Non public personal information under Regulation P includes:

Personally unidentifiable financial information
Any list or grouping of consumers that us derived using personally identifiable financial information that is not publicly available
Federal state and local government records
Both B and C

Answer(s): D

An institution must take steps to determine that information is lawfully made available to the public, including a determination:

That it includes Federal, state and local government records
That the information is of the type that is available to the public
Whether the individual can direct that the information not be made available to the public, and, if so, that the consumer has not done so
That a list of names, addresses of consumers of an organization that is not a financial institution

Answer(s): B,C

An institution must take steps to determine that information is lawfully made available to the public, including a determination:

A notice must be given to a consumer before the institution discloses any nonpublic personal information about the consumer to a nonaffiliated third party, unless the disclosure is on the exempt list
That it includes Federal, state and local government records
A notice is not required to be given to a consumer who is not a customer if the financial institution does not disclose any nonpublic personal information about the consumer to any nonaffiliated third party, other than as authorized by this regulation
That the information is of the type that is available to the public
Only one notice is required to be provided on joint accounts. Therefore only one notice need to be provided to consumer loan customers even if there is more than one borrower and even if there is a separate guarantor
Whether the individual can direct that the information not be made available to the public, and, if so, that the consumer has not done so
All of these
That a list of names, addresses of consumers of an organization that is not a financial institution

Answer(s): B,B

An institution must take steps to determine that information is lawfully made available to the public, including a determination:

That it includes Federal, state and local government records
That the information is of the type that is available to the public
Whether the individual can direct that the information not be made available to the public, and, if so, that the consumer has not done so
That a list of names, addresses of consumers of an organization that is not a financial institution

Answer(s): B,C

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