Title 15, Commerce and TradeRelease 119-102
§1692n Relation to State Laws
Title 15 › CHAPTER 41 — CONSUMER CREDIT PROTECTION › SUBCHAPTER V — DEBT COLLECTION PRACTICES › § 1692n
Summary
Federal debt-collection law does not cancel or change state laws about collecting debts. If a state law conflicts with the federal rule, the federal rule only wins for the part that conflicts, and any state law that gives consumers more protection still applies.
Full Legal Text
Title 15, §1692n
Commerce and Trade, Source: USLM XML via OLRC
This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter.
Legislative History
Notes & Related Subsidiaries
Statutory Notes and Related Subsidiaries
Effective Date
Section effective upon the expiration of six months after Sept. 20, 1977, see section 819 of Pub. L. 90–321, as added by Pub. L. 95–109, set out as a note under section 1692 of this title.
Reference
Citations & Metadata
Citation
15 U.S.C. § 1692n
Title 15, Commerce and Trade
Last Updated
Aug 21, 2026
Release point: 119-102