---
kind: "section"
citation: "15 U.S.C. § 1679j"
title: "15"
title_heading: "Commerce and Trade"
number: "1679j"
heading: "Relation to State law"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/1679j"
units:
  - "Chapter 41 — Consumer Credit Protection"
  - "Subchapter II–A — Credit Repair Organizations"
---

# §1679j. Relation to State law


This subchapter shall not annul, alter, affect, or exempt any [person](/usc/15/1602.md?p=e) subject to the provisions of this subchapter from complying with any law of any [State](/usc/15/1602.md?p=s) except to the extent that such law is inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency.


## Source credit

(Pub. L. 90–321, title IV, § 412, as added Pub. L. 104–208, div. A, title II, § 2451, Sept. 30, 1996, 110 Stat. 3009–462.)

## Notes

### Statutory Notes and Related Subsidiaries

### Effective Date

Section applicable after the end of the 6-month period beginning on Sept. 30, 1996, except with respect to contracts entered into by a credit repair organization before the end of such period, see section 413 of Pub. L. 90–321, as added by Pub. L. 104–208, set out as a note under section 1679 of this title.