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Content and topic analysis New• " While we appreciate the concern that information contained in applications could potentially be disclosed to nonaffiliated third parties, we do not believe that either the language or intent of the GLBA reaches this information.

We may not have enough details to judge a website created only a few months ago.

Just learn how to talk to women online, and you'll be a winner! 11 Do not pay via credit-card, use PayPal instead easier to get refunds• Their members are independent agents who work at all levels of the insurance market and sell a full range of insurance products, including annuities.

2 Rules of Construction We believe that examples are useful in providing guidance on acceptable conduct under the GLBA and the SEC's rules.

Without a uniform standard, financial institutions will potentially face inconsistent requirements that allow them to disclose information in one regulatory context but not in another.

Many small insurance agencies operate as sole proprietorships for a variety of reasons.

6 Information to be Included in Initial and Annual Notices We are generally supportive of this provision and believe that it tracks the GLBA requirements.

We would be happy to provide any additional comments or materials that would assist the Commission with its deliberations.

In this regard, we also believe that providing a self-addressed envelope should be required under both a 2 A and B.

Users may consult the sponsoring registrar's Whois database to view the registrar's reported date of expiration for this registration.

Again, we also note that several other agencies have presented alternative definitions of "publicly available information," and request that the SEC and the other agencies take steps to ensure that a uniform standard is adopted.

Fourth and finally, the SEC should export these opt-out requirements to the FCRA to make clear that the same requirements that apply to the provision of opt-out notices under the GLBA apply with equal force in the FCRA context for providing consumers notice of their right to opt-out of information sharing practices among affiliates.