source:
  type: regulation
  id: reg-z-1026.28
  authority: 12 CFR Part 1026 — Regulation Z (Truth in Lending Act, CFPB) § 1026.28 — Effect on state laws
  description: '12 CFR Part 1026 — Regulation Z (Truth in Lending Act, CFPB), §1026.28 Effect on state laws. Captured
    section-complete (all subsections verbatim).

    '
obligations:
- id: reg-z-1026.28-a
  canonical_id: reg-z-1026.28-a
  section: 12 CFR §1026.28(a)
  description: 'Effect on state laws — (a): (a) Inconsistent disclosure requirements. (1) Except as provided in
    paragraph (d) of this section, State law requirements that are inconsistent with the requirements contained
    in chapter 1 (General Provisions), chapter 2 (Credit Transactions), or chapter 3 (Credit Advertising) of the
    Act and the imp…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1026 — Regulation Z (Truth in Lending Act, CFPB) § 1026.28
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1026
    snapshot_id: 2f0bd06c71cf3f0e
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:e0a28cfac50c4af33e4aadc64dd0e5a3910ddee6364620a5d646f8388be29466
    paragraph_quote: (a) Inconsistent disclosure requirements. (1) Except as provided in paragraph (d) of this section,
      State law requirements that are inconsistent with the requirements contained in chapter 1 (General Provisions),
      chapter 2 (Credit Transactions), or chapter 3 (Credit Advertising) of the Act and the implementing provisions
      of this part are preempted to the extent of the inconsistency. A State law is inconsistent if it requires
      a creditor to make disclosures or take actions that contradict the requirements of the Federal law. A State
      law is contradictory if it requires the use of the same term to represent a different amount or a different
      meaning than the Federal law, or if it requires the use of a term different from that required in the Federal
      law to describe the same item. A creditor, State, or other interested party may request the Bureau to determine
      whether a State law requirement is inconsistent. After the Bureau determines that a State law is inconsistent,
      a creditor may not make disclosures using the inconsistent term or form. A determination as to whether a State
      law is inconsistent with the requirements of sections 4 and 5 of RESPA (other than the RESPA section 5(c)
      requirements regarding provision of a list of certified homeownership counselors) and &#xA7;&#xA7; 1026.19(e)
      and (f), 1026.37, and 1026.38 shall be made in accordance with this section and not 12 CFR 1024.13. (2)(i)
      State law requirements are inconsistent with the requirements contained in sections 161 (Correction of billing
      errors) or 162 (Regulation of credit reports) of the Act and the implementing provisions of this part and
      are preempted if they provide rights, responsibilities, or procedures for consumers or creditors that are
      different from those required by the Federal law. However, a state law that allows a consumer to inquire about
      an open-end credit account and imposes on the creditor an obligation to respond to such inquiry after the
      time allowed in the Federal law for the consumer to submit written notice of a billing error shall not be
      preempted in any situation where the time period for making written notice under this part has expired. If
      a creditor gives written notice of a consumer's rights under such state law, the notice shall state that reliance
      on the longer time period available under state law may result in the loss of important rights that could
      be preserved by acting more promptly under Federal law; it shall also explain that the state law provisions
      apply only after expiration of the time period for submitting a proper written notice of a billing error under
      the Federal law. If the state disclosures are made on the same side of a page as the required Federal disclosures,
      the state disclosures shall appear under a demarcation line below the Federal disclosures, and the Federal
      disclosures shall be identified by a heading indicating that they are made in compliance with Federal law.
      (ii) State law requirements are inconsistent with the requirements contained in chapter 4 (Credit billing)
      of the Act (other than section 161 or 162) and the implementing provisions of this part and are preempted
      if the creditor cannot comply with state law without violating Federal law. (iii) A state may request the
      Bureau to determine whether its law is inconsistent with chapter 4 of the Act and its implementing provisions.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1026.28 subsection (a) from snapshot 2f0bd06c71cf3f0e;
      substring-verified.
  judgment: false
- id: reg-z-1026.28-b
  canonical_id: reg-z-1026.28-b
  section: 12 CFR §1026.28(b)
  description: 'Effect on state laws — (b): (b) Equivalent disclosure requirements. If the Bureau determines that
    a disclosure required by state law (other than a requirement relating to the finance charge, annual percentage
    rate, or the disclosures required under &#xA7; 1026.32) is substantially the same in meaning as a disclosure
    required u…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1026 — Regulation Z (Truth in Lending Act, CFPB) § 1026.28
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1026
    snapshot_id: 2f0bd06c71cf3f0e
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:e0a28cfac50c4af33e4aadc64dd0e5a3910ddee6364620a5d646f8388be29466
    paragraph_quote: (b) Equivalent disclosure requirements. If the Bureau determines that a disclosure required
      by state law (other than a requirement relating to the finance charge, annual percentage rate, or the disclosures
      required under &#xA7; 1026.32) is substantially the same in meaning as a disclosure required under the Act
      or this part, creditors in that state may make the state disclosure in lieu of the Federal disclosure. A creditor,
      state, or other interested party may request the Bureau to determine whether a state disclosure is substantially
      the same in meaning as a Federal disclosure.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1026.28 subsection (b) from snapshot 2f0bd06c71cf3f0e;
      substring-verified.
  judgment: false
- id: reg-z-1026.28-c
  canonical_id: reg-z-1026.28-c
  section: 12 CFR §1026.28(c)
  description: 'Effect on state laws — (c): (c) Request for determination. The procedures under which a request
    for a determination may be made under this section are set forth in appendix A.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1026 — Regulation Z (Truth in Lending Act, CFPB) § 1026.28
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1026
    snapshot_id: 2f0bd06c71cf3f0e
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:e0a28cfac50c4af33e4aadc64dd0e5a3910ddee6364620a5d646f8388be29466
    paragraph_quote: (c) Request for determination. The procedures under which a request for a determination may
      be made under this section are set forth in appendix A.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1026.28 subsection (c) from snapshot 2f0bd06c71cf3f0e;
      substring-verified.
  judgment: false
- id: reg-z-1026.28-d
  canonical_id: reg-z-1026.28-d
  section: 12 CFR §1026.28(d)
  description: 'Effect on state laws — (d): (d) Special rule for credit and charge cards. State law requirements
    relating to the disclosure of credit information in any credit or charge card application or solicitation that
    is subject to the requirements of section 127(c) of chapter 2 of the Act (&#xA7; 1026.60 of the regulation)
    or in any re…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1026 — Regulation Z (Truth in Lending Act, CFPB) § 1026.28
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1026
    snapshot_id: 2f0bd06c71cf3f0e
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:e0a28cfac50c4af33e4aadc64dd0e5a3910ddee6364620a5d646f8388be29466
    paragraph_quote: (d) Special rule for credit and charge cards. State law requirements relating to the disclosure
      of credit information in any credit or charge card application or solicitation that is subject to the requirements
      of section 127(c) of chapter 2 of the Act (&#xA7; 1026.60 of the regulation) or in any renewal notice for
      a credit or charge card that is subject to the requirements of section 127(d) of chapter 2 of the Act (&#xA7;
      1026.9(e) of the regulation) are preempted. State laws relating to the enforcement of section 127(c) and (d)
      of the Act are not preempted. [76 FR 79772, Dec. 22, 2011, as amended at 78 FR 80112, Dec. 31, 2013]
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1026.28 subsection (d) from snapshot 2f0bd06c71cf3f0e;
      substring-verified.
  judgment: false
