What type of notice must be provided to a consumer before disclosing nonpublic personal financial information?

The requirement for a clear and conspicuous revised notice stems from regulations designed to protect consumers' nonpublic personal financial information. Under such regulations, entities must provide consumers with a notice that is easily understandable and stands out from other communications, ensuring that individuals are fully aware of how their personal financial data might be used and shared. This type of notice gives consumers an opportunity to make informed decisions about their information privacy.

A clear and conspicuous notice is crucial because it emphasizes transparency and the necessity for consumers to understand their rights regarding their financial information. This approach aligns with privacy laws that mandate strict guidelines on how consumer data should be handled, fostering trust between consumers and financial institutions.

In contrast, the other options do not meet the necessary standards for notifying consumers. A general disclaimer notice may lack the specificity needed to inform consumers adequately. A pre-recorded telephone notice might not reach all consumers in a timely manner or might be overlooked. An informal email notice does not guarantee clarity or prominence, which are essential for consumer understanding. Therefore, the emphasis on a clear and conspicuous revised notice serves to enhance consumer protection in financial transactions.