Customer must authorized access to the customer's records in a written statement as set forth in the act.

Financial records are disclosed in response to an administrative subpoena. The customer must be mailed a copy of the subpoena, customer has the right, within 10 days of receiving the notice, of filing a motion to prevent disclosure.

Financial records are disclosed in response to a search warrant.

Financial records are disclosed in response to a judicial subpoena. A copy of the subpoena must have been served on the customer on or before the date on which the financial institution was served.

In the absence of a subpoena, financial records are disclosed in response to a formal written request which must meet guidelines set forth in the act. A government agency may gain access to a consumer's financial records without notice to the consumer if the agency is investigating the financial institution, not the consumer.