* If the bank is required by law to make a disclosure; e.g. file 1099INTs or CTRs, obviously the RFPA does not prevent that disclosure.
* The Internal Revenue Code has protections for taxpayer disclosures that are similar to those in the RFPA so the RFPA simply does not apply to IRS requests for customer information.
In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.