15 USC § 1679 - Findings and purposes

---
identifier: "/us/usc/t15/s1679"
source: "usc"
legal_status: "official_prima_facie"
title: "15 USC § 1679 - Findings and purposes"
title_number: 15
title_name: "COMMERCE AND TRADE"
section_number: "1679"
section_name: "Findings and purposes"
chapter_number: 41
chapter_name: "CONSUMER CREDIT PROTECTION"
subchapter_number: "II–A"
subchapter_name: "CREDIT REPAIR ORGANIZATIONS"
positive_law: false
currency: "119-84"
last_updated: "2026-04-17"
format_version: "1.1.0"
generator: "[email protected]"
source_credit: "(Pub. L. 90–321, title IV, § 402, as added Pub. L. 104–208, div. A, title II, § 2451, Sept. 30, 1996, 110 Stat. 3009–455.)"
---


# § 1679. Findings and purposes

**(a)** **Findings** The Congress makes the following findings:

**(1)** Consumers have a vital interest in establishing and maintaining their credit worthiness and credit standing in order to obtain and use credit. As a result, consumers who have experienced credit problems may seek assistance from credit repair organizations which offer to improve the credit standing of such consumers.

**(2)** Certain advertising and business practices of some companies engaged in the business of credit repair services have worked a financial hardship upon consumers, particularly those of limited economic means and who are inexperienced in credit matters.

**(b)** **Purposes** The purposes of this subchapter are—

**(1)** to ensure that prospective buyers of the services of credit repair organizations are provided with the information necessary to make an informed decision regarding the purchase of such services; and

**(2)** to protect the public from unfair or deceptive advertising and business practices by credit repair organizations.

---

**Source Credit**: (Pub. L. 90–321, title IV, § 402, as added Pub. L. 104–208, div. A, title II, § 2451, Sept. 30, 1996, 110 Stat. 3009–455.)

## Editorial Notes

### Prior Provisions

A prior title IV of , , , as amended by , , ; , , , which was set out as a note under , established a bipartisan National Commission on Consumer Finance to study the functioning and structure of the consumer finance industry as well as consumer credit transactions generally. The Commission was to submit a final report by , and was to cease to exist thereafter.

## Statutory Notes and Related Subsidiaries

### Effective Date

> “This title [enacting this subchapter] shall apply after the end of the 6-month period beginning on the date of the enactment of the Credit Repair Organizations Act [
> 
> ], except with respect to contracts entered into by a credit repair organization before the end of such period.”

, as added by , , , provided that:

### Short Title

This subchapter known as the “Credit Repair Organizations Act”, see Short Title note set out under .