Title V of the Graam-Leach-Blilely Act of 1999 addresses financial institution privacy from two different perspectives. Subtitle A requires financial institutions to make certain disclosures regarding their privacy policies and to give certain individuals the opportunity to prevent the institution from releasing information about them to third parties. Subtitle B criminalizes the practice used by certain data collection services and other parties of obtaining personal financial information from financial institutions by misrepresenting their right to such information.