Sample records for affiliate marketing opt-out

  1. 16 CFR 680.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 16 Commercial Practices 1 2014-01-01 2014-01-01 false Affiliate marketing opt-out and exceptions... AFFILIATE MARKETING § 680.21 Affiliate marketing opt-out and exceptions. (a) Initial notice and opt-out... affiliate to make a solicitation for marketing purposes to the consumer, unless— (i) It is clearly and...

  2. 17 CFR 248.121 - Affiliate marketing opt out and exceptions.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 3 2013-04-01 2013-04-01 false Affiliate marketing opt out... COMMISSION (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing § 248.121 Affiliate marketing opt out and exceptions. (a) Initial notice and opt out requirement—(1) In general. You...

  3. 17 CFR 248.121 - Affiliate marketing opt out and exceptions.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 4 2014-04-01 2014-04-01 false Affiliate marketing opt out... COMMISSION (CONTINUED) REGULATIONS S-P, S-AM, AND S-ID Regulation S-AM: Limitations on Affiliate Marketing § 248.121 Affiliate marketing opt out and exceptions. (a) Initial notice and opt out requirement—(1) In...

  4. 17 CFR 248.121 - Affiliate marketing opt out and exceptions.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 3 2012-04-01 2012-04-01 false Affiliate marketing opt out... COMMISSION (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing § 248.121 Affiliate marketing opt out and exceptions. (a) Initial notice and opt out requirement—(1) In general. You...

  5. 12 CFR 571.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Affiliate marketing opt-out and exceptions. 571... CREDIT REPORTING Affiliate Marketing § 571.21 Affiliate marketing opt-out and exceptions. (a) Initial... that you receive from an affiliate to make a solicitation for marketing purposes to the consumer...

  6. 12 CFR 717.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Affiliate marketing opt-out and exceptions. 717... UNIONS FAIR CREDIT REPORTING Affiliate Marketing § 717.21 Affiliate marketing opt-out and exceptions. (a... consumer that you receive from an affiliate to make a solicitation for marketing purposes to the consumer...

  7. 12 CFR 717.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Affiliate marketing opt-out and exceptions. 717... UNIONS FAIR CREDIT REPORTING Affiliate Marketing § 717.21 Affiliate marketing opt-out and exceptions. (a... consumer that you receive from an affiliate to make a solicitation for marketing purposes to the consumer...

  8. 16 CFR 680.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... creditor affiliates; the number and/or types of marketing communications that the service provider may send... communication. (iii) A credit card issuer makes a marketing call to the consumer without using eligibility... 16 Commercial Practices 1 2011-01-01 2011-01-01 false Affiliate marketing opt-out and exceptions...

  9. 16 CFR Appendix C to Part 698 - Model Forms for Affiliate Marketing Opt-Out Notices

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 16 Commercial Practices 1 2011-01-01 2011-01-01 false Model Forms for Affiliate Marketing Opt-Out...-Affiliate Notice) [Your Choice to Limit Marketing]/[Marketing Opt-out] — [Name of Affiliate] is providing... marketing from our affiliates.] — You may limit our affiliates in the [ABC] group of companies, such as our...

  10. 17 CFR 248.121 - Affiliate marketing opt out and exceptions.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... business relationship with the consumer. (b) Making marketing solicitations—(1) In general. For purposes of... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Affiliate marketing opt out... COMMISSION (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing § 248.121...

  11. 12 CFR 571.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... affiliates; the number and/or types of marketing communications that the service provider may send to the... communication. (iii) A credit card issuer makes a marketing call to the consumer without using eligibility... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Affiliate marketing opt-out and exceptions. 571...

  12. 12 CFR 222.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... affiliates; the number and/or types of marketing communications that the service provider may send to the... communication. (iii) A credit card issuer makes a marketing call to the consumer without using eligibility... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Affiliate marketing opt-out and exceptions. 222...

  13. 12 CFR 41.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... affiliates; the number and/or types of marketing communications that the service provider may send to the... response to this communication. (iii) A credit card issuer makes a marketing call to the consumer without... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Affiliate marketing opt-out and exceptions. 41...

  14. 12 CFR 334.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... affiliates; the number and/or types of marketing communications that the service provider may send to the... communication. (iii) A credit card issuer makes a marketing call to the consumer without using eligibility... 12 Banks and Banking 4 2011-01-01 2011-01-01 false Affiliate marketing opt-out and exceptions. 334...

  15. 12 CFR 222.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ....21 Section 222.21 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE... Affiliate marketing opt-out and exceptions. (a) Initial notice and opt-out requirement—(1) In general. You... the consumer in writing or, if the consumer agrees, electronically, in a concise notice that you may...

  16. 17 CFR 162.3 - Affiliate marketing opt out and exceptions.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... places that information into a common database that the covered affiliate may access. (3) Service... maintains or accesses a common database that the covered affiliate may access) receives eligibility... the notice and opt-out provisions under other privacy rules under the FCRA, the GLB Act or the CEA. ...

  17. 17 CFR 162.3 - Affiliate marketing opt out and exceptions.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... places that information into a common database that the covered affiliate may access. (3) Service... maintains or accesses a common database that the covered affiliate may access) receives eligibility... the notice and opt-out provisions under other privacy rules under the FCRA, the GLB Act or the CEA. ...

  18. 17 CFR 162.3 - Affiliate marketing opt out and exceptions.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... places that information into a common database that the covered affiliate may access. (3) Service... maintains or accesses a common database that the covered affiliate may access) receives eligibility... the notice and opt-out provisions under other privacy rules under the FCRA, the GLB Act or the CEA. ...

  19. 12 CFR 717.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... CREDIT REPORTING Affiliate Marketing § 717.22 Scope and duration of opt-out. (a) Scope of opt-out. (1) In... affiliate covered by the opt-out notice from using eligibility information received from another affiliate... general. If the consumer establishes a continuing relationship with you or your affiliate, an opt-out...

  20. 12 CFR 717.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... CREDIT REPORTING Affiliate Marketing § 717.22 Scope and duration of opt-out. (a) Scope of opt-out. (1) In... affiliate covered by the opt-out notice from using eligibility information received from another affiliate... general. If the consumer establishes a continuing relationship with you or your affiliate, an opt-out...

  1. 12 CFR 717.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... CREDIT REPORTING Affiliate Marketing § 717.22 Scope and duration of opt-out. (a) Scope of opt-out. (1) In... affiliate covered by the opt-out notice from using eligibility information received from another affiliate... general. If the consumer establishes a continuing relationship with you or your affiliate, an opt-out...

  2. 12 CFR 717.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... CREDIT REPORTING Affiliate Marketing § 717.22 Scope and duration of opt-out. (a) Scope of opt-out. (1) In... affiliate covered by the opt-out notice from using eligibility information received from another affiliate... general. If the consumer establishes a continuing relationship with you or your affiliate, an opt-out...

  3. 12 CFR 334.27 - Renewal of opt-out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... CREDIT REPORTING Affiliate Marketing § 334.27 Renewal of opt-out. (a) Renewal notice and opt-out... eligibility information you receive from an affiliate to a consumer who previously opted out, unless: (i) The... provided in § 334.22(b) of this part. (3) Affiliates who may provide the notice. The notice required by...

  4. 12 CFR 334.27 - Renewal of opt-out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... CREDIT REPORTING Affiliate Marketing § 334.27 Renewal of opt-out. (a) Renewal notice and opt-out... eligibility information you receive from an affiliate to a consumer who previously opted out, unless: (i) The... provided in § 334.22(b) of this part. (3) Affiliates who may provide the notice. The notice required by...

  5. 12 CFR 334.27 - Renewal of opt-out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... CREDIT REPORTING Affiliate Marketing § 334.27 Renewal of opt-out. (a) Renewal notice and opt-out... eligibility information you receive from an affiliate to a consumer who previously opted out, unless: (i) The... provided in § 334.22(b) of this part. (3) Affiliates who may provide the notice. The notice required by...

  6. 12 CFR 334.27 - Renewal of opt-out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... CREDIT REPORTING Affiliate Marketing § 334.27 Renewal of opt-out. (a) Renewal notice and opt-out... eligibility information you receive from an affiliate to a consumer who previously opted out, unless: (i) The... provided in § 334.22(b) of this part. (3) Affiliates who may provide the notice. The notice required by...

  7. 12 CFR 717.27 - Renewal of opt-out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... REPORTING Affiliate Marketing § 717.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1... information you receive from an affiliate to a consumer who previously opted out, unless: (i) The consumer has... provided in § 717.22(b) of this part. (3) Affiliates who may provide the notice. The notice required by...

  8. 12 CFR 717.27 - Renewal of opt-out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... REPORTING Affiliate Marketing § 717.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1... information you receive from an affiliate to a consumer who previously opted out, unless: (i) The consumer has... provided in § 717.22(b) of this part. (3) Affiliates who may provide the notice. The notice required by...

  9. 12 CFR 717.27 - Renewal of opt-out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... REPORTING Affiliate Marketing § 717.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1... information you receive from an affiliate to a consumer who previously opted out, unless: (i) The consumer has... provided in § 717.22(b) of this part. (3) Affiliates who may provide the notice. The notice required by...

  10. 12 CFR 717.27 - Renewal of opt-out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... REPORTING Affiliate Marketing § 717.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1... information you receive from an affiliate to a consumer who previously opted out, unless: (i) The consumer has... provided in § 717.22(b) of this part. (3) Affiliates who may provide the notice. The notice required by...

  11. 12 CFR 41.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Affiliate Marketing § 41.22 Scope and duration of opt-out. (a) Scope of opt-out.—(1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in...

  12. 12 CFR 41.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Affiliate Marketing § 41.22 Scope and duration of opt-out. (a) Scope of opt-out. (1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in...

  13. 12 CFR 41.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Affiliate Marketing § 41.22 Scope and duration of opt-out. (a) Scope of opt-out. (1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in...

  14. 12 CFR 1022.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...) Affiliate Marketing § 1022.22 Scope and duration of opt-out. (a) Scope of opt-out. (1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in...

  15. 12 CFR 571.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... REPORTING Affiliate Marketing § 571.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as...

  16. 12 CFR 571.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... REPORTING Affiliate Marketing § 571.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as...

  17. 12 CFR 571.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... REPORTING Affiliate Marketing § 571.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as...

  18. 12 CFR 571.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... REPORTING Affiliate Marketing § 571.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as...

  19. 12 CFR 1022.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... (REGULATION V) Affiliate Marketing § 1022.25 Reasonable and simple methods of opting out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a..., 15 U.S.C. 6801 et seq., the affiliate sharing opt-out under the Act, and the affiliate marketing opt...

  20. 12 CFR 1022.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... (REGULATION V) Affiliate Marketing § 1022.25 Reasonable and simple methods of opting out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a..., 15 U.S.C. 6801 et seq., the affiliate sharing opt-out under the Act, and the affiliate marketing opt...

  1. 12 CFR 1022.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... (REGULATION V) Affiliate Marketing § 1022.25 Reasonable and simple methods of opting out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a..., 15 U.S.C. 6801 et seq., the affiliate sharing opt-out under the Act, and the affiliate marketing opt...

  2. 12 CFR 41.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Affiliate Marketing § 41.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in...

  3. 12 CFR 1022.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...) Affiliate Marketing § 1022.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in...

  4. 12 CFR 1022.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ...) Affiliate Marketing § 1022.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in...

  5. 12 CFR 1022.27 - Renewal of opt-out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 1022.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After... receive from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given...

  6. 12 CFR 571.27 - Renewal of opt-out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 571.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

  7. 12 CFR 571.27 - Renewal of opt-out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 571.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

  8. 12 CFR 571.27 - Renewal of opt-out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 571.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

  9. 12 CFR 41.27 - Renewal of opt-out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 41.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

  10. 12 CFR 41.27 - Renewal of opt-out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 41.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

  11. 12 CFR 1022.27 - Renewal of opt-out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 1022.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement—(1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

  12. 12 CFR 41.27 - Renewal of opt-out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 41.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

  13. 12 CFR 1022.27 - Renewal of opt-out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 1022.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement—(1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

  14. 12 CFR 571.27 - Renewal of opt-out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 571.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement. (1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

  15. 12 CFR 41.27 - Renewal of opt-out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 41.27 Renewal of opt-out. (a) Renewal notice and opt-out requirement.—(1) In general. After the... from an affiliate to a consumer who previously opted out, unless: (i) The consumer has been given a...

  16. 12 CFR 222.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... SYSTEM FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.22 Scope and duration of opt-out... election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in the notice to make solicitations to the consumer...

  17. 12 CFR 222.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... SYSTEM FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.22 Scope and duration of opt-out... election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in the notice to make solicitations to the consumer...

  18. 17 CFR 162.9 - Renewal of opt out.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.9 Renewal... opt-out elections can expire in a period of no less than five years, an affiliate that has or... consumer after such time in order to allow its affiliates to make solicitations. After the opt-out election...

  19. 17 CFR 162.9 - Renewal of opt out.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ...) PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules... provides that opt-out elections can expire in a period of no less than five years, an affiliate that has or... consumer after such time in order to allow its affiliates to make solicitations. After the opt-out election...

  20. 17 CFR 162.9 - Renewal of opt out.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.9 Renewal... opt-out elections can expire in a period of no less than five years, an affiliate that has or... consumer after such time in order to allow its affiliates to make solicitations. After the opt-out election...

  1. 12 CFR 334.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.22 Scope and duration of opt-out. (a) Scope of opt... prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in the notice to make solicitations to the consumer. (2) Continuing...

  2. 12 CFR 334.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.22 Scope and duration of opt-out. (a) Scope of opt... prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in the notice to make solicitations to the consumer. (2) Continuing...

  3. 12 CFR 334.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.22 Scope and duration of opt-out. (a) Scope of opt... prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in the notice to make solicitations to the consumer. (2) Continuing...

  4. 12 CFR 334.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.22 Scope and duration of opt-out. (a) Scope of opt... prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in the notice to make solicitations to the consumer. (2) Continuing...

  5. 12 CFR 222.27 - Renewal of opt-out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.27 Renewal of opt-out. (a) Renewal notice and... based on eligibility information you receive from an affiliate to a consumer who previously opted out... period of at least five years as provided in § 222.22(b) of this part. (3) Affiliates who may provide the...

  6. 12 CFR 222.27 - Renewal of opt-out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.27 Renewal of opt-out. (a) Renewal notice and... based on eligibility information you receive from an affiliate to a consumer who previously opted out... period of at least five years as provided in § 222.22(b) of this part. (3) Affiliates who may provide the...

  7. 16 CFR 680.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Section 680.22 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out...

  8. 16 CFR 680.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Section 680.22 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out...

  9. 16 CFR 680.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Section 680.22 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out...

  10. 16 CFR 680.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Section 680.22 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general. Except as otherwise provided in this section, the consumer's election to opt out prohibits any affiliate covered by the opt-out...

  11. 12 CFR 717.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... CREDIT REPORTING Affiliate Marketing § 717.26 Delivery of opt-out notices. (a) In general. The opt-out... of actual notice. A consumer may reasonably be expected to receive actual notice if the affiliate... to a consumer who has agreed to receive electronic disclosures by e-mail from the affiliate providing...

  12. 12 CFR 1022.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...) Affiliate Marketing § 1022.26 Delivery of opt-out notices. (a) In general. The opt-out notice must be... consumer may reasonably be expected to receive actual notice if the affiliate providing the notice: (1... agreed to receive electronic disclosures by email from the affiliate providing the notice; or (4) Posts...

  13. 12 CFR 1022.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...) Affiliate Marketing § 1022.26 Delivery of opt-out notices. (a) In general. The opt-out notice must be... consumer may reasonably be expected to receive actual notice if the affiliate providing the notice: (1... agreed to receive electronic disclosures by email from the affiliate providing the notice; or (4) Posts...

  14. 12 CFR 1022.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ...) Affiliate Marketing § 1022.26 Delivery of opt-out notices. (a) In general. The opt-out notice must be... consumer may reasonably be expected to receive actual notice if the affiliate providing the notice: (1... agreed to receive electronic disclosures by email from the affiliate providing the notice; or (4) Posts...

  15. 12 CFR 717.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... CREDIT REPORTING Affiliate Marketing § 717.26 Delivery of opt-out notices. (a) In general. The opt-out... of actual notice. A consumer may reasonably be expected to receive actual notice if the affiliate... to a consumer who has agreed to receive electronic disclosures by e-mail from the affiliate providing...

  16. 12 CFR 717.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... CREDIT REPORTING Affiliate Marketing § 717.26 Delivery of opt-out notices. (a) In general. The opt-out... of actual notice. A consumer may reasonably be expected to receive actual notice if the affiliate... to a consumer who has agreed to receive electronic disclosures by e-mail from the affiliate providing...

  17. 12 CFR 571.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Affiliate Marketing § 571.26 Delivery of opt-out notices. (a) In general. The opt-out notice must be... consumer may reasonably be expected to receive actual notice if the affiliate providing the notice: (1... agreed to receive electronic disclosures by e-mail from the affiliate providing the notice; or (4) Posts...

  18. 12 CFR 41.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Affiliate Marketing § 41.26 Delivery of opt-out notices. (a) In general. The opt-out notice must be provided... consumer may reasonably be expected to receive actual notice if the affiliate providing the notice: (1... agreed to receive electronic disclosures by e-mail from the affiliate providing the notice; or (4) Posts...

  19. 12 CFR 41.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Affiliate Marketing § 41.26 Delivery of opt-out notices. (a) In general. The opt-out notice must be provided... consumer may reasonably be expected to receive actual notice if the affiliate providing the notice: (1... agreed to receive electronic disclosures by e-mail from the affiliate providing the notice; or (4) Posts...

  20. 12 CFR 41.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Affiliate Marketing § 41.26 Delivery of opt-out notices. (a) In general. The opt-out notice must be provided... consumer may reasonably be expected to receive actual notice if the affiliate providing the notice: (1... agreed to receive electronic disclosures by e-mail from the affiliate providing the notice; or (4) Posts...

  1. 12 CFR 571.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Affiliate Marketing § 571.26 Delivery of opt-out notices. (a) In general. The opt-out notice must be... consumer may reasonably be expected to receive actual notice if the affiliate providing the notice: (1... agreed to receive electronic disclosures by e-mail from the affiliate providing the notice; or (4) Posts...

  2. 12 CFR 571.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Affiliate Marketing § 571.26 Delivery of opt-out notices. (a) In general. The opt-out notice must be... consumer may reasonably be expected to receive actual notice if the affiliate providing the notice: (1... agreed to receive electronic disclosures by e-mail from the affiliate providing the notice; or (4) Posts...

  3. 12 CFR 717.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... CREDIT REPORTING Affiliate Marketing § 717.22 Scope and duration of opt-out. (a) Scope of opt-out. (1) In... as described in the notice to make solicitations to the consumer. (2) Continuing relationship. (i) In general. If the consumer establishes a continuing relationship with you or your affiliate, an opt-out...

  4. 17 CFR 162.4 - Scope and duration of opt out.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ...) PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules... election to opt out prohibits any covered affiliate subject to the scope of the opt-out notice from using eligibility information received from another affiliate to make solicitations to the consumer. (2) Continuing...

  5. 12 CFR 41.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Affiliate Marketing § 41.22 Scope and duration of opt-out. (a) Scope of opt-out. (1) In general. Except as... the notice to make solicitations to the consumer. (2) Continuing relationship. (i) In general. If the consumer establishes a continuing relationship with a bank or its affiliate, an opt-out notice may apply to...

  6. 12 CFR 222.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... SYSTEM (CONTINUED) FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.22 Scope and duration... consumer's election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in the notice to make solicitations to the consumer...

  7. 12 CFR 222.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... SYSTEM (CONTINUED) FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.22 Scope and duration... consumer's election to opt out prohibits any affiliate covered by the opt-out notice from using eligibility information received from another affiliate as described in the notice to make solicitations to the consumer...

  8. 17 CFR 162.4 - Scope and duration of opt out.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162... election to opt out prohibits any covered affiliate subject to the scope of the opt-out notice from using eligibility information received from another affiliate to make solicitations to the consumer. (2) Continuing...

  9. 17 CFR 162.4 - Scope and duration of opt out.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162... election to opt out prohibits any covered affiliate subject to the scope of the opt-out notice from using eligibility information received from another affiliate to make solicitations to the consumer. (2) Continuing...

  10. 12 CFR 222.27 - Renewal of opt-out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... (CONTINUED) FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.27 Renewal of opt-out. (a) Renewal... solicitations based on eligibility information you receive from an affiliate to a consumer who previously opted... for a period of at least five years as provided in § 222.22(b) of this part. (3) Affiliates who may...

  11. 12 CFR 222.27 - Renewal of opt-out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... (CONTINUED) FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.27 Renewal of opt-out. (a) Renewal... solicitations based on eligibility information you receive from an affiliate to a consumer who previously opted... for a period of at least five years as provided in § 222.22(b) of this part. (3) Affiliates who may...

  12. 12 CFR 571.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... REPORTING Affiliate Marketing § 571.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general... described in the notice to make solicitations to the consumer. (2) Continuing relationship—(i) In general. If the consumer establishes a continuing relationship with you or your affiliate, an opt-out notice...

  13. 12 CFR 334.27 - Renewal of opt-out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Renewal of opt-out. 334.27 Section 334.27 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.27 Renewal of opt-out. (a) Renewal notice and opt-out...

  14. 16 CFR Appendix C to Part 698 - Model Forms for Affiliate Marketing Opt-Out Notices

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Notices C Appendix C to Part 698 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT MODEL FORMS AND DISCLOSURES Pt. 698, App. C Appendix C to Part 698—Model Forms for Affiliate... of opt-outs by joint consumers to comply with § 680.23(a)(2) of part 680. C-1 Model Form for Initial...

  15. 16 CFR Appendix C to Part 698 - Model Forms for Affiliate Marketing Opt-Out Notices

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Notices C Appendix C to Part 698 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT MODEL FORMS AND DISCLOSURES Pt. 698, App. C Appendix C to Part 698—Model Forms for Affiliate... of opt-outs by joint consumers to comply with § 680.23(a)(2) of part 680. C-1 Model Form for Initial...

  16. 16 CFR Appendix C to Part 698 - Model Forms for Affiliate Marketing Opt-Out Notices

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Notices C Appendix C to Part 698 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT MODEL FORMS AND DISCLOSURES Pt. 698, App. C Appendix C to Part 698—Model Forms for Affiliate... of opt-outs by joint consumers to comply with § 680.23(a)(2) of part 680. C-1 Model Form for Initial...

  17. 12 CFR 334.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.22 Scope and duration of opt-out. (a) Scope of opt... relationship—(i) In general. If the consumer establishes a continuing relationship with you or your affiliate... continuing relationship or multiple continuing relationships that the consumer establishes with you or your...

  18. 17 CFR 248.123 - Contents of opt out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... EXCHANGE COMMISSION (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing § 248.123 Contents of opt out notice; consolidated and equivalent notices. (a) Contents of opt out...) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple...

  19. 17 CFR 248.123 - Contents of opt out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... EXCHANGE COMMISSION (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing § 248.123 Contents of opt out notice; consolidated and equivalent notices. (a) Contents of opt out...) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple...

  20. 17 CFR 248.123 - Contents of opt out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... EXCHANGE COMMISSION (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing § 248.123 Contents of opt out notice; consolidated and equivalent notices. (a) Contents of opt out...) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple...

  1. 17 CFR 248.123 - Contents of opt out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... EXCHANGE COMMISSION (CONTINUED) REGULATIONS S-P, S-AM, AND S-ID Regulation S-AM: Limitations on Affiliate Marketing § 248.123 Contents of opt out notice; consolidated and equivalent notices. (a) Contents of opt out...) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple...

  2. 12 CFR 334.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.24 Reasonable opportunity to opt out. (a... affiliate to make a solicitation to the consumer about your products or services, unless the consumer is...

  3. 12 CFR 334.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.24 Reasonable opportunity to opt out. (a... affiliate to make a solicitation to the consumer about your products or services, unless the consumer is...

  4. 12 CFR 334.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.24 Reasonable opportunity to opt out. (a... affiliate to make a solicitation to the consumer about your products or services, unless the consumer is...

  5. 12 CFR 334.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.24 Reasonable opportunity to opt out. (a... affiliate to make a solicitation to the consumer about your products or services, unless the consumer is...

  6. 17 CFR 162.8 - Acceptable delivery methods of opt-out notices.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... COMMISSION PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.8 Acceptable delivery methods of opt-out notices. (a) In general. The opt-out notice...

  7. 17 CFR 162.8 - Acceptable delivery methods of opt-out notices.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... COMMISSION PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.8 Acceptable delivery methods of opt-out notices. (a) In general. The opt-out notice...

  8. 17 CFR 162.6 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.6 Reasonable opportunity to opt out. (a) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to...

  9. 17 CFR 162.6 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.6 Reasonable opportunity to opt out. (a) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to...

