Repossessions: 14.2.10.4 Relation of Federal and State Law Standards
The CLA states that it does “not annul, alter, or affect, or exempt any person . . . from complying with, the laws of any State with respect to consumer leases, except to the extent that those laws are inconsistent with any [CLA] provision.”259 State laws providing greater protection to consumers are not inconsistent with the CLA.260 Consequently, state laws that provide for the same or a lower early termination charge than the CLA standard remain effective and are not preempted.