---
kind: "section"
citation: "15 U.S.C. § 1610"
title: "15"
title_heading: "Commerce and Trade"
number: "1610"
heading: "Effect on other laws"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/1610"
units:
  - "Chapter 41 — Consumer Credit Protection"
  - "Subchapter I — Consumer Credit Cost Disclosure"
  - "Part A — General Provisions"
---

# §1610. Effect on other laws

- (a) **Inconsistent provisions; procedures applicable for determination—**
  - (1) Except as provided in [subsection (e)](#e), this part and parts B and C, do not annul, alter, or affect the laws of any [State](/usc/15/1602.md?p=s) relating to the disclosure of information in connection with [credit](/usc/15/1602.md?p=f) 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](/usc/15/1602.md?p=g), [State](/usc/15/1602.md?p=s), or other interested party which is submitted in accordance with procedures prescribed in regulations of the [Bureau](/usc/15/1602.md?p=b), the [Bureau](/usc/15/1602.md?p=b) shall determine whether any such inconsistency exists. If the [Bureau](/usc/15/1602.md?p=b) determines that a [State](/usc/15/1602.md?p=s)-required disclosure is inconsistent, [creditors](/usc/15/1602.md?p=g) located in that [State](/usc/15/1602.md?p=s) may not make disclosures using the inconsistent term or form, and shall incur no liability under the law of that [State](/usc/15/1602.md?p=s) for failure to use such term or form, notwithstanding that such determination is subsequently amended, rescinded, or determined by judicial or other authority to be invalid for any reason.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) Upon its own motion or upon the request of any [creditor](/usc/15/1602.md?p=g), [State](/usc/15/1602.md?p=s), or other interested party which is submitted in accordance with procedures prescribed in regulations of the [Bureau](/usc/15/1602.md?p=b), the [Bureau](/usc/15/1602.md?p=b) shall determine whether any disclosure required under the law of any [State](/usc/15/1602.md?p=s) is substantially the same in meaning as a disclosure required under this subchapter. If the [Bureau](/usc/15/1602.md?p=b) determines that a [State](/usc/15/1602.md?p=s)-required disclosure is substantially the same in meaning as a disclosure required by this subchapter, then [creditors](/usc/15/1602.md?p=g) located in that [State](/usc/15/1602.md?p=s) may make such disclosure in compliance with such [State](/usc/15/1602.md?p=s) 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 [section 1632 of this title](/usc/15/1632.md), and such [State](/usc/15/1602.md?p=s)-required disclosure may not be made in lieu of the disclosures applicable to certain mortgages under [section 1639 of this title](/usc/15/1639.md).
- (b) **State credit charge statutes—** Except as provided in [section 1639 of this title](/usc/15/1639.md), this subchapter does not otherwise annul, alter or affect in any manner the meaning, scope or applicability of the laws of any [State](/usc/15/1602.md?p=s), 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](/usc/15/1602.md?p=f), nor does this subchapter extend the applicability of those laws to any class of [persons](/usc/15/1602.md?p=e) or transactions to which they would not otherwise apply. The provisions of [section 1639 of this title](/usc/15/1639.md) do not annul, alter, or affect the applicability of the laws of any [State](/usc/15/1602.md?p=s) or exempt any [person](/usc/15/1602.md?p=e) subject to the provisions of [section 1639 of this title](/usc/15/1639.md) from complying with the laws of any [State](/usc/15/1602.md?p=s), with respect to the requirements for mortgages referred to in [section 1602(aa)](/usc/15/1602.md?p=aa)[^1] of this title, except to the extent that those [State](/usc/15/1602.md?p=s) laws are inconsistent with any provisions of [section 1639 of this title](/usc/15/1639.md), and then only to the extent of the inconsistency.
- (c) **Disclosure as evidence—** In any action or proceeding in any court involving a [consumer](/usc/15/1681a.md?p=c) [credit sale](/usc/15/1602.md?p=h), 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](/usc/15/1602.md?p=h).
- (d) **Contract or other obligations under State or Federal law—** Except as specified in sections [1635](/usc/15/1635.md), [1640](/usc/15/1640.md), and [1666e](/usc/15/1666e.md) of this title, this subchapter and the regulations issued thereunder do not affect the validity or enforceability of any contract or obligation under [State](/usc/15/1602.md?p=s) or Federal law.
- (e) **Certain credit and charge card application and solicitation disclosure provisions—** The provisions of subsection (c) of [section 1632 of this title](/usc/15/1632.md) and subsections (c), (d), (e), and (f) of [section 1637 of this title](/usc/15/1637.md) shall supersede any provision of the law of any [State](/usc/15/1602.md?p=s) relating to the disclosure of information in any [credit](/usc/15/1602.md?p=f) or charge card application or solicitation which is subject to the requirements of [section 1637(c) of this title](/usc/15/1637.md?p=c) or any renewal notice which is subject to the requirements of [section 1637(d) of this title](/usc/15/1637.md?p=d), except that any [State](/usc/15/1602.md?p=s) may employ or establish [State](/usc/15/1602.md?p=s) laws for the purpose of enforcing the requirements of such sections.

## Footnotes

[^1]: See References in Text note below.

## Source credit

(Pub. L. 90–321, title I, § 111, May 29, 1968, 82 Stat. 151; Pub. L. 93–495, title III, § 307(b), Oct. 28, 1974, 88 Stat. 1516; Pub. L. 96–221, title VI, § 609, Mar. 31, 1980, 94 Stat. 173; Pub. L. 100–583, § 4, Nov. 3, 1988, 102 Stat. 2967; Pub. L. 103–325, title I, § 152(e)(2)(B), (C), Sept. 23, 1994, 108 Stat. 2194; Pub. L. 111–203, title X, § 1100A(2), July 21, 2010, 124 Stat. 2107.)

## Notes

### Editorial Notes

### References in Text

Section 1602(aa) of this title, referred to in subsec. (b), was redesignated section 1602(bb) of this title by Pub. L. 111–203, title X, § 1100A(1)(A), July 21, 2010, 124 Stat. 2107.

### Amendments

2010—Subsec. (a). Pub. L. 111–203 substituted “Bureau” for “Board” wherever appearing.

1994—Subsec. (a)(2). Pub. L. 103–325, § 152(e)(2)(B), 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 section 1639 of this title” before period, was executed by making the insertion before period at end of par. (2), to reflect the probable intent of Congress.

Subsec. (b). Pub. L. 103–325, § 152(e)(2)(C), substituted “Except as provided in section 1639 of this title, this subchapter” for “This subchapter” and inserted at end “The provisions of section 1639 of this title do not annul, alter, or affect the applicability of the laws of any State or exempt any person subject to the provisions of section 1639 of this title 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 section 1639 of this title, and then only to the extent of the inconsistency.”

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

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

1980—Subsec. (a). Pub. L. 96–221 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).

1974—Subsec. (d). Pub. L. 93–495 inserted reference to section 1666e of this title.

### Statutory Notes and Related Subsidiaries

### Effective Date of 2010 Amendment

Amendment 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 of 1980 Amendment

Amendment by Pub. L. 96–221 effective on expiration of two years and six months after Mar. 31, 1980, 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 section 625 of Pub. L. 96–221, set out as a note under section 1602 of this title.

### Effective Date of 1974 Amendment

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