source:
  type: regulation
  id: reg-p-1016.12
  authority: 12 CFR Part 1016 — Regulation P (Privacy of Consumer Financial Information, CFPB) § 1016.12 — Limits
    on sharing account number information for marketing purposes
  description: '12 CFR Part 1016 — Regulation P (Privacy of Consumer Financial Information, CFPB), §1016.12 Limits
    on sharing account number information for marketing purposes. Captured section-complete (all subsections verbatim).

    '
obligations:
- id: reg-p-1016.12-a
  canonical_id: reg-p-1016.12-a
  section: 12 CFR §1016.12(a)
  description: 'Limits on sharing account number information for marketing purposes — (a): (a) General prohibition
    on disclosure of account numbers. You must not, directly or through an affiliate, disclose, other than to a
    consumer reporting agency, an account number or similar form of access number or access code for a consumer''s
    credit card account, deposit account, share account, or tr…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1016 — Regulation P (Privacy of Consumer Financial Information, CFPB) § 1016.12
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1016
    snapshot_id: 05288dc52a04b880
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:16341d532f1fa5fcbfb23a26db63b530e31a62f6ceb89d6fee9baf56af6401c3
    paragraph_quote: (a) General prohibition on disclosure of account numbers. You must not, directly or through
      an affiliate, disclose, other than to a consumer reporting agency, an account number or similar form of access
      number or access code for a consumer's credit card account, deposit account, share account, or transaction
      account to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing
      through electronic mail to the consumer.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1016.12 subsection (a) from snapshot 05288dc52a04b880;
      substring-verified.
  judgment: false
- id: reg-p-1016.12-b
  canonical_id: reg-p-1016.12-b
  section: 12 CFR §1016.12(b)
  description: 'Limits on sharing account number information for marketing purposes — (b): (b) Exceptions. Paragraph
    (a) of this section does not apply if you disclose an account number or similar form of access number or access
    code: (1) To your agent or service provider solely in order to perform marketing for your own products or services,
    as long as the agent or service provider is no…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1016 — Regulation P (Privacy of Consumer Financial Information, CFPB) § 1016.12
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1016
    snapshot_id: 05288dc52a04b880
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:16341d532f1fa5fcbfb23a26db63b530e31a62f6ceb89d6fee9baf56af6401c3
    paragraph_quote: '(b) Exceptions. Paragraph (a) of this section does not apply if you disclose an account number
      or similar form of access number or access code: (1) To your agent or service provider solely in order to
      perform marketing for your own products or services, as long as the agent or service provider is not authorized
      to directly initiate charges to the account; or (2) To a participant in a private label credit card program
      or an affinity or similar program where the participants in the program are identified to the customer when
      the customer enters into the program.'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1016.12 subsection (b) from snapshot 05288dc52a04b880;
      substring-verified.
  judgment: false
- id: reg-p-1016.12-c
  canonical_id: reg-p-1016.12-c
  section: 12 CFR §1016.12(c)
  description: 'Limits on sharing account number information for marketing purposes — (c): (c) Examples &#x2014;(1)
    Account number. An account number, or similar form of access number or access code, does not include a number
    or code in an encrypted form, as long as you do not provide the recipient with a means to decode the number
    or code. (2) Transaction account. A transaction account i…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1016 — Regulation P (Privacy of Consumer Financial Information, CFPB) § 1016.12
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1016
    snapshot_id: 05288dc52a04b880
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:16341d532f1fa5fcbfb23a26db63b530e31a62f6ceb89d6fee9baf56af6401c3
    paragraph_quote: (c) Examples &#x2014;(1) Account number. An account number, or similar form of access number
      or access code, does not include a number or code in an encrypted form, as long as you do not provide the
      recipient with a means to decode the number or code. (2) Transaction account. A transaction account is an
      account other than a deposit account, a share account, or a credit card account. A transaction account does
      not include an account to which third parties cannot initiate charges.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1016.12 subsection (c) from snapshot 05288dc52a04b880;
      substring-verified.
  judgment: false
