US Code

Public Law 119-83 (04/13/2026)

15 U.S.C. § 1610

Effect on other laws

(a)

Inconsistent provisions; procedures applicable for determination

(1)
Except as provided in subsection (e), this part and parts B and C, do not annul, alter, or affect the laws of any State relating to the disclosure of information in connection with credit transactions, except to the extent that those laws are inconsistent with the provisions of this subchapter, and then only to the extent of the inconsistency. Upon its own motion or upon the request of any creditor, State, or other interested party which is submitted in accordance with procedures prescribed in regulations of the Bureau, the Bureau shall determine whether any such inconsistency exists. If the Bureau determines that a State-required disclosure is inconsistent, creditors located in that State may not make disclosures using the inconsistent term or form, and shall incur no liability under the law of that State for failure to use such term or form, notwithstanding that such determination is subsequently amended, rescinded, or determined by judicial or other authority to be invalid for any reason.
(2)
section 1632 of this titlesection 1639 of this title Upon its own motion or upon the request of any creditor, State, or other interested party which is submitted in accordance with procedures prescribed in regulations of the Bureau, the Bureau shall determine whether any disclosure required under the law of any State is substantially the same in meaning as a disclosure required under this subchapter. If the Bureau determines that a State-required disclosure is substantially the same in meaning as a disclosure required by this subchapter, then creditors located in that State may make such disclosure in compliance with such State law in lieu of the disclosure required by this subchapter, except that the annual percentage rate and finance charge shall be disclosed as required by , and such State-required disclosure may not be made in lieu of the disclosures applicable to certain mortgages under .
(b)

State credit charge statutes

section 1639 of this titlesection 1639 of this titlesection 1639 of this title1

1 See References in Text note below.
section 1639 of this titleExcept as provided in , this subchapter does not otherwise annul, alter or affect in any manner the meaning, scope or applicability of the laws of any State, including, but not limited to, laws relating to the types, amounts or rates of charges, or any element or elements of charges, permissible under such laws in connection with the extension or use of credit, nor does this subchapter extend the applicability of those laws to any class of persons or transactions to which they would not otherwise apply. The provisions of do not annul, alter, or affect the applicability of the laws of any State or exempt any person subject to the provisions of from complying with the laws of any State, with respect to the requirements for mortgages referred to in section 1602(aa)  of this title, except to the extent that those State laws are inconsistent with any provisions of , and then only to the extent of the inconsistency.

(c)

Disclosure as evidence

In any action or proceeding in any court involving a consumer credit sale, the disclosure of the annual percentage rate as required under this subchapter in connection with that sale may not be received as evidence that the sale was a loan or any type of transaction other than a credit sale.

(d)

Contract or other obligations under State or Federal law

Except as specified in sections 1635, 1640, and 1666e of this title, this subchapter and the regulations issued thereunder do not affect the validity or enforceability of any contract or obligation under State or Federal law.

(e)

Certain credit and charge card application and solicitation disclosure provisions

section 1632 of this titlesection 1637 of this titlesection 1637(c) of this titlesection 1637(d) of this titleThe provisions of subsection (c) of and subsections (c), (d), (e), and (f) of shall supersede any provision of the law of any State relating to the disclosure of information in any credit or charge card application or solicitation which is subject to the requirements of or any renewal notice which is subject to the requirements of , except that any State may employ or establish State laws for the purpose of enforcing the requirements of such sections.

Pub. L. 90–321, title I, § 11182 Stat. 151 Pub. L. 93–495, title III, § 307(b)88 Stat. 1516 Pub. L. 96–221, title VI, § 60994 Stat. 173 Pub. L. 100–583, § 4102 Stat. 2967 Pub. L. 103–325, title I, § 152(e)(2)(B)108 Stat. 2194 Pub. L. 111–203, title X, § 1100A(2)124 Stat. 2107 (, , ; , , ; , , ; , , ; , (C), , ; , , .)

Editorial Notes

References in Text

Section 1602(aa) of this titlesection 1602(bb) of this titlePub. L. 111–203, title X, § 1100A(1)(A)124 Stat. 2107 , referred to in subsec. (b), was redesignated by , , .

Amendments

Pub. L. 111–2032010—Subsec. (a). substituted “Bureau” for “Board” wherever appearing.

Pub. L. 103–325, § 152(e)(2)(B)section 1639 of this title1994—Subsec. (a)(2). , which directed the amendment of par. (2) by inserting “, and such State-required disclosure may not be made in lieu of the disclosures applicable to certain mortgages under ” before period, was executed by making the insertion before period at end of par. (2), to reflect the probable intent of Congress.

Pub. L. 103–325, § 152(e)(2)(C)section 1639 of this titlesection 1639 of this titlesection 1639 of this titlesection 1602(aa) of this titlesection 1639 of this titleSubsec. (b). , substituted “Except as provided in , this subchapter” for “This subchapter” and inserted at end “The provisions of do not annul, alter, or affect the applicability of the laws of any State or exempt any person subject to the provisions of from complying with the laws of any State, with respect to the requirements for mortgages referred to in , except to the extent that those State laws are inconsistent with any provisions of , and then only to the extent of the inconsistency.”

Pub. L. 100–583, § 4(1)1988—Subsec. (a)(1). , substituted “Except as provided in subsection (e), this part” for “This part”.

Pub. L. 100–583, § 4(2)Subsec. (e). , added subsec. (e).

Pub. L. 96–2211980—Subsec. (a). designated existing provisions as par. (1), substituted provisions respecting the effect of this part and parts B and C of this subchapter, and procedures applicable for determination, for provisions respecting the effect of this subchapter, and added par. (2).

Pub. L. 93–495section 1666e of this title1974—Subsec. (d). inserted reference to .

Statutory Notes and Related Subsidiaries

Effective Date of 2010 Amendment

Pub. L. 111–203section 1100H of Pub. L. 111–203section 552a of Title 5Amendment by effective on the designated transfer date, see , set out as a note under , Government Organization and Employees.

Effective Date of 1980 Amendment

Pub. L. 96–221section 625 of Pub. L. 96–221section 1602 of this titleAmendment by effective on expiration of two years and six months after , with all regulations, forms, and clauses required to be prescribed to be promulgated at least one year prior to such effective date, and allowing any creditor to comply with any amendments, in accordance with the regulations, forms, and clauses prescribed by the Board prior to such effective date, see , set out as a note under .

Effective Date of 1974 Amendment

Pub. L. 93–495section 308 of Pub. L. 93–495section 1666 of this titleFor effective date of amendment by , see , set out as an Effective Date note under .