source:
  type: regulation
  id: respa-12usc-2616
  authority: RESPA (Real Estate Settlement Procedures Act, 12 U.S.C.) § 2616 — State laws unaffected; inconsistent
    Federal and State provisions
  description: 'RESPA (Real Estate Settlement Procedures Act, 12 U.S.C.), §2616 State laws unaffected; inconsistent
    Federal and State provisions. Captured section-complete from Cornell LII (verbatim).

    '
obligations:
- id: respa-12usc-2616-full
  canonical_id: respa-12usc-2616-full
  section: 12 U.S.C. §2616
  description: 'State laws unaffected; inconsistent Federal and State provisions: This chapter does not annul, alter,
    or affect, or exempt any person subject to the provisions of this chapter from complying with, the laws of any
    State with respect to settlement practices, except to the extent that those laws are inconsistent with any provision
    of this chapter, and then only to th…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: RESPA (Real Estate Settlement Procedures Act, 12 U.S.C.) § 2616
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/12/2616
    snapshot_id: 6516c3352301620f
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:f609acc202d257be38df1fddabcd7783bb40774ec35d7a07bcc9b5f614ada4df
    paragraph_quote: This chapter does not annul, alter, or affect, or exempt any person subject to the provisions
      of this chapter from complying with, the laws of any State with respect to settlement practices, except to
      the extent that those laws are inconsistent with any provision of this chapter, 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 chapter if the Bureau determines
      that such law gives greater protection to the consumer. In making these determinations the Bureau shall consult
      with the appropriate Federal agencies. ( Pub. L. 93–533, § 18 , Dec. 22, 1974 , 88 Stat. 1731 ; Pub. L. 94–205,
      § 9 , Jan. 2, 1976 , 89 Stat. 1159 ; Pub. L. 111–203, title X, § 1098(10) , July 21, 2010 , 124 Stat. 2104
      .)
    drafter_attestation: Verbatim slice of 12 U.S.C. §2616 from Cornell LII snapshot 6516c3352301620f; body isolated
      between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
