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Credit card privacy laws do not protect your information as thoroughly as you might expect. By being proactive and blocking credit card companies and marketers from using your information, you will not only increase your expectation of privacy but reduce your risk of identity theft and other financial fraud.What is the consumer bank account records Privacy Act?
Congress passed the law, which protects the confidentiality of personal financial records, in response to the 1976 Supreme Court’s United States v. Miller ruling which found that the consumer bank account records aren’t subject to constitutional privacy protection. The 1978 law extended Fourth Amendment privacy protection to such information.Who does the Consumer Privacy Act apply to?
The new law applies to many types of financial institutions. The law covers banks, savings and loans, credit unions, insurance companies and securities firms. It even includes some retailers and automobile dealers that collect and share personal information about consumers to whom they extend or arrange credit.How does the Financial Privacy Act of 1978 protect my privacy?
The 1978 law extended Fourth Amendment privacy protection to such information. under the Financial Privacy Act, government officials normally must get written consent, or obtain a subpoena or search warrant in order to peruse your financial records. Before authorized searches can take place,...