Mortgage Loan Originator Licensing Practice Test 2025 – Complete Exam Prep

Nonpublic personal information refers to sensitive data that is not publicly accessible and is generally kept private to protect the individual's privacy. In this context, account balance and history are classified as nonpublic personal information because they reveal specific details about a person's financial situation that are not available to the public. This information is often protected under regulations such as the Gramm-Leach-Bliley Act, which requires financial institutions to safeguard consumers' personal data.

While employment status and loan application details may also be considered sensitive, they do not fit as directly into the definition of nonpublic personal information in the same way account balances do. Public real estate value is accessible information, making it distinctly not nonpublic. Therefore, account balance and history best exemplify the kind of information that is protected and considered nonpublic.