# WAC 284-04-305: WAC 284-04-305. Limits on redisclosure and reuse of nonpublic personal financial information > Washington · Regulations · In force URL: https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_305 ## Section - **Citation:** WAC 284-04-305 - **Heading:** WAC 284-04-305. Limits on redisclosure and reuse of nonpublic personal financial information - **Jurisdiction:** Washington - **Kind:** Regulations - **Status:** In force - **Text as of:** August 14, 2026 - **Source:** Compiled text - **Location:** Washington Administrative Code / Title 284 / Chapter 284-04 / Section 284-04-305 ## Text (1)(a) Information the licensee receives under an exception. If a licensee receives nonpublic personal financial information from a nonaffiliated financial institution under an exception in WAC 284-04-405 or 284-04-410 , the licensee's disclosure and use of that information is limited as follows: (i) The licensee may disclose the information to the affiliates of the financial institution from which the licensee received the information; (ii) The licensee may disclose the information to its affiliates, but the licensee's affiliates may, in turn, disclose and use the information only to the extent that the licensee may disclose and use the information; and (iii) The licensee may disclose and use the information pursuant to an exception in WAC 284-04-405 or 284-04-410 , in the ordinary course of business to carry out the activity covered by the exception under which the licensee received the information. (b) Example. If a licensee receives information from a nonaffiliated financial institution for claims settlement purposes, the licensee may disclose the information for fraud prevention, or in response to a properly authorized subpoena. The licensee may not disclose that information to a third party for marketing purposes or use that information for its own marketing purposes. (2)(a) Information a licensee receives outside of an exception. If a licensee receives nonpublic personal financial information from a nonaffiliated financial institution other than under an exception in WAC 284-04-405 or 284-04-410 , the licensee may disclose the information only: (i) To the affiliates of the financial institution from which the licensee received the information; (ii) To its affiliates, but its affiliates may, in turn, disclose the information only to the extent that the licensee may disclose the information; and (iii) To any other person, if the disclosure would be lawful if made directly to that person by the financial institution from which the licensee received the information. the financial institution from which the licensee received the information; (ii) To its affiliates, but its affiliates may, in turn, disclose the information only to the extent that the licensee may disclose the information; and (iii) To any other person, if the disclosure would be lawful if made directly to that person by the financial institution from which the licensee received the information. (b) Example. If a licensee obtains a customer list from a nonaffiliated financial institution outside of the exceptions in WAC 284-04-405 or 284-04-410 : (i) The licensee may use that list for its own purposes; and (ii) The licensee may disclose that list to another nonaffiliated third party only if the financial institution from which the licensee purchased the list could have lawfully disclosed the list to that third party. That is, the licensee may disclose the list in accordance with the privacy policy of the financial institution from which the licensee received the list, as limited by the opt out direction of each consumer whose nonpublic personal financial information the licensee intends to disclose, and the licensee may disclose the list in accordance with an exception in WAC 284-04-405 or 284-04-410 , such as to the licensee's attorneys or accountants. (3) Information a licensee discloses under an exception. If a licensee discloses nonpublic personal financial information to a nonaffiliated third party under an exception in WAC 284-04-405 or 284-04-410 of this regulation, the third party may disclose and use that information only as follows: (a) The third party may disclose the information to the licensee's affiliates; (b) The third party may disclose the information to its affiliates, but its affiliates may, in turn, disclose and use the information only to the extent that the third party may disclose and use the information; and or 284-04-410 of this regulation, the third party may disclose and use that information only as follows: (a) The third party may disclose the information to the licensee's affiliates; (b) The third party may disclose the information to its affiliates, but its affiliates may, in turn, disclose and use the information only to the extent that the third party may disclose and use the information; and (c) The third party may disclose and use the information pursuant to an exception in WAC 284-04-405 or 284-04-410 in the ordinary course of business to carry out the activity covered by the exception under which it received the information. (4) Information a licensee discloses outside of an exception. If a licensee discloses nonpublic personal financial information to a nonaffiliated third party other than under an exception in WAC 284-04-405 or 284-04-410 , the third party may disclose the information only: (a) To the licensee's affiliates; (b) To the third party's affiliates, but the third party's affiliates, in turn, may disclose the information only to the extent the third party can disclose the information; and (c) To any other person, if the disclosure would be lawful if the licensee made it directly to that person. ## Nearby sections - [WAC 284-04-120 WAC 284-04-120. Definitions](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_120.md) - [WAC 284-04-200 WAC 284-04-200. Initial privacy notice to consumers required](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_200.md) - [WAC 284-04-205 WAC 284-04-205. Annual privacy notice to customers required](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_205.md) - [WAC 284-04-210 WAC 284-04-210. Information to be included in privacy notices](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_210.md) - [WAC 284-04-215 WAC 284-04-215. Form of opt out notice to consumers and opt out methods](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_215.md) - [WAC 284-04-220 WAC 284-04-220. Revised privacy notices](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_220.md) - [WAC 284-04-225 WAC 284-04-225. Delivery](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_225.md) - [WAC 284-04-300 WAC 284-04-300. Limits on disclosure of nonpublic personal financial information to nonaffiliated third parties](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_300.md) - [WAC 284-04-305 WAC 284-04-305. Limits on redisclosure and reuse of nonpublic personal financial information](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_305.md) - [WAC 284-04-310 WAC 284-04-310. Limits on sharing account number information for marketing purposes](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_310.md) - [WAC 284-04-400 WAC 284-04-400. Exception to opt out requirements for disclosure of nonpublic personal financial information for service providers and joint marketing](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_400.md) - [WAC 284-04-405 WAC 284-04-405. Exceptions to notice and opt out requirements for disclosure of nonpublic personal financial information for processing and servicing transactions](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_405.md) - [WAC 284-04-410 WAC 284-04-410. Other exceptions to notice and opt out requirements for disclosure of nonpublic personal financial information](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_410.md) - [WAC 284-04-500 WAC 284-04-500. Health information privacy policies and procedures](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_500.md) --- Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_305. Check the current official text before relying on it. Not legal advice.