Title 15, Commerce and TradeRelease 119-102
§1692o Exemption for State Regulation
Title 15 › CHAPTER 41 — CONSUMER CREDIT PROTECTION › SUBCHAPTER V — DEBT COLLECTION PRACTICES › § 1692o
Summary
The Bureau must make a rule that lets a group of debt-collection practices in a state not have to follow the federal debt-collection rules if the state's laws already have mostly the same requirements and there are proper ways to enforce those state rules.
Full Legal Text
Title 15, §1692o
Commerce and Trade, Source: USLM XML via OLRC
The Bureau shall by regulation exempt from the requirements of this subchapter any class of debt collection practices within any State if the Bureau determines that under the law of that State that class of debt collection practices is subject to requirements substantially similar to those imposed by this subchapter, and that there is adequate provision for enforcement.
Legislative History
Notes & Related Subsidiaries
Editorial Notes
Amendments
2010—Pub. L. 111–203 substituted “Bureau” for “Commission” in two places.
Statutory Notes and Related Subsidiaries
Effective Date
of 2010 AmendmentAmendment by Pub. L. 111–203 effective on the designated transfer date, see section 1100H of Pub. L. 111–203, set out as a note under section 552a of Title 5, Government Organization and Employees.
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. § 1692o
Title 15, Commerce and Trade
Last Updated
Aug 21, 2026
Release point: 119-102