#aae? ,,congress  #a/ ,session  ,h4 ,r4 
#bcif  ,,an ,,act  ,to am5d !           
,gramm-,lea*-,bliley ,act to update !   
exception = c]ta9 annual notices provid$
 by f9ancial in/itutions4  #a4 ,%ort    
title ,?is ,act may be cit$ z ! ,privacy
 ,notification ,te*nical ,cl>ification  
,act4  #b4 ,exception to annual notice  
requirem5t ,section #ejc ( !            
,gramm-,lea*-,bliley ,act 7#ae ,u4,s4,c4
 #fhjc7 is am5d$ by add+ at ! end !     
foll[+3  7g7 ,additional exception to   
annual notice requirem5t  7#a7 ,9 g5]al 
,a vehicle f9ancial company t has n     
*ang$ its policies & practices ) reg>d  
to disclos+ nonpublic p]sonal in=mation 
f ! policies & practices t 7 disclos$ 9 
! mo/ rec5t disclosure s5t to consum]s 9
 accordance ) ?is section %all n be     
requir$ to provide an annual disclosure 
"u ?is section if-- 7,a7 ! vehicle      
f9ancial company makes its curr5t policy
 available to consum]s on its website & 
via mail ^u writt5 reque/ s5t to a      
designat$ address id5tifi$ = ! purpose (

 reque/+ ! policy or ^u telephone reque/
 made us+ a toll free consum] s]vice    
telephone numb]2  7,b7 ! vehicle        
f9ancial company conspicu\sly notifies  
consum]s ( ! availability ( ! curr5t    
policy1 includ+-- 7i7 ) respect to      
consum]s :o are entitl$ to a p]iodic    
bill+ /atem5t1 a message on ! front page
 ( ea* p]iodic bill+ /atem5t2 &  7ii7 ) 
respect to consum]s :o are n entitl$ to 
a p]iodic bill+ /atem5t1 ?r\gh o!r      
reasonable means su* z ?r\gh a l9k on ! 
l&+ page ( ! company's website or ) o!r 
writt5 communication1 includ+ electronic
 communication1 s5t to ! consum]2 &     
7,c7 ! vehicle f9ancial company--  7i7  
provides consum]s ) ! ability to opt    
out1 subject to any exemption or        
exception provid$ "u subsection 7b77#b7 
or 7e7 ( section #ejb or "u regulations 
prescrib$ "u section #ejd7;b71 ( hav+ ! 
consum]'s nonpublic p]sonal in=mation   
disclos$ to a nonaffiliat$ ?ird p>ty2 & 
7ii7 includes a description ab\t :]e to 
locate ! proc$ures = a consum] to select

 su* opt out 9 ea* p]iodic bill+ /atem5t
 s5t to ! consum]4  7#b7 ,treatm5t (    
multiple policies ,if a vehicle f9ancial
 company ma9ta9s m ?an "o set ( policies
 describ$ "u p>agraph 7#a7 t v>y dep5d+ 
on ! consum]'s acc\nt /atus or ,/ate (  
resid5ce1 ! vehicle f9ancial company may
 comply ) ! website po/+ requirem5t 9   
p>agraph 7#a77;,a7 by po/+ all ( su*    
policies to ! public section ( ! vehicle
 f9ancial company's website1 )          
in/ructions = *oos+ ! applicable policy4
  7#c7 ,vehicle f9ancial company def9$  
,= purposes ( ?is subsection1 ! t]m     
vehicle f9ancial company means--  7,a7 a
 f9ancial in/itution t-- 7i7 is regul>ly
 engag$ 9 ! bus9ess ( ext5d+ cr$it = !  
pur*ase ( vehicles2  7ii7 is affiliat$ )
 a vehicle manufactur]2 &  7iii7 only   
%>es nonpublic p]sonal in=mation (      
consum]s ) nonaffiliat$ ?ird p>ties t   
are vehicle deal]s2 or  7,b7 a f9ancial 
in/itution t-- 7i7 regul>ly engages 9 ! 
bus9ess ( ext5d+ cr$it = ! pur*ase or   
lease ( vehicles f vehicle deal]s2 or   

7ii7 pur*ases vehicle in/allm5t sales   
contracts or leases f vehicle deal]s4  4
  ,pass$ ! ,h\se ( ,repres5tatives      
,decemb] #ad1 #bjag4;,cl]k4