Title 15, Commerce and TradeRelease 119-110

§6824 Relation to State Laws

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

Last updated Sep 22, 2026|Official source

Summary

State laws, rules, orders, and official interpretations keep working unless they clash with the federal rules here. If there is a conflict, the federal rules only override the parts that disagree. If a State law gives more protection than the federal rules, it is not treated as a clash. The Federal Trade Commission decides whether the State law is stronger. Before deciding, the FTC must talk with the agency that has authority under section 6822 over either the person who filed the complaint or the person the complaint is about. The FTC can act on its own or when someone asks.

Full Legal Text

Title 15, §6824

Commerce and Trade, Source: USLM XML via OLRC

(a)In general

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)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 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

Sep 22, 2026

Release point: 119-110