Sec. 922. Relation to State laws
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## § 922 Relation to State laws **[**[15 U.S.C. 1693q](/us/usc/t15/s1693q)**]** This title does not annul, alter, or affect the laws of any State relating to electronic fund transfers,113 except to the extent that those laws are inconsistent with the provisions of this title, and then only to the extent of the inconsistency. A State law is not inconsistent with this title if the protection such law affords any consumer is greater than the protection afforded by this title. The Bureau shall, upon its own motion or upon the request of any financial institution, State, or other interested party, submitted in accordance with procedures prescribed in regulations of the Bureau, determine whether a State requirement is inconsistent or affords greater protection.
If the Bureau determines that a State requirement is inconsistent, financial institutions shall incur no liability under the law of the State for a good faith failure to comply with that law, notwithstanding that such determination is subsequently amended, rescinded, or determined by judicial or other authority to be invalid for any reason. This title does not extend the applicability of any such law to any class of persons or transactions to which it would not otherwise apply. 113Sections 919 through the end of the title reflect errors in redesignations as a result of amendments made by section 1073(a)(3) and
(4)and section 1075(a)(1) and
(2)of Public Law 111–203 and section 401 of Public Law 111–24. The amendment by section 402 of Public Law 111–24 (123 Stat. 1754) attempts to amend section 920 of the Electronic Fund Transfer Act (as redesignated) by inserting “dormancy fees, inactivity charges or fees, service fees, or expiration dates of gift certificates, store gift cards, or general-use prepaid cards,” after “electronic fund transfers,”. The amendment could not be carried out in light of multiple redesignations by section 1073(a) and 1075(a) of Public Law 111–203.
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- Pub. L. 111-203
- Pub. L. 111-24
- 123 Stat. 1754
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Sec. 922
Relation to State laws
Pub. L.Pub. L. 111-203
Pub. L.Pub. L. 111-24
Stat.123 Stat. 1754
Cites 4Cited by 0 across 0 sources