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To: Chief Executive Officers and Compliance Officers of All National Banks, Department and Division Heads, and All Examining Personnel

Description: Children's Online Privacy Protection Act

The Federal Trade Commission published a final rule to implement the Children’s Online Privacy Protection Act of 1998 (COPPA) in the Federal Register on November 3, 1999.  The COPPA, which is effective April 21, 2000, prohibits unfair or deceptive acts or practices in connection with the collection, use/or disclosure of personal information from and about children on the Internet.  The COPPA and the final rule apply to national banks.  In addition, section 1306 of the COPPA gives the OCC enforcement responsibility.  Examination procedures, currently being developed, will provide further guidance.

For more information, contact your supervisory office or the Community and Consumer Policy Department at (202) 649-5470.


Ralph E. Sharpe
Deputy Comptroller
Community and Consumer Policy

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