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15 U.S.C. § 1679

Title 15Chapter 41Current through PL 116-220~1 min readLast updated: March 30, 2026View on OLRC →
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§ 1679. Findings and purposes

  • (a) The Congress makes the following findings:
    • (1) Consumers have a vital interest in establishing and maintaining their credit worthiness and credit standing in order to obtain and use credit. As a result, consumers who have experienced credit problems may seek assistance from credit repair organizations which offer to improve the credit standing of such consumers.
    • (2) Certain advertising and business practices of some companies engaged in the business of credit repair services have worked a financial hardship upon consumers, particularly those of limited economic means and who are inexperienced in credit matters.
  • (b) The purposes of this subchapter are—
    • (1) to ensure that prospective buyers of the services of credit repair organizations are provided with the information necessary to make an informed decision regarding the purchase of such services; and
    • (2) to protect the public from unfair or deceptive advertising and business practices by credit repair organizations.

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