Right to Financial Privacy Act 1978: Federal law that protects the confidentiality of personal financial records and establishes procedures for government access to financial records. Requires customer authorization for information disclosure.

Bank Secrecy Act (BSA): Requires financial institutions to maintain specific records, establishes customer identification requirements, and governs how banks handle information requests.

Gramm-Leach-Bliley Act (GLBA): Governs privacy and security of customer financial information, requires financial institutions to explain their information-sharing practices, and provides customers with opt-out rights for certain information sharing.

Fair Credit Reporting Act (FCRA): Regulates the collection and use of consumer information, provides consumers rights to access their financial information, and establishes requirements for identity verification.

Electronic Fund Transfer Act: Governs electronic banking services and statements, establishing consumer rights and protections for electronic banking transactions and communications.

State-Specific Privacy Laws: Various state-level privacy requirements that may affect request formatting, require specific disclosures, or mandate particular authorization procedures for accessing financial information.