Iowa Administrative Code › Agency 191 - Insurance Division › Insurance Coverage for Pediatric Preventive Services › Chapter 90 - Financial and Health Information Regulation › Rule 191-90.14 - Other Exceptions to Notice and Opt-out Requirements for Disclosure of Nonpublic Personal Financial Information

Current through Register Vol. 47, No. 3, July 24, 2024
(1) The
				requirements for initial notice to consumers in paragraph
				90.3(1)
"b,"
for the opt out in rules
				191-90.6 (505) and
				191-90.9 (505), and for service
				providers and joint marketing in rule
				191-90.12 (505) do not apply
				when a licensee discloses nonpublic personal financial information as follows:
a. With the consent or at the direction of
				the consumer, provided that the consumer has not revoked the consent or
				direction;
b. To protect the
				confidentiality or security of a licensee's records pertaining to the consumer,
				service, product, or transaction;
c. To protect against or prevent actual or
				potential fraud or unauthorized transactions;
d. For required institutional risk control or
				for resolving consumer disputes or inquiries;
e. To persons holding a legal or beneficial
				interest relating to the consumer;
f. To persons acting in a fiduciary or
				representative capacity on behalf of the consumer;
g. To provide information to insurance rate
				advisory organizations, guaranty funds or agencies, agencies that are rating a
				licensee, persons that are assessing the licensee's compliance with industry
				standards, and the licensee's attorneys, accountants and auditors;
h. To the extent specifically permitted or
				required under other provisions of law and in accordance with the federal Right
				to Financial Privacy Act of 1978, to law enforcement agencies including the
				Federal Reserve Board; Office of the Comptroller of the Currency; Federal
				Deposit Insurance Corporation; Office of Thrift Supervision; National Credit
				Union Administration; the Securities and Exchange Commission; the Secretary of
				the Treasury, with respect to 31 U.S.C. Chapter 53, Subchapter II, and 12
				U.S.C. Chapter 21, a state insurance authority, and the Federal Trade
				Commission, self-regulatory organizations or for an investigation on a matter
				related to public safety;
i. To a
				consumer reporting agency in accordance with the federal Fair Credit Reporting
				Act;
j. From a consumer report
				reported by a consumer reporting agency;
k. In connection with a proposed or actual
				sale, merger, transfer or exchange of all or a portion of a business or
				operating unit if the disclosure of nonpublic personal financial information
				concerns solely consumers of the business unit;
l. To comply with federal, state, or local
				laws, rules and other applicable legal requirements;
m. To comply with a properly authorized
				civil, criminal or regulatory investigation, or subpoena or summons by federal,
				state or local authorities;
n. To
				respond to judicial process or government regulatory authorities having
				jurisdiction over a licensee for examination, compliance or other purposes as
				authorized by law;
o. For purposes
				related to the replacement of a group benefit plan, a group health plan, a
				group welfare plan or a workers' compensation plan.