Title 15, Commerce and TradeRelease 119-102
§1679j Relation to State Law
Title 15 › CHAPTER 41 — CONSUMER CREDIT PROTECTION › SUBCHAPTER II–A — CREDIT REPAIR ORGANIZATIONS › § 1679j
Summary
State laws still apply and people must follow them. A state law is not changed or canceled by these federal rules unless it conflicts with them. If there is a conflict, the federal rule wins, but only for the specific parts that conflict.
Full Legal Text
Title 15, §1679j
Commerce and Trade, Source: USLM XML via OLRC
This subchapter shall not annul, alter, affect, or exempt any person subject to the provisions of this subchapter from complying with any law of any State except to the extent that such law is inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency.
Legislative History
Notes & Related Subsidiaries
Statutory Notes and Related Subsidiaries
Effective Date
Section applicable after the end of the 6-month period beginning on Sept. 30, 1996, except with respect to contracts entered into by a credit repair organization before the end of such period, see section 413 of Pub. L. 90–321, as added by Pub. L. 104–208, set out as a note under section 1679 of this title.
Reference
Citations & Metadata
Citation
15 U.S.C. § 1679j
Title 15, Commerce and Trade
Last Updated
Aug 21, 2026
Release point: 119-102