source:
  type: regulation
  id: reg-f-1006.104
  authority: 12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.104 — Relation to
    State laws
  description: '12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB), §1006.104 Relation to
    State laws. Captured section-complete (all subsections verbatim).

    '
obligations:
- id: reg-f-1006.104-full
  canonical_id: reg-f-1006.104-full
  section: 12 CFR §1006.104
  description: 'Relation to State laws: Neither the Act nor the corresponding provisions of this part annul, alter,
    affect, or exempt any person subject to the provisions of the Act or the corresponding provisions of this part
    from complying with the laws of any State with respect to debt collection practices, except to the extent that
    th…'
  type: reference
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1006 — Regulation F (Fair Debt Collection Practices Act, CFPB) § 1006.104
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1006
    snapshot_id: c67bbdd9529cfe8e
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:dd83be4e4e18d82346d4e1f7217494f51deed4a4442584c52591a6f5b499439f
    paragraph_quote: Neither the Act nor the corresponding provisions of this part annul, alter, affect, or exempt
      any person subject to the provisions of the Act or the corresponding provisions of this part from complying
      with the laws of any State with respect to debt collection practices, except to the extent that those laws
      are inconsistent with any provision of the Act or the corresponding provisions of this part, and then only
      to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with the
      Act or the corresponding provisions of this part if the protection such law affords any consumer is greater
      than the protection provided by the Act or the corresponding provisions of this part.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1006.104 (whole section) from snapshot c67bbdd9529cfe8e;
      substring-verified.
  judgment: false
