(a) General rule. Except as otherwise authorized in this subpart, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under § 248.4, unless:

1. (1) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices;
2. (2) You have provided to the consumer a new opt out notice;
3. (3) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and
4. (4) The consumer does not opt out.

(b) Examples.

1. (1) Except as otherwise permitted by §§ 248.13, 248.14, and 248.15, you must provide a revised notice before you:

   1. (i) Disclose a new category of nonpublic personal information to any nonaffiliated third party;
   2. (ii) Disclose nonpublic personal information to a new category of nonaffiliated third party; or
   3. (iii) Disclose nonpublic personal information about a former customer to a nonaffiliated third party, if that former customer has not had the opportunity to exercise an opt out right regarding that disclosure.
2. (2) A revised notice is not required if you disclose nonpublic personal information to a new nonaffiliated third party that you adequately described in your prior notice.