Federal banking regulators last week issued further guidance on complying with complex consumer privacy requirements under the Gramm-Leach-Bliley Act. The guidance, in the format of "frequently asked questions," is aimed at helping mortgage lenders and other providers of financial services navigate the still uncertain federal privacy rules. Topics covered include which entities are covered by privacy rules, when institutions must deliver privacy and opt-out notices and the exception for disclosures under a joint marketing arrangement