* 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.
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In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.