Web sites have privacy policies that meet the Federal Trade Commission's five principles of fair information practice, according to a study released Tuesday by the four bank and thrift regulatory agencies.

The "Interagency Financial Institution Web Site Privacy Survey Report" also found that 100% of those banks collect some personal information from users, ranging from e-mail addresses to credit card and Social Security numbers, but only half allow users to bar the sharing of that information with the banks' affiliates or other third parties.

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