North Dakota Code § 6-13-06

Waiver of privilege by financial institution - Grounds for determination of
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privilege - Civil, administrative, or criminal proceedings.
1. The self -critical analysis privilege does not apply to the extent that it is expressly 
waived by the financial institution that prepared or caused to be prepared the 
compliance self-critical analysis audit document.
2. In a civil or administrative proceeding, a court of record, after an in camera review, 
may require disclosure of material for which the privilege is asserted, if the court 
determines one of the following:
a. The privilege is asserted for a fraudulent purpose; or
b. The material is not subject to the privilege.
3. In a criminal proceeding, a court of record, after an in camera review, may require 
disclosure of material for which the privilege is asserted, if the court determines one of 
the following:
a. The privilege is asserted for a fraudulent purpose;
b. The material is not subject to the privilege; or

c. The material contains evidence relevant to commission of a criminal offense, and 
all three of the following factors are present:
(1) The commissioner, state's attorney, or attorney general has a compelling 
need for the information;
(2) The information is not otherwise available; and
(3) The commissioner, state's attorney, or attorney general is unable to obtain 
the substantial equivalent of the information by any other means without 
incurring prohibitive cost and delay.

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