15 U.S.C. 1681p FCRA · Chapter 41: CONSUMER CREDIT PROTECTION

15 U.S.C. 1681p FCRA: Jurisdiction of courts; limitation of actions

United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026.

Amended by Pub. L. 108-159 (FACTA), according to the source credit.

An action to enforce any liability created under this subchapter may be brought in any appropriate United States district court, without regard to the amount in controversy, or in any other court of competent jurisdiction, not later than the earlier of⁠—

(1)

2 years after the date of discovery by the plaintiff of the violation that is the basis for such liability; or

(2)

5 years after the date on which the violation that is the basis for such liability occurs.

Source: United States Code, title 15, published by the Office of the Law Revision Counsel of the U.S. House of Representatives (uscode.house.gov), release point 119-136. The editorial and statutory notes are not reproduced.

Source credit: ( Pub. L. 90-321, title VI, § 618 , as added Pub. L. 91-508, title VI, § 601 , Oct. 26, 1970 , 84 Stat. 1134 ; amended Pub. L. 108-159, title I, § 156 , Dec. 4, 2003 , 117 Stat. 1968 .)

15 U.S.C. 1681p on the Office of the Law Revision Counsel

United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026.

This is reference material, not legal advice.

Official text