CCPA
California regulation granting residents control over personal data
GLBA
US law for financial privacy notices and data safeguards
Quick Verdict
CCPA grants California consumers rights to know, delete, and opt-out of personal data sales, while GLBA mandates financial institutions protect nonpublic financial information via notices and security programs. Companies adopt CCPA for broad compliance and GLBA for sector-specific privacy and safeguards.
CCPA
California Consumer Privacy Act (CCPA)
Key Features
- Grants consumers rights to know, delete, opt-out of sales/sharing
- Applies extraterritorially to businesses meeting revenue/data thresholds
- Private right of action for unencrypted data breaches
- Mandates honoring Global Privacy Control opt-out signals
- Requires notices at collection and detailed privacy policies
GLBA
Gramm-Leach-Bliley Act (GLBA)
Key Features
- Requires privacy notices and opt-out for NPI sharing
- Mandates written information security program with safeguards
- Designates Qualified Individual for program oversight
- Imposes 30-day breach notification for 500+ consumers
- Enforces service provider security oversight requirements
Detailed Analysis
A comprehensive look at the specific requirements, scope, and impact of each standard.
CCPA Details
What It Is
The California Consumer Privacy Act (CCPA), amended by the California Privacy Rights Act (CPRA), is a comprehensive state regulation establishing consumer privacy rights for California residents. It applies to for-profit businesses meeting thresholds like $25M revenue or handling 100K+ consumers' data, employing a rights-based approach focused on transparency and control over personal information.
Key Components
- **Consumer rightsknow/access, delete, opt-out of sales/sharing, correct inaccuracies, limit sensitive data use
- Business duties: notices at collection, privacy policies, data mapping, vendor contracts, reasonable security
- Enforcement via CPPA fines ($2,500-$7,500 per violation) and private breach actions
- Honors Global Privacy Control (GPC) signals
Why Organizations Use It
- Mitigates regulatory fines, litigation, reputational risks
- Enhances data governance, efficiency, consumer trust
- Provides competitive edge, market differentiation
- Aligns with emerging U.S. privacy laws for scalability
Implementation Overview
Phased framework: scoping/gap analysis (0-3 months), policies/contracts (1-4 months), technical controls (2-6 months), operationalization/training, ongoing audits. Targets data-heavy industries globally if serving CA; no formal certification but requires demonstrable compliance.
GLBA Details
What It Is
The Gramm-Leach-Bliley Act (GLBA), enacted in 1999, is a US federal law establishing privacy and security standards for financial institutions handling nonpublic personal information (NPI). Its primary purpose is protecting consumer financial data through transparency and safeguards, using a risk-based approach via the Privacy Rule and Safeguards Rule.
Key Components
- **Privacy Rule (16 C.F.R. Part 313)Requires initial/annual notices and opt-out rights for nonaffiliated third-party sharing.
- **Safeguards Rule (16 C.F.R. Part 314)Mandates a written information security program with administrative, technical, and physical safeguards.
- **Pretexting provisionsProhibits obtaining NPI under false pretenses. Built on risk assessment; no formal certification, but FTC enforcement applies.
Why Organizations Use It
- Mandatory compliance for financial institutions to avoid penalties up to $100,000 per violation.
- Enhances risk management, customer trust, and operational resilience.
- Provides competitive edge via demonstrable data protection.
Implementation Overview
Phased approach: scoping, risk assessment, policy development, technical controls, vendor oversight, training, and testing. Applies to broad financial entities (banks, fintech, tax firms); FTC audits focus on evidence of ongoing programs. (178 words)
Key Differences
| Aspect | CCPA | GLBA |
|---|---|---|
| Scope | Consumer rights over personal information | Financial institutions' privacy and security of NPI |
| Industry | All businesses meeting CA thresholds, global reach | Financial institutions, broad non-bank inclusion, US |
| Nature | Mandatory state regulation with fines and private actions | Mandatory federal statute enforced by FTC and agencies |
| Testing | Reasonable security audits, no mandated frequency | Annual risk assessments, pen tests, vulnerability scans |
| Penalties | $2,500-$7,500 per violation, private breach actions | Up to $100,000 per violation, civil and criminal penalties |
Scope
Industry
Nature
Testing
Penalties
Frequently Asked Questions
Common questions about CCPA and GLBA
CCPA FAQ
GLBA FAQ
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