---
kind: "section"
citation: "15 U.S.C. § 1692n"
title: "15"
title_heading: "Commerce and Trade"
number: "1692n"
heading: "Relation to State laws"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/1692n"
units:
  - "Chapter 41 — Consumer Credit Protection"
  - "Subchapter V — Debt Collection Practices"
---

# §1692n. Relation to State laws


This subchapter does not annul, alter, or affect, or exempt any [person](/usc/15/1602.md?p=e) subject to the provisions of this subchapter from complying with the laws of any [State](/usc/15/1692a.md?p=8) with respect to [debt](/usc/15/1692a.md?p=5) collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a [State](/usc/15/1692a.md?p=8) law is not inconsistent with this subchapter if the protection such law affords any [consumer](/usc/15/1692a.md?p=3) is greater than the protection provided by this subchapter.


## Source credit

(Pub. L. 90–321, title VIII, § 816, as added Pub. L. 95–109, Sept. 20, 1977, 91 Stat. 883.)

## Notes

### Statutory Notes and Related Subsidiaries

### Effective Date

Section effective upon the expiration of six months after Sept. 20, 1977, see section 819 of Pub. L. 90–321, as added by Pub. L. 95–109, set out as a note under section 1692 of this title.