Which Act prohibits the use of false pretenses to obtain personal financial information?

The Gramm-Leach-Bliley Act is the correct answer because it expressly addresses the protection of consumers' personal financial information. This legislation arose from concerns over the handling and safeguarding of sensitive financial data by financial institutions. It requires these institutions to inform customers about their information-sharing practices and to protect consumers' private financial data from being accessed through deceit or false representations, which includes using false pretenses to obtain this information.

This Act specifically contains provisions that prohibit companies from engaging in deceptive practices when collecting personal financial information, emphasizing the importance of transparency and consumer rights. It aims to maintain the confidentiality of financial records and to regulate how personal information is collected, shared, and protected.

In contrast, the other options pertain to different areas of regulation: the Telephone Records and Privacy Protection Act focuses on the privacy of telephone records, the Freedom of Information Act deals with public access to government documents, and the Online Impersonation Act addresses impersonation crimes online, none of which specifically tackle the issue of obtaining personal financial information through false pretenses.