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Montana Enacts Comprehensive Consumer Data Privacy Law

The State Capitol building in Helena, Montana, USAMontana Gov. Greg Gianforte on May 19 signed into law Senate Bill 384, the Montana Consumer Data Privacy Act, making Montana the ninth state to enact a comprehensive consumer data privacy law, following California, Virginia, Colorado, Utah, Connecticut, Iowa, Indiana, and Tennessee. The law will take effect Oct. 1, 2024.


The law applies to persons that conduct business in Montana or persons that produce products or services that are targeted to residents of Montana and:

  1. control or process the personal data of not less than 50,000 consumers, excluding personal data controlled or processed solely for the purpose of completing a payment transaction; or
  2. control or process the personal data of not less than 25,000 consumers and derive more than 25% of gross revenue from the sale of personal data.

Importantly, the law exempts financial institutions and affiliates, or personal data subject to the Gramm-Leach-Bliley Act. Other exemptions include covered entities or business associates governed by the Health Insurance Portability and Accountability Act, and the use of personal information to the extent the activity is regulated by and authorized under the Fair Credit Reporting Act.


Consumers are provided the right to:

  1. confirm whether a controller is processing the consumer’s personal data and to access the personal data;
  2. correct inaccuracies in the consumer’s personal data;
  3. delete personal data about the consumer;
  4. obtain a copy of the consumer’s personal data previously provided by the consumer;
  5. opt out of the processing of personal data if the purpose is for targeted advertising, sale of the personal data, or profiling in furtherance of solely automated decisions that produce legal or similarly significant effects concerning the consumer.

A controller may not process “sensitive data” without a consumer’s consent.

“Sensitive data” includes:

  1. data revealing racial or ethnic origin, religious beliefs, a mental or physical health condition or diagnosis, information about a person’s sex life, sexual orientation, or citizenship or immigration status;
  2. the processing of genetic or biometric data for the purpose of uniquely identifying an individual;
  3. personal data collected from a known child; or
  4. precise geolocation data.

A contract between a controller and a processor must include certain provisions to:

  1. ensure that each person processing personal data is subject to a duty of confidentiality with respect to the personal data;
  2. at the controller’s direction, delete or return all personal data to the controller as requested;
  3. on the reasonable request of the controller, make available to the controller all information in the processor’s possession necessary to demonstrate the processor’s compliance;
  4. engage any subcontractor pursuant to a written contract that requires the subcontractor to meet the obligations of the processor with respect to the personal data; and
  5. allow and cooperate with reasonable assessments by the controller or the controller’s designated assessor.

A controller must conduct and document a data protection assessment if the processing involves:

  1. targeted advertising;
  2. the sale of personal data;
  3. certain profiling;
  4. sensitive data.

The Attorney General has the exclusive authority to enforce the law. Prior to taking any action, the Attorney General must provide a controller or processor 60 days to cure the violation. In the absence of a cure, civil penalties not to exceed $7,500 may be sought for each violation. The cure provision expires April 1, 2026.


The Montana law is very similar to the non-California data privacy laws recently enacted, so it should cause few additional compliance challenges.

For a chart comparing the state comprehensive data privacy acts, and more information and insight from Maurice Wutscher on data privacy and security laws and legislation, click here.

Photo: Chuck Haney/Danita Delimont/

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Eric Rosenkoetter is a principal at Maurice Wutscher LLP, where he provides counsel to businesses and consumer financial services firms nationwide. For many years, he has focused his practice on various aspects of financial services law. As a litigation attorney, he has conducted every aspect of the litigation process, including countless depositions, motion proceedings, bench and jury trials, and appeals in various courts. In addition, he has significant experience as a compliance and transactional attorney, providing strategic, business growth, legislative, compliance and regulatory advice to national corporations and trade associations. For example, he has drafted consumer contracts and disclosures designed to state-specific statutory requirements, and developed “Best Practices” guides and state-by-state compliance grids, for national financial services companies. He also conducted research and crafted a metrics report for a national trade association with analysis designed to counter the claims of advocacy groups. Eric’s experience also includes working for a national corporation as Executive Counsel, Chief Compliance and Ethics Officer, and Director of Legislative Affairs, and as a federal lobbyist and Director of Government and Public Affairs for a national financial services trade association. In the government sector, Eric presided over approximately 6,000 state administrative hearings, served as a staff attorney for the Missouri Senate, and handled litigation in 33 counties as a regional managing attorney. Eric frequently speaks to audiences on topics relevant to the financial services industry including regulatory compliance, data privacy law and related advocacy initiatives. For more information, see

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