An "opt-out" is best defined as:

• A. The consumer to specify which information is shared with each lender
• B. The consumer to request that information not be shared with affiliates
• C. The consumer to delete their credit history
• D. The consumer to consent to all data sharing

Answer: (B)

Opt-out in consumer privacy rules means you can request that your nonpublic personal information not be shared with others, including affiliates. This is a consumer right under GLBA/FACT Act privacy requirements, letting you limit how your data is shared for marketing or other purposes.

Why this fits best: choosing not to have information shared with affiliates is exactly what “opt-out” describes—you are opting out of data sharing. The other options describe different ideas that aren’t about forbidding sharing: selecting which information to share with a lender is about choosing what could be shared, not opting out of sharing altogether; deleting credit history isn’t permitted by law; and giving blanket consent to all data sharing is the opposite of opting out.