affiliate company or another entity with which 
the Credit Corporation has a business relation-
ship. 
(g) NATIONAL CONSUMER CREDIT CORPORATION 
REGULATORY FEE.—Each Credit Corporation shall pay 
to the Comptroller an annual fee in an amount that the 
Comptroller determines is sufficient, in the aggregate of 
all such fees paid by Credit Corporations, to offset the 
cost to the Comptroller of carrying out the provisions of 
this Act. 
(h) CHARTER SUSPENSION OR REVOCATION.—The 
Comptroller, pursuant to procedures established in regula-
tions prescribed by the Comptroller, may suspend or re-
voke the charter of a Credit Corporation if there has been 
a material failure by the Corporation to comply with the 
requirements set forth in the charter, provisions of this 
Act, or other applicable statutes or regulations. 
(i) INTERNET
AND BRICK
AND MORTAR LOCA-
TIONS.—Neither the Comptroller nor any State or other 
party shall prohibit a Credit Corporation from conducting 
its business operations and providing financial products 
or services through the Internet or in office or retail loca-
tions it owns or leases or those owned or leased by an 
affiliated company, a joint venture, or a third-party busi-
ness that the Credit Corporation has established a busi-
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ness relationship in connection with providing such prod-
ucts or services. 
(j) USURY LIMIT.—Neither the Comptroller, nor any 
governmental entity shall have the authority to establish, 
directly or indirectly, a usury limit or cap on the rate of 
interest, fees, or other charges applicable to an extension 
of credit offered a consumer or small business pursuant 
to this Act. 
(k) RELATIONSHIP TO OTHER FEDERAL AND STATE 
LAWS.— 
(1) FEDERAL LAW.—A Credit Corporation is 
subject to all otherwise applicable provisions of Fed-
eral statutes and regulations, including the con-
sumer financial protection laws listed under section 
1002(12) of the Consumer Financial Protection Act 
of 2010 (12 U.S.C. 5481(12)) and regulations estab-
lished pursuant to this Act. 
(2) STATE LAW.—A Credit Corporation, or an 
employee, agent, or other business partner of a 
Credit Corporation, shall not be subject to— 
(A) State laws that relate to office loca-
tion, licensing, education, or training that apply 
to the operations of a Credit Corporation, or its 
employees, agents, or other business partners to 
the extent that these operations relate to the 
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exercise of its powers or authorities under this 
Act and implementing regulations to provide fi-
nancial products and services to underserved 
consumers and small businesses; or 
(B) other State laws that— 
(i) have a discriminatory effect on a 
Credit Corporation compared to the effect 
of such laws on any other depository or 
nondepository creditor chartered or li-
censed in that State; 
(ii) consistent with the legal standard 
for preemption in the decision of the Su-
preme Court of the United States in 
Barnett Bank of Marion County, N.A. v. 
Nelson, Florida Insurance Commissioner, 
et al., 517 U.S. 25 (1996), prevent or sig-
nificantly interfere with the exercise by a 
Credit Corporation of its powers, including 
such Corporation’s ability to offer financial 
products approved by the Comptroller to 
consumers or small businesses; or 
(iii) are preempted by any provision of 
Federal law. 
(3) DETERMINATION
OF
PREEMPTION.—Any 
regulation or order of the Comptroller or any court 
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of competent jurisdiction may make a determination 
that a State law prevents or significantly interferes 
with the exercise by a Credit Corporation of its pow-
ers on a case-by-case basis, in accordance with appli-
cable law. 
(l) ENFORCEMENT.— 
(1) IN
GENERAL.—The Comptroller may en-
force in any court of competent jurisdiction the pro-
visions of this Act, regulations prescribed pursuant 
to this Act, and cease and desist or other orders or 
regulatory requirements imposed by the Comptroller. 
(2) ACTION BY STATE.—The attorney general 
(or the equivalent thereof) of any State shall have 
the power to investigate violations of this Act or im-
plementing regulations prescribed by the Comp-
troller, and may bring a civil enforcement action in 
the name of such State against a Credit Corporation 
in any district court of the United States in the 
State or in State court that has jurisdiction over the 
defendant and to secure remedies under provisions 
of this Act or remedies otherwise provided under 
other law. 
(3) CONSULTATION REQUIRED.— 
(A) NOTICE.— 
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(i) IN
GENERAL.—Before initiating 
any action in a court or other administra-
tive or regulatory proceeding against any 
Credit Corporation as authorized by this 
Act to enforce any provision of this Act, 
including any regulation prescribed by the 
Comptroller, 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 Comptroller. 
(ii) 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 no-
tice to the Comptroller immediately upon 
instituting the action or proceeding. 
(iii) CONTENTS OF NOTICE.—The no-
tification 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 
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