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15 U.S.C. 1679i: Statute of limitationsText contains those laws in effect through Public Law 119-120 (October 7, 2026).
From Title 15-COMMERCE AND TRADECHAPTER 41-CONSUMER CREDIT PROTECTION
Jump To: Source CreditStatutory Notes and Related SubsidiariesEffective Date

§1679i. Statute of limitations

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

(1)  the end of the 5-year period beginning on the date of the occurrence of the violation involved; or

(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.

( Pub. L. 90–321, title IV, § 411 , as added Pub. L. 104–208, div. A, title II, § 2451 , Sept. 30, 1996 , 110 Stat. 3009–461 .)

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.