ESCRA Act
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Summary
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 prohibits credit repair organizations from making false statements to federal agencies, requires payment only after documented results are achieved, restricts repeated dispute submissions without proper investigation, and mandates state licensing. It also establishes new disclosure requirements, communication standards with credit bureaus, and increases civil liability penalties to $500 per violation.
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