Which of these arrangements allows for sharing information without an opt-out?

The arrangement that enables sharing information without requiring an opt-out is related to processing consumer-authorized transactions. When a consumer has explicitly authorized a transaction, such as making a purchase or signing a contract, the sharing of information pertinent to that transaction is generally considered necessary for fulfilling the transaction. This type of data sharing is based on the consumer's consent and is typically not subject to the same opt-out requirements that may apply to other forms of data sharing, such as marketing or promotional communications.

In contrast, marketing to affiliates, sharing for promotional purposes, and disclosing creditworthiness often involve additional privacy considerations, including potential opt-out provisions. These types of sharing may not fall under the same permissible use framework as transactions that the consumer has initiated or authorized directly, which is why the correct answer highlights the specific context of consumer-authorized transactions.