  10. 17 CFR 162.6 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... (CONTINUED) PROTECTION OF CONSUMER INFORMATION UNDER THE FAIR CREDIT REPORTING ACT Business Affiliate Marketing Rules § 162.6 Reasonable opportunity to opt out. (a) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a...

  11. 12 CFR 222.27 - Renewal of opt-out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Renewal of opt-out. 222.27 Section 222.27 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.27 Renewal of opt-out. (a) Renewal notice and...

  12. 12 CFR 1022.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... (REGULATION V) Affiliate Marketing § 1022.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation...

  13. 12 CFR 717.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... FAIR CREDIT REPORTING Affiliate Marketing § 717.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a...

  14. 12 CFR 1022.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... (REGULATION V) Affiliate Marketing § 1022.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation...

  15. 12 CFR 1022.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... (REGULATION V) Affiliate Marketing § 1022.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation...

  16. 12 CFR 717.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... FAIR CREDIT REPORTING Affiliate Marketing § 717.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a...

  17. 12 CFR 717.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... FAIR CREDIT REPORTING Affiliate Marketing § 717.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a...

  18. 12 CFR 717.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... FAIR CREDIT REPORTING Affiliate Marketing § 717.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a...

  19. 12 CFR Appendix C to Part 334 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ...-Affiliate Notice)—[Your Choice To Limit Marketing]/[Marketing Opt-out] • [Name of Affiliate] is providing... marketing from our affiliates.] • You may limit our affiliates in the [ABC] group of companies, such as our [credit card, insurance, and securities] affiliates, from marketing their products or services to you...

  20. 12 CFR Appendix C to Part 41 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...-Affiliate Notice)—[Your Choice To Limit Marketing]/[Marketing Opt-out] • [Name of Affiliate] is providing... marketing from our affiliates.] • You may limit our affiliates in the [ABC] group of companies, such as our [credit card, insurance, and securities] affiliates, from marketing their products or services to you...

  1. 12 CFR Appendix C to Part 41 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ...-Affiliate Notice)—[Your Choice To Limit Marketing]/[Marketing Opt-out] • [Name of Affiliate] is providing... marketing from our affiliates.] • You may limit our affiliates in the [ABC] group of companies, such as our [credit card, insurance, and securities] affiliates, from marketing their products or services to you...

  2. 12 CFR 571.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... REPORTING Affiliate Marketing § 571.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the...

  3. 12 CFR 571.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... REPORTING Affiliate Marketing § 571.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the...

  4. 12 CFR 571.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... REPORTING Affiliate Marketing § 571.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the...

  5. 12 CFR 571.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... REPORTING Affiliate Marketing § 571.24 Reasonable opportunity to opt out. (a) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the...

  6. 16 CFR 680.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... MARKETING § 680.22 Scope and duration of opt-out. (a) Scope of opt-out—(1) In general. Except as otherwise... make solicitations to the consumer. (2) Continuing relationship—(i) In general. If the consumer establishes a continuing relationship with you or your affiliate, an opt-out notice may apply to eligibility...

  7. 12 CFR 41.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... REPORTING Affiliate Marketing § 41.24 Reasonable opportunity to opt out. (a) In general. A bank must not use eligibility information about a consumer that it receives from an affiliate to make a solicitation to the...

  8. 12 CFR 41.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... REPORTING Affiliate Marketing § 41.24 Reasonable opportunity to opt out. (a) In general. A bank must not use eligibility information about a consumer that it receives from an affiliate to make a solicitation to the...

  9. 12 CFR 41.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... REPORTING Affiliate Marketing § 41.24 Reasonable opportunity to opt out. (a) In general. A bank must not use eligibility information about a consumer that it receives from an affiliate to make a solicitation to the...

  10. 12 CFR 41.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... REPORTING Affiliate Marketing § 41.24 Reasonable opportunity to opt out. (a) In general. A bank must not use eligibility information about a consumer that it receives from an affiliate to make a solicitation to the...

  11. 12 CFR 571.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Affiliate Marketing § 571.26 Delivery of opt-out notices. (a) In general. The opt-out notice must be... the notice on the Internet Web site at which the consumer obtained a product or service electronically... on an Internet Web site without requiring the consumer to acknowledge receipt of the notice. ...

  12. 17 CFR 248.127 - Renewal of opt out elections.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing § 248.127 Renewal of... expires, you may not make marketing solicitations to a consumer who previously opted out, unless: (i) The....122(b). (3) Affiliates who may provide the notice. The notice required by this paragraph must be...

  13. 17 CFR 248.127 - Renewal of opt out elections.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing § 248.127 Renewal of... expires, you may not make marketing solicitations to a consumer who previously opted out, unless: (i) The....122(b). (3) Affiliates who may provide the notice. The notice required by this paragraph must be...

  14. 17 CFR 248.127 - Renewal of opt out elections.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing § 248.127 Renewal of... expires, you may not make marketing solicitations to a consumer who previously opted out, unless: (i) The....122(b). (3) Affiliates who may provide the notice. The notice required by this paragraph must be...

  15. 17 CFR 248.127 - Renewal of opt out elections.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing § 248.127 Renewal of... expires, you may not make marketing solicitations to a consumer who previously opted out, unless: (i) The....122(b). (3) Affiliates who may provide the notice. The notice required by this paragraph must be...

  16. 12 CFR 41.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Affiliate Marketing § 41.26 Delivery of opt-out notices. (a) In general. The opt-out notice must be provided... the notice on the Internet Web site at which the consumer obtained a product or service electronically... on an Internet Web site without requiring the consumer to acknowledge receipt of the notice. ...

  17. 17 CFR 248.127 - Renewal of opt out elections.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... (CONTINUED) REGULATIONS S-P, S-AM, AND S-ID Regulation S-AM: Limitations on Affiliate Marketing § 248.127... period expires, you may not make marketing solicitations to a consumer who previously opted out, unless... provided in § 248.122(b). (3) Affiliates who may provide the notice. The notice required by this paragraph...

  18. 12 CFR 334.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.26 Delivery of opt-out notices. (a) In general... expectation of actual notice. A consumer may reasonably be expected to receive actual notice if the affiliate... to a consumer who has agreed to receive electronic disclosures by e-mail from the affiliate providing...

  19. 12 CFR 334.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.26 Delivery of opt-out notices. (a) In general... expectation of actual notice. A consumer may reasonably be expected to receive actual notice if the affiliate... to a consumer who has agreed to receive electronic disclosures by e-mail from the affiliate providing...

  20. 12 CFR 334.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.26 Delivery of opt-out notices. (a) In general... expectation of actual notice. A consumer may reasonably be expected to receive actual notice if the affiliate... to a consumer who has agreed to receive electronic disclosures by e-mail from the affiliate providing...

  1. 12 CFR 717.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... CREDIT REPORTING Affiliate Marketing § 717.26 Delivery of opt-out notices. (a) In general. The opt-out... the notice; or (4) Posts the notice on the Internet Web site at which the consumer obtained a product... notice; or (3) Posts the notice on an Internet Web site without requiring the consumer to acknowledge...

  2. 12 CFR 222.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... SYSTEM FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.26 Delivery of opt-out notices. (a... the affiliate providing the notice; or (4) Posts the notice on the Internet Web site at which the... affiliate providing the notice; or (3) Posts the notice on an Internet Web site without requiring the...

  3. 12 CFR 222.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... SYSTEM (CONTINUED) FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.26 Delivery of opt-out... actual notice if the affiliate providing the notice: (1) Hand-delivers a printed copy of the notice to...-mail from the affiliate providing the notice; or (4) Posts the notice on the Internet Web site at which...

  4. 12 CFR 222.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... SYSTEM FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.26 Delivery of opt-out notices. (a... notice if the affiliate providing the notice: (1) Hand-delivers a printed copy of the notice to the... the affiliate providing the notice; or (4) Posts the notice on the Internet Web site at which the...

  5. 12 CFR 222.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... SYSTEM (CONTINUED) FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.26 Delivery of opt-out... actual notice if the affiliate providing the notice: (1) Hand-delivers a printed copy of the notice to...-mail from the affiliate providing the notice; or (4) Posts the notice on the Internet Web site at which...

  6. 12 CFR Appendix C to Part 1022 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ...-Affiliate Notice) C-4Model Form for Renewal Notice (Joint Notice) C-5Model Form for Voluntary “No Marketing... Marketing]/[Marketing Opt-Out] • [Name of Affiliate] is providing this notice. • [Optional: Federal law gives you the right to limit some but not all marketing from our affiliates. Federal law also requires...

  7. 16 CFR 680.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Section 680.24 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.24 Reasonable opportunity to opt out. (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...

  8. 16 CFR 680.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Section 680.24 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.24 Reasonable opportunity to opt out. (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...

  9. 16 CFR 680.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Section 680.24 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.24 Reasonable opportunity to opt out. (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...

  10. 16 CFR 680.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Section 680.24 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.24 Reasonable opportunity to opt out. (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...

  11. 12 CFR 41.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... means to opt out, such as a form that can be electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free... affiliate marketing opt-out under the Act, by a single method, such as by calling a single toll-free...

  12. 12 CFR 41.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... means to opt out, such as a form that can be electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free... affiliate marketing opt-out under the Act, by a single method, such as by calling a single toll-free...

  13. 12 CFR 41.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... means to opt out, such as a form that can be electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free... affiliate marketing opt-out under the Act, by a single method, such as by calling a single toll-free...

  14. 12 CFR 41.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... means to opt out, such as a form that can be electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free... affiliate marketing opt-out under the Act, by a single method, such as by calling a single toll-free...

  15. 12 CFR 41.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... means to opt out, such as a form that can be electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free... affiliate marketing opt-out under the Act, by a single method, such as by calling a single toll-free...

  16. 12 CFR 1022.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... CREDIT REPORTING (REGULATION V) Affiliate Marketing § 1022.23 Contents of opt-out notice; consolidated..., conspicuous, and concise, and must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name...

  17. 12 CFR 717.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... AFFECTING CREDIT UNIONS FAIR CREDIT REPORTING Affiliate Marketing § 717.23 Contents of opt-out notice..., conspicuous, and concise, and must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name...

  18. 12 CFR 1022.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... CREDIT REPORTING (REGULATION V) Affiliate Marketing § 1022.23 Contents of opt-out notice; consolidated..., conspicuous, and concise, and must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name...

  19. 12 CFR 717.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... AFFECTING CREDIT UNIONS FAIR CREDIT REPORTING Affiliate Marketing § 717.23 Contents of opt-out notice..., conspicuous, and concise, and must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name...

  20. 12 CFR 717.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... AFFECTING CREDIT UNIONS FAIR CREDIT REPORTING Affiliate Marketing § 717.23 Contents of opt-out notice..., conspicuous, and concise, and must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name...

  1. 12 CFR 717.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... AFFECTING CREDIT UNIONS FAIR CREDIT REPORTING Affiliate Marketing § 717.23 Contents of opt-out notice..., conspicuous, and concise, and must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name...

  2. 12 CFR 1022.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... CREDIT REPORTING (REGULATION V) Affiliate Marketing § 1022.23 Contents of opt-out notice; consolidated..., conspicuous, and concise, and must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name...

  3. 12 CFR 41.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 41.23 Contents of opt-out notice; consolidated and... concise, and must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC...

  4. 12 CFR 41.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 41.23 Contents of opt-out notice; consolidated and... concise, and must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC...

  5. 12 CFR 41.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 41.23 Contents of opt-out notice; consolidated and... concise, and must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC...

  6. 12 CFR 571.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 571.23 Contents of opt-out notice; consolidated and... concise, and must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC...

  7. 12 CFR 41.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 41.23 Contents of opt-out notice; consolidated and... concise, and must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC...

  8. 12 CFR 571.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 571.23 Contents of opt-out notice; consolidated and... concise, and must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC...

  9. 12 CFR 571.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 571.23 Contents of opt-out notice; consolidated and... concise, and must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC...

  10. 12 CFR 571.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... TREASURY FAIR CREDIT REPORTING Affiliate Marketing § 571.23 Contents of opt-out notice; consolidated and... concise, and must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC...

  11. 16 CFR 680.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... REPORTING ACT AFFILIATE MARKETING § 680.23 Contents of opt-out notice; consolidated and equivalent notices... must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC,” then the...

  12. 16 CFR 680.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... REPORTING ACT AFFILIATE MARKETING § 680.23 Contents of opt-out notice; consolidated and equivalent notices... must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC,” then the...

  13. 16 CFR 680.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... REPORTING ACT AFFILIATE MARKETING § 680.23 Contents of opt-out notice; consolidated and equivalent notices... must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC,” then the...

  14. 16 CFR 680.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... REPORTING ACT AFFILIATE MARKETING § 680.23 Contents of opt-out notice; consolidated and equivalent notices... must accurately disclose: (i) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC,” then the...

  15. 17 CFR 162.5 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... Affiliate Marketing Rules § 162.5 Contents of opt-out notice; consolidated and equivalent notices. (a... conspicuous, as well as concise, and must accurately disclose the following: (i) (A) The name of the affiliate... notice; or (B) If jointly provided jointly by multiple affiliates and each affiliate shares a common name...

  16. 17 CFR 162.5 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... Affiliate Marketing Rules § 162.5 Contents of opt-out notice; consolidated and equivalent notices. (a... conspicuous, as well as concise, and must accurately disclose the following: (i) (A) The name of the affiliate... notice; or (B) If jointly provided jointly by multiple affiliates and each affiliate shares a common name...

  17. 17 CFR 162.5 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... Business Affiliate Marketing Rules § 162.5 Contents of opt-out notice; consolidated and equivalent notices... conspicuous, as well as concise, and must accurately disclose the following: (i) (A) The name of the affiliate... notice; or (B) If jointly provided jointly by multiple affiliates and each affiliate shares a common name...

  18. 12 CFR 222.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Reasonable opportunity to opt out. 222.24 Section 222.24 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.24 Reasonable...

  19. 12 CFR 222.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Reasonable opportunity to opt out. 222.24 Section 222.24 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.24 Reasonable opportunity to...

  20. 12 CFR 222.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Reasonable opportunity to opt out. 222.24 Section 222.24 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.24 Reasonable opportunity to...

  1. 12 CFR 222.22 - Scope and duration of opt-out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... SYSTEM FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.22 Scope and duration of opt-out.... (2) Continuing relationship—(i) In general. If the consumer establishes a continuing relationship... connection with— (A) A single continuing relationship or multiple continuing relationships that the consumer...

  2. 12 CFR 334.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.26 Delivery of opt-out notices. (a) In general... the notice; or (4) Posts the notice on the Internet Web site at which the consumer obtained a product... notice; or (3) Posts the notice on an Internet Web site without requiring the consumer to acknowledge...

  3. 12 CFR 716.13 - Exception to opt out requirements for service providers and joint marketing.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Exception to opt out requirements for service providers and joint marketing. 716.13 Section 716.13 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION... opt out requirements for service providers and joint marketing. (a) General rule. (1) The opt out...

  4. 12 CFR 41.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... relationship with the depository institution's securities affiliate for management of the consumer's securities... institution does not have a pre-existing business relationship with the consumer and none of the other... affiliate that has or has previously had a pre-existing business relationship with the consumer; or (ii) As...

  5. 16 CFR 680.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... has a relationship with the creditor's securities affiliate for management of the consumer's.... The creditor does not have a pre-existing business relationship with the consumer and none of the... affiliate that has or has previously had a pre-existing business relationship with the consumer; or (ii) As...

  6. 12 CFR 41.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... relationship with the depository institution's securities affiliate for management of the consumer's securities... institution does not have a pre-existing business relationship with the consumer and none of the other... affiliate that has or has previously had a pre-existing business relationship with the consumer; or (ii) As...

  7. 16 CFR 680.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... has a relationship with the creditor's securities affiliate for management of the consumer's.... The creditor does not have a pre-existing business relationship with the consumer and none of the... affiliate that has or has previously had a pre-existing business relationship with the consumer; or (ii) As...

  8. 12 CFR 41.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... relationship with the depository institution's securities affiliate for management of the consumer's securities... institution does not have a pre-existing business relationship with the consumer and none of the other... affiliate that has or has previously had a pre-existing business relationship with the consumer; or (ii) As...

  9. 12 CFR 41.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... relationship with the depository institution's securities affiliate for management of the consumer's securities... institution does not have a pre-existing business relationship with the consumer and none of the other... affiliate that has or has previously had a pre-existing business relationship with the consumer; or (ii) As...

  10. 16 CFR 680.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... has a relationship with the creditor's securities affiliate for management of the consumer's.... The creditor does not have a pre-existing business relationship with the consumer and none of the... affiliate that has or has previously had a pre-existing business relationship with the consumer; or (ii) As...

  11. 12 CFR 334.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... AND STATEMENTS OF GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.23 Contents of opt... affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC,” then the notice may indicate that it is being provided by...

  12. 12 CFR 334.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... AND STATEMENTS OF GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.23 Contents of opt... affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC,” then the notice may indicate that it is being provided by...

  13. 12 CFR 334.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... AND STATEMENTS OF GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.23 Contents of opt... affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC,” then the notice may indicate that it is being provided by...

  14. 12 CFR 334.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... AND STATEMENTS OF GENERAL POLICY FAIR CREDIT REPORTING Affiliate Marketing § 334.23 Contents of opt... affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC,” then the notice may indicate that it is being provided by...

  15. 16 CFR 313.13 - Exception to opt out requirements for service providers and joint marketing.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 16 Commercial Practices 1 2010-01-01 2010-01-01 false Exception to opt out requirements for service providers and joint marketing. 313.13 Section 313.13 Commercial Practices FEDERAL TRADE COMMISSION REGULATIONS UNDER SPECIFIC ACTS OF CONGRESS PRIVACY OF CONSUMER FINANCIAL INFORMATION Exceptions § 313.13 Exception to opt out requirements for...

  16. 12 CFR 716.13 - Exception to opt out requirements for service providers and joint marketing.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Exception to opt out requirements for service providers and joint marketing. 716.13 Section 716.13 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS PRIVACY OF CONSUMER FINANCIAL INFORMATION Exceptions § 716.13 Exception to opt out requirements for servic...

  17. 12 CFR 40.13 - Exception to opt out requirements for service providers and joint marketing.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Exception to opt out requirements for service providers and joint marketing. 40.13 Section 40.13 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION Exceptions § 40.13 Exception to opt out requirements for service providers and join...

  18. 12 CFR 573.13 - Exception to opt out requirements for service providers and joint marketing.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Exception to opt out requirements for service providers and joint marketing. 573.13 Section 573.13 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION Exceptions § 573.13 Exception to opt out requirements for service providers and...

  19. 12 CFR 334.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... depository institution does not have a pre-existing business relationship with the consumer and none of the...) By an affiliate that has or has previously had a pre-existing business relationship with the consumer... business relationship with the consumer. (b) Making solicitations—(1) In general. For purposes of this...

  20. 12 CFR 222.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... depository institution does not have a pre-existing business relationship with the consumer and none of the...) By an affiliate that has or has previously had a pre-existing business relationship with the consumer... business relationship with the consumer. (b) Making solicitations—(1) In general. For purposes of this...

  1. 12 CFR 334.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... depository institution does not have a pre-existing business relationship with the consumer and none of the...) By an affiliate that has or has previously had a pre-existing business relationship with the consumer... business relationship with the consumer. (b) Making solicitations—(1) In general. For purposes of this...

  2. 12 CFR 222.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... depository institution does not have a pre-existing business relationship with the consumer and none of the...) By an affiliate that has or has previously had a pre-existing business relationship with the consumer... business relationship with the consumer. (b) Making solicitations—(1) In general. For purposes of this...

  3. 12 CFR 334.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... depository institution does not have a pre-existing business relationship with the consumer and none of the...) By an affiliate that has or has previously had a pre-existing business relationship with the consumer... business relationship with the consumer. (b) Making solicitations—(1) In general. For purposes of this...

  4. 12 CFR 334.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... depository institution does not have a pre-existing business relationship with the consumer and none of the...) By an affiliate that has or has previously had a pre-existing business relationship with the consumer... business relationship with the consumer. (b) Making solicitations—(1) In general. For purposes of this...

  5. 12 CFR 717.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... federal credit union does not have a pre-existing business relationship with the consumer and none of the... provided: (i) By an affiliate that has or has previously had a pre-existing business relationship with the... business relationship with the consumer. (b) Making solicitations. (1) In general. For purposes of this...

  6. 12 CFR 1022.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... about its home equity loan products. The creditor does not have a pre-existing business relationship... relationship with the consumer; or (ii) As part of a joint notice from two or more members of an affiliated... previously had a pre-existing business relationship with the consumer. (b) Making solicitations—(1) In...

  7. 12 CFR 717.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... federal credit union does not have a pre-existing business relationship with the consumer and none of the... provided: (i) By an affiliate that has or has previously had a pre-existing business relationship with the... business relationship with the consumer. (b) Making solicitations. (1) In general. For purposes of this...

  8. 12 CFR 1022.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... about its home equity loan products. The creditor does not have a pre-existing business relationship... relationship with the consumer; or (ii) As part of a joint notice from two or more members of an affiliated... previously had a pre-existing business relationship with the consumer. (b) Making solicitations—(1) In...

  9. 12 CFR 1022.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... about its home equity loan products. The creditor does not have a pre-existing business relationship... relationship with the consumer; or (ii) As part of a joint notice from two or more members of an affiliated... previously had a pre-existing business relationship with the consumer. (b) Making solicitations. (1) In...

  10. 12 CFR 717.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... federal credit union does not have a pre-existing business relationship with the consumer and none of the... provided: (i) By an affiliate that has or has previously had a pre-existing business relationship with the... business relationship with the consumer. (b) Making solicitations. (1) In general. For purposes of this...

  11. 12 CFR 222.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... loan products. The depository institution does not have a pre-existing business relationship with the... relationship with the consumer; or (ii) As part of a joint notice from two or more members of an affiliated... previously had a pre-existing business relationship with the consumer. (b) Making solicitations—(1) In...

  12. 12 CFR 571.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... institution does not have a pre-existing business relationship with the consumer and none of the other... affiliate that has or has previously had a pre-existing business relationship with the consumer; or (ii) As... relationship with the consumer. (b) Making solicitations—(1) In general. For purposes of this subpart, you make...

  13. 12 CFR 571.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... institution does not have a pre-existing business relationship with the consumer and none of the other... affiliate that has or has previously had a pre-existing business relationship with the consumer; or (ii) As... relationship with the consumer. (b) Making solicitations—(1) In general. For purposes of this subpart, you make...

  14. 12 CFR 571.21 - Affiliate marketing opt-out and exceptions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... institution does not have a pre-existing business relationship with the consumer and none of the other... affiliate that has or has previously had a pre-existing business relationship with the consumer; or (ii) As... relationship with the consumer. (b) Making solicitations—(1) In general. For purposes of this subpart, you make...

  15. 12 CFR Appendix C to Part 571 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Model Forms for Opt-Out Notices C Appendix C to... REPORTING Pt. 571, App. C Appendix C to Part 571—Model Forms for Opt-Out Notices a. Although use of the... comply with § 571.23(a)(2) of this part. C-1Model Form for Initial Opt-out Notice (Single-Affiliate...

  16. 12 CFR Appendix C to Part 571 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Model Forms for Opt-Out Notices C Appendix C to... REPORTING Pt. 571, App. C Appendix C to Part 571—Model Forms for Opt-Out Notices a. Although use of the... comply with § 571.23(a)(2) of this part. C-1Model Form for Initial Opt-out Notice (Single-Affiliate...

  17. 12 CFR Appendix C to Part 571 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 6 2013-01-01 2012-01-01 true Model Forms for Opt-Out Notices C Appendix C to... REPORTING Pt. 571, App. C Appendix C to Part 571—Model Forms for Opt-Out Notices a. Although use of the... comply with § 571.23(a)(2) of this part. C-1Model Form for Initial Opt-out Notice (Single-Affiliate...

  18. 12 CFR Appendix C to Part 41 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Model Forms for Opt-Out Notices C Appendix C to... Pt. 41, App. C Appendix C to Part 41—Model Forms for Opt-Out Notices a. Although use of the model... comply with § 41.23(a)(2) of this part. C-1 Model Form for Initial Opt-out Notice (Single-Affiliate...

  19. 12 CFR Appendix C to Part 41 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Model Forms for Opt-Out Notices C Appendix C to... Pt. 41, App. C Appendix C to Part 41—Model Forms for Opt-Out Notices a. Although use of the model... comply with § 41.23(a)(2) of this part. C-1 Model Form for Initial Opt-out Notice (Single-Affiliate...

  20. 12 CFR 573.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 6 2013-01-01 2012-01-01 true Form of opt out notice to consumers; opt out... PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 573.7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are required to provide an opt out notice...

  1. 12 CFR 573.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Form of opt out notice to consumers; opt out... PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 573.7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are required to provide an opt out notice...

  2. 12 CFR 573.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 6 2012-01-01 2012-01-01 false Form of opt out notice to consumers; opt out... PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 573.7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are required to provide an opt out notice...

