PNC (PNC Financial Services Group, Inc., NYSE: PNC), through its principal subsidiary PNC Bank, N.A., is a large U.S. regional bank offering consumer banking and its PNC Mobile app. Its GLBA notice discloses sharing for everyday business, marketing, joint marketing and affiliate purposes but states PNC does not share with non-affiliates so they can market to customers, and that sharing continues after the customer relationship ends. Its online privacy policy discloses first- and third-party-vendor cookies and click-stream tools used for Web analytics and to personalize content and advertising, and self-declares a CCPA sale/share opt-out with GPC support; the PNC Mobile App Store label independently confirms an identity-linked 'Developer's Advertising or Marketing' data category. Ownership is fully traceable through SEC filings: PNC is a Federal Reserve-supervised bank holding company whose bank subsidiary, PNC Bank, N.A., is OCC/FDIC/CFPB-regulated. Track record: no institutional consent order or large breach was found in the sources checked; the only regulator artifact located is a January 2025 OCC Order of Prohibition against a former PNC customer-service employee for providing confidential customer information to an outside third party, resulting in customer fraud and a bank loss.
TRACK RECORD
1 ENFORCEMENT ACTION
[2025-01-16]
The OCC's News Release 2025-5 (January 16, 2025) discloses an Order of Prohibition against Nakyra Singletary, a former Customer Service and Support Representative at PNC Bank, N.A., for providing confidential bank customer information to a third party not employed by the bank, resulting in misuse of customer information, fraud against bank customers, and a loss of at least $47,000 to the bank.
PNC's online privacy policy states PNC collects personal information you provide directly (e.g., when you log in, complete applications, or use products/services), and separately obtains personal information from third parties such as credit bureaus 'to tailor your online experience.'
The PNC Mobile app's App Store privacy label (self-reported by PNC Bank, N.A.) discloses data linked to the user's identity — including Identifiers, User ID, Device ID, and Usage/Product Interaction data — used across App Functionality, Analytics, Product Personalization, and Developer's Advertising or Marketing purposes.
PNC Financial Services Group, Inc.'s Annual Report on Form 10-K for fiscal year 2025 (filed with the SEC on February 20, 2026) discloses that PNC is a bank holding company subject to comprehensive consolidated Federal Reserve supervision, and that its bank subsidiary, PNC Bank, N.A., is supervised and regulated primarily by the OCC and, for certain matters, by the FDIC and the CFPB.
PNC's GLBA U.S. consumer privacy notice states federal law lets customers limit only sharing for affiliates' creditworthiness purposes, affiliates marketing to them, and non-affiliates marketing to them, and that 'PNC does not share with non-affiliates so they can market to you'; the notice also states sharing continues after the customer relationship ends.
PNC's online privacy policy self-declares a CCPA 'sale and sharing' opt-out: California residents can submit a request to opt out of 'sales and sharing' as defined by CCPA via a Do Not Sell or Share My Personal Information link, and the site states it honors Global Privacy Control (GPC) browser signals as an opt-out of sales/sharing via cookies and tracking tools.
The OCC's News Release 2025-5 (January 16, 2025) discloses an Order of Prohibition against Nakyra Singletary, a former Customer Service and Support Representative at PNC Bank, N.A., for providing confidential bank customer information to a third party not employed by the bank, resulting in misuse of customer information, fraud against bank customers, and a loss of at least $47,000 to the bank.
The PNC Mobile App Store privacy label discloses a distinct 'Developer's Advertising or Marketing' purpose using Identifiers, User ID, Usage Data, and Product Interaction data linked to the user's identity, separate from the app's Analytics and App Functionality purposes.
PNC's online privacy policy states PNC uses tools, some hosted or provided by third-party vendors, such as cookies and click-stream auditing, to gather information for internal uses including Web analytics and to personalize content and advertising.