The Art of Islamic Banking and Finance: Tools and Techniques for Community-Based Banking

Regulation Z: Truth in Lending Act
This regulation is one of the most important consumer protection regula-
tions in the United States, as well as to RF (Islamic) bankers around the

We will not use or share—internally or externally—personally

identifiable medical information for any purpose other than the

underwriting or administrationof a customer’s account, or as dis-

closed to the customer when the information is collected, or to which

the customer consents.

We will attempt to keep customer files complete, up to date, and

accurate. We will notify our customers on how and where to conve-

niently access their account information (except when we are prohib-

ited to do so by law) and how to notify us about errors, which we will

promptly correct.

THECONFIDENTIALITY,SECURITY,ANDINTEGRITY OFYOURNONPUBLIC

PERSONALINFORMATION

We restrict access to nonpublic personal information about you to

only those employees who need to know the information to provide

products or services to you. We maintain physical, electronic, and

procedural safeguards that comply with federal standards to guard

your nonpublic personal information.

THENONPUBLICPERSONALINFORMATION THATWECOLLECT

We collect nonpublic personal information about you from the fol-

lowing sources:

&Information we receive from you on applications or other forms

&Information about your transactions with us

&Information about your transactions with nonaffiliated third

parties

&Information we receive from a consumer reporting agency

THENONPUBLICPERSONALINFORMATION THATWEDISCLOSE

We do not disclose, nor do we reserve the right to disclose, any non-

public personal information about our customers or former customers

to anyone, except as permitted by law.

178 THE ART OF ISLAMIC BANKING AND FINANCE