12 CFR 557.13 : Banks And Banking (§ 1.1 To Parts 1816-1899) — (§ 500.1 To Parts 592-599) — Office Of Thrift Supervision, Department Of The Treasury (§ 500.1 To Parts 592-599) — Deposits (§ 557.1 To § 557.20) — Deposit Activities Of Federal Savings Associations (§ 557.10 To § 557.15) — What State laws affecting deposits are not preempted?

(a) The OTS has not preempted the following types of state law, to the extent that the law only incidentally affects your deposit-related activities or is otherwise consistent with the purposes of § 557.11:

(1) Contract and commercial law;

(2) Tort law; and

(3) Criminal law.

(b) The OTS will not preempt any other state law if the OTS, upon review, finds that the law:

(1) Furthers a vital state interest; and

(2) Either only incidentally affects your deposit-related activities or is not otherwise contrary to the purposes expressed in § 557.11.