PlainBillCongress, translated.Legislation. Context. Public interest.Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Congressional Research Service
Version 00 · Introduced in House · Dec 8, 2003
Privacy Protection Act of 2003 - Amends the Gramm-Leach-Bliley Act regarding mandatory Federal standards for financial institutions with respect to privacy and confidentiality of customers' nonpublic personal information, including information sharing among financial affiliates. Exempts from the Act's requirements and prohibitions (by excluding from its definition of "financial institution") any provider of financial services (or affiliate) subject to regulation of client confidentiality that prohibits unauthorized disclosure of confidential client information without the client's consent in the form of laws, rules, or regulation of professional conduct or ethics promulgated by the highest appellate court authority, or by the principal legislative or regulatory body of a State or territory of the United States, or by Federal law.
People & committees
Rep. Kennedy, Mark R. [R-MN-6] · R–MN
Legislative record
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Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Primary sources
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Source last updated: Aug 18, 2025. Consult Congress.gov for the current record.
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Analyze H.R.3681 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.
Examine H.R.3681 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.
Examine H.R.3681 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.
Examine H.R.3681 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.