  3. 12 CFR 40.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 1 2012-01-01 2012-01-01 false Form of opt out notice to consumers; opt out... PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 40.7 Form of opt out notice to consumers; opt out methods. (a) (1) Form of opt out notice. If a bank is required to provide an opt out...

  4. 12 CFR 216.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 2 2014-01-01 2014-01-01 false Form of opt out notice to consumers; opt out....7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are... on the relevant forms with the opt out notice; (B) Include a reply form together with the opt out...

  5. 12 CFR 573.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Form of opt out notice to consumers; opt out... PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 573.7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are required to provide an opt out notice...

  6. 12 CFR 332.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 5 2013-01-01 2013-01-01 false Form of opt out notice to consumers; opt out... Form of opt out notice to consumers; opt out methods. (a) (1) Form of opt out notice. If you are... on the relevant forms with the opt out notice; (B) Include a reply form together with the opt out...

  7. 12 CFR 216.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 2 2011-01-01 2011-01-01 false Form of opt out notice to consumers; opt out....7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are... on the relevant forms with the opt out notice; (B) Include a reply form together with the opt out...

  8. 12 CFR 332.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 5 2014-01-01 2014-01-01 false Form of opt out notice to consumers; opt out... Form of opt out notice to consumers; opt out methods. (a) (1) Form of opt out notice. If you are... on the relevant forms with the opt out notice; (B) Include a reply form together with the opt out...

  9. 12 CFR 216.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 2 2012-01-01 2012-01-01 false Form of opt out notice to consumers; opt out....7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are... on the relevant forms with the opt out notice; (B) Include a reply form together with the opt out...

  10. 12 CFR 332.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 5 2012-01-01 2012-01-01 false Form of opt out notice to consumers; opt out... Form of opt out notice to consumers; opt out methods. (a) (1) Form of opt out notice. If you are... on the relevant forms with the opt out notice; (B) Include a reply form together with the opt out...

  11. 12 CFR 40.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 1 2014-01-01 2014-01-01 false Form of opt out notice to consumers; opt out... PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 40.7 Form of opt out notice to consumers; opt out methods. (a) (1) Form of opt out notice. If a bank is required to provide an opt out...

  12. 12 CFR 332.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 4 2011-01-01 2011-01-01 false Form of opt out notice to consumers; opt out... Form of opt out notice to consumers; opt out methods. (a) (1) Form of opt out notice. If you are... on the relevant forms with the opt out notice; (B) Include a reply form together with the opt out...

  13. 12 CFR 216.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 2 2013-01-01 2013-01-01 false Form of opt out notice to consumers; opt out....7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are... on the relevant forms with the opt out notice; (B) Include a reply form together with the opt out...

  14. 17 CFR 248.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 3 2011-04-01 2011-04-01 false Form of opt out notice to... Safeguarding Personal Information Privacy and Opt Out Notices § 248.7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are required to provide an opt out notice under...

  15. 17 CFR 248.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 3 2012-04-01 2012-04-01 false Form of opt out notice to... Safeguarding Personal Information Privacy and Opt Out Notices § 248.7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are required to provide an opt out notice under...

  16. 16 CFR 313.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 16 Commercial Practices 1 2014-01-01 2014-01-01 false Form of opt out notice to consumers; opt out... OF CONGRESS PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 313.7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are required to...

  17. 16 CFR 313.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 16 Commercial Practices 1 2013-01-01 2013-01-01 false Form of opt out notice to consumers; opt out... OF CONGRESS PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 313.7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are required to...

  18. 16 CFR 313.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 16 Commercial Practices 1 2011-01-01 2011-01-01 false Form of opt out notice to consumers; opt out... OF CONGRESS PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 313.7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are required to...

  19. 17 CFR 248.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 3 2013-04-01 2013-04-01 false Form of opt out notice to... Safeguarding Personal Information Privacy and Opt Out Notices § 248.7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are required to provide an opt out notice under...

  20. 16 CFR 313.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 16 Commercial Practices 1 2012-01-01 2012-01-01 false Form of opt out notice to consumers; opt out... OF CONGRESS PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 313.7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are required to...

  1. 12 CFR 571.27 - Renewal of opt-out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... period. Each opt-out renewal must be effective for a period of at least five years as provided in § 571... (ii) As part of a joint renewal notice from two or more members of an affiliated group of companies... provided by multiple companies with the ABC name or multiple companies in the ABC group or family of...

  2. 17 CFR 160.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 1 2013-04-01 2013-04-01 false Form of opt out notice to... Opt Out Notices § 160.7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out... boxes in a prominent position on the relevant forms with the opt out notice; (B) Include a reply form...

  3. 17 CFR 248.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 4 2014-04-01 2014-04-01 false Form of opt out notice to... Information and Safeguarding Personal Information Privacy and Opt Out Notices § 248.7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are required to provide an opt...

  4. 17 CFR 248.121 - Affiliate marketing opt out and exceptions.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... marketing communications that the service provider may send to the investment company's consumers; and the... response to this communication. (iii) A registered investment adviser makes a marketing call to the... marketing solicitations would respond to the consumer-initiated communication about mutual funds. (4...

  5. 17 CFR 160.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 1 2011-04-01 2011-04-01 false Form of opt out notice to... COMMISSION PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 160.7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of opt out notice. If you are required to provide an...

  6. 17 CFR 160.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 2 2014-04-01 2014-04-01 false Form of opt out notice to... Privacy and Opt Out Notices § 160.7 Form of opt out notice to consumers; opt out methods. (a)(1) Form of...-off boxes in a prominent position on the relevant forms with the opt out notice; (B) Include a reply...

  7. 12 CFR 716.7 - Form of opt out notice to consumers and opt out methods.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Form of opt out notice to consumers and opt out... CREDIT UNIONS PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 716.7 Form of opt out notice to consumers and opt out methods. (a)(1) Form of opt out notice. If you are required to...

  8. 12 CFR 716.7 - Form of opt out notice to consumers and opt out methods.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Form of opt out notice to consumers and opt out... CREDIT UNIONS PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 716.7 Form of opt out notice to consumers and opt out methods. (a)(1) Form of opt out notice. If you are required to...

  9. 12 CFR 716.7 - Form of opt out notice to consumers and opt out methods.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Form of opt out notice to consumers and opt out... CREDIT UNIONS PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 716.7 Form of opt out notice to consumers and opt out methods. (a)(1) Form of opt out notice. If you are required to...

  10. 12 CFR 222.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... consumers. Any of the joint consumers may exercise the right to opt out. (ii) The opt-out notice must...) Alternative contents. If the consumer is afforded a broader right to opt out of receiving marketing than is... a clear, conspicuous, and concise notice that accurately discloses the consumer's opt-out rights. (4...

  11. 12 CFR 334.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... of the joint consumers may exercise the right to opt out. (ii) The opt-out notice must explain how an...) Alternative contents. If the consumer is afforded a broader right to opt out of receiving marketing than is... a clear, conspicuous, and concise notice that accurately discloses the consumer's opt-out rights. (4...

  12. 17 CFR 248.123 - Contents of opt out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Marketing § 248.123 Contents of opt out notice; consolidated and equivalent notices. (a) Contents of opt out...”; (iii) A general description of the types of eligibility information that may be used to make marketing... make marketing solicitations to the consumer; (v) That the consumer's election will apply for the...

  13. 17 CFR 248.13 - Exception to opt out requirements for service providers and joint marketing.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Exception to opt out requirements for service providers and joint marketing. 248.13 Section 248.13 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-P: Privacy of Consumer Financial Information and Safeguardin...

  14. 12 CFR 716.7 - Form of opt out notice to consumers and opt out methods.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... your consumers that accurately explains the right to opt out under that section. The notice must state... consumer to a nonaffiliated third party; (ii) That the consumer has the right to opt out of that disclosure; and (iii) A reasonable means by which the consumer may exercise the opt out right. (2) Examples. (i...

  15. 16 CFR 313.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., electronically. (2) When a customer relationship terminates, the customer's opt out direction continues to apply... the individual subsequently establishes a new customer relationship with you, the opt out direction... writing or, if the consumer agrees, electronically. (d) Joint relationships—(1) If two or more consumers...

  16. 12 CFR 332.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., electronically. (2) When a customer relationship terminates, the customer's opt out direction continues to apply... the individual subsequently establishes a new customer relationship with you, the opt out direction... writing or, if the consumer agrees, electronically. (d) Joint relationships—(1) If two or more consumers...

  17. 12 CFR 216.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., electronically. (2) When a customer relationship terminates, the customer's opt out direction continues to apply... the individual subsequently establishes a new customer relationship with you, the opt out direction... writing or, if the consumer agrees, electronically. (d) Joint relationships—(1) If two or more consumers...

  18. 17 CFR 248.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... relationship terminates, the customer's opt out direction continues to apply to the nonpublic personal... establishes a new customer relationship with you, the opt out direction that applied to the former... notice in writing or, if the consumer agrees, electronically. (d) Joint relationships. (1) If two or more...

  19. 12 CFR 573.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... relationship terminates, the customer's opt out direction continues to apply to the nonpublic personal... establishes a new customer relationship with you, the opt out direction that applied to the former... relationships. (1) If two or more consumers jointly obtain a financial product or service from you, you may...

  20. Sex, Gender, and Aspirations to Top Management: Who's Opting out? Who's Opting in?

    ERIC Educational Resources Information Center

    Powell, Gary N.; Butterfield, D. Anthony

    2013-01-01

    The "opt-out revolution" has become a much-discussed phenomenon over the last decade. According to media reports, highly educated women are increasingly opting out of careers that would place them on the fast track to top management levels. However, little attention has been devoted to whether the opt-out revolution may also apply to highly…

  1. 17 CFR 160.9 - Delivering privacy and opt out notices.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 1 2011-04-01 2011-04-01 false Delivering privacy and opt out... PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 160.9 Delivering privacy and opt out notices. (a) How to provide notices. You must provide any privacy notices and opt out notices...

  2. 16 CFR 313.9 - Delivering privacy and opt out notices.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 16 Commercial Practices 1 2011-01-01 2011-01-01 false Delivering privacy and opt out notices. 313... CONGRESS PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 313.9 Delivering privacy and opt out notices. (a) How to provide notices. You must provide any privacy notices and opt out...

  3. 12 CFR 332.9 - Delivering privacy and opt out notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 5 2013-01-01 2013-01-01 false Delivering privacy and opt out notices. 332.9... GENERAL POLICY PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 332.9 Delivering privacy and opt out notices. (a) How to provide notices. You must provide any privacy notices and opt out...

  4. 12 CFR 216.9 - Delivering privacy and opt out notices.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 2 2012-01-01 2012-01-01 false Delivering privacy and opt out notices. 216.9... PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Privacy and Opt Out Notices § 216.9 Delivering privacy and opt out notices. (a) How to provide notices. You must provide any privacy notices and opt out...

  5. 17 CFR 248.122 - Scope and duration of opt out.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... (CONTINUED) REGULATIONS S-P, S-AM, AND S-ID Regulation S-AM: Limitations on Affiliate Marketing § 248.122... notice but not other types of affiliates covered by the notice, electing to prohibit marketing... before the company's affiliates may make marketing solicitations to the consumer using eligibility...

  6. 17 CFR 248.122 - Scope and duration of opt out.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing § 248.122 Scope and... information received from another affiliate as described in the notice to make marketing solicitations to the... but not other types of affiliates covered by the notice, electing to prohibit marketing solicitations...

  7. 17 CFR 248.122 - Scope and duration of opt out.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing § 248.122 Scope and... information received from another affiliate as described in the notice to make marketing solicitations to the... but not other types of affiliates covered by the notice, electing to prohibit marketing solicitations...

  8. 17 CFR 248.122 - Scope and duration of opt out.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing § 248.122 Scope and... information received from another affiliate as described in the notice to make marketing solicitations to the... but not other types of affiliates covered by the notice, electing to prohibit marketing solicitations...

  9. Patient choice in opt-in, active choice, and opt-out HIV screening: randomized clinical trial.

    PubMed

    Montoy, Juan Carlos C; Dow, William H; Kaplan, Beth C

    2016-01-19

    What is the effect of default test offers--opt-in, opt-out, and active choice--on the likelihood of acceptance of an HIV test among patients receiving care in an emergency department? This was a randomized clinical trial conducted in the emergency department of an urban teaching hospital and regional trauma center. Patients aged 13-64 years were randomized to opt-in, opt-out, and active choice HIV test offers. The primary outcome was HIV test acceptance percentage. The Denver Risk Score was used to categorize patients as being at low, intermediate, or high risk of HIV infection. 38.0% (611/1607) of patients in the opt-in testing group accepted an HIV test, compared with 51.3% (815/1628) in the active choice arm (difference 13.3%, 95% confidence interval 9.8% to 16.7%) and 65.9% (1031/1565) in the opt-out arm (difference 27.9%, 24.4% to 31.3%). Compared with active choice testing, opt-out testing led to a 14.6 (11.1 to 18.1) percentage point increase in test acceptance. Patients identified as being at intermediate and high risk were more likely to accept testing than were those at low risk in all arms (difference 6.4% (3.4% to 9.3%) for intermediate and 8.3% (3.3% to 13.4%) for high risk). The opt-out effect was significantly smaller among those reporting high risk behaviors, but the active choice effect did not significantly vary by level of reported risk behavior. Patients consented to inclusion in the study after being offered an HIV test, and inclusion varied slightly by treatment assignment. The study took place at a single county hospital in a city that is somewhat unique with respect to HIV testing; although the test acceptance percentages themselves might vary, a different pattern for opt-in versus active choice versus opt-out test schemes would not be expected. Active choice is a distinct test regimen, with test acceptance patterns that may best approximate patients' true preferences. Opt-out regimens can substantially increase HIV testing, and opt

  10. Patient choice in opt-in, active choice, and opt-out HIV screening: randomized clinical trial

    PubMed Central

    Dow, William H; Kaplan, Beth C

    2016-01-01

    Study question What is the effect of default test offers—opt-in, opt-out, and active choice—on the likelihood of acceptance of an HIV test among patients receiving care in an emergency department? Methods This was a randomized clinical trial conducted in the emergency department of an urban teaching hospital and regional trauma center. Patients aged 13-64 years were randomized to opt-in, opt-out, and active choice HIV test offers. The primary outcome was HIV test acceptance percentage. The Denver Risk Score was used to categorize patients as being at low, intermediate, or high risk of HIV infection. Study answer and limitations 38.0% (611/1607) of patients in the opt-in testing group accepted an HIV test, compared with 51.3% (815/1628) in the active choice arm (difference 13.3%, 95% confidence interval 9.8% to 16.7%) and 65.9% (1031/1565) in the opt-out arm (difference 27.9%, 24.4% to 31.3%). Compared with active choice testing, opt-out testing led to a 14.6 (11.1 to 18.1) percentage point increase in test acceptance. Patients identified as being at intermediate and high risk were more likely to accept testing than were those at low risk in all arms (difference 6.4% (3.4% to 9.3%) for intermediate and 8.3% (3.3% to 13.4%) for high risk). The opt-out effect was significantly smaller among those reporting high risk behaviors, but the active choice effect did not significantly vary by level of reported risk behavior. Patients consented to inclusion in the study after being offered an HIV test, and inclusion varied slightly by treatment assignment. The study took place at a single county hospital in a city that is somewhat unique with respect to HIV testing; although the test acceptance percentages themselves might vary, a different pattern for opt-in versus active choice versus opt-out test schemes would not be expected. What this paper adds Active choice is a distinct test regimen, with test acceptance patterns that may best approximate patients’ true

  11. 76 FR 79307 - Fair Credit Reporting (Regulation V)

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-21

    .... Subpart B--[Reserved] Subpart C--Affiliate Marketing 1022.20 Coverage and definitions. 1022.21 Affiliate marketing opt-out and exceptions. 1022.22 Scope and duration of opt-out. 1022.23 Contents of opt-out notice... Prevention of deceptive marketing of free credit reports. Subpart O--Miscellaneous Duties of Consumer...

  12. 16 CFR 680.27 - Renewal of opt-out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.27... expires, you may not make solicitations based on eligibility information you receive from an affiliate to...) Affiliates who may provide the notice. The notice required by this paragraph must be provided: (i) By the...

  13. 16 CFR 680.27 - Renewal of opt-out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.27... expires, you may not make solicitations based on eligibility information you receive from an affiliate to...) Affiliates who may provide the notice. The notice required by this paragraph must be provided: (i) By the...

  14. 16 CFR 680.27 - Renewal of opt-out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.27... expires, you may not make solicitations based on eligibility information you receive from an affiliate to...) Affiliates who may provide the notice. The notice required by this paragraph must be provided: (i) By the...

  15. 16 CFR 680.27 - Renewal of opt-out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING § 680.27... expires, you may not make solicitations based on eligibility information you receive from an affiliate to...) Affiliates who may provide the notice. The notice required by this paragraph must be provided: (i) By the...

  16. 12 CFR 1016.9 - Delivering privacy and opt out notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Delivering privacy and opt out notices. 1016.9 Section 1016.9 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Privacy and Opt Out Notices § 1016.9 Delivering privacy and opt out notices. (a...

  17. 12 CFR 573.9 - Delivering privacy and opt out notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 6 2014-01-01 2012-01-01 true Delivering privacy and opt out notices. 573.9 Section 573.9 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 573.9 Delivering privacy and opt out notices...

  18. 17 CFR 160.9 - Delivering privacy and opt out notices.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 1 2012-04-01 2012-04-01 false Delivering privacy and opt out... PRIVACY OF CONSUMER FINANCIAL INFORMATION UNDER TITLE V OF THE GRAMM-LEACH-BLILEY ACT Privacy and Opt Out Notices § 160.9 Delivering privacy and opt out notices. (a) How to provide notices. You must provide any...

  19. 17 CFR 160.9 - Delivering privacy and opt out notices.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 1 2013-04-01 2013-04-01 false Delivering privacy and opt out... PRIVACY OF CONSUMER FINANCIAL INFORMATION UNDER TITLE V OF THE GRAMM-LEACH-BLILEY ACT Privacy and Opt Out Notices § 160.9 Delivering privacy and opt out notices. (a) How to provide notices. You must provide any...

  20. 17 CFR 160.9 - Delivering privacy and opt out notices.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 2 2014-04-01 2014-04-01 false Delivering privacy and opt out... (CONTINUED) PRIVACY OF CONSUMER FINANCIAL INFORMATION UNDER TITLE V OF THE GRAMM-LEACH-BLILEY ACT Privacy and Opt Out Notices § 160.9 Delivering privacy and opt out notices. (a) How to provide notices. You must...

  1. 12 CFR 40.9 - Delivering privacy and opt out notices.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Delivering privacy and opt out notices. 40.9 Section 40.9 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 40.9 Delivering privacy and opt out notices. (a) How to...

  2. 12 CFR 40.9 - Delivering privacy and opt out notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 1 2013-01-01 2013-01-01 false Delivering privacy and opt out notices. 40.9 Section 40.9 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY PRIVACY OF CONSUMER FINANCIAL INFORMATION Privacy and Opt Out Notices § 40.9 Delivering privacy and opt out notices. (a) How to...

  3. 12 CFR 40.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., if the consumer agrees, electronically. (2) When a customer relationship terminates, the customer's... during or related to that relationship. If the individual subsequently establishes a new customer... opt out notice in writing or, if the consumer agrees, electronically. (d) Joint relationships. (1) If...

  4. 12 CFR 717.27 - Renewal of opt-out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... applies. (2) Renewal period. Each opt-out renewal must be effective for a period of at least five years as... companies, or their successors, that jointly provided the previous opt-out notice. (b) Contents of renewal... provided by multiple companies with the ABC name or multiple companies in the ABC group or family of...

  5. 12 CFR 717.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... right to opt out. (ii) The opt-out notice must explain how an opt-out direction by a joint consumer will... rights to opt out in a single response. (iii) It is impermissible to require all joint consumers to opt... accurately discloses the consumer's opt-out rights. (4) Model notices. Model notices are provided in appendix...

  6. 12 CFR 571.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... right to opt out. (ii) The opt-out notice must explain how an opt-out direction by a joint consumer will... rights to opt out in a single response. (iii) It is impermissible to require all joint consumers to opt... accurately discloses the consumer's opt-out rights. (4) Model notices. Model notices are provided in appendix...

  7. 17 CFR 160.7 - Form of opt out notice to consumers; opt out methods.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... consumer agrees, electronically. (2) When a customer relationship terminates, the customer's opt out... that relationship. If the individual subsequently establishes a new customer relationship with you, the... relationships. (1) If two or more consumers jointly obtain a financial product or service from you, you may...

  8. Opting Out of Opting Out: A Natural History of a Policy That Failed.

    ERIC Educational Resources Information Center

    Fitz, John; Halpin, David; Power, Sally

    This paper uses data drawn from two projects funded by the Economic and Social Research Council of England and Wales. It covers the years 1990-94 and examines the effects of the Education Reform Act, which allowed state schools to "opt out" or leave the control of their Local Education Authority (LEA) and still receive funding. Such…

  9. Dissenting from care.data: an analysis of opt-out forms.

    PubMed

    Vezyridis, Paraskevas; Timmons, Stephen

    2016-12-01

    Care.data was a programme of work led by NHS England for the extraction of patient-identifiable and coded information from general practitioner (GP) records for secondary uses. This study analyses the forms (on the websites of GP practices) which enabled patients to opt out. Theoretical sampling and summative content analysis were used to collect and analyse dissent forms used by patients to opt out from care. Domains included basic information about the programme, types of objections and personal details required for identification purposes. One hundred opt-out forms were analysed. Fifty-four forms mentioned that this programme was run by NHS England. 81 forms provided two types of objections to data-sharing, and 15 provided only one objection. Only 26 forms mentioned that direct care would not be affected and 32 that patients maintain their right to opt back anytime. All but one of the opt-out forms we reviewed requested the name of the person wishing to opt out. 94 required a date of birth and 33 an NHS number. 82 required an address, 42 a telephone number and 7 an email address. Numbers of patients (not) opting out should be treated with caution, because the variability of information provided and the varied options for dissent may have caused confusion among patients. To ensure that dissent is in accordance with individual preferences and moral values, we recommend that well-designed information material and standardised opt-out forms be developed for such data-sharing initiatives. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://www.bmj.com/company/products-services/rights-and-licensing/.

  10. 75 FR 61842 - Fair Credit Reporting Affiliate Marketing Regulations

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-06

    ... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Fair Credit Reporting Affiliate Marketing... concerning the following information collection. Title of Proposal: Fair Credit Reporting Affiliate Marketing... person from using certain information received from an affiliate to make a solicitation for marketing...

  11. 16 CFR 680.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 680.26 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING... reasonably be expected to receive actual notice if the affiliate providing the notice: (1) Hand-delivers a... electronic disclosures by e-mail from the affiliate providing the notice; or (4) Posts the notice on the...

  12. 16 CFR 680.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 680.26 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING... reasonably be expected to receive actual notice if the affiliate providing the notice: (1) Hand-delivers a... electronic disclosures by e-mail from the affiliate providing the notice; or (4) Posts the notice on the...

  13. 16 CFR 680.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 680.26 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING... reasonably be expected to receive actual notice if the affiliate providing the notice: (1) Hand-delivers a... electronic disclosures by e-mail from the affiliate providing the notice; or (4) Posts the notice on the...

  14. 16 CFR 680.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 680.26 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING... reasonably be expected to receive actual notice if the affiliate providing the notice: (1) Hand-delivers a... electronic disclosures by e-mail from the affiliate providing the notice; or (4) Posts the notice on the...

  15. 75 FR 77048 - Fair Credit Reporting Affiliate Marketing Regulations

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-10

    ... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Fair Credit Reporting Affiliate Marketing... Proposal: Fair Credit Reporting Affiliate Marketing Regulations. OMB Number: 1550-0112. Form Number: N/A... received from an affiliate to make a solicitation for marketing purposes to the consumer, unless the...

  16. 17 CFR Appendix to Subpart B of... - Model Forms

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ...) REGULATIONS S-P, S-AM, AND S-ID Regulation S-AM: Limitations on Affiliate Marketing Pt. 248, Subpt. B, App...—Model Form for Initial Opt Out Notice (Single-Affiliate Notice)—[Your Choice to Limit Marketing]/[Marketing Opt Out] • [Name of Affiliate] is providing this notice. • [Optional: Federal law gives you the...

  17. 17 CFR Appendix to Subpart B of... - Model Forms

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ...) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing Pt. 248, Subpt. B, App. Appendix...—Model Form for Initial Opt Out Notice (Single-Affiliate Notice)—[Your Choice to Limit Marketing]/[Marketing Opt Out] • [Name of Affiliate] is providing this notice. • [Optional: Federal law gives you the...

  18. 17 CFR Appendix to Subpart B of... - Model Forms

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ...) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing Pt. 248, Subpt. B, App. Appendix...—Model Form for Initial Opt Out Notice (Single-Affiliate Notice)—[Your Choice to Limit Marketing]/[Marketing Opt Out] • [Name of Affiliate] is providing this notice. • [Optional: Federal law gives you the...

