I need some assistance with the following situation: A retail mortgage lender which is no longer part of our mortgage company split and formed their own company, which strictly does retail lending, so they are no longer affiliated with us. They began officially operating on their own effective January 1, 2004. Recently, one of their loan officers who's apparently new was calling from a list of customers who had refinanced their loan with our wholesale division about a year and a half ago. The downside is the person to whom she was soliciting to refinance a first trust deed loan was the President of our wholesale mortgage company who had done a employee loan with the company. Needless to say, the president was furious. My question is did the retail lender violate the G-L-B Privacy Policy, by using the list of customers who were our wholesale customers. According to the President, the loan officer replied that she was merely contacting former customers. FYI, our company has an opt out form on its Privacy Policy which enables the borrower/consumer to opt out of having their non-public personal information shared with non-affiliated third parties. Appreciate any assistance provided on this issue.