the financial services fact book 2007 89 summaries appendices summary of gramm leach bliley modernization act 1999 titles provisions title i affiliations among banks securities firms and insurance companies allows other engaged in to affiliate under a holding company fhc structure ii functional regulation specifies that all activities will be functionally regulated by relevant regulatory body banking federal reserve exchange commission state regulators iii covers redomestication mutual insurers national association registered agents brokers rental car agency confidentiality iv unitary thrift prohibits savings loan from engaging nonfinancial or affiliating with entities v privacy requires institutions disclose customers their policy for nonpublic information vi home bank fhlb system establishes new capital fhlbs increases access funds smaller member discusses changes vii addresses atm fee reform community reinvestment improvements source