A Practice Note discussing sections of the Gramm-Leach-Bliley Act (GLBA), also known as the Financial Services Modernization Act of 1999, and the Consumer Financial Protection Bureau's (CFPB) and Federal Trade Commission's (FTC) implementing regulations, including the Financial Privacy and Safeguards Rules, which regulate the collection, use, protection, and disclosure of nonpublic personal information (NPI) by financial institutions.