50-state reference

Credit dispute laws by state

The federal Fair Credit Reporting Act sets a floor — most states layer on their own credit-services statute, bond requirements, contract-cancellation rights, and treble-damages remedies. Pick your state to see what applies.

• Alabama(AL)
• Alaska(AK)
• Arizona(AZ)
• Arkansas(AR)
• California(CA)
• Colorado(CO)
• Connecticut(CT)
• Delaware(DE)
• Florida(FL)
• Georgia(GA)
• Hawaii(HI)
• Idaho(ID)
• Illinois(IL)
• Indiana(IN)
• Iowa(IA)
• Kansas(KS)
• Kentucky(KY)
• Louisiana(LA)
• Maine(ME)
• Maryland(MD)
• Massachusetts(MA)
• Michigan(MI)
• Minnesota(MN)
• Mississippi(MS)
• Missouri(MO)
• Montana(MT)
• Nebraska(NE)
• Nevada(NV)
• New Hampshire(NH)
• New Jersey(NJ)
• New Mexico(NM)
• New York(NY)
• North Carolina(NC)
• North Dakota(ND)
• Ohio(OH)
• Oklahoma(OK)
• Oregon(OR)
• Pennsylvania(PA)
• Rhode Island(RI)
• South Carolina(SC)
• South Dakota(SD)
• Tennessee(TN)
• Texas(TX)
• Utah(UT)
• Vermont(VT)
• Virginia(VA)
• Washington(WA)
• West Virginia(WV)
• Wisconsin(WI)
• Wyoming(WY)

General legal information, not legal advice. Verify statute numbers before relying on them for litigation.