(D) obtain such other legal and equitable 
relief as the court may consider to be appro-
priate. 
(2) NOTICE.—Before filing an action under this 
subsection, the attorney general of the State involved 
shall provide to the Commission and to the Attorney 
General a written notice of that action and a copy 
of the complaint for that action. If the State attor-
ney general determines that it is not feasible to pro-
vide the notice described in this subparagraph before 
the filing of the action, the State attorney general 
shall provide the written notice and the copy of the 
complaint to the Commission and to the Attorney 
General as soon after the filing of the complaint as 
practicable. 
(3) COMMISSION AND ATTORNEY GENERAL AU-
THORITY.—On receiving notice under paragraph (2), 
the Commission and the Attorney General each shall 
have the right— 
(A) to move to stay the action, pending the 
final disposition of a pending Federal matter as 
described in paragraph (4); 
(B) to intervene in an action under para-
graph (1); and 
(C) to file petitions for appeal.
(4) PENDING CRIMINAL PROCEEDINGS.—If the 
Attorney General has instituted a criminal pro-
ceeding or the Commission has instituted a civil ac-
tion for a violation of this Act or any regulations 
thereunder, no State may, during the pendency of 
such proceeding or action, bring an action under this 
subsection against any defendant named in the 
criminal proceeding or civil action for any violation 
that is alleged in that proceeding or action. 
(5) RULE OF CONSTRUCTION.—For purposes of 
bringing any civil action under paragraph (1), noth-
ing in this Act shall be construed to prevent an at-
torney general of a State from exercising the powers 
conferred on the attorney general by the laws of that 
State to conduct investigations, administer oaths 
and affirmations, or compel the attendance of wit-
nesses or the production of documentary and other 
evidence. 
(c) PRIVATE RIGHT OF ACTION.— 
(1) IN GENERAL.—Any individual injured by an 
act in violation of the regulations promulgated under 
section 2, if otherwise permitted by the laws or rules 
of the court of a State, bring in an appropriate court 
of that State— 
(A) an action to enjoin such violation;
(B) an action to recover for actual mone-
tary loss from such a violation, or to receive up 
to $1000 in damages for each such violation, 
whichever is greater; or 
(C) both such actions. 
(2) LIMITATION.—An action may be com-
menced under this subsection within 2 years after 
the date on which the alleged violation occurred, ex-
cept that where a defendant has materially and will-
fully misrepresented or disclosed any information 
under this Act or the regulations promulgated pur-
suant to this Act and the information so misrepre-
sented or disclosed is material to the establishment 
of the defendant’s liability under this Act or such 
regulations, the action may be brought by the indi-
vidual under paragraph (1) at any time within 3 
years after discovery by the individual of the mis-
representation or disclosure. 
(3) NONEXCLUSIVE REMEDY.—The remedy pro-
vided under this subsection shall be in addition to 
any other remedies available to the individual. 
SEC. 5. RELATION TO OTHER LAWS. 
(a) FAIR CREDIT REPORTING ACT.—Nothing in this 
Act or the regulations promulgated under this Act shall 
be construed to modify, limit or supersede the operation