  19. 17 CFR Appendix A to Part 162 - Sample Clauses

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... Voluntary “No Marketing” Notice A-1 Model Form for Initial Opt-Out Notice (Single-Affiliate Notice) [Your Choice To Limit Marketing]/[Marketing Opt Out] —[Name of Affiliate] is providing this notice. —[Optional: Federal law gives you the right to limit some but not all marketing from our affiliates. Federal law also...

  20. 17 CFR Appendix to Subpart B of... - Model Forms

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ...) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing Pt. 248, Subpt. B, App. Appendix...—Model Form for Initial Opt Out Notice (Single-Affiliate Notice)—[Your Choice to Limit Marketing]/[Marketing Opt Out] • [Name of Affiliate] is providing this notice. • [Optional: Federal law gives you the...

  1. The effect of including an opt-out option in discrete choice experiments.

    PubMed

    Veldwijk, Jorien; Lambooij, Mattijs S; de Bekker-Grob, Esther W; Smit, Henriëtte A; de Wit, G Ardine

    2014-01-01

    to determine to what extent the inclusion of an opt-out option in a DCE may have an effect on choice behaviour and therefore might influence the attribute level estimates, the relative importance of the attributes and calculated trade-offs. 781 Dutch Type 2 Diabetes Mellitus patients completed a questionnaire containing nine choice tasks with an opt-out option and nice forced choice tasks. Mixed-logit models were used to estimate the relative importance of the five lifestyle program related attributes that were included. Willingness to pay (WTP) values were calculated and it was tested whether results differed between respondents who answered the choice tasks with an opt-out option in the first or second part of the questionnaire. 21.4% of the respondents always opted out. Respondents who were given the opt-out option in the first part of the questionnaire as well as lower educated respondents significantly more often opted out. For both the forced and unforced choice model, different attributes showed significant estimates, the relative importance of the attributes was equal. However, due to differences in relative importance weights, the WTP values for the PA schedule differed significantly between both datasets. Results show differences in opting out based on the location of the opt-out option and respondents' educational level; this resulted in small differences between the forced and unforced choice model. Since respondents seem to learn from answering forced choice tasks, a dual response design might result in higher data quality compared to offering a direct opt-out option. Future research should empirically explore how choice sets should be presented to make them as easy and less complex as possible in order to reduce the proportion of respondents that opts-out due to choice task complexity. Moreover, future research should debrief respondents to examine the reasons for choosing the opt-out alternative.

  2. 42 CFR 405.445 - Renewal and early termination of opt-out.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 2 2011-10-01 2011-10-01 false Renewal and early termination of opt-out. 405.445 Section 405.445 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... Renewal and early termination of opt-out. (a) A physician or practitioner may renew opt-out by filing an...

  3. 12 CFR 222.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... RESERVE SYSTEM (CONTINUED) FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.24 Reasonable... receive from an affiliate to make a solicitation to the consumer about your products or services, unless...

  4. 40 CFR 86.1707-99 - General provisions; opt-outs.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ...) General Provisions for the Voluntary National Low Emission Vehicle Program for Light-Duty Vehicles and Light-Duty Trucks § 86.1707-99 General provisions; opt-outs. A covered manufacturer or covered state may... manufacturer until the opt-out has come into effect under paragraph (d)(1) of this section and EPA or a...

  5. 40 CFR 86.1707-99 - General provisions; opt-outs.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ...) General Provisions for the Voluntary National Low Emission Vehicle Program for Light-Duty Vehicles and Light-Duty Trucks § 86.1707-99 General provisions; opt-outs. A covered manufacturer or covered state may... manufacturer until the opt-out has come into effect under paragraph (d)(1) of this section and EPA or a...

  6. Opting in and opting out: a grounded theory of nursing's contribution to inpatient rehabilitation.

    PubMed

    Pryor, Julie; Walker, Annette; O'Connell, Beverly; Worrall-Carter, Linda

    2009-12-01

    To develop a grounded theory of nursing's contribution to patient rehabilitation from the perspective of nurses working in inpatient rehabilitation. Grounded theory method, informed by the theoretical perspective of symbolic interactionism, was used to guide data collection and analysis, and the development of a grounded theory. Five inpatient rehabilitation units in Australia. Thirty-five registered and 18 enrolled nurses participated in audio-taped interviews and/or were observed during periods of their everyday practice. The analysis revealed a situation whereby nurses made decisions about when to 'opt in' and when to 'opt out' of inpatient rehabilitation. This occurred on two levels: with their interaction with patients and allied health professionals, and when faced with negative system issues that impacted on their ability to contribute to patient rehabilitation. The primary contribution nurses made to inpatient rehabilitation was working directly with patients, enabling them to self-care. Nurses coached patients when their decisions about 'opting in' and 'opting out' were based on assessment of the person in their particular context. In contrast, the nurses mostly distanced themselves from system-based problems, 'opting out' of addressing them. They did this not to make their working lives easier, but more manageable. System-based problems impacted negatively on the nurses' ability to deliver comprehensive rehabilitation care. As a consequence, some nurses felt unable to influence the care and they withdrew professionally to make their work lives more manageable.

  7. 17 CFR 248.122 - Scope and duration of opt out.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing § 248.122 Scope and... information received from another affiliate as described in the notice to make marketing solicitations to the consumer. (2) Continuing relationship—(i) In general. If the consumer establishes a continuing relationship...

  8. 12 CFR 334.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges... the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The... indicate that they do not want to opt out. (5) By including in a privacy notice. The opt-out notice is...

  9. The Effect of Including an Opt-Out Option in Discrete Choice Experiments

    PubMed Central

    Veldwijk, Jorien; Lambooij, Mattijs S.; de Bekker-Grob, Esther W.; Smit, Henriëtte A.; de Wit, G. Ardine

    2014-01-01

    Objective to determine to what extent the inclusion of an opt-out option in a DCE may have an effect on choice behaviour and therefore might influence the attribute level estimates, the relative importance of the attributes and calculated trade-offs. Methods 781 Dutch Type 2 Diabetes Mellitus patients completed a questionnaire containing nine choice tasks with an opt-out option and nice forced choice tasks. Mixed-logit models were used to estimate the relative importance of the five lifestyle program related attributes that were included. Willingness to pay (WTP) values were calculated and it was tested whether results differed between respondents who answered the choice tasks with an opt-out option in the first or second part of the questionnaire. Results 21.4% of the respondents always opted out. Respondents who were given the opt-out option in the first part of the questionnaire as well as lower educated respondents significantly more often opted out. For both the forced and unforced choice model, different attributes showed significant estimates, the relative importance of the attributes was equal. However, due to differences in relative importance weights, the WTP values for the PA schedule differed significantly between both datasets. Conclusions Results show differences in opting out based on the location of the opt-out option and respondents' educational level; this resulted in small differences between the forced and unforced choice model. Since respondents seem to learn from answering forced choice tasks, a dual response design might result in higher data quality compared to offering a direct opt-out option. Future research should empirically explore how choice sets should be presented to make them as easy and less complex as possible in order to reduce the proportion of respondents that opts-out due to choice task complexity. Moreover, future research should debrief respondents to examine the reasons for choosing the opt-out alternative. PMID:25365169

  10. Standards, Assessments & Opting Out, Spring 2015

    ERIC Educational Resources Information Center

    Advance Illinois, 2015

    2015-01-01

    In the spring, Illinois students will take new state assessments that reflect the rigor and relevance of the new Illinois Learning Standards. But some classmates will sit out and join the pushback against standardized testing. Opt-out advocates raise concerns about over-testing, and the resulting toll on students as well as the impact on classroom…

  11. Assessment Opt-Out Policies: State Responses to Parent Pushback. ECS Education Trends

    ERIC Educational Resources Information Center

    Aragon, Stephanie; Rowland, Julie; Wixom, Micah Ann

    2015-01-01

    With new state assessments kicking into full swing across the country, schools are seeing more and more parents wanting to opt out their children. Determining whether states allow assessment opt-outs can be complex and is constantly evolving. In some states the answer is clear: State policies either allow or prohibit state assessment opt-outs, or…

  12. 12 CFR 216.9 - Delivering privacy and opt out notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 2 2014-01-01 2014-01-01 false Delivering privacy and opt out notices. 216.9 Section 216.9 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Privacy and Opt Out Notices § 216.9 Delivering...

  13. 12 CFR 216.9 - Delivering privacy and opt out notices.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 2 2011-01-01 2011-01-01 false Delivering privacy and opt out notices. 216.9 Section 216.9 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Privacy and Opt Out Notices § 216.9 Delivering...

  14. 12 CFR 216.9 - Delivering privacy and opt out notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 2 2013-01-01 2013-01-01 false Delivering privacy and opt out notices. 216.9 Section 216.9 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Privacy and Opt Out Notices § 216.9 Delivering...

  15. 17 CFR 248.126 - Delivery of opt out notices.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-AM: Limitations on Affiliate Marketing § 248.126 Delivery... Internet Web site at which the consumer obtained a product or service electronically and requires the... by e-mail from the affiliate providing the notice; or (3) Posts the notice on an Internet Web site...

  16. Practical application of opt-out recruitment methods in two health services research studies.

    PubMed

    Miller, Christopher J; Burgess, James F; Fischer, Ellen P; Hodges, Deborah J; Belanger, Lindsay K; Lipschitz, Jessica M; Easley, Siena R; Koenig, Christopher J; Stanley, Regina L; Pyne, Jeffrey M

    2017-04-14

    Participant recruitment is an ongoing challenge in health research. Recruitment may be especially difficult for studies of access to health care because, even among those who are in care, people using services least often also may be hardest to contact and recruit. Opt-out recruitment methods (in which potential participants are given the opportunity to decline further contact about the study (opt out) following an initial mailing, and are then contacted directly if they have not opted out within a specified period) can be used for such studies. However, there is a dearth of literature on the effort needed for effective opt-out recruitment. In this paper we describe opt-out recruitment procedures for two studies on access to health care within the U.S. Department of Veterans Affairs. We report resource requirements for recruitment efforts (number of opt-out packets mailed and number of phone calls made). We also compare the characteristics of study participants to potential participants via t-tests, Fisher's exact tests, and chi-squared tests. Recruitment rates for our two studies were 12 and 21%, respectively. Across multiple study sites, we had to send between 4.3 and 9.2 opt-out packets to recruit one participant. The number of phone calls required to arrive at a final status for each potentially eligible Veteran (i.e. study participation or the termination of recruitment efforts) were 2.9 and 6.1 in the two studies, respectively. Study participants differed as expected from the population of potentially eligible Veterans based on planned oversampling of certain subpopulations. The final samples of participants did not differ statistically from those who were mailed opt-out packets, with one exception: in one of our two studies, participants had higher rates of mental health service use in the past year than did those mailed opt-out packets (64 vs. 47%). Our results emphasize the practicality of using opt-out methods for studies of access to health care. Despite

  17. The rise and fall of an opt-out system.

    PubMed

    Nordfalk, Francisca; Hoeyer, Klaus

    2018-04-01

    In Denmark, citizens participate in register-based research without the possibility of opting out. However, in 1995 it was made possible for Danish citizens to register an opt-out called 'researcher protection' [ forskerbeskyttelse], which implied that researchers could not contact people to invite them to participate in research projects, such as clinical trials or questionnaries, based on their registrations in national registers. Data already registered could still be used for research. In 2014, this possibility of opt-out was revoked by law. The aims of this paper are to understand how the Danish researcher protection system came about, why it was terminated and what we can we learn from this example. We conducted a descriptive analysis of a copy of the former researcher protection register along with policies and media debate surrounding the rise and revocation of the researcher protection system. Our results show how both the inception and the abolishment of researcher protection appear to be ad hoc and without specified criteria of success. An examination of the recorded entries in the researcher protection registry could have led to changes in its administration as an alternative to its total abolition. In future opt-out systems, there should be focus on monitoring register practices and the purpose and criteria for evaluation must be defined prior to implementation.

  18. 12 CFR 334.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing... by calling a single toll-free telephone number. (2) Opt-out methods that are not reasonable and...

  19. 12 CFR 717.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing consumers to... single toll-free telephone number. (2) Opt-out methods that are not reasonable and simple. Reasonable and...

  20. 12 CFR 717.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing consumers to... single toll-free telephone number. (2) Opt-out methods that are not reasonable and simple. Reasonable and...

  1. 12 CFR 334.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing... by calling a single toll-free telephone number. (2) Opt-out methods that are not reasonable and...

  2. 12 CFR 717.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing consumers to... single toll-free telephone number. (2) Opt-out methods that are not reasonable and simple. Reasonable and...

  3. 12 CFR 334.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing... by calling a single toll-free telephone number. (2) Opt-out methods that are not reasonable and...

  4. 12 CFR 717.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing consumers to... single toll-free telephone number. (2) Opt-out methods that are not reasonable and simple. Reasonable and...

  5. 12 CFR 334.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing... by calling a single toll-free telephone number. (2) Opt-out methods that are not reasonable and...

  6. 12 CFR 717.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing consumers to... single toll-free telephone number. (2) Opt-out methods that are not reasonable and simple. Reasonable and...

  7. 12 CFR 334.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing... by calling a single toll-free telephone number. (2) Opt-out methods that are not reasonable and...

  8. 12 CFR Appendix C to Part 717 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Model Forms for Opt-Out Notices C Appendix C to... FAIR CREDIT REPORTING Pt. 717, App. C Appendix C to Part 717—Model Forms for Opt-Out Notices a... the treatment of opt-outs by joint consumers to comply with § 717.23(a)(2) of this part. C-1Model Form...

  9. 12 CFR Appendix C to Part 717 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Model Forms for Opt-Out Notices C Appendix C to... FAIR CREDIT REPORTING Pt. 717, App. C Appendix C to Part 717—Model Forms for Opt-Out Notices a... the treatment of opt-outs by joint consumers to comply with § 717.23(a)(2) of this part. C-1Model Form...

  10. 12 CFR 222.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing... by calling a single toll-free telephone number. (2) Opt-out methods that are not reasonable and...

  11. 12 CFR 222.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing... by calling a single toll-free telephone number. (2) Opt-out methods that are not reasonable and...

  12. 12 CFR 222.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing... by calling a single toll-free telephone number. (2) Opt-out methods that are not reasonable and...

  13. 12 CFR 222.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing... by calling a single toll-free telephone number. (2) Opt-out methods that are not reasonable and...

  14. 12 CFR 222.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing... by calling a single toll-free telephone number. (2) Opt-out methods that are not reasonable and...

  15. 17 CFR 248.125 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing..., such as by calling a single toll-free telephone number. (2) Opt out methods that are not reasonable and...

  16. 17 CFR 248.125 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing..., such as by calling a single toll-free telephone number. (2) Opt out methods that are not reasonable and...

  17. 17 CFR 248.125 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing..., such as by calling a single toll-free telephone number. (2) Opt out methods that are not reasonable and...

  18. 17 CFR 248.125 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing..., such as by calling a single toll-free telephone number. (2) Opt out methods that are not reasonable and...

  19. 17 CFR 248.125 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that consumers may call to opt out; or (v) Allowing..., such as by calling a single toll-free telephone number. (2) Opt out methods that are not reasonable and...

  20. Preferences for opt-in and opt-out enrollment and consent models in biobank research: a national survey of Veterans Administration patients.

    PubMed

    Kaufman, David; Bollinger, Juli; Dvoskin, Rachel; Scott, Joan

    2012-09-01

    In 2006, the Department of Veterans Affairs launched the Genomic Medicine Program with the goal of using genomic information to personalize and improve health care for veterans. A step toward this goal is the Million Veteran Program, which aims to enroll a million veterans in a longitudinal cohort study and establish a database with genomic, lifestyle, military-exposure, and health information. Before the launch of the Million Veteran Program, a survey of Department of Veterans Affairs patients was conducted to measure preferences for opt-in and opt-out models of enrollment and consent. An online survey was conducted with a random sample of 451 veterans. The survey described the proposed Million Veteran Program database and asked respondents about the acceptability of opt-in and opt-out models of enrollment. The study examined differences in responses among demographic groups and relationships between beliefs about each model and willingness to participate. Most respondents were willing to participate under both opt-in (80%) and opt-out (69%) models. Nearly 80% said they would be comfortable providing access to residual clinical samples for research. At least half of respondents did not strongly favor one model over the other; of those who expressed a preference, significantly more people said they would participate in a study using opt-in methods. Stronger preferences for the opt-in approach were expressed among younger patients and Hispanic patients. Support for the study and willingness to participate were high for both enrollment models. The use of an opt-out model could impede recruitment of certain demographic groups, including Hispanic patients and patients under the age of 55 years.

  1. 12 CFR 222.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing...) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC,” then the notice may indicate that it is...

  2. 12 CFR 222.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... GOVERNORS OF THE FEDERAL RESERVE SYSTEM FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.23... the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC,” then the notice may indicate that it is being...

  3. 12 CFR 222.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED) FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing...) The name of the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC,” then the notice may indicate that it is...

  4. 12 CFR 222.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... GOVERNORS OF THE FEDERAL RESERVE SYSTEM FAIR CREDIT REPORTING (REGULATION V) Affiliate Marketing § 222.23... the affiliate(s) providing the notice. If the notice is provided jointly by multiple affiliates and each affiliate shares a common name, such as “ABC,” then the notice may indicate that it is being...

  5. Opt-out of voluntary HIV testing: a Singapore hospital's experience.

    PubMed

    Chua, Arlene C; Leo, Yee Sin; Cavailler, Philippe; Chu, Christine; Ng, Aloysius; Ng, Oon Tek; Krishnan, Prabha

    2012-01-01

    Since 2008, the Singapore Ministry of Health (MOH) has expanded HIV testing by increasing anonymous HIV test sites, as well as issuing a directive to hospitals to offer routine voluntary opt out inpatient HIV testing. We reviewed this program implemented at the end of 2008 at Tan Tock Seng Hospital (TTSH), the second largest acute care general hospital in Singapore. From January 2009 to December 2010, all inpatients aged greater or equal than 21 years were screened for HIV unless they declined or were not eligible for screening. We reviewed the implementation of the Opt Out testing policy. There were a total of 93,211 admissions; 41,543 patients were included based on HIV screening program eligibility criteria. Among those included, 79% (n = 32,675) opted out of HIV screening. The overall acceptance rate was 21%. Majority of eligible patients who were tested (63%) were men. The mean age of tested patients was 52 years. The opt out rate was significantly higher among females (OR: 1.5, 95%CI: 1.4-1.6), aged >60 years (OR: 2.3, 95%CI: 2.2-2.4) and Chinese ethnicity (OR: 1.7, 95%CI:1.6-1.8). The false positive rate of the HIV screening test is 0.56%. The proportion of patients with HIV infection among those who underwent HIV screening is 0.18%. All 16 confirmed HIV patients were linked to care. The default opt-in rate of inpatient HIV testing was low at Tan Tock Seng Hospital, Singapore. Efforts to address individual HIV risk perception and campaigns against HIV stigma are needed to encourage more individuals to be tested for HIV.

  6. Opting out and Opting in: Understanding the Complexities of Women's Career Transitions

    ERIC Educational Resources Information Center

    Cabrera, Elizabeth F.

    2007-01-01

    Purpose: This study aims to explore the reasons why women are leaving the workplace. Are they opting out of the workforce to stay at home with their children as current media reports suggest, or are the reasons more complex as the Kaleidoscope Career Model (KCM) suggests? A second objective is to examine whether or not women's primary career…

  7. A randomised controlled trial to compare opt-in and opt-out parental consent for childhood vaccine safety surveillance using data linkage: study protocol.

    PubMed

    Berry, Jesia G; Ryan, Philip; Braunack-Mayer, Annette J; Duszynski, Katherine M; Xafis, Vicki; Gold, Michael S

    2011-01-04

    The Vaccine Assessment using Linked Data (VALiD) trial compared opt-in and opt-out parental consent for a population-based childhood vaccine safety surveillance program using data linkage. A subsequent telephone interview of all households enrolled in the trial elicited parental intent regarding the return or non-return of reply forms for opt-in and opt-out consent. This paper describes the rationale for the trial and provides an overview of the design and methods. Single-centre, single-blind, randomised controlled trial (RCT) stratified by firstborn status. Mothers who gave birth at one tertiary South Australian hospital were randomised at six weeks post-partum to receive an opt-in or opt-out reply form, along with information explaining data linkage. The primary outcome at 10 weeks post-partum was parental participation in each arm, as indicated by the respective return or non-return of a reply form (or via telephone or email response). A subsequent telephone interview at 10 weeks post-partum elicited parental intent regarding the return or non-return of the reply form, and attitudes and knowledge about data linkage, vaccine safety, consent preferences and vaccination practices. Enrolment began in July 2009 and 1,129 households were recruited in a three-month period. Analysis has not yet been undertaken. The participation rate and selection bias for each method of consent will be compared when the data are analysed. The VALiD RCT represents the first trial of opt-in versus opt-out consent for a data linkage study that assesses consent preferences and intent compared with actual opting in or opting out behaviour, and socioeconomic factors. The limitations to generalisability are discussed. Australian New Zealand Clinical Trials Registry ACTRN12610000332022.

  8. 12 CFR Appendix C to Part 222 - Model Forms for Opt-Out Notices

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Model Forms for Opt-Out Notices C Appendix C to... SYSTEM FAIR CREDIT REPORTING (REGULATION V) Pt. 222, App. C Appendix C to Part 222—Model Forms for Opt... of opt-outs by joint consumers to comply with § 222.23(a)(2) of this part. C-1Model Form for Initial...

  9. 47 CFR 10.280 - Subscribers' right to opt out of CMAS notifications.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 47 Telecommunication 1 2012-10-01 2012-10-01 false Subscribers' right to opt out of CMAS... MOBILE ALERT SYSTEM Election to Participate in Commercial Mobile Alert System § 10.280 Subscribers' right to opt out of CMAS notifications. (a) CMS providers may provide their subscribers with the option to...

  10. 47 CFR 10.280 - Subscribers' right to opt out of CMAS notifications.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 47 Telecommunication 1 2011-10-01 2011-10-01 false Subscribers' right to opt out of CMAS... MOBILE ALERT SYSTEM Election to Participate in Commercial Mobile Alert System § 10.280 Subscribers' right to opt out of CMAS notifications. (a) CMS providers may provide their subscribers with the option to...

  11. Opt-out of Voluntary HIV Testing: A Singapore Hospital's Experience

    PubMed Central

    Chua, Arlene C.; Leo, Yee Sin; Cavailler, Philippe; Chu, Christine; Ng, Aloysius; Ng, Oon Tek; Krishnan, Prabha

    2012-01-01

    Introduction Since 2008, the Singapore Ministry of Health (MOH) has expanded HIV testing by increasing anonymous HIV test sites, as well as issuing a directive to hospitals to offer routine voluntary opt out inpatient HIV testing. We reviewed this program implemented at the end of 2008 at Tan Tock Seng Hospital (TTSH), the second largest acute care general hospital in Singapore. Methods and Findings From January 2009 to December 2010, all inpatients aged greater or equal than 21 years were screened for HIV unless they declined or were not eligible for screening. We reviewed the implementation of the Opt Out testing policy. There were a total of 93,211 admissions; 41,543 patients were included based on HIV screening program eligibility criteria. Among those included, 79% (n = 32,675) opted out of HIV screening. The overall acceptance rate was 21%. Majority of eligible patients who were tested (63%) were men. The mean age of tested patients was 52 years. The opt out rate was significantly higher among females (OR: 1.5, 95%CI: 1.4–1.6), aged >60 years (OR: 2.3, 95%CI: 2.2–2.4) and Chinese ethnicity (OR: 1.7, 95%CI:1.6–1.8). The false positive rate of the HIV screening test is 0.56%. The proportion of patients with HIV infection among those who underwent HIV screening is 0.18%. All16 confirmed HIV patients were linked to care. Conclusion The default opt-in rate of inpatient HIV testing was low at Tan Tock Seng Hospital, Singapore. Efforts to address individual HIV risk perception and campaigns against HIV stigma are needed to encourage more individuals to be tested for HIV. PMID:22493708

  12. Opt-out screening strategy for HIV infection among patients attending emergency departments: systematic review and meta-analysis.

