§ 1004.3 Preemption of State law.

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Title 12—Banks and Banking > CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU > PART 1004—ALTERNATIVE MORTGAGE TRANSACTION PARITY (REGULATION D)

This text was captured on Sep 22, 2026. It is a snapshot, not a live feed, so check the official code before relying on it.

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Pursuant to 12 U.S.C. 3803, a State-chartered or -licensed housing creditor may make, purchase, and enforce alternative mortgage transactions in accordance with § 1004.4(a) through (c) of this part (as applicable), notwithstanding any provision of State law that restricts the ability of the housing creditor to adjust or renegotiate an interest rate or finance charge with respect to the transaction or to change the amount of interest or finance charges included in a regular periodic payment as a result of such an adjustment or renegotiation.

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