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

# §1692o. Exemption for State regulation


The [Bureau](/usc/15/1692a.md?p=1) shall by regulation exempt from the requirements of this subchapter any class of [debt](/usc/15/1692a.md?p=5) collection practices within any [State](/usc/15/1692a.md?p=8) if the [Bureau](/usc/15/1692a.md?p=1) determines that under the law of that [State](/usc/15/1692a.md?p=8) that class of [debt](/usc/15/1692a.md?p=5) collection practices is subject to requirements substantially similar to those imposed by this subchapter, and that there is adequate provision for enforcement.


## Source credit

(Pub. L. 90–321, title VIII, § 817, as added Pub. L. 95–109, Sept. 20, 1977, 91 Stat. 883; amended Pub. L. 111–203, title X, § 1089(1), July 21, 2010, 124 Stat. 2092.)

## Notes

### Editorial Notes

### Amendments

2010—Pub. L. 111–203 substituted “Bureau” for “Commission” in two places.

### 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

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.