StacksVerified U.S. regulatory reference

12 CFR §1022.25

Verified against eCFR.gov as of June 20, 2026View official text on eCFR.gov
  1. (a)In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about your products or services, unless the consumer is provided a reasonable and simple method to opt out, as required by § 1022.21(a)(1)(ii) of this part.
  2. (b)Examples
    1. (1)Reasonable and simple opt-out methods. Reasonable and simple methods for exercising the opt-out right include:
      1. (i)Designating a check-off box in a prominent position on the opt-out form;
      2. (ii)Including a reply form and a self-addressed envelope together with the opt-out notice;
      3. (iii)Providing an electronic means to opt out, such as a form that can be electronically mailed or processed at a Web site, if the consumer agrees to the electronic delivery of information;
      4. (iv)Providing a toll-free telephone number that consumers may call to opt out; or
      5. (v)Allowing consumers to exercise all of their opt-out rights described in a consolidated opt-out notice that includes the privacy opt-out under the Gramm-Leach-Bliley Act, 15 U.S.C. 6801 et seq., the affiliate sharing opt-out under the Act, and the affiliate marketing opt-out under the Act, by a single method, such as by calling a single toll-free telephone number.
    2. (2)Opt-out methods that are not reasonable and simple. Reasonable and simple methods for exercising an opt-out right do not include—
      1. (i)Requiring the consumer to write his or her own letter;
      2. (ii)Requiring the consumer to call or write to obtain a form for opting out, rather than including the form with the opt-out notice;
      3. (iii)Requiring the consumer who receives the opt-out notice in electronic form only, such as through posting at a Web site, to opt out solely by paper mail or by visiting a different Web site without providing a link to that site.
  3. (c)Specific opt-out means. Each consumer may be required to opt out through a specific means, as long as that means is reasonable and simple for that consumer.