The section 13 exemption also applies to the marketing of financial products or services offered by a „joint agreement” with one or more other financial institutions. The „joint agreement” requirement means that you have a written contract with one or more financial institutions regarding your joint offer, approval or sponsorship of a financial product or financial service. This does not apply to any type of joint marketing, but only to joint marketing with other financial institutions and only to the marketing of financial products or services. Title V seems to recognize that data protection issues are not intended to disrupt normal operations. As a result, Title V and data protection provisions have some important exceptions to restrictions on the exchange of information. It is important: (1) joint marketing agreements for products and services; (2) disclosure of non-public personal data to the extent necessary to carry out, manage or execute a transaction requested or approved by a consumer; (3) information relating to a proposed or actual securitization, the sale of sales on the secondary market (including service deasie) or similar transactions related to a consumer transaction; (4) the information to which the consumer consents; (5) information relating to the protection of confidentiality and security and the prevention of fraud; (6) statements to persons with a legal interest or benefit to the consumer; (7) information provided to a consumer information agency under the Fair Credit Report Act (FCRA) ;(fn4) (8) relating to a business sale or merger of businesses; and (9) advertisements for respect for federal, regional or communal law and judicial proceedings. The GLB law prohibits financial institutions from sharing account numbers or access numbers or similar codes for marketing purposes. This prohibition also applies when a consumer or customer has not decided not to disclose any NPI with respect to their account. The prohibition applies to the disclosure of account numbers for a credit card account, deposit account or „transaction account” from a person to unrelated third parties that they may use by email to a consumer in the field of telemarketing, direct issuance marketing or other marketing. A „transaction account” refers to any account on which a third party may collect a fee.
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