15 U.S.C. § 6807: Relation to State laws

Summary

Federal rules in this part do not replace or change state laws, rules, or orders unless a state rule actually conflicts with these federal rules. If there is a conflict, the federal rule only overrides the part that conflicts. If a state law gives people more protection than the federal rules, it is not treated as a conflict. The Bureau of Consumer Financial Protection will decide if the state law gives greater protection. The Bureau must consult the state agency that has authority under section 6805(a) over either the person who filed the complaint or the person the complaint is about. The Bureau can act on its own or if an interested party asks.

Title 15, §6807

Commerce and Trade, Source: USLM XML via OLRC

(a)In general

This subchapter and the amendments made by this subchapter shall not be construed as superseding, altering, or affecting any statute, regulation, order, or interpretation in effect in any State, except to the extent that such statute, regulation, order, or interpretation is inconsistent with the provisions of this subchapter, and then only to the extent of the inconsistency.

(b)Greater protection under State law

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 and the amendments made by this subchapter, as determined by the Bureau of Consumer Financial Protection, after consultation with the agency or authority with jurisdiction under section 6805(a) 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.

Notes & Related Subsidiaries

Editorial Notes

References in Text

This subchapter, referred to in text, was in the original “this subtitle”, meaning subtitle A (§§ 501–510) of title V of Pub. L. 106–102, Nov. 12, 1999, 113 Stat. 1436, which is classified principally to this subchapter. For complete classification of subtitle A to the Code, see Tables.

Amendments

2010—Subsec. (b). Pub. L. 111–203 substituted “Bureau of Consumer Financial Protection” for “Federal Trade Commission”.

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.

§6807 Relation to State Laws