,,ii  #aac? ,,congress  #a/ ,session    
,s4 #fce  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,m>* #ba1 #bjac ,mr4   
,br[n 7= himself1 ,mr4 ,moran1 ,mr4     
,te/]1 ,mr4 ,johanns1 ,mr4 ,w>n]1 ,ms4  
,heitkamp1 ,mr4 ,toomey1 & ,mr4 ,blunt7 
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to am5d ! ,gramm-,lea*-,bliley 
,act to provide an exception to ! annual
 writt5 privacy notice requirem5t4  #a4 
,%ort title ,?is ,act may be cit$ z !   
,privacy ,notice ,mod]nization ,act (   
#bjac4  #b4 ,exception to annual writt5 
privacy notice requirem5t "u !          
,gramm-,lea*-,bliley ,act ,section #ejc 
( ! ,gramm-,lea*-,bliley ,act 7#ae      
,u4,s4,c4 #fhjc7 is am5d$ by add+ at !  
end ! foll[+3  7f7 ,exception to annual 
writt5 notice requirem5t ,a f9ancial    
in/itution t--  7#a7 provides nonpublic 
p]sonal in=mation 9 accordance ) !      
provisions ( subsection 7b77#b7 or 7e7 (
 section #ejb or regulations prescrib$  

"u section #ejd7;b72  7#b7 has n *ang$  
its policies & practices ) respect to   
disclos+ nonpublic p]sonal in=mation f !
 policies & practices t 7 disclos$ 9 !  
mo/ rec5t disclosure s5t to consum]s 9  
accordance ) ?is section2 &  7#c7       
o!rwise provides cu/om]s access to su*  
mo/ rec5t disclosure 9 electronic or o!r
 =m p]mitt$ by regulations prescrib$ "u 
section #ejd1  %all n be requir$ to     
provide an annual writt5 disclosure "u  
?is section1 until su* "t z ! f9ancial  
in/itution fails to comply ) p>agraph   
7#a71 7#b71 or 7#c74  4