source:
  type: regulation
  id: reg-b-1002.11
  authority: 12 CFR §1002.11 — Relation to state law (Regulation B)
  description: 12 CFR §1002.11 — Relation to state law.
  coverage_tier: context
obligations:
- id: reg-b-1002.11-full
  canonical_id: reg-b-1002.11-full
  section: 12 CFR §1002.11 — Relation to state law
  type: reference
  tags:
  - regulator-direct
  - ecoa
  - corpus-expansion
  - tier-context
  primary_source:
    tier: 1
    authority: 12 CFR §1002.11 — Relation to state law
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1002.11
    snapshot_id: 0a8ceb421a84df4d
    fetched_at: '2026-06-17T17:54:38Z'
    content_hash: sha256:a5b25e1308f5b925d4398b0d9c95eadb0c7095cd748345d0dba292da30c0fc10
    paragraph_quote: '§ 1002.11 Relation to state law. (a) Inconsistent state laws.
      Except as otherwise provided in this section, this part alters, affects, or
      preempts only those state laws that are inconsistent with the Act and this part
      and then only to the extent of the inconsistency. A state law is not inconsistent
      if it is more protective of an applicant . (b) Preempted provisions of state
      law. (1) A state law is deemed to be inconsistent with the requirements of the
      Act and this part and less protective of an applicant within the meaning of
      section 705(f) of the Act to the extent that the law: (i) Requires or permits
      a practice or act prohibited by the Act or this part; (ii) Prohibits the individual
      extension of consumer credit to both parties to a marriage if each spouse individually
      and voluntarily applies for such credit ; (iii) Prohibits inquiries or collection
      of data required to comply with the Act or this part; (iv) Prohibits asking
      about or considering age in an empirically derived, demonstrably and statistically
      sound, credit scoring system to determine a pertinent element of creditworthiness,
      or to favor an elderly applicant ; or (v) Prohibits inquiries necessary to establish
      or administer a special purpose credit program as defined by § 1002.8 . (2)
      A creditor , state , or other interested party may request that the Bureau determine
      whether a state law is inconsistent with the requirements of the Act and this
      part. (c) Laws on finance charges, loan ceilings. If married applicants voluntarily
      apply for and obtain individual accounts with the same creditor , the accounts
      shall not be aggregated or otherwise combined for purposes of determining permissible
      finance charges or loan ceilings under any Federal or state law. Permissible
      loan ceiling laws shall be construed to permit each spouse to become individually
      liable up to the amount of the loan ceilings, less the amount for which the
      applicant is jointly liable. (d) State and Federal laws not affected. This section
      does not alter or annul any provision of state property laws, laws relating
      to the disposition of decedents'' estates, or Federal or state banking regulations
      directed only toward insuring the solvency of financial institutions. (e) Exemption
      for state-regulated transactions —(1) Applications. A state may apply to the
      Bureau for an exemption from the requirements of the Act and this part for any
      class of credit transactions within the state . The Bureau will grant such an
      exemption if the Bureau determines that: (i) The class of credit transactions
      is subject to state law requirements substantially similar to those of the Act
      and this part or that applicants are afforded greater protection under state
      law; and (ii) There is adequate provision for state enforcement. (2) Liability
      and enforcement. (i) No exemption will extend to the civil liability provisions
      of section 706 of the Act or the administrative enforcement provisions of section
      704 of the Act . (ii) After an exemption has been granted, the requirements
      of the applicable state law (except for additional requirements not imposed
      by Federal law) will constitute the requirements of the Act and this part.'
  judgment: false
