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The correct answer is B. Any list, grouping of consumers, or other compilation of data that is derived using personally identifiable financial information that is not publicly available. Nonpublic personal information under Regulation P primarily concerns information that financial institutions collect about individuals in the course of providing financial products or services that is not publicly available. This includes any information that can be used to identify a consumer combined with financial data about them that isn't available publicly. Federal, state, and local government records (option C) are typically considered public information, not nonpublic personal information.
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