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Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
2026-07-06 10:51:44 -04:00

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---
type: "LegalText"
title: "15 U.S.C. § 1693r"
description: "Exemption for State regulation"
jurisdiction: "us"
corpus: "united_states_code"
kind: "code_section"
title_number: 15
title_name: "COMMERCE AND TRADE"
chapter_number: "41"
chapter_name: "CONSUMER CREDIT PROTECTION"
section: "1693r"
citation: "15 U.S.C. § 1693r"
status: "current"
release_point: "119-100"
release_date: "2026-06-26"
source: "official"
source_url: "https://uscode.house.gov/download/releasepoints/us/pl/119/100/xml_usc15@119-100.zip"
source_identifier: "/us/usc/t15/s1693r"
source_file: "data/legal/raw/us/code/title-15/usc15.xml"
source_hash: "16d364976bc54afc198c8aaf139bf00243f1abd8d9c293555bbe3f38a7f5ba6f"
raw_snapshot_hash: "6982338d990ef19d6b52bff6825089bdd6d0ee1233d9382673faf533decd5059"
text_hash: "723b2939aeac839e611ce7f903742214c6eb4b3a9ff33c4d7eaa34368f1b9406"
retrieved_at: "2026-07-04"
confidence: "official"
tags: ["legal", "us-code"]
---
# 15 U.S.C. § 1693r - Exemption for State regulation
## Text
The Bureau shall by regulation exempt from the requirements of this subchapter any class of electronic fund transfers within any State if the Bureau determines that under the law of that State that class of electronic fund transfers is subject to requirements substantially similar to those imposed by this subchapter, and that there is adequate provision for enforcement.
(Pub. L. 90321, title IX, § 922, formerly § 920, as added Pub. L. 95630, title XX, § 2001, Nov. 10, 1978, 92 Stat. 3741; renumbered § 921, Pub. L. 11124, title IV, § 401(1), May 22, 2009, 123 Stat. 1751; renumbered § 922 and amended Pub. L. 111203, title X, §§ 1073(a)(3), 1084(1), July 21, 2010, 124 Stat. 2060, 2081.)
## Notes
Editorial Notes
Codification Another section 922 of Pub. L. 90321 is classified to section 1693q of this title. Renumbering of section 920 of Pub. L. 90321 as section 921 by section 401(1) of Pub. L. 11124 was executed prior to the renumbering of section 921 of Pub. L. 90321 as section 922 by section 1073(a)(3) of Pub. L. 111203 as the probable intent of Congress, notwithstanding section 403 of Pub. L. 11124, set out as an Effective Date note under section 1693l1 of this title and section 4 of Pub. L. 111203, set out as an Effective Date note under section 5301 of Title 12, Banks and Banking, which provided that the renumbering by Pub. L. 11124 was effective 15 months after May 22, 2009, and the renumbering by Pub. L. 111203 was effective 1 day after July 21, 2010.
Prior ProvisionsA prior section 922 of Pub. L. 90321 was renumbered section 923 and is classified as an Effective Date note under section 1693 of this title.
Amendments2010—Pub. L. 111203, § 1084(1), substituted “Bureau” for “Board” in two places.
Statutory Notes and Related Subsidiaries
Effective Date of 2010 AmendmentAmendment by section 1084(1) of Pub. L. 111203 effective on the designated transfer date, see section 1100H of Pub. L. 111203, set out as a note under section 552a of Title 5, Government Organization and Employees.