Under the GLBA, which of the following is NOT a permissible sharing agreement?

Under the Gramm-Leach-Bliley Act (GLBA), sharing information for certain purposes is permissible, but specific conditions apply regarding customer consent. The option concerning affiliate marketing without customer consent is not a permissible sharing agreement because GLBA regulations require financial institutions to provide consumers with the opportunity to opt-out of such sharing practices if it involves their personal information being shared with non-affiliated third parties for marketing purposes.

In contrast, the other options align with permissible sharing agreements under GLBA provisions. Processing consumer-authorized transactions, facilitating business compliance with legal requirements, and sharing account information to service a joint account are all activities that can be conducted without consumer opt-out, as they pertain to operational necessities that do not violate privacy rights under the act. These practices are considered essential for providing the services that consumers typically expect from financial institutions.