---
kind: "section"
citation: "15 U.S.C. § 6801"
title: "15"
title_heading: "Commerce and Trade"
number: "6801"
heading: "Protection of nonpublic personal information"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/6801"
units:
  - "Chapter 94 — Privacy"
  - "Subchapter I — Disclosure of Nonpublic Personal Information"
---

# §6801. Protection of nonpublic personal information

- (a) **Privacy obligation policy—** It is the policy of the Congress that each [financial institution](/usc/15/6809.md?p=3-A) has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers’ [nonpublic personal information](/usc/15/6809.md?p=4-A).
- (b) **Financial institutions safeguards—** In furtherance of the policy in [subsection (a)](#a), each agency or authority described in [section 6805(a) of this title](/usc/15/6805.md?p=a), other than the Bureau of [Consumer](/usc/15/6809.md?p=9) Financial Protection, shall establish appropriate standards for the [financial institutions](/usc/15/6809.md?p=3-A) subject to their jurisdiction relating to administrative, technical, and physical safeguards—
  - (1) to insure the security and confidentiality of customer records and information;
  - (2) to protect against any anticipated threats or hazards to the security or integrity of such records; and
  - (3) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

## Source credit

(Pub. L. 106–102, title V, § 501, Nov. 12, 1999, 113 Stat. 1436; Pub. L. 111–203, title X, § 1093(1), July 21, 2010, 124 Stat. 2095.)

## Notes

### Editorial Notes

### Amendments

2010—Subsec. (b). Pub. L. 111–203 inserted “, other than the Bureau of Consumer Financial Protection,” after “section 6805(a) of this title” in introductory provisions.

### Statutory Notes and Related Subsidiaries

### Effective Date of 2010 Amendment

Amendment by Pub. L. 111–203 effective on the designated transfer date, see section 1100H of Pub. L. 111–203, set out as a note under section 552a of Title 5, Government Organization and Employees.

### Effective Date

Pub. L. 106–102, title V, § 510, Nov. 12, 1999, 113 Stat. 1445, provided that: “This subtitle [subtitle A (§§ 501–510) of title V of Pub. L. 106–102, enacting this subchapter and amending section 1681s of this title] shall take effect 6 months after the date on which rules are required to be prescribed under section 504(a)(3) [15 U.S.C. 6804(a)(3)], except— to the extent that a later date is specified in the rules prescribed under section 504; and that sections 504 [15 U.S.C. 6804] and 506 [enacting section 6806 of this title and amending section 1681s of this title] shall be effective upon enactment [Nov. 12, 1999].”