source:
  type: regulation
  id: tila-15usc-1610
  authority: TILA (Truth in Lending Act, 15 U.S.C.) § 1610 — Effect on other laws
  description: 'TILA (Truth in Lending Act, 15 U.S.C.), §1610 Effect on other laws. Captured section-complete from
    Cornell LII (verbatim).

    '
obligations:
- id: tila-15usc-1610-a
  canonical_id: tila-15usc-1610-a
  section: 15 U.S.C. §1610(a)
  description: 'Effect on other laws — (a): (a) Inconsistent provisions; procedures applicable for determination
    (1) Except as provided in subsection (e), this part and parts B and C, do not annul, alter, or affect the laws
    of any State relating to the disclosure of information in connection with credit transactions, except to the
    extent that…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: TILA (Truth in Lending Act, 15 U.S.C.) § 1610
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1610
    snapshot_id: 0b31d125c129867d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:ff2220cff8b5eb1271357e027bf35257ea2d7e42ef227fd88c913684768d9f1a
    paragraph_quote: (a) Inconsistent provisions; procedures applicable for determination (1) Except as provided
      in subsection (e), this part and parts B and C, do not annul, alter, or affect the laws of any State relating
      to the disclosure of information in connection with credit transactions, except to the extent that those laws
      are inconsistent with the provisions of this subchapter, and then only to the extent of the inconsistency.
      Upon its own motion or upon the request of any creditor, State, or other interested party which is submitted
      in accordance with procedures prescribed in regulations of the Bureau , the Bureau shall determine whether
      any such inconsistency exists. If the Bureau determines that a State- required disclosure is inconsistent,
      creditors located in that State may not make disclosures using the inconsistent term or form, and shall incur
      no liability under the law of that State for failure to use such term or form, notwithstanding that such determination
      is subsequently amended, rescinded, or determined by judicial or other authority to be invalid for any reason.
      (2) Upon its own motion or upon the request of any creditor , State , or other interested party which is submitted
      in accordance with procedures prescribed in regulations of the Bureau , the Bureau shall determine whether
      any disclosure required under the law of any State is substantially the same in meaning as a disclosure required
      under this subchapter. If the Bureau determines that a State- required disclosure is substantially the same
      in meaning as a disclosure required by this subchapter, then creditors located in that State may make such
      disclosure in compliance with such State law in lieu of the disclosure required by this subchapter, except
      that the annual percentage rate and finance charge shall be disclosed as required by section 1632 of this
      title , and such State- required disclosure may not be made in lieu of the disclosures applicable to certain
      mortgages under section 1639 of this title .
    drafter_attestation: Verbatim slice of 15 U.S.C. §1610 subsection (a) from Cornell LII snapshot 0b31d125c129867d;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: tila-15usc-1610-b
  canonical_id: tila-15usc-1610-b
  section: 15 U.S.C. §1610(b)
  description: 'Effect on other laws — (b): (b) State credit charge statutes Except as provided in section 1639
    of this title , this subchapter does not otherwise annul, alter or affect in any manner the meaning, scope or
    applicability of the laws of any State, including, but not limited to, laws relating to the types, amounts or
    rates of cha…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: TILA (Truth in Lending Act, 15 U.S.C.) § 1610
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1610
    snapshot_id: 0b31d125c129867d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:ff2220cff8b5eb1271357e027bf35257ea2d7e42ef227fd88c913684768d9f1a
    paragraph_quote: (b) State credit charge statutes Except as provided in section 1639 of this title , this subchapter
      does not otherwise annul, alter or affect in any manner the meaning, scope or applicability of the laws of
      any State, including, but not limited to, laws relating to the types, amounts or rates of charges, or any
      element or elements of charges, permissible under such laws in connection with the extension or use of credit,
      nor does this subchapter extend the applicability of those laws to any class of persons or transactions to
      which they would not otherwise apply. The provisions of section 1639 of this title do not annul, alter, or
      affect the applicability of the laws of any State or exempt any person subject to the provisions of section
      1639 of this title from complying with the laws of any State, with respect to the requirements for mortgages
      referred to in section 1602(aa) [1] of this title, except to the extent that those State laws are inconsistent
      with any provisions of section 1639 of this title , and then only to the extent of the inconsistency.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1610 subsection (b) from Cornell LII snapshot 0b31d125c129867d;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: tila-15usc-1610-c
  canonical_id: tila-15usc-1610-c
  section: 15 U.S.C. §1610(c)
  description: 'Effect on other laws — (c): (c) Disclosure as evidence In any action or proceeding in any court
    involving a consumer credit sale , the disclosure of the annual percentage rate as required under this subchapter
    in connection with that sale may not be received as evidence that the sale was a loan or any type of transaction
    other…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: TILA (Truth in Lending Act, 15 U.S.C.) § 1610
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1610
    snapshot_id: 0b31d125c129867d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:ff2220cff8b5eb1271357e027bf35257ea2d7e42ef227fd88c913684768d9f1a
    paragraph_quote: (c) Disclosure as evidence In any action or proceeding in any court involving a consumer credit
      sale , the disclosure of the annual percentage rate as required under this subchapter in connection with that
      sale may not be received as evidence that the sale was a loan or any type of transaction other than a credit
      sale .
