---
kind: "section"
citation: "15 U.S.C. § 1611"
title: "15"
title_heading: "Commerce and Trade"
number: "1611"
heading: "Criminal liability for willful and knowing violation"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/1611"
units:
  - "Chapter 41 — Consumer Credit Protection"
  - "Subchapter I — Consumer Credit Cost Disclosure"
  - "Part A — General Provisions"
---

# §1611. Criminal liability for willful and knowing violation


Whoever willfully and knowingly

- (1) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder,
- (2) uses any chart or table authorized by the [Bureau](/usc/15/1602.md?p=b) under [section 1606 of this title](/usc/15/1606.md) in such a manner as to consistently understate the annual percentage rate determined under [section 1606(a)(1)(A) of this title](/usc/15/1606.md?p=a-1-A), or
- (3) otherwise fails to comply with any requirement imposed under this subchapter,

shall be fined not more than $5,000 or imprisoned not more than one year, or both.


## Source credit

(Pub. L. 90–321, title I, § 112, May 29, 1968, 82 Stat. 151; Pub. L. 111–203, title X, § 1100A(2), July 21, 2010, 124 Stat. 2107.)

## Notes

### Editorial Notes

### Amendments

2010—Par. (2). Pub. L. 111–203 substituted “Bureau” for “Board”.

### Statutory Notes and Related Subsidiaries

### Effective Date of 2010 Amendment

Amendment by Pub. L. 111–203 effective on the designated transfer date, see section 1100H of Pub. L. 111–203, set out as a note under section 552a of Title 5, Government Organization and Employees.