diff --git a/bumpversion/config.py b/bumpversion/config.py
index 660915c2..fa552591 100644
--- a/bumpversion/config.py
+++ b/bumpversion/config.py
@@ -201,7 +201,7 @@ def find_config_file(explicit_file: Union[str, Path, None] = None) -> Union[Path
     """
     search_paths = [Path(explicit_file)] if explicit_file else CONFIG_FILE_SEARCH_ORDER
     return next(
-        (config_file for config_file in search_paths if config_file.exists()),
+        (cfg_file for cfg_file in search_paths if cfg_file.exists() and "bumpversion]" in cfg_file.read_text()),
         None,
     )
 
diff --git a/tests/fixtures/basic_cfg.toml b/tests/fixtures/basic_cfg.toml
index f9e9d21e..a1b14936 100644
--- a/tests/fixtures/basic_cfg.toml
+++ b/tests/fixtures/basic_cfg.toml
@@ -23,8 +23,8 @@ tag = true
 current_version = "1.0.0"
 parse = "(?P<major>\\d+)\\.(?P<minor>\\d+)\\.(?P<patch>\\d+)(\\-(?P<release>[a-z]+))?"
 serialize = [
-	"{major}.{minor}.{patch}-{release}",
-	"{major}.{minor}.{patch}"
+    "{major}.{minor}.{patch}-{release}",
+    "{major}.{minor}.{patch}"
 ]
 [[tool.bumpversion.files]]
 filename = "setup.py"
diff --git a/tests/test_config.py b/tests/test_config.py
index fadba1e1..78bde117 100644
--- a/tests/test_config.py
+++ b/tests/test_config.py
@@ -112,15 +112,28 @@ def test_file_keyword_with_suffix_is_accepted(tmp_path: Path, cfg_file: str, cfg
 
 
 def test_multiple_config_files(tmp_path: Path):
+    """If there are multiple config files, the first one with content wins."""
     setup_cfg = tmp_path / "setup.cfg"
-    setup_cfg.write_text("[bumpversion]\n" "current_version: 0.10.2\n" "tag: true\n")
+    setup_cfg.write_text("[metadata]\nname: just-a-name\n")
     bumpversion_cfg = tmp_path / ".bumpversion.cfg"
-    bumpversion_cfg.write_text("[bumpversion]\n" "current_version: 0.10.2\n" "tag: false\n")
-
-    cfg_file = config.find_config_file()
-    cfg = config.get_configuration(cfg_file)
+    bumpversion_cfg.write_text("\n")
+    pyproject_toml = tmp_path / "pyproject.toml"
+    pyproject_toml.write_text(
+        "[tool.bumpversion]\n"
+        'current_version = "0.10.5"\n'
+        'parse = "(?P<major>\\\\d+)\\\\.(?P<minor>\\\\d+)\\\\.(?P<patch>\\\\d+)(\\\\-(?P<release>[a-z]+))?"\n'
+        "serialize = [\n"
+        '    "{major}.{minor}.{patch}-{release}",\n'
+        '    "{major}.{minor}.{patch}"\n'
+        "]\n"
+    )
+    with inside_dir(tmp_path):
+        cfg_file = config.find_config_file()
+        cfg = config.get_configuration(cfg_file)
 
-    assert cfg.tag is True
+    assert cfg.current_version == "0.10.5"
+    assert cfg.parse == "(?P<major>\\d+)\\.(?P<minor>\\d+)\\.(?P<patch>\\d+)(\\-(?P<release>[a-z]+))?"
+    assert cfg.serialize == ["{major}.{minor}.{patch}-{release}", "{major}.{minor}.{patch}"]
 
 
 def test_utf8_message_from_config_file(tmp_path: Path, cfg_file):