Title 15 — Commerce and TradeRelease 119-73

§1679i Statute of limitations

Title 15 › Chapter CHAPTER 41— - CONSUMER CREDIT PROTECTION › Subchapter SUBCHAPTER II–A— - CREDIT REPAIR ORGANIZATIONS › § 1679i

Last updated Apr 6, 2026|Official source

Summary

You may file a lawsuit to enforce these rules up to the later of two time limits. One limit is five years from the date the violation happened. The other applies if a credit repair company intentionally and significantly lied about information it was required to give consumers that matters to proving the company’s liability.

Full Legal Text

Title 15, §1679i

Commerce and Trade — Source: USLM XML via OLRC

Any action to enforce any liability under this subchapter may be brought before the later of— (1)

(2)in any case in which any credit repair organization has materially and willfully misrepresented any information which—

(A)the credit repair organization is required, by any provision of this subchapter, to disclose to any consumer; and

(B)is material to the establishment of the credit repair organization’s liability to the consumer under this subchapter,

Legislative History

Notes & Related Subsidiaries

Statutory Notes and Related Subsidiaries

Effective Date

Section applicable after the end of the 6-month period beginning on Sept. 30, 1996, except with respect to contracts entered into by a credit repair organization before the end of such period, see section 413 of Pub. L. 90–321, as added by Pub. L. 104–208, set out as a note under section 1679 of this title.

Reference

Citations & Metadata

Citation

15 U.S.C. § 1679i

Title 15 — Commerce and Trade

Last Updated

Apr 6, 2026

Release point: 119-73