---
kind: "section"
citation: "15 U.S.C. § 1679i"
title: "15"
title_heading: "Commerce and Trade"
number: "1679i"
heading: "Statute of limitations"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/1679i"
units:
  - "Chapter 41 — Consumer Credit Protection"
  - "Subchapter II–A — Credit Repair Organizations"
---

# §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](/usc/15/1679a.md?p=3) has materially and willfully misrepresented any information which—
  - (A) the [credit repair organization](/usc/15/1679a.md?p=3) is required, by any provision of this subchapter, to disclose to any [consumer](/usc/15/1679a.md?p=1); and
  - (B) is material to the establishment of the [credit repair organization](/usc/15/1679a.md?p=3)’s liability to the [consumer](/usc/15/1679a.md?p=1) under this subchapter,

  the end of the 5-year period beginning on the date of the discovery by the [consumer](/usc/15/1679a.md?p=1) of the misrepresentation.


## 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.)

## Notes

### 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.