Title 15, Commerce and TradeRelease 119-110
§1679i Statute of Limitations
Title 15 › CHAPTER 41 — CONSUMER CREDIT PROTECTION › SUBCHAPTER II–A — CREDIT REPAIR ORGANIZATIONS › § 1679i
Summary
You can only sue to enforce a claim under this part within one of two five-year time limits, and you get whichever ends later. The first is five years from the date the violation happened. The second, if a credit repair company knowingly made an important false or misleading statement it had to give you, is five years from when you discovered that misrepresentation.
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,
the end of the 5-year period beginning on the date of the discovery by the consumer of the misrepresentation.
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
Sep 22, 2026
Release point: 119-110