ABC Bank can send John an unsolicited marketing email about other products and services if the bank:

• A. Sends him the email within 12 months of him opting in.
• B. First reconfirms in writing with him that he is happy to continue receiving marketing emails at this address.
• C. Did not send him a previous marketing email to this address within the last 12 months.
• D. Has verified that the email is directly relevant to his current financial circumstances.

Answer: (A)

Consent to receive marketing communications works on a time-limited window. Once John opts in to receive marketing emails, the bank may send marketing messages about other products and services for up to 12 months from that opt-in date. Within that 12-month period, sending an unsolicited marketing email is permitted because the recipient’s consent is still active. After the 12-month period, the bank would typically need fresh consent or another form of consent to continue marketing to that address.

The other options don’t fit this framework. Reconfirming consent in writing isn’t a prerequisite to send within the 12-month window, since the initial opt-in already covers that period. Whether a previous marketing email was sent within the last year doesn’t determine eligibility—the allowance is tied to the time since opt-in, not to past mailings. And requiring the email to be directly relevant to John’s current financial circumstances is not the rule governing consent for general marketing communications.