Requires financial institutions to release records to adult protective services when suspecting fraud of vulnerable adult or senior customer; allows adult protective service to release same records to law enforcement agency if necessary.

This bill requires financial institutions to share customer account records with county adult protective services when they suspect fraud targeting vulnerable adults or seniors. It specifically applies to customers aged 60+ (seniors) or those with physical/mental conditions affecting financial decision-making (vulnerable adults). Under the bill, institutions must release records upon suspicion of fraud involving these customers, and adult protective services may then share the same records with law enforcement if necessary. This changes current law, which only permitted voluntary sharing, by making disclosure mandatory for these specific cases.