U.S. Code » Title 15 » Chapter CHAPTER 41— CONSUMER CREDIT PROTECTION › Subchapter SUBCHAPTER II–A— CREDIT REPAIR ORGANIZATIONS

15 U.S.C. § 1679d

Credit repair organizations contracts

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(a) Written contracts requiredNo services may be provided by any credit repair organization for any consumer—(1) unless a written and dated contract (for the purchase of such services) which meets the requirements of subsection (b) has been signed by the consumer; or(2) before the end of the 3-business-day period beginning on the date the contract is signed.(b) Terms and conditions of contractNo contract referred to in subsection (a) meets the requirements of this subsection unless such contract includes (in writing)—(1) the terms and conditions of payment, including the total amount of all payments to be made by the consumer to the credit repair organization or to any other person;(2) a full and detailed description of the services to be performed by the credit repair organization for the consumer, including—(A) all guarantees of performance; and(B) an estimate of—(i) the date by which the performance of the services (to be performed by the credit repair organization or any other person) will be complete; or(ii) the length of the period necessary to perform such services;(3) the credit repair organization’s name and principal business address; and(4) a conspicuous statement in bold face type, in immediate proximity to the space reserved for the consumer’s signature on the contract, which reads as follows: “You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right.”.(Pub. L. 90–321, title IV, § 406, as added Pub. L. 104–208, div. A, title II, § 2451, Sept. 30, 1996, 110 Stat. 3009–458.)Editorial NotesPrior Provisions

For a prior section 406 of Pub. L. 90–321, see note set out under section 1679 of this title.

Statutory Notes and Related SubsidiariesEffective 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.