    PubMed

    Henriquez-Camacho, C; Villafuerte-Gutierrez, P; Pérez-Molina, J A; Losa, J; Gotuzzo, E; Cheyne, N

    2017-07-01

    International health agencies have promoted nontargeted universal (opt-out) HIV screening tests in different settings, including emergency departments (EDs). We performed a systematic review and meta-analysis to assess the testing uptake of strategies (opt-in targeted, opt-in nontargeted and opt-out) to detect new cases of HIV infection in EDs. We searched the Pubmed and Embase databases, from 1984 to April 2015, for opt-in and opt-out HIV diagnostic strategies used in EDs. Randomized controlled or quasi experimental studies were included. We assessed the percentage of positive individuals tested for HIV infection in each programme (opt-in and opt-out strategies). The mean percentage was estimated by combining studies in a random-effect meta-analysis. The percentages of individuals tested in the programmes were compared in a random-effect meta-regression model. Data were analysed using stata version 12. Quality assessments were performed using the Newcastle-Ottawa Scale. Of the 90 papers identified, 28 were eligible for inclusion. Eight trials used opt-out, 18 trials used opt-in, and two trials used both to detect new cases of HIV infection. The test was accepted and taken by 75 155 of 172 237 patients (44%) in the opt-out strategy, and 73 581 of 382 992 patients (19%) in the opt-in strategy. The prevalence of HIV infection detected by the opt-out strategy was 0.40% (373 cases), that detected by the opt-in nontargeted strategy was 0.52% (419 cases), and that detected by the opt-in targeted strategy was 1.06% (52 cases). In this meta-analysis, the testing uptake of the opt-out strategy was not different from that of the opt-in strategy to detect new cases of HIV infection in EDs. © 2016 British HIV Association.

  13. Opt-out HIV testing in prison: informed and voluntary?

    PubMed

    Rosen, David L; Golin, Carol E; Grodensky, Catherine A; May, Jeanine; Bowling, J Michael; DeVellis, Robert F; White, Becky L; Wohl, David A

    2015-01-01

    HIV testing in prison settings has been identified as an important mechanism to detect cases among high-risk, underserved populations. Several public health organizations recommend that testing across health-care settings, including prisons, be delivered in an opt-out manner. However, implementation of opt-out testing within prisons may pose challenges in delivering testing that is informed and understood to be voluntary. In a large state prison system with a policy of voluntary opt-out HIV testing, we randomly sampled adult prisoners in each of seven intake prisons within two weeks after their opportunity to be HIV tested. We surveyed prisoners' perception of HIV testing as voluntary or mandatory and used multivariable statistical models to identify factors associated with their perception. We also linked survey responses to lab records to determine if prisoners' test status (tested or not) matched their desired and perceived test status. Thirty-eight percent (359/936) perceived testing as voluntary. The perception that testing was mandatory was positively associated with age less than 25 years (adjusted relative risk [aRR]: 1.45, 95% confidence interval [CI]: 1.24, 1.71) and preference that testing be mandatory (aRR: 1.81, 95% CI: 1.41, 2.31) but negatively associated with entry into one of the intake prisons (aRR: 0.41 95% CI: 0.27, 0.63). Eighty-nine percent of prisoners wanted to be tested, 85% were tested according to their wishes, and 82% correctly understood whether or not they were tested. Most prisoners wanted to be HIV tested and were aware that they had been tested, but less than 40% understood testing to be voluntary. Prisoners' understanding of the voluntary nature of testing varied by intake prison and by a few individual-level factors. Testing procedures should ensure that opt-out testing is informed and understood to be voluntary by prisoners and other vulnerable populations.

  14. Opt-out HIV testing in prison: Informed and voluntary?

    PubMed Central

    Rosen, David L.; Golin, Carol E.; Grodensky, Catherine A.; May, Jeannine; Bowling, J. Michael; DeVellis, Robert F.; White, Becky L.; Wohl, David A.

    2014-01-01

    HIV testing in prison settings has been identified as an important mechanism to detect cases among high-risk, underserved populations. Several public health organizations recommend that testing across healthcare settings, including prisons, be delivered in an opt-out manner. However, implementation of opt-out testing within prisons may pose challenges in delivering testing that is informed and understood to be voluntary. In a large state prison system with a policy of voluntary opt-out HIV testing, we randomly sampled adult prisoners in each of seven intake prisons within two weeks after their opportunity to be HIV tested. We surveyed prisoners’ perception of HIV testing as voluntary or mandatory and used multivariable statistical models to identify factors associated with their perception. We also linked survey responses to lab records to determine if prisoners’ test status (tested or not) matched their desired and perceived test status. Thirty eight percent (359/936) perceived testing as voluntary. The perception that testing was mandatory was positively associated with age less than 25 years (adjusted relative risk [aRR]: 1.45, 95% CI: 1.24, 1.71) and preference that testing be mandatory (aRR: 1.81, 95% CI: 1.41, 2.31), but negatively associated with entry into one of the intake prisons (aRR: 0.41 95% CI: 0.27, 0.63). Eighty-nine percent of prisoners wanted to be tested, 85% were tested according to their wishes, and 82% correctly understood whether or not they were tested. Most prisoners wanted to be HIV tested and were aware that they had been tested, but less than 40% understood testing to be voluntary. Prisoners’ understanding of the voluntary nature of testing varied by intake prison and by a few individual-level factors. Testing procedures should ensure that opt-out testing is informed and understood to be voluntary by prisoners and other vulnerable populations. PMID:25506799

  15. 16 CFR Appendix A to Part 698 - Model Prescreen Opt-Out Notices

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 16 Commercial Practices 1 2010-01-01 2010-01-01 false Model Prescreen Opt-Out Notices A Appendix A to Part 698 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT MODEL FORMS AND DISCLOSURES Pt. 698, App. A Appendix A to Part 698—Model Prescreen Opt-Out Notices In order to...

  16. A comprehensive theoretical framework for the implementation and evaluation of opt-out HIV testing.

    PubMed

    Leidel, Stacy; Leslie, Gavin; Boldy, Duncan; Girdler, Sonya

    2017-04-01

    Opt-out HIV testing (in which patients are offered HIV testing as a default) is a potentially powerful strategy for increasing the number of people who know their HIV status and thus limiting viral transmission. Like any change in clinical practice, implementation of opt-out HIV testing in a health service requires a change management strategy, which should have theoretical support. This paper considers the application of three theories to the implementation and evaluation of an opt-out HIV testing programme: Behavioural Economics, the Health Belief Model and Normalisation Process Theory. An awareness, understanding and integration of these theories may motivate health care providers to order HIV tests that they may not routinely order, influence their beliefs about who should be tested for HIV and inform the operational aspects of opt-out HIV testing. Ongoing process evaluation of opt-out HIV testing programmes (based on these theories) will help to achieve individual health care provider self-efficacy and group collective action, thereby improving testing rates and health outcomes. © 2016 John Wiley & Sons, Ltd.

  17. Routine opt-out rapid HIV screening and detection of HIV infection in emergency department patients.

    PubMed

    Haukoos, Jason S; Hopkins, Emily; Conroy, Amy A; Silverman, Morgan; Byyny, Richard L; Eisert, Sheri; Thrun, Mark W; Wilson, Michael L; Hutchinson, Angela B; Forsyth, Jessica; Johnson, Steven C; Heffelfinger, James D

    2010-07-21

    The Centers for Disease Control and Prevention (CDC) recommends routine (nontargeted) opt-out HIV screening in health care settings, including emergency departments (EDs), where the prevalence of undiagnosed infection is 0.1% or greater. The utility of this approach in EDs remains unknown. To determine whether nontargeted opt-out rapid HIV screening in the ED was associated with identification of more patients with newly diagnosed HIV infection than physician-directed diagnostic rapid HIV testing. Quasi-experimental equivalent time-samples design in an urban public safety-net hospital with an approximate annual ED census of 55,000 patient visits. Patients were 16 years or older and capable of providing consent for rapid HIV testing. Nontargeted opt-out rapid HIV screening and physician-directed diagnostic rapid HIV testing alternated in sequential 4-month time intervals between April 15, 2007, and April 15, 2009. Number of patients with newly identified HIV infection and the association between nontargeted opt-out rapid HIV screening and identification of HIV infection. In the opt-out phase, of 28,043 eligible ED patients, 6933 patients (25%) completed HIV testing (6702 patients were screened; 231 patients were diagnostically tested). Ten of 6702 patients (0.15%; 95% CI, 0.07%-0.27%) who did not decline HIV screening in the opt-out phase had new HIV diagnoses, and 5 of 231 patients (2.2%; 95% CI, 0.7%-5.0%) who were diagnostically tested during the opt-out phase had new HIV diagnoses. In the diagnostic phase, of 29,925 eligible patients, 243 (0.8%) completed HIV testing. Of these, 4 patients (1.6%; 95% CI, 0.5%-4.2%) had new diagnoses. The prevalence of new HIV diagnoses in the opt-out phase (including those diagnostically tested) and in the diagnostic phase was 15 in 28,043 (0.05%; 95% CI, 0.03%-0.09%) and 4 in 29,925 (0.01%; 95% CI, 0.004%-0.03%), respectively. Nontargeted opt-out HIV screening was independently associated with new HIV diagnoses (risk ratio, 3

  18. 75 FR 66018 - Business Affiliate Marketing and Disposal of Consumer Information Rules

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-27

    ... Marketing and Disposal of Consumer Information Rules AGENCY: Commodity Futures Trading Commission. ACTION... affiliates from using certain information to make marketing solicitations to consumers. The proposed... ``affiliate marketing rules''). The other provision in the CFP Act amends section 628 of the FCRA and mandates...

  19. Rethinking HIV exceptionalism: the ethics of opt-out HIV testing in sub-Saharan Africa

    PubMed Central

    2010-01-01

    Abstract Opt-out testing for the human immunodeficiency virus (HIV) incorporates testing as a routine part of health care for all patients unless they refuse. The ethics of this approach to testing in sub-Saharan Africa is a source of controversy. Opt-out HIV testing is expected to improve survival by increasing case detection and thus linking more HIV-infected people to earlier treatment, provided there is effective patient follow-up and programme sustainability. At the population level, these benefits will likely outweigh the potential negative consequences of individuals experiencing HIV-related stigma. These justifications appeal to consequentialist moral theories that the acceptability of an action depends upon its outcomes. On the other hand, liberal moral theories state that the autonomy of individuals should always be protected unless restricting autonomy is necessary to protect the welfare of others. Opt-out consent may restrict autonomy and it is unclear whether it would benefit people other than those being tested. Yet, the doctrine of libertarian paternalism proposes that it is justifiable and desirable to use unobtrusive mechanisms to help individuals make choices to maximize their own welfare. Central to this idea are the premises featured by supporters of opt-out consent that individuals will not always make the best choices for their own welfare but they may be influenced to do so in ways that will not compromise their freedom of choice. Also important is the premise that all policies inevitably exert some such influence: opt-in consent encourages test refusal just as opt-out consent encourages acceptance. Based on these premises, opt-out testing may be an effective and ethically acceptable policy response to Africa’s HIV epidemic. PMID:20865076

  20. Rethinking HIV exceptionalism: the ethics of opt-out HIV testing in sub-Saharan Africa.

    PubMed

    April, Michael D

    2010-09-01

    Opt-out testing for the human immunodeficiency virus (HIV) incorporates testing as a routine part of health care for all patients unless they refuse. The ethics of this approach to testing in sub-Saharan Africa is a source of controversy. Opt-out HIV testing is expected to improve survival by increasing case detection and thus linking more HIV-infected people to earlier treatment, provided there is effective patient follow-up and programme sustainability. At the population level, these benefits will likely outweigh the potential negative consequences of individuals experiencing HIV-related stigma. These justifications appeal to consequentialist moral theories that the acceptability of an action depends upon its outcomes. On the other hand, liberal moral theories state that the autonomy of individuals should always be protected unless restricting autonomy is necessary to protect the welfare of others. Opt-out consent may restrict autonomy and it is unclear whether it would benefit people other than those being tested. Yet, the doctrine of libertarian paternalism proposes that it is justifiable and desirable to use unobtrusive mechanisms to help individuals make choices to maximize their own welfare. Central to this idea are the premises featured by supporters of opt-out consent that individuals will not always make the best choices for their own welfare but they may be influenced to do so in ways that will not compromise their freedom of choice. Also important is the premise that all policies inevitably exert some such influence: opt-in consent encourages test refusal just as opt-out consent encourages acceptance. Based on these premises, opt-out testing may be an effective and ethically acceptable policy response to Africa's HIV epidemic.

  1. 'We didn't have to dance around it': opt-out HIV testing among homeless and marginalised patients.

    PubMed

    Leidel, Stacy; Leslie, Gavin; Boldy, Duncan; Davies, Andrew; Girdler, Sonya

    2017-07-01

    This study explored opt-out HIV testing in an Australian general practice. The aims were to: (1) determine the effect of the opt-out approach on the number of HIV tests performed; and (2) explore the acceptability of opt-out HIV testing from the healthcare providers' perspective. A prospective mixed-methods study of opt-out HIV testing over a 2-year period (March 2014-March 2016) was conducted. Implementation was based on a theoretical framework that was developed specifically for this study. The setting was Homeless Healthcare, a health service in Perth, Western Australia. The number of HIV tests conducted during the control year (usual practice) was compared with the intervention year (opt-out testing). After the intervention, the healthcare providers (n=8) were interviewed about their experiences with opt-out HIV testing. Directed content analysis was used to explore the qualitative data. HIV testing rates were low during both the control year and the intervention year (315 HIV tests (12% of the patient cohort) and 344 HIV tests (10%) respectively). Opt-out HIV testing was feasible and acceptable to the participating healthcare providers. Other health services could consider opt-out HIV testing for their patients to identify people with undiagnosed infections and sustain Australia's low HIV prevalence.

  2. 76 FR 43879 - Business Affiliate Marketing and Disposal of Consumer Information Rules

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-22

    ... transaction may evidence such a relationship. II. Rule Amendments A. Affiliate Marketing Rules Section 624 of... marketing rules. The Commission has chosen a slightly different approach than the Agencies in terms of its... affiliate marketing rules and disposal rules will harmonize privacy protections for individual customers...

  3. 16 CFR 642.3 - Prescreen opt-out notice.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... NOTICE § 642.3 Prescreen opt-out notice. Any person who uses a consumer report on any consumer in connection with any credit or insurance transaction that is not initiated by the consumer, and that is... written solicitation made to the consumer about the transaction, provide the consumer with the following...

  4. 16 CFR 680.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 680.26 Commercial Practices FEDERAL TRADE COMMISSION THE FAIR CREDIT REPORTING ACT AFFILIATE MARKETING..., the notice may be provided in compliance with either the electronic disclosure provisions in this part or the provisions in section 101 of the Electronic Signatures in Global and National Commerce Act, 15...

  5. Women "Opting out" of Academia: At What Cost?

    ERIC Educational Resources Information Center

    Schneider, Beth Z.; Carden, William; Francisco, Alyson; Jones, Thomas O., Jr.

    2011-01-01

    Previous research has examined the phenomenon of women "opting out" of the corporate environment. Much of this research has examined both "pull" factors--those of home and family life, and "push" factors--those within the organization which create a competitive environment where women feel they cannot achieve the same measure of success as their…

  6. 17 CFR 248.126 - Delivery of opt out notices.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 4 2014-04-01 2014-04-01 false Delivery of opt out notices. 248.126 Section 248.126 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION... Internet Web site at which the consumer obtained a product or service electronically and requires the...

  7. 17 CFR 248.124 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 3 2012-04-01 2012-04-01 false Reasonable opportunity to opt out. 248.124 Section 248.124 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION... Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges...

  8. 17 CFR 248.124 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 3 2011-04-01 2011-04-01 false Reasonable opportunity to opt out. 248.124 Section 248.124 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION... Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges...

  9. 17 CFR 248.126 - Delivery of opt out notices.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 3 2012-04-01 2012-04-01 false Delivery of opt out notices. 248.126 Section 248.126 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION... Internet Web site at which the consumer obtained a product or service electronically and requires the...

  10. 17 CFR 248.124 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 4 2014-04-01 2014-04-01 false Reasonable opportunity to opt out. 248.124 Section 248.124 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION... Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges...

  11. 17 CFR 248.126 - Delivery of opt out notices.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 3 2013-04-01 2013-04-01 false Delivery of opt out notices. 248.126 Section 248.126 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION... Internet Web site at which the consumer obtained a product or service electronically and requires the...

  12. 17 CFR 248.124 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 3 2013-04-01 2013-04-01 false Reasonable opportunity to opt out. 248.124 Section 248.124 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION... Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges...

  13. 17 CFR 248.126 - Delivery of opt out notices.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 3 2011-04-01 2011-04-01 false Delivery of opt out notices. 248.126 Section 248.126 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION... Internet Web site at which the consumer obtained a product or service electronically and requires the...

  14. 17 CFR 248.124 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Reasonable opportunity to opt out. 248.124 Section 248.124 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION... Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges...

  15. Local Media Influence on Opting-Out from an Exception from Informed Consent Trial

    PubMed Central

    Nelson, Maria J; DeIorio, Nicole M; MD, Terri Schmidt; Griffiths, Denise; Daya, Mohamud; Haywood, Liana; Zive, Dana; Newgard, Craig D

    2010-01-01

    Objectives News media are used for community education and notification in exception from informed consent clinical trials, yet their effectiveness as an added safeguard in such research remains unknown. We assessed the number of callers requesting opt-out bracelets following each local media report and described the errors and content within each media report. Methods We undertook a descriptive analysis of local media trial coverage (newspaper, television, radio, and weblog) and opt-out requests over a 41-month period at a single site participating in an exception from informed consent out-of-hospital trial. Two non-trial investigators independently assessed forty-one content-based media variables (including background, trial information, graphics, errors, publication information, assessment) using a standardized, semi-qualitative data collection tool. Major errors were considered serious misrepresentation of the trial purpose or protocol, whereas minor errors included misinformation unlikely to mislead the lay reader about the trial. We plotted the temporal relationship between opt-out bracelet requests and media reports. Descriptive information about the news sources and the trial coverage are presented. Results We collected 39 trial-related media reports (33 newspaper, 1 television, 1 radio, and 4 blogs). There were thirteen errors in 9 (23%) publications, 7 of which were major and 6 minor. Of 384 requests for 710 bracelets, 310 requests (80%) occurred within 4 days after trial media coverage. Graphical timeline representation of the data suggested a close association between media reports about the trial and requests for opt-out bracelets. Conclusions Based on results from a single site, local media coverage for an exception from informed consent clinical trial had a substantial portion of errors and appeared closely associated with opt-out requests. PMID:19682770

  16. 12 CFR 334.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 4 2011-01-01 2011-01-01 false Delivery of opt-out notices. 334.26 Section 334.26 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL... the electronic disclosure provisions in this subpart or the provisions in section 101 of the...

  17. 12 CFR 717.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Delivery of opt-out notices. 717.26 Section 717.26 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS FAIR... electronic disclosure provisions in this subpart or the provisions in section 101 of the Electronic...

  18. 42 CFR 405.435 - Failure to maintain opt-out.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 2 2010-10-01 2010-10-01 false Failure to maintain opt-out. 405.435 Section 405.435 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES MEDICARE PROGRAM FEDERAL HEALTH INSURANCE FOR THE AGED AND DISABLED Private Contracts § 405.435 Failure to...

  19. 42 CFR 405.430 - Failure to properly opt-out.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 2 2010-10-01 2010-10-01 false Failure to properly opt-out. 405.430 Section 405.430 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES MEDICARE PROGRAM FEDERAL HEALTH INSURANCE FOR THE AGED AND DISABLED Private Contracts § 405.430 Failure to...

  20. 12 CFR 41.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 1 2011-01-01 2011-01-01 false Delivery of opt-out notices. 41.26 Section 41.26 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING... provided electronically, the notice may be provided in compliance with either the electronic disclosure...

  1. 12 CFR 571.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 5 2011-01-01 2011-01-01 false Delivery of opt-out notices. 571.26 Section 571.26 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING... provided electronically, the notice may be provided in compliance with either the electronic disclosure...

  2. 12 CFR 222.26 - Delivery of opt-out notices.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Delivery of opt-out notices. 222.26 Section 222.26 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE... compliance with either the electronic disclosure provisions in this subpart or the provisions in section 101...

  3. "Opt Out" and Access to Anesthesia Care for Elective and Urgent Surgeries among U.S. Medicare Beneficiaries.

    PubMed

    Sun, Eric C; Dexter, Franklin; Miller, Thomas R; Baker, Laurence C

    2017-03-01

    In 2001, the Centers for Medicare and Medicaid Services issued a rule allowing U.S. states to "opt out" of the regulations requiring physician supervision of nurse anesthetists in an effort to increase access to anesthesia care. Whether "opt out" has successfully achieved this goal remains unknown. Using Medicare administrative claims data, we examined whether "opt out" reduced the distance traveled by patients, a common measure of access, for patients undergoing total knee arthroplasty, total hip arthroplasty, cataract surgery, colonoscopy/sigmoidoscopy, esophagogastroduodenoscopy, appendectomy, or hip fracture repair. In addition, we examined whether "opt out" was associated with an increase in the use of anesthesia care for cataract surgery, colonoscopy/sigmoidoscopy, or esophagogastroduodenoscopy. Our analysis used a difference-in-differences approach with a robust set of controls to minimize confounding. "Opt out" did not reduce the percentage of patients who traveled outside of their home zip code except in the case of total hip arthroplasty (2.2% point reduction; P = 0.007). For patients travelling outside of their zip code, "opt out" had no significant effect on the distance traveled among any of the procedures we examined, with point estimates ranging from a 7.9-km decrease for appendectomy (95% CI, -19 to 3.4; P = 0.173) to a 1.6-km increase (95% CI, -5.1 to 8.2; P = 0.641) for total hip arthroplasty. There was also no significant effect on the use of anesthesia for esophagogastroduodenoscopy, appendectomy, or cataract surgery. "Opt out" was associated with little or no increased access to anesthesia care for several common procedures.

  4. 12 CFR 222.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... at an Internet Web site at which the consumer has obtained a product or service. The consumer... consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site... one that allows consumers to indicate that they do not want to opt out. (5) By including in a privacy...

  5. 16 CFR 680.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., such as by posting the notice at an Internet Web site at which the consumer has obtained a product or... conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding... including in a privacy notice. The opt-out notice is included in a Gramm-Leach-Bliley Act privacy notice...

  6. 12 CFR 41.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has... a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary.... (5) By including in a privacy notice. The opt-out notice is included in a Gramm-Leach-Bliley Act...

  7. 12 CFR 571.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has... a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary.... (5) By including in a privacy notice. The opt-out notice is included in a Gramm-Leach-Bliley Act...

  8. 12 CFR 717.24 - Reasonable opportunity to opt out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has... a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary.... (5) By including in a privacy notice. The opt-out notice is included in a Gramm-Leach-Bliley Act...

  9. Cost-Effectiveness of Opt-Out Chlamydia Testing for High-Risk Young Women in the U.S.

    PubMed

    Owusu-Edusei, Kwame; Hoover, Karen W; Gift, Thomas L

    2016-08-01

    In spite of chlamydia screening recommendations, U.S. testing coverage continues to be low. This study explored the cost-effectiveness of a patient-directed, universal, opportunistic Opt-Out Testing strategy (based on insurance coverage, healthcare utilization, and test acceptance probabilities) for all women aged 15-24 years compared with current Risk-Based Screening (30% coverage) from a societal perspective. Based on insurance coverage (80%); healthcare utilization (83%); and test acceptance (75%), the proposed Opt-Out Testing strategy would have an expected annual testing coverage of approximately 50% for sexually active women aged 15-24 years. A basic compartmental heterosexual transmission model was developed to account for population-level transmission dynamics. Two groups were assumed based on self-reported sexual activity. All model parameters were obtained from the literature. Costs and benefits were tracked over a 50-year period. The relative sensitivity of the estimated incremental cost-effectiveness ratios to the variables/parameters was determined. This study was conducted in 2014-2015. Based on the model, the Opt-Out Testing strategy decreased the overall chlamydia prevalence by >55% (2.7% to 1.2%). The Opt-Out Testing strategy was cost saving compared with the current Risk-Based Screening strategy. The estimated incremental cost-effectiveness ratio was most sensitive to the female pre-opt out prevalence, followed by the probability of female sequelae and discount rate. The proposed Opt-Out Testing strategy was cost saving, improving health outcomes at a lower net cost than current testing. However, testing gaps would remain because many women might not have health insurance coverage, or not utilize health care. Published by Elsevier Inc.

  10. A population-based approach for implementing change from opt-out to opt-in research permissions

    PubMed Central

    Oates, Jim C.; Shoaibi, Azza; Obeid, Jihad S.; Habrat, Melissa L.; Warren, Robert W.; Brady, Kathleen T.; Lenert, Leslie A.

    2017-01-01

    Due to recently proposed changes in the Common Rule regarding the collection of research preferences, there is an increased need for efficient methods to document opt-in research preferences at a population level. Previously, our institution developed an opt-out paper-based workflow that could not be utilized for research in a scalable fashion. This project was designed to demonstrate the feasibility of implementing an electronic health record (EHR)-based active opt-in research preferences program. The first phase of implementation required creating and disseminating a patient questionnaire through the EHR portal to populate discreet fields within the EHR indicating patients’ preferences for future research study contact (contact) and their willingness to allow anonymised use of excess tissue and fluid specimens (biobank). In the second phase, the questionnaire was presented within a clinic nurse intake workflow in an obstetrical clinic. These permissions were tabulated in registries for use by investigators for feasibility studies and recruitment. The registry was also used for research patient contact management using a new EHR encounter type to differentiate research from clinical encounters. The research permissions questionnaire was sent to 59,670 patients via the EHR portal. Within four months, 21,814 responses (75% willing to participate in biobanking, and 72% willing to be contacted for future research) were received. Each response was recorded within a patient portal encounter to enable longitudinal analysis of responses. We obtained a significantly lower positive response from the 264 females who completed the questionnaire in the obstetrical clinic (55% volunteers for biobank and 52% for contact). We demonstrate that it is possible to establish a research permissions registry using the EHR portal and clinic-based workflows. This patient-centric, population-based, opt-in approach documents preferences in the EHR, allowing linkage of these preferences to

  11. 12 CFR 571.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... out, such as a form that can be electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that...-out under the Act, by a single method, such as by calling a single toll-free telephone number. (2) Opt...

