### Question
How is the "joint agreement" defined?


### Answer
The term **joint agreement** is defined in *15 U.S.C. § 6809* as follows -

> a formal written contract pursuant to which two or more financial institutions jointly offer, endorse, or sponsor a financial product or service, and as may be further defined in the regulations prescribed under section 6804 of this title

#### Citation:
  - *15 U.S.C. § 6809*
  - Heading: **CHAPTER 94-PRIVACY > SUBCHAPTER I-DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION**

