二零二三年美國貸款課程。第十九集《從零開始》美國貸款經紀考試準備視頻 - 聯邦隱私保護以及銷費者鑒別法律（繼續）。英文不好如何通過貸款經紀考試？建友地產貸款培訓（2023）。
#貸款執照#貸款考試#貸款經紀
二零二三年美國貸款課程。第十九集《從零開始》美國貸款經紀考試準備視頻 - 聯邦隱私保護以及銷費者鑒別法律（繼續）。英文不好如何通過貸款經紀考試？建友地產貸款培訓（2023）。
歡迎收看《建友地產貸款培訓》
若需要貸款 請聯系Kenny Tan, (714)316-0591 / NMLS 1371528
請加我們微信👉🏻 attkennytan 瞭解更多資訊！
0:00:00 - Intro
0:00:55 - Gramm-Leach-Bliley Act
0;01:33 - Financial Privacy Rule
0:04:58 - Definition of Consumer
0:05:33 - Definition of Customer
0:05:54 - Safeguard Rule
0:08:03 - Pretexting Provisions
0:09:21 - US Patriot Act
0:11:08 - National Do Not Call Registry
0:13:06 - Established Business Relationship
---------------------------------------------------------
keywords -
聯邦隱私保護以及消費者鑒別法
（2）
Gramm-Leach-Bliley Act
USA Patriot Act
（美國效忠法）
National Do Not Call Registry
Established Business Relationship
Gramm-Leach-Bliley Act
Protect and regulate the disclosure of consumer’s personal financial information.
There are 3 parts
Financial Privacy Rule (財務隱私規則)
Safeguards Rule (把關規則)
Pretexting Provisions (假托規定)
Financial Privacy Rule
Non-public Personal Information (非公共個人信息) 另稱為NPI
e.g. of NPI - driver’s license, social security, home address, phone number,
Cannot release actual account information
to non-affiliated third party
What does NPI include:
What consumer puts on an application
Data about the consumer from another source, e.g. credit reporting agencies
Transactions between consumers and the company, e.g. account balances, payment history or credit or debit card purchase
Whether the consumer is a customer of the company
Financial institution must disclose to the consumer their Consumer Privacy Policy annually and give consumer the right to opt out of the protection before they share NPI with others.
Definition of financial institution includes mortgage lenders and mortgage brokers.
Even if no opt-out, no sharing of NPI with non-affiliated third party
Definition of Consumer
Individual who obtained financial product or services for personal, family, or household reasons, usually on a one-time basis.
Definition of Customer
A relationship is significant and/or long term.
Safeguard Rule
Consumer information – any records containing non-public information
Service provider – any person or entity that receives, maintains, processes, otherwise is permitted access to customer information through the provision of services
Requires financial institutions to adopt Safeguard policy that includes the followings:
Ensure security and confidentiality of consumer records
Protect against anticipated threats or hazards in the security of the records
Protects against the unauthorized access
Pretexting Provisions
Protects consumers from individuals and companies that obtain their personal financial information under the false pretense of someone they are not.
Phishing – fishing for a person’s NPI through use of fake website that looks like the website of a financial institution.
Example:
US Patriot Act
In response to 911 attack
Increases law enforcement (增加執法) to search telephone, email, medical, financial, and other record
Eases on foreign intelligence （gathering within US（放寬美國境內外国情报的收集）
Expands Secretary of Treasury ’s authority (to regulate financial transactions （擴大財務部長對於金融交易的監察）
Enhances deportation of immigrants suspected of terrorism-related acts.（提升與恐怖行動相關的驅逐出境）
Requires lenders to create and maintain consumer identification programs to prevent financing of terrorism and money laundering.
National Do Not Call Registry (聯邦電話銷售規則)
The list is managed and enforced by the Federal Trade Commission (FTC)
No calls to homes to sell goods or services outside the hours of 8 am and 9 PM.
Protection for calls to consumers only. Not to businesses.
Calls from political organizations, charities, and telephone surveyors are permitted.
Established Business Relationship (已成立生意關係)
May call a customer for up to 18 months after the last purchase of goods or services, even If the customer’s number is on the National Do Not Call list.
Also, the company may call the consumer for up to 3 months after inquiry or submittal of application to the company
If consumer has asked to be put on company’s internal Do Not Call List, then may not call even if there is EBR.