source:
  type: regulation
  id: ecoa-15usc-1691d
  authority: ECOA (Equal Credit Opportunity Act, 15 U.S.C.) § 1691d — Applicability of other laws
  description: 'ECOA (Equal Credit Opportunity Act, 15 U.S.C.), §1691d Applicability of other laws. Captured section-complete
    from Cornell LII (verbatim).

    '
obligations:
- id: ecoa-15usc-1691d-a
  canonical_id: ecoa-15usc-1691d-a
  section: 15 U.S.C. §1691d(a)
  description: 'Applicability of other laws — (a): (a) Requests for signature of husband and wife for creation of
    valid lien, etc. A request for the signature of both parties to a marriage for the purpose of creating a valid
    lien, passing clear title, waiving inchoate rights to property, or assigning earnings, shall not constitute
    discrimination und…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: ECOA (Equal Credit Opportunity Act, 15 U.S.C.) § 1691d
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1691d
    snapshot_id: b6ce370765db68df
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:700fd0fc6cede32459cacaa32d83ab1d58a887af17de1e92c686b57092eb0826
    paragraph_quote: '(a) Requests for signature of husband and wife for creation of valid lien, etc. A request
      for the signature of both parties to a marriage for the purpose of creating a valid lien, passing clear title,
      waiving inchoate rights to property, or assigning earnings, shall not constitute discrimination under this
      subchapter: Provided, however, That this provision shall not be construed to permit a creditor to take sex
      or marital status into account in connection with the evaluation of creditworthiness of any applicant .'
    drafter_attestation: Verbatim slice of 15 U.S.C. §1691d subsection (a) from Cornell LII snapshot b6ce370765db68df;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: ecoa-15usc-1691d-b
  canonical_id: ecoa-15usc-1691d-b
  section: 15 U.S.C. §1691d(b)
  description: 'Applicability of other laws — (b): (b) State property laws affecting creditworthiness Consideration
    or application of State property laws directly or indirectly affecting creditworthiness shall not constitute
    discrimination for purposes of this subchapter.'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: ECOA (Equal Credit Opportunity Act, 15 U.S.C.) § 1691d
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1691d
    snapshot_id: b6ce370765db68df
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:700fd0fc6cede32459cacaa32d83ab1d58a887af17de1e92c686b57092eb0826
    paragraph_quote: (b) State property laws affecting creditworthiness Consideration or application of State property
      laws directly or indirectly affecting creditworthiness shall not constitute discrimination for purposes of
      this subchapter.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1691d subsection (b) from Cornell LII snapshot b6ce370765db68df;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: ecoa-15usc-1691d-c
  canonical_id: ecoa-15usc-1691d-c
  section: 15 U.S.C. §1691d(c)
  description: 'Applicability of other laws — (c): (c) State laws prohibiting separate extension of consumer credit
    to husband and wife Any provision of State law which prohibits the separate extension of consumer credit to
    each party to a marriage shall not apply in any case where each party to a marriage voluntarily applies for
    separate credit fro…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: ECOA (Equal Credit Opportunity Act, 15 U.S.C.) § 1691d
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1691d
    snapshot_id: b6ce370765db68df
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:700fd0fc6cede32459cacaa32d83ab1d58a887af17de1e92c686b57092eb0826
    paragraph_quote: '(c) State laws prohibiting separate extension of consumer credit to husband and wife Any provision
      of State law which prohibits the separate extension of consumer credit to each party to a marriage shall not
      apply in any case where each party to a marriage voluntarily applies for separate credit from the same creditor
      : Provided, That in any case where such a State law is so preempted, each party to the marriage shall be solely
      responsible for the debt so contracted.'
