Federal law limits your opt-out rights to specific categories of data sharing, but state laws — particularly in California — may give you additional rights to control how your financial information is used.
This analysis describes what Chime's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
If you live in California or another state with stronger privacy laws, you may have more control over your financial data than this notice's federal baseline suggests — but you need to proactively ask about those additional rights.
The updated notice states Chime no longer shares your personal information (such as transaction history and creditworthiness) with other financial companies for joint marketing purposes. This is a na…
California residents and consumers in states with stricter financial privacy laws may have additional opt-out or opt-in rights not fully described in this federal GLBA notice, meaning you should separately inquire about your state-specific rights to ensure you are exercising full control over your financial data.
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Changes to this Privacy Notice
If you are a California resident, you may have certain rights under the California Consumer Privacy Act (CCPA). These rights may include: the right to know about personal information collected, disclosed, or sold; the right to delete personal information collected from you; the right to opt-out of t...
Depending on where you live, you may have certain rights with respect to your personal information. These rights may include: The right to know what personal information we have collected about you, including the categories of personal information, the categories of sources from which we collected i...
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"Federal law gives you the right to limit only: sharing for affiliates' everyday business purposes — information about your creditworthiness; affiliates from using your information to market to you; sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing.— Excerpt from Chime's Chime Privacy Policy
1) REGULATORY FRAMEWORK: This provision references the GLBA limitation on federal preemption, acknowledging that state laws may provide additional consumer rights (15 U.S.C. §6807). California FIPA (Cal. Fin. Code §4050 et seq.) provides stronger protections than GLBA for California residents. Vermont, North Dakota, and other states have enacted additional financial privacy protections. The CFPB, OCC, and state banking regulators all have potential enforcement authority depending on jurisdiction. 2)
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If you live in California or another state with stronger privacy laws, you may have more control over your financial data than this notice's federal baseline suggests — but you need to proactively ask about those additional rights.
California residents and consumers in states with stricter financial privacy laws may have additional opt-out or opt-in rights not fully described in this federal GLBA notice, meaning you should separately inquire about your state-specific rights to ensure you are exercising full control over your financial data.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Chime.