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The Ending Scam Credit Repair Act (ESCRA Act) amends the Credit Repair Organizations Act to strengthen consumer protections against fraudulent credit repair practices. The bill expands the definition of credit repair organizations, prohibits misleading statements and deceptive practices like repeated dispute filing ("jamming"), and requires credit repair organizations to demonstrate results before collecting payment. It also mandates enhanced disclosures, requires state licensing of credit repair organizations by January 1, 2026, establishes communication standards for disputes with credit furnishers, and increases civil liability penalties to include statutory damages of $500 per violation.
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