Source: https://www.contact-usa.com/croa.htm
Timestamp: 2019-04-25 06:43:59+00:00

Document:
SEC. 2451. REGULATION OF CREDIT REPAIR ORGANIZATIONS.
(2) a copy of any other document the credit repair organization requires the consumer to sign, at the time the contract or the other document is signed.
(A) Notice to commission.--The State shall serve prior written notice of any civil action under paragraph (1) upon the Federal Trade Commission and provide the Commission with a copy of its complaint, except in any case where such prior notice is not feasible, in which case the State shall serve such notice immediately upon instituting such action.
(B) is material to the establishment of the credit repair organization's liability to the consumer under this title, the end of the 5-year period beginning on the date of the discovery by the consumer of the misrepresentation.
This title shall apply after the end of the 6-month period beginning on the date of the enactment of the Credit Repair Organizations Act,(17) except with respect to contracts entered into by a credit repair organization before the end of such period.
1. Pub. L. No. 104-208, 110 Stat. 3009 (Sept. 30, 1996). The amendments to the credit statutes are in Title II of the Act, entitled "Economic Growth and Regulatory Paperwork Reduction." Section 401 is not codified in U.S. Code. The footnotes in this copy of the Act are not part of the Act, but are cross-references inserted by the FTC staff for the convenience of the reader.
2. 15 U.S.C. § 1679.
3. 15 U.S.C. § 1679a.
4. Truth in Lending Act § 103(f) states in pertinent part: "The term 'creditor' refers only to creditros who regularly extend, or arrange for the extension of, credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, whether in connection with loans, sales pf property or services, or otherwise. . . ."
5. TILA § 103(e) states: "The term 'credit' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment."
6. 15 U.S.C. § 1679b.
7. Fair Credit Reporting Act (FCRA) § 603(f) states: "The term 'consumer reporting agency' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports."
8. 15 U.S.C. § 1679c.
9. 15 U.S.C. § 1679d.
10. 15 U.S.C. § 1679e.
11. 15 U.S.C. § 1679f.
12. 15 U.S.C. § 1679g.
13. 15 U.S.C. § 1679h.
14. 15 U.S.C. § 1679i.
15. 15 U.S.C. § 1679j.
16. Not codified in United States Code. Cite to Pub. L. 104-28, Div. A, title II, § 2451, Section 413, 110 Stat. 3009.
17. The statute was signed by the President on September 30, 1996.

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 § 2451