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Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
2026-07-06 10:51:44 -04:00

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LegalText 15 U.S.C. § 1681p Jurisdiction of courts; limitation of actions us united_states_code code_section 15 COMMERCE AND TRADE 41 CONSUMER CREDIT PROTECTION 1681p 15 U.S.C. § 1681p current 119-100 2026-06-26 official https://uscode.house.gov/download/releasepoints/us/pl/119/100/xml_usc15@119-100.zip /us/usc/t15/s1681p data/legal/raw/us/code/title-15/usc15.xml 7e86551f3b131de64536b7fc41c5ed9e0d77bab74e8172f5f02f90da884c1dac 6982338d990ef19d6b52bff6825089bdd6d0ee1233d9382673faf533decd5059 dbb7d81e17deee8ba449a48269776a3a69ebd58d1c1ea7eb55bda4e45e3eac8c 2026-07-04 official
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15 U.S.C. § 1681p - Jurisdiction of courts; limitation of actions

Text

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.

(Pub. L. 90321, title VI, § 618, as added Pub. L. 91508, title VI, § 601, Oct. 26, 1970, 84 Stat. 1134; amended Pub. L. 108159, title I, § 156, Dec. 4, 2003, 117 Stat. 1968.)

Notes

Editorial Notes

Amendments2003—Pub. L. 108159 reenacted section catchline without change and amended text generally. Prior to amendment, text read as follows: “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, within two years from the date on which the liability arises, except that where a defendant has materially and willfully misrepresented any information required under this subchapter to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendants liability to that individual under this subchapter, the action may be brought at any time within two years after discovery by the individual of the misrepresentation.”

Statutory Notes and Related Subsidiaries

Effective Date of 2003 AmendmentAmendment by Pub. L. 108159 subject to joint regulations establishing effective dates as prescribed by Federal Reserve Board and Federal Trade Commission, except as otherwise provided, see section 3 of Pub. L. 108159, set out as a note under section 1681 of this title.

Effective DateSection effective upon the expiration of one hundred and eighty days following Oct. 26, 1970, see section 504(d) of Pub. L. 90321, as added by Pub. L. 91508, set out as a note under section 1681 of this title.