  12. 12 CFR 571.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... out, such as a form that can be electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that...-out under the Act, by a single method, such as by calling a single toll-free telephone number. (2) Opt...

  13. 12 CFR 571.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... out, such as a form that can be electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that...-out under the Act, by a single method, such as by calling a single toll-free telephone number. (2) Opt...

  14. 12 CFR 571.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... out, such as a form that can be electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that...-out under the Act, by a single method, such as by calling a single toll-free telephone number. (2) Opt...

  15. 12 CFR 571.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... out, such as a form that can be electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that...-out under the Act, by a single method, such as by calling a single toll-free telephone number. (2) Opt...

  16. 42 CFR 405.420 - Requirements of the opt-out affidavit.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 2 2010-10-01 2010-10-01 false Requirements of the opt-out affidavit. 405.420 Section 405.420 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES MEDICARE PROGRAM FEDERAL HEALTH INSURANCE FOR THE AGED AND DISABLED Private Contracts § 405.420...

  17. 42 CFR 405.425 - Effects of opting-out of Medicare.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 2 2010-10-01 2010-10-01 false Effects of opting-out of Medicare. 405.425 Section 405.425 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES MEDICARE PROGRAM FEDERAL HEALTH INSURANCE FOR THE AGED AND DISABLED Private Contracts § 405.425...

  18. Opting Out: Parents Creating Contested Spaces to Challenge Standardized Tests

    ERIC Educational Resources Information Center

    Mitra, Dana; Mann, Bryan; Hlavacik, Mark

    2016-01-01

    We explore how the opt-out movement has responded to the combination of a stringent federal policy with weak and often variable implementation among the states. Gaps between federal expectations and states' understandings of just how to make NCLB's demands a reality have created policy ambiguity. Parents who oppose standardized testing have…

  19. Author Affiliation Index: A New Approach to Marketing Journal Ranking

    ERIC Educational Resources Information Center

    Pan, Yue; Chen, Carl R.

    2011-01-01

    Previous research has adopted various methods to assess the relative quality of academic marketing journals. This study, as a replication and extension of Chen and Huang (2007), introduces the Author Affiliation Index (AAI) as an alternative approach to assessing marketing journal quality. The AAI is defined as the ratio of articles authored by…

  20. 42 CFR 405.410 - Conditions for properly opting-out of Medicare.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 2 2010-10-01 2010-10-01 false Conditions for properly opting-out of Medicare. 405.410 Section 405.410 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES MEDICARE PROGRAM FEDERAL HEALTH INSURANCE FOR THE AGED AND DISABLED Private Contracts...

  1. 17 CFR 162.7 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 1 2013-04-01 2013-04-01 false Reasonable and simple methods of opting out. 162.7 Section 162.7 Commodity and Securities Exchanges COMMODITY FUTURES TRADING... electronically mailed or processed through an Internet Web site; (4) Providing a toll-free telephone number; or...

  2. 17 CFR 162.7 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 1 2012-04-01 2012-04-01 false Reasonable and simple methods of opting out. 162.7 Section 162.7 Commodity and Securities Exchanges COMMODITY FUTURES TRADING... electronically mailed or processed through an Internet Web site; (4) Providing a toll-free telephone number; or...

  3. 17 CFR 162.7 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 2 2014-04-01 2014-04-01 false Reasonable and simple methods of opting out. 162.7 Section 162.7 Commodity and Securities Exchanges COMMODITY FUTURES TRADING... electronically mailed or processed through an Internet Web site; (4) Providing a toll-free telephone number; or...

  4. 5 CFR 894.404 - May I opt out of premium conversion?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false May I opt out of premium conversion? 894.404 Section 894.404 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES DENTAL AND VISION INSURANCE PROGRAM Cost of Coverage § 894.404 May I...

  5. 5 CFR 894.404 - May I opt out of premium conversion?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false May I opt out of premium conversion? 894.404 Section 894.404 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES DENTAL AND VISION INSURANCE PROGRAM Cost of Coverage § 894.404 May I...

  6. Opt Out: An Examination of Issues. Research Report. ETS RR-16-13

    ERIC Educational Resources Information Center

    Bennett, Randy E.

    2016-01-01

    Media reports have recently given significant attention to the opt-out movement, an organized effort to refuse to take standardized tests. Although the narrative often told in early press accounts was of a viral grass-roots effort led by parents who object to state-mandated testing, the reality has turned out to be more complicated. Through a…

  7. 12 CFR 216.13 - Exception to opt out requirements for service providers and joint marketing.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... providers and joint marketing. 216.13 Section 216.13 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Exceptions... personal information except as necessary to carry out the joint marketing or under an exception in § 216.14...

  8. 42 CFR 405.445 - Renewal and early termination of opt-out.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 2 2010-10-01 2010-10-01 false Renewal and early termination of opt-out. 405.445 Section 405.445 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN SERVICES MEDICARE PROGRAM FEDERAL HEALTH INSURANCE FOR THE AGED AND DISABLED Private Contracts § 405.445...

  9. 16 CFR 680.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... a form that can be electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that...-out under the Act, by a single method, such as by calling a single toll-free telephone number. (2) Opt...

  10. 16 CFR 680.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... a form that can be electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that...-out under the Act, by a single method, such as by calling a single toll-free telephone number. (2) Opt...

  11. 16 CFR 680.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... a form that can be electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that...-out under the Act, by a single method, such as by calling a single toll-free telephone number. (2) Opt...

  12. 16 CFR 680.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... a form that can be electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that...-out under the Act, by a single method, such as by calling a single toll-free telephone number. (2) Opt...

  13. 16 CFR 680.25 - Reasonable and simple methods of opting out.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... a form that can be electronically mailed or processed at an Internet Web site, if the consumer agrees to the electronic delivery of information; (iv) Providing a toll-free telephone number that...-out under the Act, by a single method, such as by calling a single toll-free telephone number. (2) Opt...

  14. 'Opt-out' referrals after identifying pregnant smokers using exhaled air carbon monoxide: impact on engagement with smoking cessation support.

    PubMed

    Campbell, Katarzyna A; Cooper, Sue; Fahy, Samantha J; Bowker, Katharine; Leonardi-Bee, Jo; McEwen, Andy; Whitemore, Rachel; Coleman, Tim

    2017-05-01

    In the UK, free smoking cessation support is available to pregnant women; only a minority accesses this. 'Opt-out' referrals to stop smoking services (SSS) are recommended by UK guidelines. These involve identifying pregnant smokers using exhaled carbon monoxide (CO) and referring them for support unless they object. To assess the impact of 'opt-out' referrals for pregnant smokers on SSS uptake and effectiveness, we conducted a 'before-after' service development evaluation. In the 6-month 'before' period, there was a routine 'opt-in' referral system for self-reported smokers at antenatal 'booking' appointments. In the 6-month 'after' period, additional 'opt-out' referrals were introduced at the 12-week ultrasound appointments; women with CO≥4 ppm were referred to, and outcome data were collected from, local SSS. Approximately 2300 women attended antenatal care in each period. Before the implementation, 536 (23.4%) women reported smoking at 'booking' and 290 (12.7%) were referred to SSS. After the implementation, 524 (22.9%) women reported smoking at 'booking', an additional 156 smokers (6.8%) were identified via the 'opt-out' referrals and, in total, 421 (18.4%) were referred to SSS. Over twice as many women set a quit date with the SSS after 'opt-out' referrals were implemented (121 (5.3%, 95% CI 4.4% to 6.3%) compared to 57 (2.5%, 95% CI 1.9% to 3.2%) before implementation) and reported being abstinent 4 weeks later (93 (4.1%, 95% CI 3.3% to 4.9%) compared to 46 (2.0%, 1.5% to 2.7%) before implementation). In a hospital with an 'opt-in' referral system, adding CO screening with 'opt-out' referrals as women attended ultrasound examinations doubled the numbers of pregnant smokers setting quit dates and reporting smoking cessation. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://www.bmj.com/company/products-services/rights-and-licensing/.

  15. 47 CFR 10.280 - Subscribers' right to opt out of CMAS notifications.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 47 Telecommunication 1 2010-10-01 2010-10-01 false Subscribers' right to opt out of CMAS notifications. 10.280 Section 10.280 Telecommunication FEDERAL COMMUNICATIONS COMMISSION GENERAL COMMERCIAL MOBILE ALERT SYSTEM Election to Participate in Commercial Mobile Alert System § 10.280 Subscribers' right...

  16. 12 CFR Appendix A to Part 716 - Model Privacy Form

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...) with black or other contrasting ink color. Spot color may be used to achieve visual interest, so long...'t share” if it answers “No” in the middle column. Only the sixth row (“For our affiliates to market... provide an opt-out. (6) For our affiliates to market to you. This reason incorporates sharing information...

  17. 12 CFR Appendix A to Part 40 - Model Privacy Form

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ...) with black or other contrasting ink color. Spot color may be used to achieve visual interest, so long...'t share” if it answers “No” in the middle column. Only the sixth row (“For our affiliates to market... provide an opt-out. (6) For our affiliates to market to you. This reason incorporates sharing information...

  18. 12 CFR Appendix A to Part 573 - Model Privacy Form

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...) with black or other contrasting ink color. Spot color may be used to achieve visual interest, so long...'t share” if it answers “No” in the middle column. Only the sixth row (“For our affiliates to market... provide an opt-out. (6) For our affiliates to market to you. This reason incorporates sharing information...

  19. 12 CFR Appendix A to Part 716 - Model Privacy Form

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...) with black or other contrasting ink color. Spot color may be used to achieve visual interest, so long...'t share” if it answers “No” in the middle column. Only the sixth row (“For our affiliates to market... provide an opt-out. (6) For our affiliates to market to you. This reason incorporates sharing information...

  20. 12 CFR Appendix A to Part 40 - Model Privacy Form

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...) with black or other contrasting ink color. Spot color may be used to achieve visual interest, so long...'t share” if it answers “No” in the middle column. Only the sixth row (“For our affiliates to market... provide an opt-out. (6) For our affiliates to market to you. This reason incorporates sharing information...

  1. 12 CFR Appendix to Part 1016 - Model Privacy Form

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...) with black or other contrasting ink color. Spot color may be used to achieve visual interest, so long...'t share” if it answers “No” in the middle column. Only the sixth row (“For our affiliates to market... provide an opt-out. (6) For our affiliates to market to you. This reason incorporates sharing information...

  2. 12 CFR Appendix A to Part 573 - Model Privacy Form

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ...) with black or other contrasting ink color. Spot color may be used to achieve visual interest, so long...'t share” if it answers “No” in the middle column. Only the sixth row (“For our affiliates to market... provide an opt-out. (6) For our affiliates to market to you. This reason incorporates sharing information...

  3. 12 CFR Appendix A to Part 573 - Model Privacy Form

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...) with black or other contrasting ink color. Spot color may be used to achieve visual interest, so long...'t share” if it answers “No” in the middle column. Only the sixth row (“For our affiliates to market... provide an opt-out. (6) For our affiliates to market to you. This reason incorporates sharing information...

  4. 12 CFR Appendix A to Part 40 - Model Privacy Form

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...) with black or other contrasting ink color. Spot color may be used to achieve visual interest, so long...'t share” if it answers “No” in the middle column. Only the sixth row (“For our affiliates to market... provide an opt-out. (6) For our affiliates to market to you. This reason incorporates sharing information...

  5. 12 CFR Appendix to Part 1016 - Model Privacy Form

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...) with black or other contrasting ink color. Spot color may be used to achieve visual interest, so long...'t share” if it answers “No” in the middle column. Only the sixth row (“For our affiliates to market... provide an opt-out. (6) For our affiliates to market to you. This reason incorporates sharing information...

  6. 12 CFR Appendix to Part 1016 - Model Privacy Form

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ...) with black or other contrasting ink color. Spot color may be used to achieve visual interest, so long...'t share” if it answers “No” in the middle column. Only the sixth row (“For our affiliates to market... provide an opt-out. (6) For our affiliates to market to you. This reason incorporates sharing information...

  7. 16 CFR 680.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ...'s opt-out rights. (4) Model notices. Model notices are provided in Appendix C of Part 698 of this...)(iii) of the Act and the Gramm-Leach-Bliley Act privacy notice. (c) Equivalent notices. A notice or...

  8. Opt-Outs: What Is Lost When Students Do Not Test. Issue Brief

    ERIC Educational Resources Information Center

    Croft, Michelle

    2015-01-01

    Scores on annual statewide achievement tests can provide parents, students, educators, and policymakers with valuable information--but only if students participate. This issue brief provides the background about recent increases in (and efforts to expand) the number of students opting out of statewide assessments, describes the information and…

  9. Opt Out: Women with Children Leaving Mid-Level Student Affairs Positions

    ERIC Educational Resources Information Center

    Hebreard, Dana

    2010-01-01

    This phenomenological study is about the decision-making process of women with young children at the mid-level student affairs position who decide to opt out of their career for a minimum of one year, and for some, return to higher education. The study is based on interviews with 17 mid-level college administrators and mothers of young children,…

  10. 12 CFR 573.15 - Other exceptions to notice and opt out requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... et seq.), or (ii) From a consumer report reported by a consumer reporting agency; (6) In connection... PRIVACY OF CONSUMER FINANCIAL INFORMATION Exceptions § 573.15 Other exceptions to notice and opt out... consumer, provided that the consumer has not revoked the consent or direction; (2)(i) To protect the...

  11. Ethical issues surrounding the provider initiated opt--Out prenatal HIV screening practice in Sub-Saharan Africa: a literature review.

    PubMed

    Bain, Luchuo Engelbert; Dierickx, Kris; Hens, Kristien

    2015-10-24

    Prevention of mother to child transmission of HIV remains a key public health priority in most developing countries. The provider Initiated Opt - Out Prenatal HIV Screening Approach, recommended by the World Health Organization (WHO) lately has been adopted and translated into policy in most Sub - Saharan African countries. To better ascertain the ethical reasons for or against the use of this approach, we carried out a literature review of the ethics literature. Papers published in English and French Languages between 1990 and 2015 from the following data bases were searched: Pubmed, Cochrane literature, Embase, Cinhal, Web of Science and Google Scholar. After screening from 302 identified relevant articles, 21 articles were retained for the critical review. Most authors considered this approach ethically justifiable due to its potential benefits to the mother, foetus and society (Beneficence). The breaching of respect for autonomy was considered acceptable on the grounds of libertarian paternalism. Most authors considered the Opt - Out approach to be less stigmatizing than the Opt - In. The main arguments against the Opt - Out approach were: non respect of patient autonomy, informed consent becoming a meaningless concept and the HIV test becoming compulsory, risk of losing trust in health care providers, neglect of social and psychological implications of doing an HIV test, risk of aggravation of stigma if all tested patients are not properly cared for and neglect of sociocultural peculiarities. The Opt - Out approach could be counterproductive in case gender sensitive issues within the various sociocultural representations are neglected, and actions to offer holistic care to all women who shall potentially test positive for HIV were not effectively ascertained. The Provider Initiated Opt - Out Prenatal HIV Screening option remains ethically acceptable, but deserves caution, active monitoring and evaluation within the translation of this approach into to practice.

  12. 12 CFR 40.15 - Other exceptions to notice and opt out requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... accordance with the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.); or (ii) From a consumer report reported by a consumer reporting agency; (6) In connection with a proposed or actual sale, merger, transfer... PRIVACY OF CONSUMER FINANCIAL INFORMATION Exceptions § 40.15 Other exceptions to notice and opt out...

  13. Programmatic Cost Evaluation of Nontargeted Opt-Out Rapid HIV Screening in the Emergency Department

    PubMed Central

    Haukoos, Jason S.; Campbell, Jonathan D.; Conroy, Amy A.; Hopkins, Emily; Bucossi, Meggan M.; Sasson, Comilla; Al-Tayyib, Alia A.; Thrun, Mark W.

    2013-01-01

    Background The Centers for Disease Control and Prevention recommends nontargeted opt-out HIV screening in healthcare settings. Cost effectiveness is critical when considering potential screening methods. Our goal was to compare programmatic costs of nontargeted opt-out rapid HIV screening with physician-directed diagnostic rapid HIV testing in an urban emergency department (ED) as part of the Denver ED HIV Opt-Out Trial. Methods This was a prospective cohort study nested in a larger quasi-experiment. Over 16 months, nontargeted rapid HIV screening (intervention) and diagnostic rapid HIV testing (control) were alternated in 4-month time blocks. During the intervention phase, patients were offered HIV testing using an opt-out approach during registration; during the control phase, physicians used a diagnostic approach to offer HIV testing to patients. Each method was fully integrated into ED operations. Direct program costs were determined using the perspective of the ED. Time-motion methodology was used to estimate personnel activity costs. Costs per patient newly-diagnosed with HIV infection by intervention phase, and incremental cost effectiveness ratios were calculated. Results During the intervention phase, 28,043 eligible patients were included, 6,933 (25%) completed testing, and 15 (0.2%, 95% CI: 0.1%–0.4%) were newly-diagnosed with HIV infection. During the control phase, 29,925 eligible patients were included, 243 (0.8%) completed testing, and 4 (1.7%, 95% CI: 0.4%–4.2%) were newly-diagnosed with HIV infection. Total annualized costs for nontargeted screening were $148,997, whereas total annualized costs for diagnostic HIV testing were $31,355. The average costs per HIV diagnosis were $9,932 and $7,839, respectively. Nontargeted HIV screening identified 11 more HIV infections at an incremental cost of $10,693 per additional infection. Conclusions Compared to diagnostic testing, nontargeted HIV screening was more costly but identified more HIV infections

  14. Programmatic cost evaluation of nontargeted opt-out rapid HIV screening in the emergency department.

    PubMed

    Haukoos, Jason S; Campbell, Jonathan D; Conroy, Amy A; Hopkins, Emily; Bucossi, Meggan M; Sasson, Comilla; Al-Tayyib, Alia A; Thrun, Mark W

    2013-01-01

    The Centers for Disease Control and Prevention recommends nontargeted opt-out HIV screening in healthcare settings. Cost effectiveness is critical when considering potential screening methods. Our goal was to compare programmatic costs of nontargeted opt-out rapid HIV screening with physician-directed diagnostic rapid HIV testing in an urban emergency department (ED) as part of the Denver ED HIV Opt-Out Trial. This was a prospective cohort study nested in a larger quasi-experiment. Over 16 months, nontargeted rapid HIV screening (intervention) and diagnostic rapid HIV testing (control) were alternated in 4-month time blocks. During the intervention phase, patients were offered HIV testing using an opt-out approach during registration; during the control phase, physicians used a diagnostic approach to offer HIV testing to patients. Each method was fully integrated into ED operations. Direct program costs were determined using the perspective of the ED. Time-motion methodology was used to estimate personnel activity costs. Costs per patient newly-diagnosed with HIV infection by intervention phase, and incremental cost effectiveness ratios were calculated. During the intervention phase, 28,043 eligible patients were included, 6,933 (25%) completed testing, and 15 (0.2%, 95% CI: 0.1%-0.4%) were newly-diagnosed with HIV infection. During the control phase, 29,925 eligible patients were included, 243 (0.8%) completed testing, and 4 (1.7%, 95% CI: 0.4%-4.2%) were newly-diagnosed with HIV infection. Total annualized costs for nontargeted screening were $148,997, whereas total annualized costs for diagnostic HIV testing were $31,355. The average costs per HIV diagnosis were $9,932 and $7,839, respectively. Nontargeted HIV screening identified 11 more HIV infections at an incremental cost of $10,693 per additional infection. Compared to diagnostic testing, nontargeted HIV screening was more costly but identified more HIV infections. More effective and less costly testing

  15. How to market an affiliation. St. Elizabeth Hospital and Mercy Medical Center affiliate to create Affinity Health System.

    PubMed

    1996-01-01

    When Wisconsin's St. Elizabeth Hospital and Mercy Medical Center affiliated to create Affinity Health System, Inc., strategic planning and a solid marketing plan carefully executed were instrumental in its success. A corporate identity campaign and product line identification were follow-up phases to the merger approval.

  16. Deemed consent: assessing the new opt-out approach to organ procurement in Wales.

    PubMed

    Albertsen, Andreas

    2018-05-01

    In December 2015, Wales became the first country in the UK to move away from an opt-in system in organ procurement. The new legislation introduces the concept of deemed consent whereby a person who neither opt in nor opt out is deemed to have consented to donation. The data released by the National Health Service (NHS) in July 2017 provide an excellent opportunity to assess this legislation in light of concerns that it would decrease procurement rates for living and deceased donation, as well as sparking an increase in family refusals. None of these concerns have come to pass, with Wales experiencing more registered donors, fewer family refusals and more living donations. However, as the number of actual donors has dropped slightly from a high level, the situation must be monitored closely in the years to come. © Article author(s) (or their employer(s) unless otherwise stated in the text of the article) 2018. All rights reserved. No commercial use is permitted unless otherwise expressly granted.

  17. 12 CFR 716.15 - Other exceptions to notice and opt out requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Reporting Act (15 U.S.C. 1681 et seq.), or (ii) From a consumer report reported by a consumer reporting... AFFECTING CREDIT UNIONS PRIVACY OF CONSUMER FINANCIAL INFORMATION Exceptions § 716.15 Other exceptions to... notice to consumers in § 716.4(a)(2), the opt out in §§ 716.7 and 716.10 and service providers and joint...

  18. The effects of opt-out legislation on data collection and surveillance of birth defects by the New Hampshire Birth Conditions Program, New Hampshire, United States, 2007-2009.

    PubMed

    Gill, Simerpal; Miller, Stephanie; Broussard, Cheryl; Reefhuis, Jennita

    2012-01-01

    The New Hampshire Birth Conditions Program (NHBCP) is a population-based, active case ascertainment surveillance system that monitors the occurrence of 45 birth defects across the state. A 2008 law requires a new opt-out procedure whereby legal guardians can choose whether or not to have identifiable information retained in the NHBCP database. The purpose of this study was to determine the effects of implementing this opt-out legislation on data collection and surveillance of birth defects by the NHBCP. Using surveillance data collected following implementation of the opt out legislation for the period January 1, 2007, through December 31, 2009, 2 opt-out groups were created: the identifiable information retained (IIR) group, consisting of families who did not choose to opt out, and the de-identified information retained group (DIIR), consisting of those who either chose to opt out or were treated as opt-out birth defect cases because their opt-out package was undeliverable. Descriptive statistics were calculated for each group, and chi-square or Fisher's exact tests were used to compare the proportion of select sociodemographic and medical characteristics between the 2 opt-out groups. Of 776 infants, 120 (15.5%) fell into the DIIR group. Differences were observed by race/ethnicity (among non-Hispanic whites, 15% were in the DIIR group and among Hispanics, 33% were in the DIIR group; p=0.01) and by maternal age (among women 30-34 years of age, 11% were in the DIIR group, and among those 25 years of age or younger, 22% were in the DIIR group; p=0.05). Birth outcomes, payer source, county of residence, and common birth defect diagnoses did not differ between the opt-out groups. This study demonstrated that there were significant differences in race/ethnicity and maternal age between parents who had de-identified information included in the NHBCP compared with those who did not choose to opt out. Although the surveillance of birth defects is not affected, the

  19. Vanishing vaccinations: why are so many Americans opting out of vaccinating their children?

    PubMed

    Calandrillo, Steve P

    2004-01-01

    Vaccinations against life-threatening diseases are one of the greatest public health achievements in history. Literally millions of premature deaths have been prevented, and countless more children have been saved from disfiguring illness. While vaccinations carry unavoidable risks, the medical, social and economic benefits they confer have led all fifty states to enact compulsory childhood vaccination laws to stop the spread of preventable diseases. Today, however, vaccines are becoming a victim of their success--many individuals have never witnessed the debilitating diseases that vaccines protect against, allowing complacency toward immunization requirements to build. Antivaccination sentiment is growing fast in the United States, in large part due to the controversial and hotly disputed link between immunizations and autism. The internet worsens fears regarding vaccination safety, as at least a dozen websites publish alarming information about the risks of vaccines. Increasing numbers of parents are refusing immunizations for their children and seeking legally sanctioned exemptions instead, apparently fearing vaccines more than the underlying diseases that they protect against. A variety of factors are at play: religious and philosophical beliefs, freedom and individualism, misinformation about risk, and overperception of risk. State legislatures and health departments now face a difficult challenge: respecting individual rights and freedoms while also safeguarding the public welfare. Nearly all states allow vaccination exemptions for religious reasons and a growing number provide "philosophical" opt-outs as well. However, in all but a handful of jurisdictions, neither objection is seriously documented or verified. Often, the law requires a parent to do no more than simply check a box indicating she does not wish her child to receive immunizations. The problem is exacerbated by financial incentives schools have to encourage students to opt out of vaccinations

  20. Opt-Out Parental Consent in Online Surveys: Ethical Considerations.

    PubMed

    Harris, Jane; Porcellato, Lorna

    2018-07-01

    This article aims to foster discussion and debate around seeking parental consent from young people recruited online. The growth of social media, particularly for young people, has led to increased interest in young people's online activities as both a research topic and recruitment setting. In a health-related study, which sought to recruit young people aged 13 to 18 years old from YouTuber fan communities to an online survey, the question arose of how parental consent could be sought from young people below 16 when no link existed between researcher and parents/guardians. A practical strategy is proposed which combines novel communication methods for participant information, opt-out online consent and age verification to address this issue. Strengths and limitations of these approaches are discussed.

