source:
  type: regulation
  id: reg-z-1026.29
  authority: 12 CFR Part 1026 — Regulation Z (Truth in Lending Act, CFPB) § 1026.29 — State exemptions
  description: '12 CFR Part 1026 — Regulation Z (Truth in Lending Act, CFPB), §1026.29 State exemptions. Captured
    section-complete (all subsections verbatim).

    '
obligations:
- id: reg-z-1026.29-a
  canonical_id: reg-z-1026.29-a
  section: 12 CFR §1026.29(a)
  description: 'State exemptions — (a): (a) General rule. Any state may apply to the Bureau to exempt a class of
    transactions within the state from the requirements of chapter 2 (Credit transactions) or chapter 4 (Credit
    billing) of the Act and the corresponding provisions of this part. The Bureau shall grant an exemption if it
    determines…'
  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) § 1026.29
    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) General rule. Any state may apply to the Bureau to exempt a class of transactions within
      the state from the requirements of chapter 2 (Credit transactions) or chapter 4 (Credit billing) of the Act
      and the corresponding provisions of this part. The Bureau shall grant an exemption if it determines that:
      (1) The state law is substantially similar to the Federal law or, in the case of chapter 4, affords the consumer
      greater protection than the Federal law; and (2) There is adequate provision for enforcement.'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1026.29 subsection (a) from snapshot 2f0bd06c71cf3f0e;
      substring-verified.
  judgment: false
- id: reg-z-1026.29-b
  canonical_id: reg-z-1026.29-b
  section: 12 CFR §1026.29(b)
  description: 'State exemptions — (b): (b) Civil liability. (1) No exemptions granted under this section shall
    extend to the civil liability provisions of sections 130 and 131 of the Act. (2) If an exemption has been granted,
    the disclosures required by the applicable state law (except any additional requirements not imposed by Federal
    l…'
  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) § 1026.29
    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) Civil liability. (1) No exemptions granted under this section shall extend to the civil
      liability provisions of sections 130 and 131 of the Act. (2) If an exemption has been granted, the disclosures
      required by the applicable state law (except any additional requirements not imposed by Federal law) shall
      constitute the disclosures required by the Act.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1026.29 subsection (b) from snapshot 2f0bd06c71cf3f0e;
      substring-verified.
  judgment: false
- id: reg-z-1026.29-c
  canonical_id: reg-z-1026.29-c
  section: 12 CFR §1026.29(c)
  description: 'State exemptions — (c): (c) Applications. The procedures under which a state may apply for an exemption
    under this section are set forth in appendix B to this part.'
  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) § 1026.29
    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) Applications. The procedures under which a state may apply for an exemption under this
      section are set forth in appendix B to this part.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1026.29 subsection (c) from snapshot 2f0bd06c71cf3f0e;
      substring-verified.
  judgment: false
