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§222.25. Reasonable and simple methods of opting out.

12 C.F.R. § 222.25

(a)
In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about your products or services, unless the consumer is provided a reasonable and simple method to opt out, as required by § 222.21(a)(1)(ii) of this part.
(b)
Examples—
(1)
Reasonable and simple opt-out methods. Reasonable and simple methods for exercising the opt-out right include—
(i)
Designating a check-off box in a prominent position on the opt-out form;
(ii)
Including a reply form and a self-addressed envelope together with the opt-out notice;
(iii)
Providing an electronic means to opt out, such as a form that can be electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information;
(iv)
Providing a toll-free telephone number that consumers may call to opt out; or
(v)
Allowing consumers to exercise all of their opt-out rights described in a consolidated opt-out notice that includes the privacy opt-out under the Gramm-Leach-Bliley Act, 15 U.S.C. 6801 et seq., the affiliate sharing opt-out under the Act, and the affiliate marketing opt-out under the Act, by a single method, such as by calling a single toll-free telephone number.
(2)
Opt-out methods that are not reasonable and simple. Reasonable and simple methods for exercising an opt-out right do not include—
(i)
Requiring the consumer to write his or her own letter;
(ii)
Requiring the consumer to call or write to obtain a form for opting out, rather than including the form with the opt-out notice;
(iii)
Requiring the consumer who receives the opt-out notice in electronic form only, such as through posting at an Internet Web site, to opt out solely by paper mail or by visiting a different Web site without providing a link to that site.
(c)
Specific opt-out means. Each consumer may be required to opt out through a specific means, as long as that means is reasonable and simple for that consumer.
Notes, amendments, and revision history

Source

Source: Reg. V, 72 FR 62955, Nov. 7, 2007, unless otherwise noted.

Authority

Authority: 15 U.S.C. 1681b, 1681c, 1681m and 1681s; Secs. 3, 214, and 216, Pub. L. 108-159, 117 Stat. 1952.

Source

Source: Reg. V, 68 FR 74469, Dec. 24, 2003, unless otherwise noted.