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Can I ignore consumer requests for information or deletion in North Dakota? What are the requirements?

Consumer Requests for Information or Deletion in North Dakota

In North Dakota, consumers generally have the right to request information or deletion of their personal and financial information. However, there are exceptions to these requirements [2.1][2.3].

Under NDCC Section 44-04-18.17, personal and financial information submitted to a state agency as part of a consumer complaint, or gathered pursuant to an investigation of a consumer complaint, is an exempt record. This means that the personal and financial information of the complainant and any person on whose behalf the complaint is made, as well as any account number of a business or individual at a bank, brokerage, or other financial institution, is exempt from disclosure.

Additionally, NDAC Section 45-14-01-15 provides exceptions to notice and authorization requirements for disclosure of nonpublic personal financial information for processing and servicing transactions. The requirements for initial notice, notice and authorization, and service providers and joint marketing do not apply if the licensee discloses nonpublic personal financial information as necessary to effect, administer, or enforce a transaction that a consumer requests or authorizes.

However, it is important to note that ignoring consumer requests for information or deletion without a valid exception is not allowed. If a consumer requests information or deletion of their personal and financial information, the licensee must respond within a reasonable time and provide the requested information or delete the information as requested, unless an exception applies [2.1][2.3].

Therefore, while there are exceptions to the requirements for consumer requests for information or deletion in North Dakota, ignoring such requests without a valid exception is not allowed. It is important to review the specific circumstances and applicable laws to determine whether an exception applies [2.1][2.3].

Source(s):
Jurisdiction

North Dakota