However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. Daily interactions including but not limited to bank personnel, insurance agents, attorneys, abstractors, title companies, brokerage firms, other financial institutions, federal, state and local regulators, as well as customers for information needed to have the loan documented properly.