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Massachusetts Credit Card Privacy Laws and You (Part B)

Opting Out for Your Privacy Protection

Just because you can't completely stop a credit card company from sharing your personal financial information may not mean that you don't have any options. When you receive privacy notices, read them over to see whether you have the choice to opt out, or restrict the company from sharing your personal information. While you may or may not have options, you won't know unless you read the privacy notices of all of your cards.

If, after reading your privacy notices, you find that you can opt out, follow the instructions exactly as provided by the credit card company. If you receive privacy notices when you sign on with a new credit card company and can opt out, you must do so during a "reasonable" time period - usually within about 30 days. If you don't opt out the first time, you can always opt out later. However, opting out isn't retroactive. You won't be able to do anything about any of your personal financial information that has already been shared.

If you are truly concerned about privacy protection, use a credit card company's privacy practices as part of your decision-making process when choosing a credit card.

Financial Companies and Privacy Notices

Be aware that it is not just credit card companies that can share your personal financial information.

Financial institutions that can share personal financial information include:

• Insurance companies
• Banks
• Credit unions
• Payday lenders
• Automobile dealerships that offer loans or leasing options
• Mortgage brokers
• Companies that sell money orders
• Brokerage firms

These companies must also send you privacy notices annually.

Massachusetts Class Action Lawsuit and Credit Card Privacy

Rest assured, if your credit card privacy has been violated, other people's consumer rights have likely been exploited in the same manner. A Massachusetts class action may be able to force companies to reexamine their privacy policies in order to uphold consumer rights.

Don't delay! The qualified attorneys at Phillips & Garcia will fight for your rights in a Massachusetts class action lawsuit. We are committed to protecting your consumer rights and helping you collect the damages you deserve. If your credit card privacy has been violated, contact Phillips & Garcia today to schedule your FREE legal consultation - (877) 892-5620

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