Which of the following statements concerning access to nonpublic records is FALSE?

When civil litigation has commenced, a party often may obtain a subpoena or legal order for an individual's relevant bank records.

A fraud examiner can request a business's bank records even if the business is not legally obligated to comply.

An audit clause can be designed to allow a party to inspect the books of a business partner or vendor.

During the government's criminal investigation, a fraud examiner not employed by the government has a right to access relevant documents that the government has obtained.