12 USC § 4312 - Effect on State law

---
identifier: "/us/usc/t12/s4312"
source: "usc"
legal_status: "official_prima_facie"
title: "12 USC § 4312 - Effect on State law"
title_number: 12
title_name: "BANKS AND BANKING"
section_number: "4312"
section_name: "Effect on State law"
chapter_number: 44
chapter_name: "TRUTH IN SAVINGS"
positive_law: false
currency: "119-84"
last_updated: "2026-04-17"
format_version: "1.1.0"
generator: "[email protected]"
source_credit: "(Pub. L. 102–242, title II, § 273, Dec. 19, 1991, 105 Stat. 2342; Pub. L. 102–550, title XVI, § 1604(e)(2)(R), Oct. 28, 1992, 106 Stat. 4084; Pub. L. 111–203, title X, § 1100B(1), July 21, 2010, 124 Stat. 2109.)"
---


# § 4312. Effect on State law

The provisions of this chapter do not supersede any provisions of the law of any State relating to the disclosure of yields payable or terms for accounts to the extent such State law requires the disclosure of such yields or terms for accounts, except to the extent that those laws are inconsistent with the provisions of this chapter, and then only to the extent of the inconsistency. The Bureau may determine whether such inconsistencies exist.

---

**Source Credit**: (Pub. L. 102–242, title II, § 273, Dec. 19, 1991, 105 Stat. 2342; Pub. L. 102–550, title XVI, § 1604(e)(2)(R), Oct. 28, 1992, 106 Stat. 4084; Pub. L. 111–203, title X, § 1100B(1), July 21, 2010, 124 Stat. 2109.)

## Editorial Notes

### Amendments

2010— substituted “Bureau” for “Board”.

1992— made technical amendment to references to “this chapter” wherever appearing to reflect correction of corresponding provision of original act.

## Statutory Notes and Related Subsidiaries

### Effective Date of 2010 Amendment

Amendment by  effective on the designated transfer date, see , set out as a note under , Government Organization and Employees.

### Effective Date of 1992 Amendment

Amendment by  effective as if included in the Federal Deposit Insurance Corporation Improvement Act of 1991, , as of , see , set out as a note under .