US Code

Public Law 119-73 (01/23/2026)

12 U.S.C. § 1465

State law preemption standards for Federal savings associations clarified

(a)

In general

Any determination by a court or by the Director or any successor officer or agency regarding the relation of State law to a provision of this chapter or any regulation or order prescribed under this chapter shall be made in accordance with the laws and legal standards applicable to national banks regarding the preemption of State law.

(b)

Principles of conflict preemption applicable

Notwithstanding the authorities granted under sections 1463 and 1464 of this title, this chapter does not occupy the field in any area of State law.

(c)

Visitorial powers

1

1 So in original. Probably should be “section”.
The provisions of sections  25b(i) of this title shall apply to Federal savings associations, and any subsidiary thereof, to the same extent and in the same manner as if such savings associations, or subsidiaries thereof, were national banks or subsidiaries of national banks, respectively.

(d)

Enforcement actions

section 45 of title 15The ability of the Comptroller of the Currency to bring an enforcement action under this chapter or does not preclude any private party from enforcing rights granted under Federal or State law in the courts.

June 13, 1933, ch. 64, § 6Pub. L. 111–203, title X124 Stat. 2017(, as added and amended , §§ 1046(a), 1047(b), , , 2018.)

Editorial Notes

Prior Provisions

June 13, 1933, ch. 64, § 648 Stat. 134Apr. 27, 1934, ch. 168, § 1148 Stat. 647May 28, 1935, ch. 150, § 1949 Stat. 297Pub. L. 101–73, title III, § 301103 Stat. 313Pub. L. 106–569, title XII, § 1201(a)114 Stat. 3032A prior section 1465, acts , ; , ; , ; , , , which related to liquid asset requirements, was repealed by , , .

Amendments

Pub. L. 111–203, § 1047(b)2010—Subsecs. (c), (d). , added subsecs. (c) and (d).

Statutory Notes and Related Subsidiaries

Effective Date

Pub. L. 111–203section 1048 of Pub. L. 111–203section 5551 of this titleEnactment and amendment of section by effective on the designated transfer date, see , set out as a note under .