  1. 18 CFR 35.39 - Affiliate restrictions.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... Sales of Electric Energy, Capacity and Ancillary Services at Market-Based Rates § 35.39 Affiliate... authority, the conditions provided in this section, including the restriction on affiliate sales of electric... the Seller's market-based rate tariff. (b) Restriction on affiliate sales of electric energy or...

  2. 12 CFR 41.27 - Renewal of opt-out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR CREDIT REPORTING Affiliate... must either separately identify each affiliate by name or identify each of the common names used by... companies” or by “the ABC banking and credit card companies and the XYZ insurance companies”; (2) A list of...

  3. Victims, vectors and villains: are those who opt out of vaccination morally responsible for the deaths of others?

    PubMed Central

    Selgelid, Michael J

    2016-01-01

    Mass vaccination has been a successful public health strategy for many contagious diseases. The immunity of the vaccinated also protects others who cannot be safely or effectively vaccinated—including infants and the immunosuppressed. When vaccination rates fall, diseases like measles can rapidly resurge in a population. Those who cannot be vaccinated for medical reasons are at the highest risk of severe disease and death. They thus may bear the burden of others' freedom to opt out of vaccination. It is often asked whether it is legitimate for states to adopt and enforce mandatory universal vaccination. Yet this neglects a related question: are those who opt out, where it is permitted, morally responsible when others are harmed or die as a result of their decision? In this article, we argue that individuals who opt out of vaccination are morally responsible for resultant harms to others. Using measles as our main example, we demonstrate the ways in which opting out of vaccination can result in a significant risk of harm and death to others, especially infants and the immunosuppressed. We argue that imposing these risks without good justification is blameworthy and examine ways of reaching a coherent understanding of individual moral responsibility for harms in the context of the collective action required for disease transmission. Finally, we consider several objections to this view, provide counterarguments and suggest morally permissible alternatives to mandatory universal vaccination including controlled infection, self-imposed social isolation and financial penalties for refusal to vaccinate. PMID:27697791

  4. A 10-year population based study of 'opt-out' HIV testing of tuberculosis patients in Alberta, Canada: national implications.

    PubMed

    Long, Richard; Niruban, Selvanayagam; Heffernan, Courtney; Cooper, Ryan; Fisher, Dina; Ahmed, Rabia; Egedahl, Mary Lou; Fur, Rhonda

    2014-01-01

    Compliance with the recommendation that all tuberculosis (TB) patients be tested for human immunodeficiency virus (HIV) has not yet been achieved in Canada or globally. The experience of "opt-out" HIV testing of TB patients in the Province of Alberta, Canada is described over a 10-year period, 2003-2012. Testing rates are reported before and after the introduction of the "opt-out" approach. Risk factors for HIV seropositivity are described and demographic, clinical and laboratory characteristics of TB patients who were newly diagnosed versus previously diagnosed with HIV are compared. Genotypic clusters, defined as groups of two or more cases whose isolates of Mycobacterium tuberculosis had identical DNA fingerprints over the 10-year period or within 2 years of one another, were analyzed for their ability to predict HIV co-infection. HIV testing rates were 26% before and 90% after the introduction of "opt-out" testing. During the "opt-out" testing years those <15 or >64 years of age at diagnosis were less likely to have been tested. In those tested the prevalence of HIV was 5.6%. In the age group 15-64 years, risk factors for HIV were: age (35-64 years), Canadian-born Aboriginal or foreign-born sub-Saharan African origin, and combined respiratory and non-respiratory disease. Compared to TB patients previously known to be HIV positive, TB patients newly discovered to be HIV positive had more advanced HIV disease (lower CD4 counts; higher viral loads) at diagnosis. Large cluster size was associated with Aboriginal ancestry. Cluster size predicted HIV co-infection in Aboriginal peoples when clusters included all cases reported over 10 years but not when clusters included cases reported within 2 years of one another. "Opt-out" HIV testing of TB patients is effective and well received. Universal HIV testing of TB patients (>80% of patients tested) has immediate (patients) and longer-term (TB/HIV program planning) benefits.

  5. Opt-Out Patient Navigation to Improve Breast and Cervical Cancer Screening Among Homeless Women.

    PubMed

    Asgary, Ramin; Naderi, Ramesh; Wisnivesky, Juan

    2017-09-01

    A patient navigation model was implemented to improve breast and cervical cancer screening among women who were homeless in five shelters and shelter clinics in New York City in 2014. Navigation consisted of opt-out screening to eligible women; cancer health and screening education; scheduling and following up for screening completion, obtaining, and communicating results to patients and providers; and care coordination with social services organizations. Women (n = 162, aged 21-74, 58% black) completed mammogram (88%) and Pap testing (83%) from baselines of 59% and 50%, respectively. There was no association between mental health or substance abuse and screening completion. Adjusted analysis showed a significant association between refusing/missing Pap testing and older age (odds ratio [OR] 1.12, 95% confidence interval [CI] 1.04-1.20); independent predictors of mammogram included more pregnancies (OR 0.57, 95% CI 0.37-0.88) and older age (OR 0.84, 95% CI 0.79-0.90). Opt-out patient navigation is feasible and effective and may mitigate multilevel barriers to cancer screening among women with unstable housing.

  6. A religiously affiliated health care system in today's competitive market: a success story.

    PubMed

    King, J G

    1984-09-01

    In today's competitive health care market, not-for-profit religiously affiliated health care systems face multiple challenges for survival. Their mission of providing for the effective and efficient delivery of quality health care and health-related services for the benefit of individuals, families, and society and a philosophy of maintaining a Christian emphasis in all endeavors conflicts with many of the current competitive themes in health care. The successful system profiled here is Evangelical Health Systems (EHS), a not-for-profit organization affiliated with the United Church of Christ.

  7. The Social Networks and Paradoxes of the Opt-out Movement Amid the Common Core State Standards Implementation: The Case of New York

    ERIC Educational Resources Information Center

    Wang, Yinying

    2017-01-01

    Opting out of state standardized tests has recently become a movement--a series of grassroots, organized efforts to refuse to take high-stakes state standardized tests. In particular, the opt-out rates in the state of New York reached 20% in 2015 and 21% in 2016. This study aims to illustrate the social networks and examine the paradoxes that have…

  8. Opting out against defection leads to stable coexistence with cooperation.

    PubMed

    Zhang, Bo-Yu; Fan, Song-Jia; Li, Cong; Zheng, Xiu-Deng; Bao, Jian-Zhang; Cressman, Ross; Tao, Yi

    2016-10-24

    Cooperation coexisting with defection is a common phenomenon in nature and human society. Previous studies for promoting cooperation based on kin selection, direct and indirect reciprocity, graph selection and group selection have provided conditions that cooperators outcompete defectors. However, a simple mechanism of the long-term stable coexistence of cooperation and defection is still lacking. To reveal the effect of direct reciprocity on the coexistence of cooperation and defection, we conducted a simple experiment based on the Prisoner's Dilemma (PD) game, where the basic idea behind our experiment is that all players in a PD game should prefer a cooperator as an opponent. Our experimental and theoretical results show clearly that the strategies allowing opting out against defection are able to maintain this stable coexistence.

  9. Opt-outs and upgrades. Ethics and law in the United Kingdom.

    PubMed

    Stammers, Trevor; James, Matt

    2014-07-01

    We report on two areas in which UK law and ethics seem out of step with each other. 2013 saw the passing of the Human Transplantation (Wales) Bill, which will introduce an opt-out system of organ donation in Wales from 2015. In the first section, we discuss the convoluted evolution of the Bill and some potential problems that we consider may prevent it from achieving its intended goal of increasing the number of organs transplanted. The prospect of being able to enhance human cognition through cognitive-enhancing drugs ("smart drugs") also presents a nexus of questions associated with future ambitions, hopes, and concerns as a society. How these drugs might affect the future of work and employment is beginning to generate wide public engagement in the UK and forms the focus of the second section.

  10. 16 CFR Appendix C to Part 698 - Model Forms for Affiliate Marketing Opt-Out Notices

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... appendix (as applicable) complies with the requirement in section 624 of the Act for clear, conspicuous... so extensive as to affect the substance, clarity, or meaningful sequence of the language in the model...,” “account history,” or “credit score” for accuracy, such as “payment history,” “credit history,” “payoff...

  11. Evolution/Creationism Controversy: Analysis of Past and Current Policies in Public Schools and the Practice of Allowing Students to Opt Out of Learning Evolution Concepts

    NASA Astrophysics Data System (ADS)

    Speake, Jacquelyn Hoffmann

    2011-07-01

    Recent anti-evolution legislation, in the form of Academic Freedom bills, has been introduced in many state legislatures over the last three years. The language in the proposed Academic Freedom bills may allow different interpretations of what can be taught in the science classrooms, and possibly spur parents to take advantage of their perceived parental rights to request their child be opted-out of class when the scientific theory of evolution is taught. Five research questions guided the analysis of participant responses to questions and perception statements focusing on secondary school administrators' actions, perceptions, and awareness as they relate to their decision to allow or not allow a student to opt out of academics, specifically evolution, through the collection of data using a web-based survey. Opt out policies are typically invoked to excuse students from activities to which they or their parents may have religious objections (Scott & Branch, 2008). Florida statutes allow parents to opt out their child from human sexuality and animal dissection. The population consisted of 281 Florida public secondary school administrators, who were divided into two subgroups based on whether they have allowed or would allow a student to opt out of evolution, or have not allowed or would not allow a student to opt out of class when the scientific theory of evolution is taught. Results found that over 70% of the administrators who completed the survey have allowed or would allow parents to opt out their child from learning about the scientific theory of evolution. There was a significant relationship between the decision to allow opt out and the following variables: (a) Free and Reduced Lunch population, (b) grade level served, (c) support for teaching evolution and alternative theories, and (d) the perception that parent rights supersede state statute requiring students to learn evolution. In Florida, any scientific concept that is based on empirical evidence is

  12. Internal organs, integral selves, and good communities: opt-out organ procurement policies and the 'separateness of persons'.

    PubMed

    Nelson, James Lindemann

    2011-10-01

    Most people accept that if they can save someone from death at very little cost to themselves, they must do so; call this the 'duty of easy rescue.' At least for many such people, an instance of this duty is to allow their vital organs to be used for transplantation. Accordingly, 'opt-out' organ procurement policies, based on a powerfully motivated responsibility to render costless or very low-cost lifesaving aid, would seem presumptively permissible. Counterarguments abound. Here I consider, in particular, objections that assign a moral distinctiveness to the physical boundaries of our bodies and that concern autonomy and trust. These objections are singled out as they seem particularly pertinent to the stress I place on a distinctive benefit of the particular policy I defend. An opt-out system, resting not on the authority of 'presumed consent' but on the recognition of a duty to one another, has the prospect of prompting people to understand more richly the ways in which they are both physically embodied and communally embedded.

  13. Correlates of HIV testing refusal among emergency department patients in the opt-out testing era.

    PubMed

    Setse, Rosanna W; Maxwell, Celia J

    2014-05-01

    Opt-out HIV screening is recommended by the CDC for patients in all healthcare settings. We examined correlates of HIV testing refusal among urban emergency department (ED) patients. Confidential free HIV screening was offered to 32,633 ED patients in an urban tertiary care facility in Washington, DC, during May 2007-December 2011. Demographic differences in testing refusals were examined using χ(2) tests and generalized linear models. HIV testing refusal rates were 47.7 % 95 % CI (46.7-48.7), 11.7 % (11.0-12.4), 10.7 % (10.0-11.4), 16.9 % (15.9-17.9) and 26.9 % (25.6-28.2) in 2007, 2008, 2009, 2010 and 2011 respectively. Persons 33-54 years of age [adjusted prevalence ratio (APR) 1.42, (1.36-1.48)] and those ≥ 55 years [APR 1.39 (1.31-1.47)], versus 33-54 years; and females versus males [APR 1.07 (1.02-1.11)] were more likely to refuse testing. Opt-out HIV testing is feasible and sustainable in urban ED settings. Efforts are needed to encourage testing among older patients and women.

  14. University-Affiliated Alcohol Marketing Enhances the Incentive Salience of Alcohol Cues.

    PubMed

    Bartholow, Bruce D; Loersch, Chris; Ito, Tiffany A; Levsen, Meredith P; Volpert-Esmond, Hannah I; Fleming, Kimberly A; Bolls, Paul; Carter, Brooke K

    2018-01-01

    We tested whether affiliating beer brands with universities enhances the incentive salience of those brands for underage drinkers. In Study 1, 128 undergraduates viewed beer cues while event-related potentials (ERPs) were recorded. Results showed that beer cues paired with in-group backgrounds (logos for students' universities) evoked an enhanced P3 ERP component, a neural index of incentive salience. This effect varied according to students' levels of identification with their university, and the amplitude of the P3 response prospectively predicted alcohol use over 1 month. In Study 2 ( N = 104), we used a naturalistic advertisement exposure to experimentally create in-group brand associations and found that this manipulation caused an increase in the incentive salience of the beer brand. These data provide the first evidence that marketing beer via affiliating it with students' universities enhances the incentive salience of the brand for underage students and that this effect has implications for their alcohol involvement.

  15. 12 CFR 223.52 - What transactions with affiliates or others must comply with section 23B's market terms requirement?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false What transactions with affiliates or others must comply with section 23B's market terms requirement? 223.52 Section 223.52 Banks and Banking...) through (e) or (h) through (j) of § 223.42; (2) The sale of a security or other asset to an affiliate...

  16. Domestic uptake of green energy promoted by opt-out tariffs

    NASA Astrophysics Data System (ADS)

    Ebeling, Felix; Lotz, Sebastian

    2015-09-01

    Motivating individuals to choose energy from sustainable sources over conventionally produced power constitutes one of the biggest policy challenges for societies. Here we present the results of a randomized controlled trial in Germany that tested the impact of default rules (that is, a type of `nudging’) on voluntary purchases of `green’ energy contracts that entirely stem from renewable resources. Setting the default choice to more expensive `green’ energy (that is, where consumers have to actively opt out if they do not want it) increased purchases of such nearly tenfold. Furthermore, county-level political preference for the green party uniquely predicted behaviour in the absence of the nudge, suggesting that default setting potentially overrules motivational aspects of green energy purchases. In follow-up experiments, we provide further evidence that the effect does not seem to be driven by unawareness. Summarizing, the present research provides an example of using behavioural science for climate change mitigation and shows alternatives to the use of subsidies or other economic incentives.

  17. Who opts out of a project for health promotion with incentives?: Empirical research on the effect of rewards to motivate persistence.

    PubMed

    Okamoto, Shohei; Komamura, Kohei; Tanabe, Kai; Yokoyama, Noriko; Tsukao, Akiko; Chijiki, Shoko; Kuno, Shinya

    2017-01-01

    Objectives　Although providing incentives for a better lifestyle has been of increasing concern, there is insufficient evidence about its effect. Therefore, this research aims to discover new insights by verifying the effect of rewards to motivate persistence in a project for health promotion.Methods　A total of 7,622 participants of an incentivized project for health promotion (Wellness Point Project) were recruited from 6 municipalities in Japan, namely Tohoku, Chubu, Kanto, Kinki, and Chugoku, of which the 4,291 individuals who had the necessary information for estimation were analyzed. Persistence in the project was judged by whether there was information about daily steps and/or participation in some fitness classes every month for one year at most. In addition, we used the reason participants chose certain rewards in order to categorize the characteristic of rewards, and estimated opt-out hazard ratios from the project using survival time analysis. Furthermore, the estimation in the model included individual features such as age, education, status of physical activity before joining the project, lifestyles such as smoking, drinking, and so on.Results　A multivariate analysis reveals that those who had chosen a reward for regional contribution were more likely to opt out than those who had chosen a certain reward because it is close to cash. The opt-out hazard ratio was 1.63 (95% CI: 1.18-2.25) among men and 1.40 (95% CI: 1.08-1.81) among women. In addition, insufficient physical activity, smoking, working for men, and physical condition for women were associated with opt-out.Conclusions　This research verified that a reward that participants felt was close to cash, compared to the internal motivation of regional contribution, could enhance the persistence rate of the project. Moreover, it was found that not only giving incentives but also considering participants' conditions is necessary to enhance persistence.

  18. 75 FR 20796 - Market-Based Rate Affiliate Restrictions

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-21

    ... restrictions that govern the relationship between franchised public utilities with captive customers and their... extent practical, from employees of affiliated franchised utilities with captive customers.\\6\\ Order No... affiliate restrictions provide that [[Page 20797

  19. 12 CFR 41.23 - Contents of opt-out notice; consolidated and equivalent notices.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... equivalent notices. 41.23 Section 41.23 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE... affiliate by name or identify each of the common names used by those affiliates, for example, by stating... card companies and the XYZ insurance companies” (ii) A list of the affiliates or types of affiliates...

  20. Conventional consent with opting in versus simplified consent with opting out: an exploratory trial for studies that do not increase patient risk.

    PubMed

    Rogers, C G; Tyson, J E; Kennedy, K A; Broyles, R S; Hickman, J F

    1998-04-01

    The objective of this study was to assess a modified consent procedure allowed under federal regulations and developed for studies, particularly clinical trials, that are judged by the Institutional Review Board to reduce or have no effect on patient risk. This was a randomized trial of a conventional consent procedure that required parental signature to give consent (opting in) after a comprehensive disclosure of the rights of participants in research versus a modified consent procedure that required parental signature to refuse consent (opting out) after specific disclosures appropriate when risk is not increased. Consent was sought for a trial of primary follow-up care for disadvantaged infants at high risk, a trial judged by our Institutional Review Board to increase access to care for both groups. A blinded assessor interviewed mothers within 24 hours of the consent decision. Among the 44 mothers interviewed, the modified consent group scored higher than the conventional consent group in recall and understanding of study purpose and methods (47% vs 30%; p < 0.02). Other comparisons provided no evidence that the modified consent procedure was less desirable. Virtually all mothers reported satisfaction. The modified approach may improve communication and facilitate studies judged by the Institutional Review Board to be risk-neutral or risk-reducing. Further evaluation of a modified consent procedure for such studies is warranted.

  1. Universal opt-out screening for hepatitis C virus (HCV) within correctional facilities is an effective intervention to improve public health.

    PubMed

    Morris, Meghan D; Brown, Brandon; Allen, Scott A

    2017-09-11

    Purpose Worldwide efforts to identify individuals infected with the hepatitis C virus (HCV) focus almost exclusively on community healthcare systems, thereby failing to reach high-risk populations and those with poor access to primary care. In the USA, community-based HCV testing policies and guidelines overlook correctional facilities, where HCV rates are believed to be as high as 40 percent. This is a missed opportunity: more than ten million Americans move through correctional facilities each year. Herein, the purpose of this paper is to examine HCV testing practices in the US correctional system, California and describe how universal opt-out HCV testing could expand early HCV detection, improve public health in correctional facilities and communities, and prove cost-effective over time. Design/methodology/approach A commentary on the value of standardizing screening programs across facilities by mandating all facilities (universal) to implement opt-out testing policies for all prisoners upon entry to the correctional facilities. Findings Current variability in facility-level testing programs results in inconsistent testing levels across correctional facilities, and therefore makes estimating the actual number of HCV-infected adults in the USA difficult. The authors argue that universal opt-out testing policies ensure earlier diagnosis of HCV among a population most affected by the disease and is more cost-effective than selective testing policies. Originality/value The commentary explores the current limitations of selective testing policies in correctional systems and provides recommendations and implications for public health and correctional organizations.

  2. 17 CFR 160.13 - Exception to opt out requirements for service providers and joint marketing.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... this section may include marketing of your own products or services or marketing of financial products... requirements for service providers and joint marketing. 160.13 Section 160.13 Commodity and Securities Exchanges COMMODITY FUTURES TRADING COMMISSION PRIVACY OF CONSUMER FINANCIAL INFORMATION Exceptions § 160.13...

  3. Opt-Out HIV Testing of Inmates in North Carolina Prisons: Factors Associated with not Wanting a Test and not Knowing They Were Tested.

    PubMed

    Grodensky, Catherine A; Rosen, David L; Hino, Sayaka; Golin, Carol E; Wohl, David A

    2016-04-01

    Opt-out HIV testing is recommended for correctional settings but may occur without inmates' knowledge or against their wishes. Through surveying inmates receiving opt-out testing in a large prison system, we estimated the proportion unaware of being tested or not wanting a test, and associations [prevalence ratios (PRs)] with inmate characteristics. Of 871 tested, 11.8 % were unknowingly tested and 10.8 % had unwanted tests. Not attending an educational HIV course [PR = 2.34, 95 % confidence interval (CI) 1.47-3.74], lower HIV knowledge (PR = 0.95, 95 % CI 0.91-0.98), and thinking testing is not mandatory (PR = 9.84, 95 % CI 4.93-19.67) were associated with unawareness of testing. No prior incarcerations (PR = 1.59, 95 % CI 1.03-2.46) and not using crack/cocaine recently (PR = 2.37, 95 % CI 1.21-4.64) were associated with unwanted testing. Residence at specific facilities was associated with both outcomes. Increased assessment of inmate understanding and enhanced implementation are needed to ensure inmates receive full benefits of opt-out testing: being informed and tested according to their wishes.

  4. Opt-out HIV testing of inmates in North Carolina prisons: Factors associated with not wanting a test and not knowing they were tested

    PubMed Central

    Grodensky, Catherine A.; Rosen, David L.; Hino, Sayaka; Golin, Carol E.; Wohl, David A.

    2017-01-01

    Opt-out HIV testing is recommended for correctional settings but may occur without inmates’ knowledge or against their wishes. Through surveying inmates receiving opt-out testing in a large prison system, we estimated the proportion unaware of being tested or not wanting a test, and associations (prevalence ratios [PRs]) with inmate characteristics. Of 871 tested, 11.8% were unknowingly tested and 10.8% had unwanted tests. Not attending an educational HIV course (PR=2.34, 95% CI 1.47–3.74), lower HIV knowledge (PR=0.95, 95% CI 0.91–0.98), and thinking testing is not mandatory (PR=9.84, 95% CI 4.93–19.67) were associated with unawareness of testing. No prior incarcerations (PR=1.59, 95% CI 1.03–2.46) and not using crack/cocaine recently (PR=2.37, 95% CI 1.21–4.64) were associated with unwanted testing. Residence at specific facilities was associated with both outcomes. Increased assessment of inmate understanding and enhanced implementation are needed to ensure inmates receive full benefits of opt-out testing: being informed and tested according to their wishes. PMID:26386591

  5. 12 CFR 332.13 - Exception to opt out requirements for service providers and joint marketing.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... this section may include marketing of your own products or services or marketing of financial products... providers and joint marketing. 332.13 Section 332.13 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY PRIVACY OF CONSUMER FINANCIAL INFORMATION Exceptions § 332.13...

  6. 7 CFR 983.3 - Affiliation.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 7 Agriculture 8 2010-01-01 2010-01-01 false Affiliation. 983.3 Section 983.3 Agriculture Regulations of the Department of Agriculture (Continued) AGRICULTURAL MARKETING SERVICE (Marketing Agreements and Orders; Fruits, Vegetables, Nuts), DEPARTMENT OF AGRICULTURE PISTACHIOS GROWN IN CALIFORNIA...

  7. 18 CFR 35.39 - Affiliate restrictions.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 18 Conservation of Power and Water Resources 1 2010-04-01 2010-04-01 false Affiliate restrictions. 35.39 Section 35.39 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY COMMISSION... Sales of Electric Energy, Capacity and Ancillary Services at Market-Based Rates § 35.39 Affiliate...

  8. Improving Public Schools through the Dissent of Parents: Opting out of Tests, Demanding Alternative Curricula, Invoking Parent Trigger Laws, and Withdrawing Entirely

    ERIC Educational Resources Information Center

    Stitzlein, Sarah M.

