Any action to enforce any liability under this subchapter may be brought before the later of—
the end of the 5-year period beginning on the date of the occurrence of the violation involved; or
in any case in which any credit repair organization has materially and willfully misrepresented any information which—
the credit repair organization is required, by any provision of this subchapter, to disclose to any consumer; and
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, § 411Pub. L. 104–208, div. A, title II, § 2451110 Stat. 3009–461(, as added , , .)
Statutory Notes and Related Subsidiaries
Effective Date
section 413 of Pub. L. 90–321Pub. L. 104–208section 1679 of this titleSection 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 .