Title 15, Commerce and TradeRelease 119-110

§1679f Noncompliance with This Subchapter

Title 15 › CHAPTER 41 — CONSUMER CREDIT PROTECTION › SUBCHAPTER II–A — CREDIT REPAIR ORGANIZATIONS › § 1679f

Last updated Sep 22, 2026|Official source

Summary

Any consumer waiver of protections or rights under this subchapter is void and cannot be enforced by any federal or state court or by anyone else. Trying to get a consumer to give such a waiver is a violation. Any service contract that doesn’t follow these rules is also void and unenforceable.

Full Legal Text

Title 15, §1679f

Commerce and Trade, Source: USLM XML via OLRC

(a)Consumer waivers invalid

Any waiver by any consumer of any protection provided by or any right of the consumer under this subchapter—

(1)shall be treated as void; and

(2)may not be enforced by any Federal or State court or any other person.

(b)Attempt to obtain waiver

Any attempt by any person to obtain a waiver from any consumer of any protection provided by or any right of the consumer under this subchapter shall be treated as a violation of this subchapter.

(c)Contracts not in compliance

Any contract for services which does not comply with the applicable provisions of this subchapter—

(1)shall be treated as void; and

(2)may not be enforced by any Federal or State court or any other person.

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. § 1679f

Title 15, Commerce and Trade

Last Updated

Sep 22, 2026

Release point: 119-110