Federal cancellation right
Section 1679e provides a right to cancel a covered contract until midnight of the third business day after signing.
15 U.S.C. § 1679eCredit Repair Organizations Act
Select any section to read the current official text. The briefing beside each citation is a short educational orientation only; applicability, exceptions, dates, and remedies must be confirmed in the linked source and with qualified counsel when needed.
Scope at a glance
- Businesses that fall within the federal definition of a credit repair organization
- Representations about improving a consumer’s credit record, history, or rating
- Covered disclosures, agreements, payments, and cancellation rights
Key protections
- Prohibitions on specified misleading statements and practices
- Required consumer disclosures and written-contract terms
- A statutory cancellation right
- Civil and administrative enforcement provisions
Evaluate an offer for credit-improvement services
Determine what the company promises, what it charges, and whether the offer may be covered by federal and state law.
- 01
Keep every advertisement, message, disclosure, agreement, receipt, and cancellation record.
- 02
Reject guarantees, instructions to dispute accurate information, identity manipulation, or requests to misstate facts.
- 03
Compare the agreement and disclosure to §§ 1679c–1679e.
- 04
Review free self-help options before paying.
- 05
Consult qualified counsel about coverage, cancellation, payments, or suspected violations.
Timeline reference
Read before acting
Important information
- CROA coverage is fact-specific.
- State licensing, bonding, contract, fee, and cancellation rules may add requirements.
- No organization can lawfully guarantee removal of accurate, current information.
Related regulations
No single CFR center is assigned here; check the official subchapter and applicable agency guidance.
Official help
FTC — Credit Repair Organizations Act↗Subchapter II-A
§§ 1679–1679jAll sections
15 U.S.C. § 1679
Findings and purposes
Provides the federal statutory framework concerning findings and purposes. Open the official U.S. Code text for the operative language, definitions, exceptions, and amendments.
Read 15 U.S.C. § 1679 at the official U.S. Code ↗15 U.S.C. § 1679a
Definitions
Provides the federal statutory framework concerning definitions. Open the official U.S. Code text for the operative language, definitions, exceptions, and amendments.
Read 15 U.S.C. § 1679a at the official U.S. Code ↗15 U.S.C. § 1679b
Prohibited practices
Provides the federal statutory framework concerning prohibited practices. Open the official U.S. Code text for the operative language, definitions, exceptions, and amendments.
Read 15 U.S.C. § 1679b at the official U.S. Code ↗15 U.S.C. § 1679c
Disclosures
Provides the federal statutory framework concerning disclosures. Open the official U.S. Code text for the operative language, definitions, exceptions, and amendments.
Read 15 U.S.C. § 1679c at the official U.S. Code ↗15 U.S.C. § 1679d
Credit repair organizations contracts
Provides the federal statutory framework concerning credit repair organizations contracts. Open the official U.S. Code text for the operative language, definitions, exceptions, and amendments.
Read 15 U.S.C. § 1679d at the official U.S. Code ↗15 U.S.C. § 1679e
Right to cancel contract
Provides the federal statutory framework concerning right to cancel contract. Open the official U.S. Code text for the operative language, definitions, exceptions, and amendments.
Read 15 U.S.C. § 1679e at the official U.S. Code ↗15 U.S.C. § 1679f
Noncompliance with this subchapter
Provides the federal statutory framework concerning noncompliance with this subchapter. Open the official U.S. Code text for the operative language, definitions, exceptions, and amendments.
Read 15 U.S.C. § 1679f at the official U.S. Code ↗15 U.S.C. § 1679g
Civil liability
Provides the federal statutory framework concerning civil liability. Open the official U.S. Code text for the operative language, definitions, exceptions, and amendments.
Read 15 U.S.C. § 1679g at the official U.S. Code ↗15 U.S.C. § 1679h
Administrative enforcement
Provides the federal statutory framework concerning administrative enforcement. Open the official U.S. Code text for the operative language, definitions, exceptions, and amendments.
Read 15 U.S.C. § 1679h at the official U.S. Code ↗15 U.S.C. § 1679i
Statute of limitations
Provides the federal statutory framework concerning statute of limitations. Open the official U.S. Code text for the operative language, definitions, exceptions, and amendments.
Read 15 U.S.C. § 1679i at the official U.S. Code ↗15 U.S.C. § 1679j
Relation to State law
Provides the federal statutory framework concerning relation to State law. Open the official U.S. Code text for the operative language, definitions, exceptions, and amendments.
Read 15 U.S.C. § 1679j at the official U.S. Code ↗