Notes of Decisions
Cited in 16 cases (6 in the last 5 years), 1998–2025 · leading case: Hillis v. Equifax Consum. Servs., Inc., 237 F.R.D. 491 (N.D. Ga. 2006).
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Hillis v. Equifax Consum. Servs., Inc., 237 F.R.D. 491 (N.D. Ga. 2006). · cites it 3× “§ 1679c; (3) failing to enter into written contracts in violation in 15 U.S.C. § 1679d; and (4) failing to provide written notices of cancellation rights in violation of 15 U.”
Taylor-Burns v. AR Resources, Inc., 268 F. Supp. 3d 592 (S.D.N.Y. 2017). · cites it 4× “§ 1679c; • Failure to have a dated contract — 15 U.S.C. § 1679d(a)(l); • Failure to provide a full and detailed description of the services to be pro- : vided — 15 U.”
Fed. Trade Comm'n v. RCA Credit Servs., LLC, 727 F. Supp. 2d 1320 (M.D. Fla. 2010). · cites it 2× “See 15 U.S.C. § 1679d(a), (b). The contract must contain “a conspicuous statement in bold face type, in immediate proximity to the space reserved for the consumer’s signature on the contract,” stating that the consumer may cancel the contract without penalty or obligation at any…”
In Re Nat'l Credit Mgmt. Grp., L.L.C., 21 F. Supp. 2d 424 (D.N.J. 1998). · cites it 2× “The Plaintiffs also contend the Defendants are free to charge any conscionable price the market will bear for its services.”
Zimmermann v. Cambridge Credit Counseling Corp., 529 F. Supp. 2d 254 (D. Mass. 2008). “§ 1679c(a); (2) include certain items in their service agreement as mandated by 15 U.S.C. § 1679d, such as “the total amount of all payments to be made by the consumer to the” CRO, “a full and detailed de *279 scription of the services to be performed,” and a “conspicuous…”
In Re Zuniga, 332 B.R. 760 (Bankr. S.D. Tex. 2005). “[Findings of Fact, ¶ 5.] This practice is also prohibited by § 1679.”
Plattner v. Edge Solutions, Inc., 422 F. Supp. 2d 969 (N.D. Ill. 2006). “§ 1679c prior to entering into the contract for services (Count II); (3) that the contract between Plattner and Edge did not contain terms required by 15 U.S.C. § 1679d(l) and (4) (Count III); and (4) that Edge did not provide Plattner with the cancellation form and disclosures…”
Polacsek v. Debticated Consum. Counseling, Inc., 413 F. Supp. 2d 539 (D. Maryland 2005). “Finally, CROA establishes minimum requirements with respect to the contents of credit repair organization contracts, 15 U.S.C. § 1679d, and the right to cancel same.”
United States v. Cornerstone Wealth Corp., Inc., 549 F. Supp. 2d 811 (N.D. Tex. 2008). “Specifically, in the 2006 Order the court held that defendants’ practice of providing services before the expiration of a three-day rescission period violated 15 U.S.C. § 1679d. Id. at *2-*5. The court also held that, under the guise of a guarantee service plan, defendants had…”
Helms v. Consumerinfo.com, Inc., 236 F.R.D. 561 (N.D. Ala. 2005). “§ 1679c, (3) did not receive the written contract required by 15 U.S.C. § 1679d, and/or (4) did not receive a cancellation form and other information required by 15 U.”
Parrott v. Gemini Direct, LLC (W.D. Ky. 2024). · cites it 8× “’” 15 U.S.C.S. § 1679d. Under the CROA, “[a]ny contract for services which does not comply with the applicable provisions of this title, (1) shall be treated as void; and (2) may not be enforced by any Federal or State court or any other person.”
Yost v. Elon Prop. Mgmt., LLC (D. Maryland 2023). “§ 1679c before collecting monies for credit repair services,” and to “have consumers enter into contracts for credit repair services without the mandated contract terms and provisions required under 15 U.S.C. § 1679d and e”. ECF 20, ¶¶ 29, 30.”
Show all 16 citing cases →
— 15 U.S.C. § 1679d(4) — 2 cases
Beech v. Litig. Practice Grp., PC (S.D. Miss. 2024).
Beech v. Litig. Practice Grp., PC (S.D. Miss. 2024).
— 15 U.S.C. § 1679d(a) — 2 cases
Fed. Trade Comm'n v. RCA Credit Servs., LLC, 727 F. Supp. 2d 1320 (M.D. Fla. 2010). “See 15 U.S.C. § 1679d(a), (b). The contract must contain “a conspicuous statement in bold face type, in immediate proximity to the space reserved for the consumer’s signature on the contract,” stating that the consumer may cancel the contract without penalty or obligation at any…”
In Re Nat'l Credit Mgmt. Grp., L.L.C., 21 F. Supp. 2d 424 (D.N.J. 1998). “The Plaintiffs also contend the Defendants are free to charge any conscionable price the market will bear for its services.”
— 15 U.S.C. § 1679d(a)(2) — 1 case
Arzate v. Awesome Life Grp., LLC (W.D. Pa. 2025).
— 15 U.S.C. § 1679d(a)(l) — 1 case
Taylor-Burns v. AR Resources, Inc., 268 F. Supp. 3d 592 (S.D.N.Y. 2017). “§ 1679c; • Failure to have a dated contract — 15 U.S.C. § 1679d(a)(l); • Failure to provide a full and detailed description of the services to be pro- : vided — 15 U.”
— 15 U.S.C. § 1679d(b) — 1 case
Parrott v. Gemini Direct, LLC (W.D. Ky. 2024). “’” 15 U.S.C.S. § 1679d. Under the CROA, “[a]ny contract for services which does not comply with the applicable provisions of this title, (1) shall be treated as void; and (2) may not be enforced by any Federal or State court or any other person.”
— 15 U.S.C. § 1679d(b)(1) — 1 case
Parrott v. Gemini Direct, LLC (W.D. Ky. 2024). “’” 15 U.S.C.S. § 1679d. Under the CROA, “[a]ny contract for services which does not comply with the applicable provisions of this title, (1) shall be treated as void; and (2) may not be enforced by any Federal or State court or any other person.”
— 15 U.S.C. § 1679d(b)(2) — 1 case
Taylor-Burns v. AR Resources, Inc., 268 F. Supp. 3d 592 (S.D.N.Y. 2017). “§ 1679c; • Failure to have a dated contract — 15 U.S.C. § 1679d(a)(l); • Failure to provide a full and detailed description of the services to be pro- : vided — 15 U.”
— 15 U.S.C. § 1679d(b)(2)(B)(i) — 1 case
Taylor-Burns v. AR Resources, Inc., 268 F. Supp. 3d 592 (S.D.N.Y. 2017). “§ 1679c; • Failure to have a dated contract — 15 U.S.C. § 1679d(a)(l); • Failure to provide a full and detailed description of the services to be pro- : vided — 15 U.”
— 15 U.S.C. § 1679d(b)(2)(ii) — 1 case
Parrott v. Gemini Direct, LLC (W.D. Ky. 2024). “’” 15 U.S.C.S. § 1679d. Under the CROA, “[a]ny contract for services which does not comply with the applicable provisions of this title, (1) shall be treated as void; and (2) may not be enforced by any Federal or State court or any other person.”
— 15 U.S.C. § 1679d(b)(3) — 1 case
Taylor-Burns v. AR Resources, Inc., 268 F. Supp. 3d 592 (S.D.N.Y. 2017). “§ 1679c; • Failure to have a dated contract — 15 U.S.C. § 1679d(a)(l); • Failure to provide a full and detailed description of the services to be pro- : vided — 15 U.”
— 15 U.S.C. § 1679d(b)(4) — 2 cases
Fed. Trade Comm'n v. RCA Credit Servs., LLC, 727 F. Supp. 2d 1320 (M.D. Fla. 2010). “See 15 U.S.C. § 1679d(a), (b). The contract must contain “a conspicuous statement in bold face type, in immediate proximity to the space reserved for the consumer’s signature on the contract,” stating that the consumer may cancel the contract without penalty or obligation at any…”
Parrott v. Gemini Direct, LLC (W.D. Ky. 2024). “’” 15 U.S.C.S. § 1679d. Under the CROA, “[a]ny contract for services which does not comply with the applicable provisions of this title, (1) shall be treated as void; and (2) may not be enforced by any Federal or State court or any other person.”
— 15 U.S.C. § 1679d(l) — 1 case
Plattner v. Edge Solutions, Inc., 422 F. Supp. 2d 969 (N.D. Ill. 2006). “§ 1679c prior to entering into the contract for services (Count II); (3) that the contract between Plattner and Edge did not contain terms required by 15 U.S.C. § 1679d(l) and (4) (Count III); and (4) that Edge did not provide Plattner with the cancellation form and disclosures…”
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