The privacy provisions of the federal Gramm-Leach-Bliley Act do not preempt state laws unless they are inconsistent with the GLBA or fail to provide greater protection to consumers, according to the Federal Trade Commission. The FTC’s May 24 opinion was issued in response to a request by California-based Flagstar Bank, which asked whether the state’s Online Privacy Protection Act of 2003 is inconsistent with or preempted by the GLBA.