Title 15 — Commerce and TradeRelease 119-73

§6824 Relation to State laws

Title 15 › Chapter CHAPTER 94— - PRIVACY › Subchapter SUBCHAPTER II— - FRAUDULENT ACCESS TO FINANCIAL INFORMATION › § 6824

Last updated Apr 6, 2026|Official source

Summary

Federal rules here do not override state laws unless a state law actually conflicts with them. If there is a conflict, the federal rule only wins to the extent of the conflict. The Federal Trade Commission decides if a state law conflicts after talking with the agency that has jurisdiction under section 6822 about the person who filed the complaint or the person complained about. If a state law gives people more protection than the federal rule, it is not treated as a conflict.

Full Legal Text

Title 15, §6824

Commerce and Trade — Source: USLM XML via OLRC

(a)This subchapter shall not be construed as superseding, altering, or affecting the statutes, regulations, orders, or interpretations in effect in any State, except to the extent that such statutes, regulations, orders, or interpretations are inconsistent with the provisions of this subchapter, and then only to the extent of the inconsistency.

(b)For purposes of this section, a State statute, regulation, order, or interpretation is not inconsistent with the provisions of this subchapter if the protection such statute, regulation, order, or interpretation affords any person is greater than the protection provided under this subchapter as determined by the Federal Trade Commission, after consultation with the agency or authority with jurisdiction under section 6822 of this title of either the person that initiated the complaint or that is the subject of the complaint, on its own motion or upon the petition of any interested party.

Reference

Citations & Metadata

Citation

15 U.S.C. § 6824

Title 15 — Commerce and Trade

Last Updated

Apr 6, 2026

Release point: 119-73