金融服务法现代化法案
《金融服务法现代化法案》（Financial Services Modernization Act of 1999），规定金融机构确保客户数据安全保密，规定数据必须保存在隐蔽的媒介中，必须采取特定的安全措施来保护数据存储及传输安全。
随着美国金融业的发展和扩张，1933年的《格拉斯-斯蒂格尔法案》已经成为发展的障碍。商业银行不满足于低利润的银行零售业，开始向投资银行渗透，很多商业银行都有变相的投资银行部门。1999年，由克林顿政府提交监管改革绿皮书(Green Book)，并经美国国会通过，形成了《金融服务现代化法案》(Financial Services Modernization Act) ，亦称《格雷姆-里奇-比利雷法案》 (Gramm-Leach-Bliley Act)。
《金融服务现代化法案》废除了1933年制定的《格拉斯-斯蒂格尔法案》有关条款，从法律上消除了银行、证券、保险机构在业务范围上的边界，结束了美国长达66年之久的金融分业经营的历史。其结果是商业银行开始同时大规模从事投资银行的活动，如花旗集团（Citigroup）和摩根大通（JP Morgan）。
參考資料
- Kenneth C.Laudon and Jane P.Laudon, 《Management Information Systems》, Pearson, 07 March 2011, Chapter8 Information systems Organizations and Strategy p.206
延伸阅读
- Allen, Larry. 2nd. Santa Barbara, CA: ABC-CLIO. 2009: 141–142. ISBN 978-1598842517.
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