; (2) in subsection (a)— (A) by inserting before disclose the following: collect nonpublic personal information from an individual with whom such financial institution has a customer or consumer relationship or ; and (B) by striking has provided to the consumer and inserting has provided to such individual ; and (3) in subsection (b), by amending paragraph (1) to read as follows: (1) In general A financial institution may not collect nonpublic personal information from an individual with whom such financial institution has a customer or consumer relationship or disclose nonpublic personal information to a nonaffiliated third party unless the individual with whom such financial institution has a consumer or customer relationship is given the opportunity, before the time that such information is initially collected or disclosed, to direct that such information not be collected or disclosed to such third party. ; (4) in subsection (d)— (A) by striking of a consumer and inserting of an individual with whom such financial institution has a customer or consumer relationship ; and (B) by striking telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer and inserting marketing to the individual with whom such financial institution has a customer or consumer relationship, regardless of medium ; (5) in subsection (e)— (A) by striking (e) General Exceptions.— and all that follows through the end of paragraph (2) and inserting the following: (e) Exceptions The general collection and disclosure procedures provided in subsections (a) and (b) shall not prohibit or otherwise limit the collection or disclosure of nonpublic personal information— (1) if the collection or disclosure is— (A) necessary to effect, administer, or enforce a transaction requested or authorized by the individual with whom the financial institution has a customer or consumer relationship