    drafter_attestation: Verbatim slice of 15 U.S.C. §1691d subsection (c) from Cornell LII snapshot b6ce370765db68df;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: ecoa-15usc-1691d-d
  canonical_id: ecoa-15usc-1691d-d
  section: 15 U.S.C. §1691d(d)
  description: 'Applicability of other laws — (d): (d) Combining credit accounts of husband and wife with same creditor
    to determine permissible finance charges or loan ceilings under Federal or State laws When each party to a marriage
    separately and voluntarily applies for and obtains separate credit accounts with the same creditor , those accounts…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: ECOA (Equal Credit Opportunity Act, 15 U.S.C.) § 1691d
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1691d
    snapshot_id: b6ce370765db68df
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:700fd0fc6cede32459cacaa32d83ab1d58a887af17de1e92c686b57092eb0826
    paragraph_quote: (d) Combining credit accounts of husband and wife with same creditor to determine permissible
      finance charges or loan ceilings under Federal or State laws When each party to a marriage separately and
      voluntarily applies for and obtains separate credit accounts with the same creditor , those accounts shall
      not be aggregated or otherwise combined for purposes of determining permissible finance charges or permissible
      loan ceilings under the laws of any State or of the United States.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1691d subsection (d) from Cornell LII snapshot b6ce370765db68df;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: ecoa-15usc-1691d-e
  canonical_id: ecoa-15usc-1691d-e
  section: 15 U.S.C. §1691d(e)
  description: 'Applicability of other laws — (e): (e) Election of remedies under subchapter or State law; nature
    of relief determining applicability Where the same act or omission constitutes a violation of this subchapter
    and of applicable State law, a person aggrieved by such conduct may bring a legal action to recover monetary
    damages either und…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: ECOA (Equal Credit Opportunity Act, 15 U.S.C.) § 1691d
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1691d
    snapshot_id: b6ce370765db68df
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:700fd0fc6cede32459cacaa32d83ab1d58a887af17de1e92c686b57092eb0826
    paragraph_quote: (e) Election of remedies under subchapter or State law; nature of relief determining applicability
      Where the same act or omission constitutes a violation of this subchapter and of applicable State law, a person
      aggrieved by such conduct may bring a legal action to recover monetary damages either under this subchapter
      or under such State law, but not both. This election of remedies shall not apply to court actions in which
      the relief sought does not include monetary damages or to administrative actions.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1691d subsection (e) from Cornell LII snapshot b6ce370765db68df;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: ecoa-15usc-1691d-f
  canonical_id: ecoa-15usc-1691d-f
  section: 15 U.S.C. §1691d(f)
  description: 'Applicability of other laws — (f): (f) Compliance with inconsistent State laws; determination of
    inconsistency This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions
    of this subchapter from complying with, the laws of any State with respect to credit discrimination, except
    to the extent that …'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: ECOA (Equal Credit Opportunity Act, 15 U.S.C.) § 1691d
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1691d
    snapshot_id: b6ce370765db68df
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:700fd0fc6cede32459cacaa32d83ab1d58a887af17de1e92c686b57092eb0826
    paragraph_quote: (f) Compliance with inconsistent State laws; determination of inconsistency This subchapter
      does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying
      with, the laws of any State with respect to credit discrimination, except to the extent that those laws are
      inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. The
      Bureau is authorized to determine whether such inconsistencies exist. The Bureau may not determine that any
      State law is inconsistent with any provision of this subchapter if the Bureau determines that such law gives
      greater protection to the applicant .
    drafter_attestation: Verbatim slice of 15 U.S.C. §1691d subsection (f) from Cornell LII snapshot b6ce370765db68df;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: ecoa-15usc-1691d-g
  canonical_id: ecoa-15usc-1691d-g
  section: 15 U.S.C. §1691d(g)
  description: 'Applicability of other laws — (g): (g) Exemption by regulation of credit transactions covered by
    State law; failure to comply with State law The Bureau shall by regulation exempt from the requirements of sections
    1691 and 1691a of this title any class of credit transactions within any State if it determines that under the
    law of that…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: ECOA (Equal Credit Opportunity Act, 15 U.S.C.) § 1691d
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1691d
    snapshot_id: b6ce370765db68df
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:700fd0fc6cede32459cacaa32d83ab1d58a887af17de1e92c686b57092eb0826
    paragraph_quote: (g) Exemption by regulation of credit transactions covered by State law; failure to comply
      with State law The Bureau shall by regulation exempt from the requirements of sections 1691 and 1691a of this
      title any class of credit transactions within any State if it determines that under the law of that State
      that class of transactions is subject to requirements substantially similar to those imposed under this subchapter
      or that such law gives greater protection to the applicant, and that there is adequate provision for enforcement.
      Failure to comply with any requirement of such State law in any transaction so exempted shall constitute a
      violation of this subchapter for the purposes of section 1691e of this title . ( Pub. L. 90–321, title VII,
      § 705 , as added Pub. L. 93–495, title V, § 503 , Oct. 28, 1974 , 88 Stat. 1523 ; amended Pub. L. 94–239,
      § 5 , Mar. 23, 1976 , 90 Stat. 253 ; Pub. L. 111–203, title X, § 1085(1) , July 21, 2010 , 124 Stat. 2083
      .)
    drafter_attestation: Verbatim slice of 15 U.S.C. §1691d subsection (g) from Cornell LII snapshot b6ce370765db68df;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
