Preemption of directly conflicting State laws

(a) In general Nothing in this Act may be construed to preempt, displace, or supplant any State law, except to the extent that a provision of State law conflicts with a provision of this Act, and then only to the extent of the conflict. (b) Greater protection under State law For purposes of this section, a provision of State law does not conflict with a provision of this Act if such provision of State law provides additional protections to consumers protected under this Act. (c) Conflicting time frames Any difference between Federal and State law in the time frame in which a requirement imposed on a person shall be met shall be considered a conflict for purposes of subsection (a).