---
kind: "section"
citation: "15 U.S.C. § 1666j"
title: "15"
title_heading: "Commerce and Trade"
number: "1666j"
heading: "Applicability of State laws"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/1666j"
units:
  - "Chapter 41 — Consumer Credit Protection"
  - "Subchapter I — Consumer Credit Cost Disclosure"
  - "Part D — Credit Billing"
---

# §1666j. Applicability of State laws

- (a) **Consistency of provisions—** This part does not annul, alter, or affect, or exempt any [person](/usc/15/1602.md?p=e) subject to the provisions of this part from complying with, the laws of any [State](/usc/15/1602.md?p=s) with respect to [credit](/usc/15/1602.md?p=f) billing practices, except to the extent that those laws are inconsistent with any provision of this part, and then only to the extent of the inconsistency. The [Bureau](/usc/15/1602.md?p=b) is authorized to determine whether such inconsistencies exist. The [Bureau](/usc/15/1602.md?p=b) may not determine that any [State](/usc/15/1602.md?p=s) law is inconsistent with any provision of this part if the [Bureau](/usc/15/1602.md?p=b) determines that such law gives greater protection to the [consumer](/usc/15/1681a.md?p=c).
- (b) **Exemptions by Bureau from credit billing requirements—** The [Bureau](/usc/15/1602.md?p=b) shall by regulation exempt from the requirements of this part any class of [credit](/usc/15/1602.md?p=f) transactions within any [State](/usc/15/1602.md?p=s) if it determines that under the law of that [State](/usc/15/1602.md?p=s) that class of transactions is subject to requirements substantially similar to those imposed under this part or that such law gives greater protection to the [consumer](/usc/15/1681a.md?p=c), and that there is adequate provision for enforcement.
- (c) **Finance charge or other charge for credit for sales transactions involving cash discounts—** Notwithstanding any other provisions of this subchapter, any [discount](/usc/15/1602.md?p=q) offered under [section 1666f(b) of this title](/usc/15/1666f.md?p=b) shall not be considered a finance charge or other charge for [credit](/usc/15/1602.md?p=f) under the usury laws of any [State](/usc/15/1602.md?p=s) or under the laws of any [State](/usc/15/1602.md?p=s) relating to disclosure of information in connection with [credit](/usc/15/1602.md?p=f) transactions, or relating to the types, amounts or rates of charges, or to 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).

## Source credit

(Pub. L. 90–321, title I, § 173, formerly § 171, as added Pub. L. 93–495, title III, § 306, Oct. 28, 1974, 88 Stat. 1516; amended Pub. L. 94–222, § 3(d), Feb. 27, 1976, 90 Stat. 198; renumbered § 173, Pub. L. 111–24, title I, § 101(b)(1), May 22, 2009, 123 Stat. 1736; Pub. L. 111–203, title X, §§ 1087, 1100A(2), July 21, 2010, 124 Stat. 2086, 2107.)

## Notes

### Editorial Notes

### Codification

Pub L. 111–203, § 1100A(2), which directed the substitution of “Bureau” for “Board” wherever appearing in title I of Pub. L. 90–321, was executed to this section, which is section 173 of title I of Pub. L. 90–321. Section 1087 of Pub. L. 111–203, which directed the making of an identical amendment in title III of Pub. L. 93–495, which added this section to title I of Pub. L. 90–321, has not been executed.

### Amendments

2010—Subsecs. (a), (b). Pub. L. 111–203, § 1100A(2), substituted “Bureau” for “Board” wherever appearing. See Codification note above.

1976—Subsec. (c). Pub. L. 94–222 added subsec. (c).

### 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.