source:
  type: regulation
  id: reg-p-1016.13
  authority: 12 CFR §1016.13 — Exception to opt out requirements for service providers
    and joint marketing (Regulation P)
  description: 12 CFR §1016.13 — Exception to opt out requirements for service providers
    and joint marketing.
  coverage_tier: operative
obligations:
- id: reg-p-1016.13-full
  canonical_id: reg-p-1016.13-full
  section: 12 CFR §1016.13 — Exception to opt out requirements for service providers
    and joint marketing
  type: do
  tags:
  - regulator-direct
  - glba-privacy
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: 12 CFR §1016.13 — Exception to opt out requirements for service providers
      and joint marketing (Regulation P)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1016.13
    snapshot_id: 712ca810e77022e5
    fetched_at: '2026-06-17T20:38:43Z'
    content_hash: sha256:57fe1a78a0e04c24f8121bed0ca83f164149db49d63424105cb42a3b11cb29e0
    paragraph_quote: '§ 1016.13 Exception to opt out requirements for service providers
      and joint marketing. (a) General rule. (1) The opt out requirements in §§ 1016.7
      and 1016.10 of this part do not apply when you provide nonpublic personal information
      to a nonaffiliated third party to perform services for you or functions on your
      behalf, if you: (i) Provide the initial notice in accordance with § 1016.4 ;
      and (ii) Enter into a contractual agreement with the third party that prohibits
      the third party from disclosing or using the information other than to carry
      out the purposes for which you disclosed the information, including use under
      an exception in § 1016.14 or § 1016.15 in the ordinary course of business to
      carry out those purposes. (2) Example. If you disclose nonpublic personal information
      under this section to a financial institution with which you perform joint marketing,
      your contractual agreement with that institution meets the requirements of paragraph
      (a)(1)(ii) of this section if it prohibits the institution from disclosing or
      using the nonpublic personal information except as necessary to carry out the
      joint marketing or under an exception in § 1016.14 or § 1016.15 in the ordinary
      course of business to carry out that joint marketing. (b) Service may include
      joint marketing. The services a nonaffiliated third party performs for you under
      paragraph (a) of this section may include marketing of your own products or
      services or marketing of financial products or services offered pursuant to
      joint agreements between you and one or more financial institutions. (c) Definition
      of joint agreement. For purposes of this section, joint agreement means a written
      contract pursuant to which you and one or more financial institutions jointly
      offer, endorse, or sponsor a financial product or service.'
  judgment: false
