12 USC § 1465 - State law preemption standards for Federal savings associations clarified

---
identifier: "/us/usc/t12/s1465"
source: "usc"
legal_status: "official_prima_facie"
title: "12 USC § 1465 - State law preemption standards for Federal savings associations clarified"
title_number: 12
title_name: "BANKS AND BANKING"
section_number: "1465"
section_name: "State law preemption standards for Federal savings associations clarified"
chapter_number: 12
chapter_name: "SAVINGS ASSOCIATIONS"
positive_law: false
currency: "119-84"
last_updated: "2026-04-17"
format_version: "1.1.0"
generator: "[email protected]"
source_credit: "(June 13, 1933, ch. 64, § 6, as added and amended Pub. L. 111–203, title X, §§ 1046(a), 1047(b), July 21, 2010, 124 Stat. 2017, 2018.)"
---


# § 1465. State law preemption standards for Federal savings associations clarified

**(a)** **In general** Any determination by a court or by the Director or any successor officer or agency regarding the relation of State law to a provision of this chapter or any regulation or order prescribed under this chapter shall be made in accordance with the laws and legal standards applicable to national banks regarding the preemption of State law.

**(b)** **Principles of conflict preemption applicable** Notwithstanding the authorities granted under sections 1463 and 1464 of this title, this chapter does not occupy the field in any area of State law.

**1** **Visitorial powers** [^1]

The provisions of sections  25b(i) of this title shall apply to Federal savings associations, and any subsidiary thereof, to the same extent and in the same manner as if such savings associations, or subsidiaries thereof, were national banks or subsidiaries of national banks, respectively.

So in original. Probably should be “section”.

**(d)** **Enforcement actions** section 45 of title 15

The ability of the Comptroller of the Currency to bring an enforcement action under this chapter or  does not preclude any private party from enforcing rights granted under Federal or State law in the courts.

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**Source Credit**: (June 13, 1933, ch. 64, § 6, as added and amended Pub. L. 111–203, title X, §§ 1046(a), 1047(b), July 21, 2010, 124 Stat. 2017, 2018.)

## Editorial Notes

### Prior Provisions

A prior section 1465, acts , ; , ; , ; , , , which related to liquid asset requirements, was repealed by , , .

### Amendments

2010—Subsecs. (c), (d). , added subsecs. (c) and (d).

## Statutory Notes and Related Subsidiaries

### Effective Date

Enactment and amendment of section by  effective on the designated transfer date, see , set out as a note under .