(o)(1) Personally identifiable financial information means any information:
- (i) A consumer provides to you to obtain a financial product or service from you;
- (ii) About a consumer resulting from any transaction involving a financial product or service between you and a consumer; or
- (iii) You otherwise obtain about a consumer in connection with providing a financial product or service to that consumer.
(2) Examples —
- (i) Information included. Personally identifiable financial information includes:
- (A) Information a consumer provides to you on an application to obtain a loan, credit card, or other financial product or service;
- (B) Account balance information, payment history, overdraft history, and credit or debit card purchase information;
- (C) The fact that an individual is or has been one of your customers or has obtained a financial product or service from you;
- (D) Any information about your consumer if it is disclosed in a manner that indicates that the individual is or has been your consumer;
- (E) Any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on a loan or servicing a loan;
- (F) Any information you collect through an Internet “cookie” (an information collecting device from a web server); and
- (G) Information from a consumer report.
- (ii) Information not included. Personally identifiable financial information does not include:
- ↑ 12 C.F.R. §216.3(o)(1).