About: Credit Repair Organizations Act

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The US Credit Repair Organizations Act ("CROA") is Title IV of the Consumer Credit Protection Act. Despite its name, it is not actually an act; Section 401 states, however, it can be referred to as "Credit Repair Organizations Act". The statute was signed by President Bill Clinton on September 30, 1996. The law was intended to prevent credit repair organizations from engaging in unfair business practices which may result in financial hardship for consumers, particularly those of limited economic means or who are uneducated.

Attributes	Values
rdf:type	person
rdfs:label	Credit Repair Organizations Act (en)
rdfs:comment	The US Credit Repair Organizations Act ("CROA") is Title IV of the Consumer Credit Protection Act. Despite its name, it is not actually an act; Section 401 states, however, it can be referred to as "Credit Repair Organizations Act". The statute was signed by President Bill Clinton on September 30, 1996. The law was intended to prevent credit repair organizations from engaging in unfair business practices which may result in financial hardship for consumers, particularly those of limited economic means or who are uneducated. (en)
dcterms:subject	United States federal financial legislation
Wikipage page ID	24618819 (xsd:integer)
Wikipage revision ID	1124926915 (xsd:integer)
Link from a Wikipage to another Wikipage	United States federal financial legislation Bill Clinton Legal liability Regulatory compliance United States Government Publishing Office Advertising Consumer Credit Protection Act Unfair business practices
Link from a Wikipage to an external page	https://www.govinfo.gov/app/details/COMPS-260/ https://www.govinfo.gov/content/pkg/COMPS-260/pdf/COMPS-260.pdf https://www.govinfo.gov/content/pkg/COMPS-260/uslm/COMPS-260.xml https://helpinghandsfinancialsolutions.net/ https://www.govinfo.gov/help/comps
sameAs	Credit Repair Organizations Act Credit Repair Organizations Act Credit Repair Organizations Act
dbp:wikiPageUsesTemplate	dbt:Refimprove
has abstract	The US Credit Repair Organizations Act ("CROA") is Title IV of the Consumer Credit Protection Act. Despite its name, it is not actually an act; Section 401 states, however, it can be referred to as "Credit Repair Organizations Act". The statute was signed by President Bill Clinton on September 30, 1996. The law was intended to prevent credit repair organizations from engaging in unfair business practices which may result in financial hardship for consumers, particularly those of limited economic means or who are uneducated. The purposes of the Credit Repair Organizations Act is to ensure that prospective buyers of credit repair services from credit repair organizations are provided with the information necessary to make an informed decision. It intends to protect the public from unfair or deceptive advertising and business practices by credit repair organizations. It enumerates prohibited practices, required disclosures, contract requirements, liability, and penalties for non-compliance and procedure to report non-compliance. One of the more important areas covered by CROA is how credit repair organizations can get paid. It is the general consensus that a credit repair company can only be paid after services have been rendered. This can be done using a monthly fee model where companies charge clients on a monthly basis after services are rendered or on the more modern pay after deletion model where clients only pay after items are deleted from the credit report. Companies that charge excess "setup" fees or all of their fees upfront violate the provisions of CROA. (en)
gold:hypernym	IV
prov:wasDerivedFrom	wikipedia-en:Credit_Repair_Organizations_Act?oldid=1124926915&ns=0
page length (characters) of wiki page	3272 (xsd:nonNegativeInteger)
foaf:isPrimaryTopicOf	wikipedia-en:Credit_Repair_Organizations_Act
is Link from a Wikipage to another Wikipage of	2011 term United States Supreme Court opinions of Antonin Scalia 2011 term United States Supreme Court opinions of Ruth Bader Ginsburg 2011 term United States Supreme Court opinions of Sonia Sotomayor Consumer Credit Protection Act of 1968 Credit repair organizations act CRO Seasoned tradeline Title 15 of the United States Code
is Wikipage redirect of	Credit repair organizations act
is Wikipage disambiguates of	CRO
is foaf:primaryTopic of	wikipedia-en:Credit_Repair_Organizations_Act

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