Can ABC Financial disclose a customer's personal information without an opt-out notice in response to a legal subpoena?

The correct answer is that ABC Financial can disclose a customer's personal information without an opt-out notice in response to a legal subpoena because such disclosure is permitted under the Gramm-Leach-Bliley Act (GLBA) and other applicable laws.

When a subpoena is issued, it is a legal mandate that requires the financial institution to provide the requested information. The GLBA contains provisions that allow for the disclosure of personal information without prior notice to the customer in cases where the law requires such action. Legal compliance takes precedence over the usual opt-out requirements that are designed to protect customer privacy in ordinary circumstances.

This allows financial institutions to cooperate with law enforcement or legal inquiries without the delay of notifying customers, which could impede legal processes or investigations. Therefore, it's crucial for organizations to recognize that certain legal obligations can necessitate the sharing of personal data without the usual privacy protocols.