U.S. Code » Title 12 » Chapter CHAPTER 53— WALL STREET REFORM AND CONSUMER PROTECTION › Subchapter SUBCHAPTER V— BUREAU OF CONSUMER FINANCIAL PROTECTION › Part Part D— Preservation of State Law

12 U.S.C. § 5552

Preservation of enforcement powers of States

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(a) In general(1) Action by State

Except as provided in paragraph (2), the attorney general (or the equivalent thereof) of any State may bring a civil action in the name of such State in any district court of the United States in that State or in State court that is located in that State and that has jurisdiction over the defendant, to enforce provisions of this title 11 See References in Text note below. or regulations issued under this title,1 and to secure remedies under provisions of this title 1 or remedies otherwise provided under other law. A State regulator may bring a civil action or other appropriate proceeding to enforce the provisions of this title 1 or regulations issued under this title 1 with respect to any entity that is State-chartered, incorporated, licensed, or otherwise authorized to do business under State law (except as provided in paragraph (2)), and to secure remedies under provisions of this title 1 or remedies otherwise provided under other provisions of law with respect to such an entity.

(2) Action by State against national bank or Federal savings association to enforce rules(A) In general

Except as permitted under subparagraph (B), the attorney general (or equivalent thereof) of any State may not bring a civil action in the name of such State against a national bank or Federal savings association to enforce a provision of this title.1

(B) Enforcement of rules permitted

The attorney general (or the equivalent thereof) of any State may bring a civil action in the name of such State against a national bank or Federal savings association in any district court of the United States in the State or in State court that is located in that State and that has jurisdiction over the defendant to enforce a regulation prescribed by the Bureau under a provision of this title 1 and to secure remedies under provisions of this title 1 or remedies otherwise provided under other law.

(3) Rule of construction

No provision of this title 1 shall be construed as modifying, limiting, or superseding the operation of any provision of an enumerated consumer law that relates to the authority of a State attorney general or State regulator to enforce such Federal law.

(b) Consultation required(1) Notice(A) In general

Before initiating any action in a court or other administrative or regulatory proceeding against any covered person as authorized by subsection (a) to enforce any provision of this title,1 including any regulation prescribed by the Bureau under this title,1 a State attorney general or State regulator shall timely provide a copy of the complete complaint to be filed and written notice describing such action or proceeding to the Bureau and the prudential regulator, if any, or the designee thereof.

(B) Emergency action

If prior notice is not practicable, the State attorney general or State regulator shall provide a copy of the complete complaint and the notice to the Bureau and the prudential regulator, if any, immediately upon instituting the action or proceeding.

(C) Contents of noticeThe notification required under this paragraph shall, at a minimum, describe—(i) the identity of the parties;(ii) the alleged facts underlying the proceeding; and(iii) whether there may be a need to coordinate the prosecution of the proceeding so as not to interfere with any action, including any rulemaking, undertaken by the Bureau, a prudential regulator, or another Federal agency.(2) Bureau responseIn any action described in paragraph (1), the Bureau may—(A) intervene in the action as a party;(B) upon intervening—(i) remove the action to the appropriate United States district court, if the action was not originally brought there; and(ii) be heard on all matters arising in the action; and(C) appeal any order or judgment, to the same extent as any other party in the proceeding may.(c) Regulations

The Bureau shall prescribe regulations to implement the requirements of this section and, from time to time, provide guidance in order to further coordinate actions with the State attorneys general and other regulators.

(d) Preservation of State authority(1) State claims

No provision of this section shall be construed as altering, limiting, or affecting the authority of a State attorney general or any other regulatory or enforcement agency or authority to bring an action or other regulatory proceeding arising solely under the law in effect in that State.

(2) State securities regulators

No provision of this title 1 shall be construed as altering, limiting, or affecting the authority of a State securities commission (or any agency or office performing like functions) under State law to adopt rules, initiate enforcement proceedings, or take any other action with respect to a person regulated by such commission or authority.

(3) State insurance regulators

No provision of this title 1 shall be construed as altering, limiting, or affecting the authority of a State insurance commission or State insurance regulator under State law to adopt rules, initiate enforcement proceedings, or take any other action with respect to a person regulated by such commission or regulator.

(Pub. L. 111–203, title X, § 1042, July 21, 2010, 124 Stat. 2012.)Editorial NotesReferences in Text

This title, referred to in subsecs. (a), (b)(1)(A), and (d)(2), (3), is title X of Pub. L. 111–203, July 21, 2010, 124 Stat. 1955, known as the Consumer Financial Protection Act of 2010, which enacted this subchapter and enacted, amended, and repealed numerous other sections and notes in the Code. For complete classification of title X to the Code, see Short Title note set out under section 5301 of this title and Tables.

