12 CFR Part 1016 — Regulation P (Privacy of Consumer Financial Information, CFPB) § 1016.17 — Relation to state laws

Name: 12 CFR Part 1016 — Regulation P (Privacy of Consumer Financial Information, CFPB) § 1016.17 — Relation to state laws — machine-readable register
Creator: Claude for Compliance
License: https://creativecommons.org/licenses/by-nd/4.0/

reg-p-1016-17

12 CFR Part 1016 — Regulation P (Privacy of Consumer Financial Information, CFPB), §1016.17 Relation to state laws. Captured section-complete (all subsections verbatim).

This register: .xlsx .csv

source:
  type: regulation
  id: reg-p-1016.17
  authority: 12 CFR Part 1016 — Regulation P (Privacy of Consumer Financial Information, CFPB) § 1016.17 — Relation to state laws
  description: |
    12 CFR Part 1016 — Regulation P (Privacy of Consumer Financial Information, CFPB), §1016.17 Relation to state laws. Captured section-complete (all subsections verbatim).
obligations:
  - id: reg-p-1016.17-a
    canonical_id: reg-p-1016.17-a
    section: 12 CFR §1016.17(a)
    description: 'Relation to state laws — (a): (a) In general. This part shall not be construed as superseding, altering, or affecting any statute, regulation, order, or interpretation in effect in any state, except to the extent that such state statute, regulation, order, or interpretation is inconsistent with the provisions of this part, and t…'
    type: reference
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - gap-fill
      - section-complete
    primary_source:
      tier: 1
      authority: 12 CFR Part 1016 — Regulation P (Privacy of Consumer Financial Information, CFPB) § 1016.17
      source_class: ecfr-xml
      source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1016
      snapshot_id: 05288dc52a04b880
      fetched_at: '2026-06-18T00:00:00+00:00'
      content_hash: sha256:16341d532f1fa5fcbfb23a26db63b530e31a62f6ceb89d6fee9baf56af6401c3
      paragraph_quote: (a) In general. This part shall not be construed as superseding, altering, or affecting any statute, regulation, order, or interpretation in effect in any state, except to the extent that such state statute, regulation, order, or interpretation is inconsistent with the provisions of this part, and then only to the extent of the inconsistency.
      drafter_attestation: Verbatim (whitespace-normalized) slice of §1016.17 subsection (a) from snapshot 05288dc52a04b880; substring-verified. Re-verified 2026-09-13 against ecfr.gov (https://www.ecfr.gov/api/renderer/v1/content/enhanced/2026-09-01/title-12?part=1016); quote unchanged.
      verified_against: ecfr.gov
      verified_on: '2026-09-13'
  - id: reg-p-1016.17-b
    canonical_id: reg-p-1016.17-b
    section: 12 CFR §1016.17(b)
    description: 'Relation to state laws — (b): (b) Greater protection under state law. For purposes of this section, a state statute, regulation, order, or interpretation is not inconsistent with the provisions of this part if the protection such statute, regulation, order, or interpretation affords any consumer is greater than the protection pr…'
    type: reference
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - gap-fill
      - section-complete
    primary_source:
      tier: 1
      authority: 12 CFR Part 1016 — Regulation P (Privacy of Consumer Financial Information, CFPB) § 1016.17
      source_class: ecfr-xml
      source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1016
      snapshot_id: 05288dc52a04b880
      fetched_at: '2026-06-18T00:00:00+00:00'
      content_hash: sha256:16341d532f1fa5fcbfb23a26db63b530e31a62f6ceb89d6fee9baf56af6401c3
      paragraph_quote: (b) Greater protection under state law. For purposes of this section, a state statute, regulation, order, or interpretation is not inconsistent with the provisions of this part if the protection such statute, regulation, order, or interpretation affords any consumer is greater than the protection provided under this part, as determined by the Bureau, on its own motion or upon the petition of any interested party, after consultation with the agency or authority with jurisdiction under section 505(a) of the GLB Act (15 U.S.C. 6805(a)) over either the person that initiated the complaint or that is the subject of the complaint.
      drafter_attestation: Verbatim (whitespace-normalized) slice of §1016.17 subsection (b) from snapshot 05288dc52a04b880; substring-verified. Re-verified 2026-09-13 against ecfr.gov (https://www.ecfr.gov/api/renderer/v1/content/enhanced/2026-09-01/title-12?part=1016); quote unchanged.
      verified_against: ecfr.gov
      verified_on: '2026-09-13'

Verbatim regulatory text (2)

Verbatim provisions from 12 CFR Part 1016 — Regulation P (Privacy of Consumer Financial Information, CFPB) § 1016.17 — Relation to state laws — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

12 CFR §1016.17(a)

(a) In general. This part shall not be construed as superseding, altering, or affecting any statute, regulation, order, or interpretation in effect in any state, except to the extent that such state statute, regulation, order, or interpretation is inconsistent with the provisions of this part, and then only to the extent of the inconsistency.

Source: 12 CFR Part 1016 — Regulation P (Privacy of Consumer Financial Information, CFPB) § 1016.17 · source URL · snapshot 05288dc52a04b880

12 CFR §1016.17(b)

(b) Greater protection under state law. For purposes of this section, a state statute, regulation, order, or interpretation is not inconsistent with the provisions of this part if the protection such statute, regulation, order, or interpretation affords any consumer is greater than the protection provided under this part, as determined by the Bureau, on its own motion or upon the petition of any interested party, after consultation with the agency or authority with jurisdiction under section 505(a) of the GLB Act (15 U.S.C. 6805(a)) over either the person that initiated the complaint or that is the subject of the complaint.

Source: 12 CFR Part 1016 — Regulation P (Privacy of Consumer Financial Information, CFPB) § 1016.17 · source URL · snapshot 05288dc52a04b880

Get this regulation in your AI window

Put the verbatim text and its effective date in front of your assistant, instead of whatever it remembers.

Open in Claude Open in ChatGPT

Open in Claude shows the one-time setup: paste one address, no account with us. Open in ChatGPT asks ChatGPT about this page, with no setup. Either way it’s free.

Get notified if this rule changes

One email when 12 CFR Part 1016 — Regulation P (Privacy of Consumer Financial Information, CFPB) § 1016.17 — Relation to state laws changes: what changed, the new verbatim text, and the effective date. Nothing else.

Double opt-in: we send a confirmation link first. Following one section does not subscribe you to anything else. Privacy.

Source of record: https://claudeforcompliance.com/regs/reg-p-1016-17/ · register reg-p-1016-17 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.