# 12 CFR § 1004.3: Preemption of State law

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/ecfr-12-1004.3

## Section

- **Citation:** 12 CFR § 1004.3
- **Heading:** Preemption of State law
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** September 22, 2026
- **Source:** Publisher's official text
- **Location:** Title 12—Banks and Banking > CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU > PART 1004—ALTERNATIVE MORTGAGE TRANSACTION PARITY (REGULATION D)

## Text

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.

## Nearby sections

- [12 CFR § 1001.1 § 1001.1 Authority and purpose.](https://www.frixlaw.com/law-library/statutes/ecfr-12-1001.1.md)
- [12 CFR § 1001.2 § 1001.2 Definitions.](https://www.frixlaw.com/law-library/statutes/ecfr-12-1001.2.md)
- [12 CFR § 1003.1 § 1003.1 Authority, purpose, and scope.](https://www.frixlaw.com/law-library/statutes/ecfr-12-1003.1.md)
- [12 CFR § 1003.3 § 1003.3 Exempt institutions and excluded and partially exempt transactions.](https://www.frixlaw.com/law-library/statutes/ecfr-12-1003.3.md)
- [12 CFR § 1003.4 § 1003.4 Compilation of reportable data.](https://www.frixlaw.com/law-library/statutes/ecfr-12-1003.4.md)
- [12 CFR § 1003.5 § 1003.5 Disclosure and reporting.](https://www.frixlaw.com/law-library/statutes/ecfr-12-1003.5.md)
- [12 CFR § 1003.6 § 1003.6 Enforcement.](https://www.frixlaw.com/law-library/statutes/ecfr-12-1003.6.md)
- [12 CFR § 1004.1 § 1004.1 Authority, purpose, and scope.](https://www.frixlaw.com/law-library/statutes/ecfr-12-1004.1.md)
- [12 CFR § 1004.3 § 1004.3 Preemption of State law.](https://www.frixlaw.com/law-library/statutes/ecfr-12-1004.3.md)
- [12 CFR § 1004.4 § 1004.4 Requirements for alternative mortgage transactions.](https://www.frixlaw.com/law-library/statutes/ecfr-12-1004.4.md)
- [12 CFR § 1007.102 § 1007.102 Definitions.](https://www.frixlaw.com/law-library/statutes/ecfr-12-1007.102.md)
- [12 CFR § 1007.103 § 1007.103 Registration of mortgage loan originators.](https://www.frixlaw.com/law-library/statutes/ecfr-12-1007.103.md)
- [12 CFR § 1007.105 § 1007.105 Use of unique identifier.](https://www.frixlaw.com/law-library/statutes/ecfr-12-1007.105.md)
- [12 CFR § 1008.1 § 1008.1 Purpose.](https://www.frixlaw.com/law-library/statutes/ecfr-12-1008.1.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/ecfr-12-1004.3. Check the current official text before relying on it. Not legal advice.