Statutory Notes and Related SubsidiariesEffective Date

Section effective on the designated transfer date, see section 1048 of Pub. L. 111–203, set out as a note under section 5551 of this title.

Notes of Decisions
Cited in 14 cases (10 in the last 5 years), 2017–2026 · leading case: Pennsylvania v. Navient Corp., 354 F. Supp. 3d 529 (M.D. Penn. 2018).
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Pennsylvania v. Navient Corp., 354 F. Supp. 3d 529 (M.D. Penn. 2018). · cites it 9× “) While Navient agrees that the CFPA allows a state to file a civil action under the statute, 12 U.S.C. § 5552 (a) 3 , it argues that the text and structure of the remainder of § 5552 should lead the Court to conclude that § 5552(a) does not permit a state to bring an action…”
Commonwealth of Pennsylvania v. Navient Corp, 967 F.3d 273 (3rd Cir. 2020). · cites it 5× “vices of Philadelphia OPINION OF THE COURT AMBRO, Circuit Judge We decide two issues in this appeal: first, whether the Commonwealth of Pennsylvania may bring a parallel enforcement action against Navient Corporation and Navient Solutions, LLC (together, “Navient”) under the…”
Consum. Fin. Prot. Bureau v. Great Plains Lending, LLC, 846 F.3d 1049 (9th Cir. 2017). · cites it 3× “Under the Act, States are also authorized to “bring a civil action” to enforce provisions of the Act.”
Consum. Fin. Prot. Bureau v. RD Legal Funding, LLC, 332 F. Supp. 3d 729 (S.D. Ill. 2018). “12 U.S.C. § 5552 (a)(1) (authorizing state attorneys general to bring claims under the CFPA); (Pl.”
Commonwealth of Pennsylvania v. Mariner Fin., LLC (E.D. Pa. 2024). · cites it 25× “) 2 The CFPA, which prohibits “unfair, deceptive or abusive acts or practices,” delegates to state attorneys general the authority to bring Federal civil enforcement actions to enforce the Act and to “secure remedies” available under the Act , subject to a requirement that an…”
United States v. Reginald Hopkins, 106 F.4th 280 (3rd Cir. 2024). “§ 20507 (b)(2) (providing that a state may not remove a voter from its registration list for failure to vote unless specified exceptions apply); 12 U.S.C. § 5552 (a)(1), (2) (delegating to state attorneys general the authority to bring federal civil enforcement actions, but…”
Friess v. Mortg. Law Firm PC (D. Ariz. 2025). · cites it 5× “Friess’s complaint, 8 she seems to allege: (1) defendants violated 12 U.S.C. § 5552 (a)(1) and 12 U.S.C. § 5531 ; (2) defendants refused to answer Ms.”
State of Tennessee v. Ideal Horizon Benefits, LLC (E.D. Tenn. 2024). · cites it 4× “Specifically, Mosaic argues that the special venue provision in 12 U.S.C. § 5552 restricts an enforcement action brought by a State to a United States District Court located in that state.”
United States v. Reginald Hopkins (3rd Cir. 2024). “§ 20507 (b)(2) (providing that a state may not remove a voter from its registration list for failure to vote unless specified exceptions apply); 12 U.S.C. § 5552 (a)(1), (2) (delegating to state attorneys general the authority to bring federal civil enforcement actions, but…”
Friess v. Mortg. Law Firm PC (D. Ariz. 2024). “Also unavailing is Plaintiff’s reliance on 12 U.S.C. § 5552 (a)(1) (Doc. 1-1 at 172 16 ¶ 1A(ii)), because that statute vests authority in “the attorney general (or the equivalent 17 thereof) of any State” to bring certain types of civil actions.”
Consum. Fin. Prot. Bureau v. Commonwealth Equity Grp., LLC (D. Mass. 2024). “See 12 U.S.C. § 5552 (a)(1). C. Chapter 93A Chapter 93A of the Massachusetts General Laws prohibits credit services organizations from making or using any “untrue or misleading representations in the offer or sale of [credit 5 services] or from engag[ing], directly or…”
Consum. Fin. Prot. Bureau v. Nexus Servs., Inc. (W.D. Va. 2022). “, Micheal Donovan, Richard Moore, and Evan Ajin violated the Consumer Financial Protection Act (“CFPA”), 12 U.S.C. §§ 5552 , 5564, and similar state laws in administering “immigration bonds” for indigent consumers facing deportation.”
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