Get Noticed: Effective Financial Privacy Notices, on Tuesday, December 4, 2001. The workshop addressed the challenges of and strategies for providing effective notice under the GLB Act. This interagency effort brought together government officials, financial institutions, industry associations, consumer and privacy advocates, and communications experts to discuss these issues through moderated panel discussions.
The GLB Agencies are:
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Workshop Transcripts [PDF ONLY - 409K] |
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Public Comments |
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Conference Presentations & Supporting Documents [Please note file sizes] |
The Challenges of Providing Effective Financial Privacy Notices:
The Consumer and Academic Perspective |
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Mary Culnan, Bentley College
Consumers & Privacy Notices |
[PDF] |
[PPS] 103K |
The Culnan-Milne Survey on Consumers & Online Privacy Notices:
Summary of Responses
Mary J. Culnan & George R. Milne |
[PDF] |
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E. Joyce Gould, Citizen Action of New York
Your Privacy is Important to Us? |
[PDF] |
[PPS] 64K |
Consumers' Privacy Concerns, Citizen Action of New York |
[PDF] |
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Your Privacy is Important to Us? A USAction Report, Citizen Action of
New York |
[PDF] |
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David Krane, Harris Interactive/Privacy Leadership Initiative
Privacy Leadership Initiative |
[PDF] |
[PPS] 397K |
Consumer Privacy Attitudes and Behaviors Survey Wave III, Harris Interactive |
[PDF] |
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Privacy Notices Research: Final Results, Harris Interactive |
[PDF] |
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The View from Communications Experts |
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William Lutz, Rutgers University
A Brief Bibliography on Plain Language |
[PDF] |
[PPS] 56K |
Deborah S. Bosley, Ph.D., University of North Carolina at Charlotte
A Five-Step Program: Designing Privacy Notices for Greater Readability |
[PDF] |
[PPS] 98K |
Irene A. Etzkorn, Siegelgale, Inc.
Effective Privacy Notices: The View from Communications Experts |
[PDF] |
[PPS] 4.5mB |
Josiah Fisk & Lynn Riddle, Firehouse Financial Communications LLC
What's Regulation Got to Do With It?: Simplying Your Communications As a Business Strategy |
[PDF] |
[PPS] 2.2mB |
Redesign Highlights, Firehouse Financial Communications LLC |
[PDF] |
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Mark Hochhauser, Ph.D., Readability Consultant
A Psychologist Looks at GLB: Four Steps to Better Privacy Notices |
[PDF] |
[PPS] 189K |
Alan Levy, Ph.D., Food and Drug Administration
Lessons From Nutrition Labeling: Content, Format & Evaluation |
[PDF] |
[PPS] 70K |
Industry Initiatives and Consumer Education Efforts |
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Martin E. Abrams, Hunton & Williams
The Notices Project: Common Short Informing Notices |
[PDF] |
[PPS] 59K |
John C. Dugan, Partner, Covington & Burling |
[PDF] |
[PPS] 39K |
Patricia Faley, The Direct Marketing Association, Inc.
Making Your GLB Privacy Notice "Readable" |
[PDF] |
[PPS] 104K |
Privacy Policy Generator, The Direct Marketing Association |
[PDF] |
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Tena Friery, Privacy Rights Clearinghouse
2001: The GLB Odyssey...We're Not There Yet |
[PDF] |
[PPS] 70K |
2001: The GLB Odyssey: We're Not There Yet, Privacy Rights Clearinghouse |
[PDF] |
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Susan E. Henrichsen, Office of the California Attorney General
What Privacy Notice? |
[PDF] |
[PPS] 244K |
Public Service Announcement Video, Idaho Attorney General's Office |
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[AVI] |
David Klaus, Privacy Leadership Initiative
Industry Initiatives on Consumer Education |
[PDF] |
[PPS] 51K |
Fran Maier, TRUSTe
Privacy Symbols and Labels Initiative |
[PDF] |
[PPS] 815K |
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Additional Supporting Documents |
Online Banking Privacy, Center for Democracy and Technology |
[PDF] |
The P3P Compliance Program, Privacy Council |
[PDF] |
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Federal GLB Resources |
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Panelist Biographies [PDF] |
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News Releases
Agenda Announced for December 4 Workshop on Effective Financial Privacy Notices (11/30/01)
Workshop Planned To Discuss Strategies for Providing Effective Financial Privacy Notices (9/24/01) |
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Federal Register Notice [PDF ONLY, 22KB] |
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Workshop Agenda [TEXT] [PDF] |
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