    drafter_attestation: Verbatim slice of 15 U.S.C. §1610 subsection (c) from Cornell LII snapshot 0b31d125c129867d;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: tila-15usc-1610-d
  canonical_id: tila-15usc-1610-d
  section: 15 U.S.C. §1610(d)
  description: 'Effect on other laws — (d): (d) Contract or other obligations under State or Federal law Except
    as specified in sections 1635 , 1640 , and 1666e of this title, this subchapter and the regulations issued thereunder
    do not affect the validity or enforceability of any contract or obligation under State or Federal law.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: TILA (Truth in Lending Act, 15 U.S.C.) § 1610
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1610
    snapshot_id: 0b31d125c129867d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:ff2220cff8b5eb1271357e027bf35257ea2d7e42ef227fd88c913684768d9f1a
    paragraph_quote: (d) Contract or other obligations under State or Federal law Except as specified in sections
      1635 , 1640 , and 1666e of this title, this subchapter and the regulations issued thereunder do not affect
      the validity or enforceability of any contract or obligation under State or Federal law.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1610 subsection (d) from Cornell LII snapshot 0b31d125c129867d;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: tila-15usc-1610-e
  canonical_id: tila-15usc-1610-e
  section: 15 U.S.C. §1610(e)
  description: 'Effect on other laws — (e): (e) Certain credit and charge card application and solicitation disclosure
    provisions The provisions of subsection (c) of section 1632 of this title and subsections (c), (d), (e), and
    (f) of section 1637 of this title shall supersede any provision of the law of any State relating to the disclosure
    o…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: TILA (Truth in Lending Act, 15 U.S.C.) § 1610
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1610
    snapshot_id: 0b31d125c129867d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:ff2220cff8b5eb1271357e027bf35257ea2d7e42ef227fd88c913684768d9f1a
    paragraph_quote: (e) Certain credit and charge card application and solicitation disclosure provisions The provisions
      of subsection (c) of section 1632 of this title and subsections (c), (d), (e), and (f) of section 1637 of
      this title shall supersede any provision of the law of any State relating to the disclosure of information
      in any credit or charge card application or solicitation which is subject to the requirements of section 1637(c)
      of this title or any renewal notice which is subject to the requirements of section 1637(d) of this title
      , except that any State may employ or establish State laws for the purpose of enforcing the requirements of
      such sections. ( Pub. L. 90–321, title I, § 111 , May 29, 1968 , 82 Stat. 151 ; Pub. L. 93–495, title III,
      § 307(b) , Oct. 28, 1974 , 88 Stat. 1516 ; Pub. L. 96–221, title VI, § 609 , Mar. 31, 1980 , 94 Stat. 173
      ; Pub. L. 100–583, § 4 , Nov. 3, 1988 , 102 Stat. 2967 ; Pub. L. 103–325, title I, § 152(e)(2)(B) , (C), Sept.
      23, 1994 , 108 Stat. 2194 ; Pub. L. 111–203, title X, § 1100A(2) , July 21, 2010 , 124 Stat. 2107 .) [1] See
      References in Text note below.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1610 subsection (e) from Cornell LII snapshot 0b31d125c129867d;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
