The Gramm Leach Bliley Act (GLBA) of 1999 (Pub. L 106-102, 113 Stat.1338) has two parts.

The first allows for the consolidation/merger of financial institutions such as banks, insurance companies and investment/security firms.

The second regulates the use, disclosure (sharing) and security of the massive amounts of personal information (which includes health records)

The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, (Public Law 111-203), contains a “sweeping series of core provisions” to reform federal oversight of the financial services industry. The Act includes amendments to exiting consumer protection, banking, derivatives and securities industries.

Dodd-Frank was not written with the healthcare sector in mind and