    2015-01-01

    Some parents and caregivers, frustrated by low academic performance of their local school, emphasis on testing, or the content of the curriculum, have worked independently or formed parent groups to speak out and demand improvements. Parents and families enact solutions such as opting out of tests, developing alternative curricula, invoking parent…

  9. 16 CFR 680.27 - Renewal of opt-out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... renewal must be effective for a period of at least five years as provided in § 680.22(b) of this part. (3... notice from two or more members of an affiliated group of companies, or their successors, that jointly..., such as “ABC,” then the notice may indicate that it is being provided by multiple companies with the...

  10. Analytical flaws and practical pitfalls: Reconsidering FERC`s merchant affiliate rules

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Santa, D.F. Jr.

    1998-11-01

    The merchant affiliate rules are a detriment not just to the regulated utility affiliate and its captive ratepayers, but even to competition in the wholesale bulk power market. The rationale underlying the merchant affiliate rules, their continued relevance, and, most importantly, their practical effect on both the utilities bound by such rules and the marketplace has not been seriously re-examined in the wake of the bulk power market`s rapid evolution. This article traces the development of the Commission`s merchant affiliate rules and reconsiders the rationale supporting the rules and the pivotal question of whether, in fact, such rules benefit utilitymore » ratepayers. The article concludes that in light of the analytical flaws and practical pitfalls surrounding the merchant affiliate rules, a balanced reevaluation of the Commission`s rules is in order.« less

  11. 16 CFR 316.5 - Prohibition on charging a fee or imposing other requirements on recipients who wish to opt out.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... TRADE COMMISSION REGULATIONS UNDER SPECIFIC ACTS OF CONGRESS CAN-SPAM RULE § 316.5 Prohibition on... other than the recipient's electronic mail address and opt-out preferences, or take any other steps except sending a reply electronic mail message or visiting a single Internet Web page, in order to: (a...

  12. 13 CFR 121.103 - How does SBA determine affiliation?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ....103 How does SBA determine affiliation? (a) General Principles of Affiliation. (1) Concerns and... the Agricultural Marketing Act (12 U.S.C. 1141j), are not considered affiliated with the cooperative... agreements in principle) to have a present effect on the power to control a concern. SBA treats such options...

  13. Participant recruitment in sensitive surveys: a comparative trial of ‘opt in’ versus ‘opt out’ approaches

    PubMed Central

    2013-01-01

    Background Although in health services survey research we strive for a high response rate, this must be balanced against the need to recruit participants ethically and considerately, particularly in surveys with a sensitive nature. In survey research there are no established recommendations to guide recruitment approach and an ‘opt-in’ system that requires potential participants to request a copy of the questionnaire by returning a reply slip is frequently adopted. However, in observational research the risk to participants is lower than in clinical research and so some surveys have used an ‘opt-out’ system. The effect of this approach on response and distress is unknown. We sought to investigate this in a survey of end of life care completed by bereaved relatives. Methods Out of a sample of 1422 bereaved relatives we assigned potential participants to one of two study groups: an ‘opt in’ group (n=711) where a letter of invitation was issued with a reply slip to request a copy of the questionnaire; or an ‘opt out’ group (n=711) where the survey questionnaire was provided alongside the invitation letter. We assessed response and distress between groups. Results From a sample of 1422, 473 participants returned questionnaires. Response was higher in the ‘opt out’ group than in the ‘opt in’ group (40% compared to 26.4%: χ2 =29.79, p-value<.01), there were no differences in distress or complaints about the survey between groups, and assignment to the ‘opt out’ group was an independent predictor of response (OR=1.84, 95% CI: 1.45-2.34). Moreover, the ‘opt in’ group were more likely to decline to participate (χ2=28.60, p-value<.01) and there was a difference in the pattern of questionnaire responses between study groups. Conclusion Given that the ‘opt out’ method of recruitment is associated with a higher response than the ‘opt in’ method, seems to have no impact on complaints or distress about the survey, and there are

  14. Pairing QuantiFERON Gold In-Tube with Opt-Out HIV Testing in a Tuberculosis Contact Investigation in the Southeastern United States

    PubMed Central

    Goswami, Neela D.; Bissette, Deborah J.; Turner, Debra S.; Baker, Ann V.; Gadkowski, L. Beth; Naggie, Susanna; Erlandson, Kirby; Chen, Luke; Lalani, Tahaniyat; Cox, Gary M.; Stout, Jason E.

    2010-01-01

    Abstract Knowing one's HIV status is particularly important in the setting of recent tuberculosis (TB) exposure. Blood tests for assessment of tuberculosis infection, such as the QuantiFERON Gold in-tube test (QFT; Cellestis Limited, Carnegie, Victoria, Australia), offer the possibility of simultaneous screening for TB and HIV with a single blood draw. We performed a cross-sectional analysis of all contacts to a highly infectious TB case in a large meatpacking factory. Twenty-two percent were foreign-born and 73% were black. Contacts were tested with both tuberculin skin testing (TST) and QFT. HIV testing was offered on an opt-out basis. Persons with TST ≥10 mm, positive QFT, and/or positive HIV test were offered latent TB treatment. Three hundred twenty-six contacts were screened: TST results were available for 266 people and an additional 24 reported a prior positive TST for a total of 290 persons with any TST result (89.0%). Adequate QFT specimens were obtained for 312 (95.7%) of persons. Thirty-two persons had QFT results but did not return for TST reading. Twenty-two percent met the criteria for latent TB infection. Eighty–eight percent accepted HIV testing. Two (0.7%) were HIV seropositive; both individuals were already aware of their HIV status, but one had stopped care a year previously. None of the HIV-seropositive persons had latent TB, but all were offered latent TB treatment per standard guidelines. This demonstrates that opt-out HIV testing combined with QFT in a large TB contact investigation was feasible and useful. HIV testing was also widely accepted. Pairing QFT with opt-out HIV testing should be strongly considered when possible. PMID:20731612

  15. 78 FR 2720 - Agency Information Collection Activities: Proposed Information Collection; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-14

    ... national bank or Federal savings association is required to provide an opt-out notice under Sec. 1016.10(a... to opt out; or Provides a toll-free number to opt out. Sec. Sec. 1016.10(a)(2) and 1016(c)--Consumers... Federal savings associations with over $10 billion in total assets and any affiliates thereof, which is...

  16. Opting Out and Buying Out: Wives’ Earnings and Housework Time

    PubMed Central

    Killewald, Alexandra

    2011-01-01

    It has been proposed that the negative association between wives’ earnings and their time in housework is due to greater outsourcing of household labor by households with high-earning wives, but this hypothesis has not been tested directly. In a sample of dual-earner married couples in the Consumption and Activities Mail Survey of the Health and Retirement Study (N = 796), use of market substitutes for women’s housework was found to be only weakly associated with wives’ time cooking and cleaning. Furthermore, expenditures on market substitutes explain less than 15% of the earnings–housework time relationship. This suggests that use of market substitutes plays a smaller role in explaining variation in wives’ time in household labor than has previously been hypothesized. PMID:22053115

  17. The new opt-out Dutch National Breast Implant Registry - Lessons learnt from the road to implementation.

    PubMed

    Rakhorst, Hinne A; Mureau, Marc A M; Cooter, Rodney D; McNeil, John; van Hooff, Miranda; van der Hulst, René; Hommes, Juliette; Hoornweg, Marije; Moojen-Zaal, Laura; Liem, Patricia; Mathijssen, Irene M J

    2017-10-01

    An estimated 1-3% of all women in the Netherlands carry breast implants. Since the introduction five decades ago, problems with a variety of breast implants have emerged with direct consequences for the patients' health. Plastic surgeons worldwide reacted through campaigning for auditing on long-term implant quality, surgeon performance, and institutional outcomes in implant registries. Especially, the PIP implant scandal of 2010 demonstrated the paucity of epidemiological data and uncovered a weakness in our ability to even 'track and trace' patients. In addition, a recent report of the Dutch Institute of National Health showed a lack of compliance of 100% of breast implant producers to CE requirements. These arguments stress the need for an independent implant registry. Insufficient capture rates or dependence from the implant producers made the variety of national and international patient registries unreliable. The Dutch Breast Implant Registry (DBIR) is unique because it is an opt-out registry without the need for informed consent and thus a high capture rate. Furthermore, an estimated 95% of breast implants are implanted by board-certified plastic surgeons. Funding was received from a non-governmental organisation to increase the quality of health care in the Netherlands, and maintenance is gathered by 25 euros per implant inserted. This article describes the way the Dutch have set up their system, with special attention to the well-known hurdles of starting a patient registry. Examples include: funding, medical ethical issues, opt out system, benchmarking, quality assurance as well as governance and collaboration. The Dutch consider their experience and data shareware for others to be used globally to the benefit of patient safety and quality improvement. Copyright © 2017 British Association of Plastic, Reconstructive and Aesthetic Surgeons. Published by Elsevier Ltd. All rights reserved.

  18. Religiosity and the Motivation for Social Affiliation.

    PubMed

    Van Cappellen, Patty; Fredrickson, Barbara L; Saroglou, Vassilis; Corneille, Olivier

    2017-07-15

    Although universal, the motivation to affiliate can vary as a function of individual differences and of the characteristics of the target. Three studies explored the extent to which religious beliefs and identity are related to social affiliation motivation. Because most religions advocate affiliation and provide opportunities for frequent experiences of affiliation, we reasoned that religious people might show greater affiliation motivation in everyday attitudes and behaviors. We found that religiosity was positively related to implicit and behavioral measures of general social affiliation (Studies 1 and 2). However, manipulating the identity of the affiliation target revealed that when affiliating might not lead to positive outcomes, the relation between religiosity and social affiliation disappeared (but did not reverse). In Studies 2 and 3, when the target of the affiliation was explicitly identified as a member of a threatening out-group (atheist), religiosity did not predict affiliation behaviors. We discuss the mechanisms by which religiosity motivates and constrains social affiliation and the potential implications for social influence and intergroup processes.

  19. Do Market Incentives Crowd Out Charitable Giving?

    PubMed Central

    Deck, Cary; Kimbrough, Erik O.

    2013-01-01

    Donations and volunteerism can be conceived as market transactions with a zero explicit price. However, evidence suggests people may not view zero as just another price when it comes to pro-social behavior. Thus, while markets might be expected to increase the supply of assets available to those in need, some worry such financial incentives will crowd out altruistic giving. This paper reports laboratory experiments directly investigating the degree to which market incentives crowd out large, discrete charitable donations in a setting related to deceased organ donation. The results suggest markets increase the supply of assets available to those in need. However, as some critics fear, market incentives disproportionately influence the relatively poor. PMID:24348002

  20. Affiliation to the work market after curative treatment of head-and-neck cancer: a population-based study from the DAHANCA database.

    PubMed

    Kjær, Trille; Bøje, Charlotte Rotbøl; Olsen, Maja Halgren; Overgaard, Jens; Johansen, Jørgen; Ibfelt, Else; Steding-Jessen, Marianne; Johansen, Christoffer; Dalton, Susanne O

    2013-02-01

    Survivors of squamous cell carcinoma of the head and neck (HNSCC) are more severely affected in regard to affiliation to the work market than other cancer survivors. Few studies have investigated associations between socioeconomic and disease-related factors and work market affiliation after curative treatment of HNSCC. We investigated the factors for early retirement pension due to disability and unemployment in patients who had been available for work one year before diagnosis. In a nationwide, population-based cohort study, data on 2436 HNSCC patients treated curatively in 1992-2008 were obtained from the Danish Head and Neck Cancer Group database and linked to Danish administrative population-based registries to obtain demographic and socioeconomic variables. We used multivariate logistic regression models to assess associations between socioeconomic factors (education, income and cohabitating status), cancer-specific variables such as tumour site and stage, comorbidity, early retirement pension and unemployment, with adjustment for age, gender and year of diagnosis. Short education [odds ratio (OR) 4.8; 95% confidence interval (CI) 2.2-10.4], low income (OR 3.2; 95% CI 1.8-5.8), living alone (OR 3.0; 95% CI 2.1-4.4) and having a Charlson comorbidity index score of 3 or more (OR 5.9; 95% CI 3.1-11) were significantly associated with early retirement overall and in all site groups. For the subgroup of patients who were employed before diagnosis, the risk pattern was similar. Tumour stage was not associated with early retirement or unemployment. Cancer-related factors were less strongly associated with early retirement and unemployment than socioeconomic factors and comorbidity. Clinicians treating HNSCC patients should be aware of the socioeconomic factors related to work market affiliation in order to provide more intensive social support or targeted rehabilitation for this patient group.

  1. Assessing patients' attitudes to opt-out HIV rapid screening in community dental clinics: a cross-sectional Canadian experience.

    PubMed

    Brondani, Mario; Chang, Steve; Donnelly, Leeann

    2016-05-10

    As a public health initiative, provided-initiated HIV screening test in dental settings has long been available in the U.S.; it was only in 2011 that such setting was used in Canada. The objective of this paper was to assess patients' response to, and attitudes towards, an opt-out rapid HIV screening test in a dental setting in Vancouver, Canada. A cross-sectional evaluation design using a self-complete survey questionnaire on self-perceived values and benefits of an opt-out rapid HIV screening was employed. An anonymous 10-item questionnaire was developed to explore reasons for accepting or declining the HIV rapid screening test, and barriers and facilitators for the HIV screening in dental settings. Eligible participants were male and female older than 19 years attending community dental clinics and who were offered the HIV screening test between June 2010 and February 2015. From the 1552 age-eligible patients, 519 completed the survey and 155 (10 %) accepted the HIV screening due to its convenience, and/or free cost, and/or instant results. From the 458 respondents who did not accept the screening, 362 (79 %) were between the ages of 25 and 45 years; 246 (53.7 %) had identifiable risk factors for contracting HIV; and 189 (41.3 %) reported having been tested within the last 3 months. Those tested in less than 3 months had 3.5 times higher odds to decline the HIV screening compared to those who have been tested between 3 months and 1 year. Convenience, cost-free and readily available results are factors influencing rapid HIV screening uptake. Although dental settings remain an alternative venue for HIV screening from the patients' perspectives, dental hygiene settings might offer a better option.

  2. UK National Data Guardian for Health and Care's Review of Data Security: Trust, better security and opt-outs.

    PubMed

    Chan, Tom; Di Iorio, Concetta Tania; De Lusignan, Simon; Lo Russo, Daniel; Kuziemsky, Craig; Liaw, Siaw-Teng

    2016-12-20

    Sharing health and social care data is essential to the delivery of high quality health care as well as disease surveillance, public health, and for conducting research. However, these societal benefits may be constrained by privacy and data protection principles. Hence, societies are striving to find a balance between the two competing public interests. Whilst the spread of IT advancements in recent decades has increased the demand for an increased privacy and data protection in many ways health is a special case. UK are adopting guidelines, codes of conduct and regulatory instruments aimed to implement privacy principles into practical settings and enhance public trust. Accordingly, in 2015, the UK National Data Guardian (NDG) requested to conduct a further review of data protection, referred to as Caldicott 3.  The scope of this review is to strengthen data security standards and confidentiality. It also proposes a consent system based on an "opt-out" model rather than on "opt-in.Across Europe as well as internationally the privacy-health data sharing balance is not fixed.  In Europe enactment of the new EU Data Protection Regulation in 2016 constitute a major breakthrough, which is likely to have a profound effect on European countries and beyond.  In Australia and across North America different ways are being sought to balance out these twin requirements of a modern society - to preserve privacy alongside affording high quality health care for an ageing population.  Whilst in the UK privacy legal framework remains complex and fragmented into different layers of legislation, which may negatively impact on both the rights to privacy and health the UK is at the forefront in the uptake of international and EU privacy and data protection principles. And, if the privacy regime were reorganised in a more comprehensive manner, it could be used as a sound implementation model for other countries.

  3. Inmarsat affiliate to operate medium-altitude satellite system

    NASA Astrophysics Data System (ADS)

    1994-05-01

    Inmarsat will form an affiliated company to develop its $2.4-billion Inmarsat-P program as a competitor to Motorola's Iridium and Loral's Globestar in the exploding mobile communications market. Various aspects of the program are briefly discussed.

  4. 78 FR 65632 - Centralized Capacity Markets in Regional Transmission Organizations and Independent System...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-11-01

    ... capacity product, as under current market designs, are there certain fundamental performance standards that... necessary for capacity investment? PJM offers LSEs the alternative to opt out of its capacity auction by... transmission may substitute for capacity resources. How can investment in capacity and transmission planning be...

  5. 76 FR 79663 - Privacy Act of 1974; System of Records

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-22

    ... Advertising, Market Research & Studies Recruiting Database (January 9, 2007, 72 FR 952). Changes... written Opt-Out requests to Joint Advertising, Marketing Research & Studies (JAMRS), ATTN: Opt-Out, Suite.... However, because opt-out screening is based, in part, on the current address of the individual, any change...

  6. 18 CFR 250.16 - Format of compliance plan for transportation services and affiliate transactions.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... distribution company, an interstate pipeline, an intrastate pipeline, an end-user, a producer, a marketer, or a... affiliate's role in the transportation transaction (i.e., shipper, marketer, supplier, seller); the duration...

  7. Opting in Between: Strategies Used by Professional Women with Children to Balance Work and Family

    ERIC Educational Resources Information Center

    Grant-Vallone, Elisa J.; Ensher, Ellen A.

    2011-01-01

    Professional women with children are inundated with conflicting messages about how to manage their careers and personal lives and whether they should "opt in" or "opt out" of the workforce. Using in-depth interviews with 23 professional women, this study focused on the career choices that women make after having children. The authors found that…

  8. Traj_opt User's Guide

    NASA Technical Reports Server (NTRS)

    Saunders, David A.

    2005-01-01

    Trajectory optimization program Traj_opt was developed at Ames Research Center to help assess the potential benefits of ultrahigh temperature ceramic materials applied to reusable space vehicles with sharp noses and wing leading edges. Traj_opt loosely couples the Ames three-degrees-of-freedom trajectory package Traj (see NASA-TM-2004-212847) with the SNOPT optimization package (Stanford University Technical Report SOL 98-1). Traj_opt version January 22, 2003 is covered by this user guide. The program has been applied extensively to entry and ascent abort trajectory calculations for sharp and blunt crew transfer vehicles. The main optimization variables are control points for the angle of attack and bank angle time histories. No propulsion options are provided, but numerous objective functions may be specified and the nonlinear constraints implemented include a distributed surface heating constraint capability. Aero-capture calculations are also treated with an option to minimize orbital eccentricity at apoapsis. Traj_opt runs efficiently on a single processor, using forward or central differences for the gradient calculations. Results may be displayed conveniently with Gnuplot scripts. Control files recommended for five standard reentry and ascent abort trajectories are included along with detailed descriptions of the inputs and outputs.

  9. 18 CFR 250.16 - Format of compliance plan for transportation services and affiliate transactions.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... writing within 30 days to such complaints. (2) [Reserved] (c) Log of data used to allocate capacity. (1... maintain a log showing, for each transportation contract (both for marketing affiliates and non-affiliates... applicable dates or other information used to allocate capacity under its tariff. The log data relating to...

  10. Autonomy, moral constraints, and markets in kidneys.

    PubMed

    Kerstein, Samuel J

    2009-12-01

    This article concerns the morality of establishing regulated kidney markets in an effort to reduce the chronic shortage of kidneys for transplant. The article tries to rebut the view, recently defended by James Taylor, that if we hold autonomy to be intrinsically valuable, then we should be in favor of such markets. The article then argues that, under current conditions, the buying and selling of organs in regulated markets would sometimes violate two Kantian principles that are seen as moral constraints. One principle forbids expressing disrespect for the dignity of humanity; the other forbids treating others merely as means. In light of the moral danger posed by regulated markets, the article advocates an alternative way of diminishing the current organ shortage, namely opt-out systems of cadaveric organ donation.

  11. Private Colleges: Are They Pricing Themselves Out of the Market?

    ERIC Educational Resources Information Center

    Spies, Richard R.

    The question of whether private colleges are pricing themselves out of the market is considered. An analysis of the actual application patterns of a sample of high-ability students indicates that colleges and universities are not pricing themselves out of the market. Despite substantial increases in tuition and other fees over the last several…

  12. 40 CFR 74.12 - Opt-in permit contents.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 40 Protection of Environment 17 2013-07-01 2013-07-01 false Opt-in permit contents. 74.12 Section 74.12 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) SULFUR DIOXIDE OPT-INS Permitting Procedures § 74.12 Opt-in permit contents. (a) The opt-in permit shall be included in the Acid Rain permit. (b)...

  13. 40 CFR 97.84 - Opt-in process.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Opt-in process. 97.84 Section 97.84 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) FEDERAL NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS Individual Unit Opt-ins. § 97.84 Opt-in...

  14. 18 CFR 35.44 - Protections against affiliate cross-subsidization.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 18 Conservation of Power and Water Resources 1 2010-04-01 2010-04-01 false Protections against affiliate cross-subsidization. 35.44 Section 35.44 Conservation of Power and Water Resources FEDERAL ENERGY... electric energy may be made between a franchised public utility with captive customers and a market...

  15. Multiple Myeloma Symptoms

    MedlinePlus

    ... Printed Materials : To opt out of receiving printed marketing materials at your postal address, such as advertisements, ... address exactly as they appear on the printed marketing materials you received. Emails : To opt out of ...

  16. 40 CFR 74.14 - Opt-in permit process.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 40 Protection of Environment 16 2010-07-01 2010-07-01 false Opt-in permit process. 74.14 Section 74.14 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) SULFUR DIOXIDE OPT-INS Permitting Procedures § 74.14 Opt-in permit process. (a) Submission. The...

  17. Affiliate transactions and electric industry restructuring

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Zeigler, B.T.

    1995-10-01

    All society benefits when society`s economic resources are used more efficiently. The lesson of recent history is that market forces of risk and reward result in the most efficient use of those resources. Affiliate transaction rules that skew or blunt the market forces of risk and reward are antithetical to the goals motivating restructuring in the first place. This article is about affiliate transaction rules and why restructuring of the electric industry makes them very important. The reason for their importance lies in the relationship between regulatory and corporate restructuring. The most visible process underway today in the electric industrymore » is that of regulatory restructuring. In that process, regulators are redefining the industry`s natural monopoly functions more narrowlyy. Their intention is to limit regulation to those narrowly defined functions. The remaining functions they will then open to competition and market regulation. As a result of this process, what was once a single vertically integrated utility business will become a collection of regulated and unregulated businesses, each operating at a different level of the industry. It is only logical that these newley redefined businesses will require business cultures, compensation plans and capital structures that reflect the different rules under which they operate. Why restructure regulation at all unless restructuring will result in different - and more efficient - business behavior? For a host of reasons, it is very difficult to manage regulated and unregulated business as part of the same corporation. The most effective way to create separate business identities for these newly redefined businesses is to place them in separate corporations.« less

  18. SynGenics Optimization System (SynOptSys)

    NASA Technical Reports Server (NTRS)

    Ventresca, Carol; McMilan, Michelle L.; Globus, Stephanie

    2013-01-01

    The SynGenics Optimization System (SynOptSys) software application optimizes a product with respect to multiple, competing criteria using statistical Design of Experiments, Response-Surface Methodology, and the Desirability Optimization Methodology. The user is not required to be skilled in the underlying math; thus, SynOptSys can help designers and product developers overcome the barriers that prevent them from using powerful techniques to develop better pro ducts in a less costly manner. SynOpt-Sys is applicable to the design of any product or process with multiple criteria to meet, and at least two factors that influence achievement of those criteria. The user begins with a selected solution principle or system concept and a set of criteria that needs to be satisfied. The criteria may be expressed in terms of documented desirements or defined responses that the future system needs to achieve. Documented desirements can be imported into SynOptSys or created and documented directly within SynOptSys. Subsequent steps include identifying factors, specifying model order for each response, designing the experiment, running the experiment and gathering the data, analyzing the results, and determining the specifications for the optimized system. The user may also enter textual information as the project progresses. Data is easily edited within SynOptSys, and the software design enables full traceability within any step in the process, and facilitates reporting as needed. SynOptSys is unique in the way responses are defined and the nuances of the goodness associated with changes in response values for each of the responses of interest. The Desirability Optimization Methodology provides the basis of this novel feature. Moreover, this is a complete, guided design and optimization process tool with embedded math that can remain invisible to the user. It is not a standalone statistical program; it is a design and optimization system.

  19. 40 CFR 96.283 - Applying for CAIR opt-in permit.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... (CONTINUED) NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS FOR STATE IMPLEMENTATION PLANS CAIR SO2 Opt-in Units § 96.283 Applying for CAIR opt-in permit. (a) Applying for initial CAIR opt-in permit. The CAIR designated representative of a unit meeting the requirements for a CAIR SO2 opt-in unit...

  20. 40 CFR 96.85 - NOX Budget opt-in permit contents.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 40 Protection of Environment 20 2010-07-01 2010-07-01 false NOX Budget opt-in permit contents. 96... (CONTINUED) NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS FOR STATE IMPLEMENTATION PLANS Individual Unit Opt-ins § 96.85 NOX Budget opt-in permit contents. (a) Each NOX Budget opt-in permit...

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