PUBLIC LAW 95-630—NOV. 10, 1978 "§ 919. Relation to State laws
92 STAT. 3741 15 USC I693q.
"This title does not annul, alter, or affect the laws of any State relating to electronic fund transfers, except to the extent that those laws are inconsistent with the provisions of this title, and then only to the extent of the inconsistency. A State law is not inconsistent with this title if the protection such law affords any consumer is greater than the protection afforded by this title. The Board shall, upon its own motion or upon the request of any financial institution. State, or other interested party, submitted in accordance with procedures prescribed in regulations of the Board, determine whether a State requirement is inconsistent or affords greater protection. If the Board determines that a State requirement is inconsistent, financial institutions shall incur no liability under the law of that State for a good faith failure to comply with that law, notwithstanding that such determination is subsequently amended, rescinded, or determined by judicial or other authority to be invalid for any reason. This title does not extend the applicability of any such law to any class of persons or transactions to which it would not otherwise apply. "§ 920. Exemption for State regulation 15 USC I693r. "The Board shall by regulation exempt from the requirements of this title any class of electronic fund transfers within any State if the Board 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 title, and that there is adequate provision for enforcement, "§ 921. Effective date 15 USC 1693 "This title takes effect upon the expiration of eighteen months °°*®* from the date of its enactment, except that sections 909 and 911 take effect upon the expiration of ninety days after the date of enactment.". TITLE X X I — EFFECTIVE DATE SEC. 2101. Except as otherwise provided herein, this Act shall take 12 USC 375b effect upon the expiration of one hundred and twenty days after the °otedate of its enactment. Approved November 10, 1978. LEGISLATIVE HISTORY: HOUSE REPORTS: No. 95-1115 accompanying H.R. 12157, No. 95-1315 accompanying H.R. 13007, and No. 95-1383 accompanying H.R. 13471 all from (Comm. on Banking, Finance and Urban Affairs). SENATE REPORTS: No. 95-323 accompanying S. 71, No. 95-844 accompanying S. 3077, No. 95-915 accompanying S. 3156, and No. 95-1273 accompanying S. 3499 all from (Comm. on Banking, Housing, and Urban Affairs) and No. 95-1039 accompanying S. 3077 (Comm. on Environmental and Public Works). CONGRESSIONAL RECORD, Vol. 124 (1978): July 27, H.R. 12157 considered and passed House. Aug. 5, S. 71 considered and passed Senate. Aug. 11, H.R. 13007 considered and passed House. Oct. 11, considered and passed House. Oct. 12, considered and passed Senate, amended. Oct. 15, House concurred in Senate amendments with amendments; Senate concurred in House amendments.
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