15 USC § 1679i - Statute of limitations

---
identifier: "/us/usc/t15/s1679i"
source: "usc"
legal_status: "official_prima_facie"
title: "15 USC § 1679i - Statute of limitations"
title_number: 15
title_name: "COMMERCE AND TRADE"
section_number: "1679i"
section_name: "Statute of limitations"
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, § 411, as added Pub. L. 104–208, div. A, title II, § 2451, Sept. 30, 1996, 110 Stat. 3009–461.)"
---


# § 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—

the end of the 5-year period beginning on the date of the discovery by the consumer of the misrepresentation.

**(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,

---

**Source Credit**: (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 , except with respect to contracts entered into by a credit repair organization before the end of such period, see , as added by , set out as a note under .