WASHINGTON - The Office of the Comptroller of the Currency has compiled a reference guide to the privacy rules mandated by the Gramm-Leach-Bliley and the Fair Credit Reporting acts.

The guide highlights key differences between the two laws.

"These are important laws for banks and other financial companies to comply with, and they can be pretty complicated," said Julie Williams, the agency's chief counsel. "We created a summary to hit the key points, and explain how these two laws intersect."

The guide is available at the agency's Web site, www.occ.treas.gov. The Gramm-Leach-Bliley requirements take effect Nov. 13, but compliance is not mandatory until July 1.

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