Ins 25.04(22)(b)1.f. f. Any information the licensee collects through an internet information-collecting device from a web server.

Ins 25.04(22)(b)1.g. g. Information from a consumer report.

Ins 25.04(22)(b)2. 2. Personally identifiable financial information does not include any of the following:

Ins 25.04(22)(b)2.a. a. Health information.

Ins 25.04(22)(b)2.b. b. A list of names and addresses of customers of an entity that is not a financial institution.

Ins 25.04(22)(b)2.c. c. Information that does not identify a consumer, such as aggregate information or blind data that does not contain personal identifiers such as account numbers, names or addresses.

Ins 25.04(23) (23) 

Ins 25.04(23)(a) (a) “Publicly available information” means any information that a licensee has a reasonable basis to believe is lawfully made available to the general public from any of the following:

Ins 25.04(23)(a)1. 1. Federal, state or local government records.

Ins 25.04(23)(a)2. 2. Widely distributed media.

Ins 25.04(23)(a)3. 3. Disclosures to the general public that are required to be made by federal, state or local law.

Ins 25.04(23)(b) (b) A licensee has a reasonable basis to believe that information is lawfully made available to the general public if the licensee has taken steps to determine all of the following:

Ins 25.04(23)(b)1. 1. That the information is of the type that is available to the general public.

Ins 25.04(23)(b)2. 2. Whether an individual can direct that the information not be made available to the general public and, if so, that the licensee’s consumer has not done so.

Ins 25.04(23)(c) (c) The following are examples of publicly available information.

Ins 25.04(23)(c)1. 1. Publicly available information in government records includes information in government real estate records and security interest filings.

Ins 25.04(23)(c)2. 2. Publicly available information from widely distributed media includes information from a telephone book, a television or radio program, a newspaper or a web site that is available to the general public on an unrestricted basis. A web site is not restricted merely because an Internet service provider or a site operator requires a fee or a password, so long as access is available to the general public.

Ins 25.04(23)(c)3. 3.

Ins 25.04(23)(c)3.a. a. A licensee has a reasonable basis to believe that mortgage information is lawfully made available to the general public if the licensee has determined that the information is of the type included on the public record in the jurisdiction where the mortgage would be recorded.

Ins 25.04(23)(c)3.b. b. A licensee has a reasonable basis to believe that an individual’s telephone number is lawfully made available to the general public if the licensee has located the telephone number in the telephone book or the consumer has informed the licensee that the telephone number is not unlisted.

Ins 25.04 History History: Cr. Register, June, 2001, No. 546, eff. 7-1-01.

subch. II of ch. Ins 25 Subchapter II — Privacy and Opt-Out Notices for Financial Information

Ins 25.10 Ins 25.10 Initial privacy notice to consumers required.

Ins 25.10(1) (1) Initial notice requirement. A licensee shall provide a clear and conspicuous notice that accurately reflects its privacy policies and practices regarding nonpublic personal financial information to all of the following:

Ins 25.10(1)(a) (a) Customer. An individual who becomes the licensee’s customer, not later than when the licensee establishes a customer relationship, except as provided in sub. (5).

Ins 25.10(1)(b) (b) Consumer. A consumer, before the licensee discloses any nonpublic personal financial information about the consumer to any nonaffiliated third party, if the licensee makes a disclosure other than as authorized by ss. Ins 25.55 and 25.60.

Ins 25.10(2) (2) When initial notice to a consumer is not required. A licensee is not required to provide an initial notice to a consumer under sub. (1) (b) if any of the following conditions apply:

Ins 25.10(2)(a) (a) The licensee does not disclose any nonpublic personal financial information about the consumer to any nonaffiliated third party, other than as authorized by ss. Ins 25.55 and 25.60, and the licensee does not have a customer relationship with the consumer.

Ins 25.10(2)(b) (b) An affiliated licensee has provided a notice, as long as the notice clearly identifies all licensees to whom the notice applies and is accurate with respect to the licensee and the other institutions.