15 U.S.C. § 1679e
Right to cancel contract
Any consumer may cancel any contract with any credit repair organization without penalty or obligation by notifying the credit repair organization of the consumer’s intention to do so at any time before midnight of the 3rd business day which begins after the date on which the contract or agreement between the consumer and the credit repair organization is executed or would, but for this subsection, become enforceable against the parties.
Each contract shall be accompanied by a form, in duplicate, which has the heading “Notice of Cancellation” and contains in bold face type the following statement:
“You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you.
“To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to [ name of credit repair organization ] at [ address of credit repair organization ] before midnight on [ date ]
“I hereby cancel this transaction,
[ date ]
[ purchaser’s signature ].”.
For a prior section 407 of Pub. L. 90–321, see note set out under section 1679 of this title.
Section applicable after the end of the 6-month period beginning on
Notes of Decisions
Cited in 12
cases (2 in the last 5 years), 1998–2025 · leading case: Hillis v. Equifax Consum. Servs., Inc., 237 F.R.D. 491 (N.D. Ga. 2006).
Hillis v. Equifax Consum. Servs., Inc., 237 F.R.D. 491 (N.D. Ga. 2006). “§ 1679d; and (4) failing to provide written notices of cancellation rights in violation of 15 U.S.C. § 1679e. Plaintiff also contends that Defendants made untrue or misleading representations regarding their credit repair services in violation of 15 U.”
Greenwood v. CompuCredit Corp., 615 F.3d 1204 (9th Cir. 2010). “§ 1681i provides a consumer with the right to obtain a copy of his credit report, and 15 U.S.C. § 1679e(a) provides a consumer with the right to cancel a contract with a credit repair organization within three business days.”
Fed. Trade Comm'n v. RCA Credit Servs., LLC, 727 F. Supp. 2d 1320 (M.D. Fla. 2010). “See 15 U.S.C. § 1679e(a), (b). It is undisputed that Defendants never provided this mandated disclosure in the prescribed form.”
Zimmermann v. Cambridge Credit Counseling Corp., 529 F. Supp. 2d 254 (D. Mass. 2008). “§ 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 statement” regarding cancellation rights; and (3) give consumers a separate cancellation form…”
Plattner v. Edge Solutions, Inc., 422 F. Supp. 2d 969 (N.D. Ill. 2006). “§ 1679d(l) and (4) (Count III); and (4) that Edge did not provide Plattner with the cancellation form and disclosures required under 15 U.S.C. § 1679e (Count IV). Edge does not dispute that it failed to comply with the asserted provisions of the CROA; rather, Edge argues that…”
Polacsek v. Debticated Consum. Counseling, Inc., 413 F. Supp. 2d 539 (D. Maryland 2005). “15 U.S.C. § 1679e. Although case law under CROA is not extensive, several cases have considered the extent to which the Act applies to different types of activities.”
In Re Nat'l Credit Mgmt. Grp., L.L.C., 21 F. Supp. 2d 424 (D.N.J. 1998). “The Plaintiffs also contend NCMG fails and has failed to provide consumers with cancellation notices which comply with 15 U.S.C. § 1679e (“Section 1679e”). See Moving Brief at 20.”
Rex v. CSA-Credit Solutions of Am., Inc., 507 F. Supp. 2d 788 (W.D. Mich. 2007). “1679g(a) (providing that a consumer may bring a civil claim against a credit repair organization that violates the CROA, as described in § 1679c(a) ¶ 4); 15 U.S.C.A. § 1679e(a) (West 2007) (providing that a consumer may cancel a contract with a credit repair organization within…”
Helms v. Consumerinfo.com, Inc., 236 F.R.D. 561 (N.D. Ala. 2005). “§ 1679d, and/or (4) did not receive a cancellation form and other information required by 15 U.S.C. § 1679e. 4 Because the Court concludes that continuing this action in class form is not a “superior” method of adjudication, as required by Rule 23(b)(3), the Plaintiffs motion…”
Beech v. Litig. Practice Grp., PC (S.D. Miss. 2024). “See 15 U.S.C. § 1679e. However, one of Plaintiff’s claims is that no cancellation rights were included in the contracts, see 1st Am.”
Carrington, Dennis v. Experian Info. Solutions, Inc. (W.D. Wis. 2020). “15 U.S.C.A. § 1679e(3). Consumer Services contends that Carrington’s claim under § 1679e(3) fails for the same reason as his claim under § 1679b(a)(4): Experian is not a “credit repair organization.”
United States v. Turbo Solutions Inc. (S.D. Tex. 2025). “15 U.S.C. § 1679e. Section 407 further requires that “[alny consumer who enters into any contract with any credit repair organization shall be given, by the organization—(1) a copy of the completed contract and the disclosure statement required under section 1679c of this title;…”
— 15 U.S.C. § 1679e(3) — 1 case
Carrington, Dennis v. Experian Info. Solutions, Inc. (W.D. Wis. 2020). “15 U.S.C.A. § 1679e(3). Consumer Services contends that Carrington’s claim under § 1679e(3) fails for the same reason as his claim under § 1679b(a)(4): Experian is not a “credit repair organization.”
— 15 U.S.C. § 1679e(a) — 3 cases
Greenwood v. CompuCredit Corp., 615 F.3d 1204 (9th Cir. 2010). “§ 1681i provides a consumer with the right to obtain a copy of his credit report, and 15 U.S.C. § 1679e(a) provides a consumer with the right to cancel a contract with a credit repair organization within three business days.”
Fed. Trade Comm'n v. RCA Credit Servs., LLC, 727 F. Supp. 2d 1320 (M.D. Fla. 2010). “See 15 U.S.C. § 1679e(a), (b). It is undisputed that Defendants never provided this mandated disclosure in the prescribed form.”
Rex v. CSA-Credit Solutions of Am., Inc., 507 F. Supp. 2d 788 (W.D. Mich. 2007). “1679g(a) (providing that a consumer may bring a civil claim against a credit repair organization that violates the CROA, as described in § 1679c(a) ¶ 4); 15 U.S.C.A. § 1679e(a) (West 2007) (providing that a consumer may cancel a contract with a credit repair organization within…”
— 15 U.S.C. § 1679e(b) — 2 cases
Zimmermann v. Cambridge Credit Counseling Corp., 529 F. Supp. 2d 254 (D. Mass. 2008). “§ 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 statement” regarding cancellation rights; and (3) give consumers a separate cancellation form…”
Fed. Trade Comm'n v. RCA Credit Servs., LLC, 727 F. Supp. 2d 1320 (M.D. Fla. 2010). “See 15 U.S.C. § 1679e(a), (b). It is undisputed that Defendants never provided this mandated disclosure in the prescribed form.”
— 15 U.S.C. § 1679e(c) — 1 case
Hillis v. Equifax Consum. Servs., Inc., 237 F.R.D. 491 (N.D. Ga. 2006). “§ 1679d; and (4) failing to provide written notices of cancellation rights in violation of 15 U.S.C. § 1679e. Plaintiff also contends that Defendants made untrue or misleading representations regarding their credit repair services in violation of 15 U.”
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