The statute provides protection for financial information-not mere names and addresses. Credit bureaus have the most current name and address files available because consumers update their addresses with their credit card companies and other lenders when they move. Law enforcement agencies use it to locate suspects, witnesses and dead- beat parents. The IRS uses it for returned mail, or to verify social security numbers. Mutual Funds use it to locate lost shareholders.
Banks use it to verify addresses when opening checking accounts.
If Regulation P prohibits the use of header data, the above mentioned will be forced to return to the phone book for names and addresses. I urge you to define non-public personal information in the manner that Congress intended.