Consumer credit law reference
Indiana Credit Dispute Laws
Indiana bars advance fees, requires a $25,000 surety bond, and gives consumers a 3-day right to cancel any credit-services contract.
Primary state statute
Indiana Credit Services Organizations Act
Ind. Code § 24-5-15
Regulator: Indiana Attorney General — Consumer Protection Division
What Indiana adds on top of the federal FCRA
- •No advance fees
- •$25,000 bond
- •3-day cancellation right
- •AG enforcement
Dispute inaccurate items on your Indiana credit report
Vindex Intelligence drafts FCRA-cited dispute letters for Indiana residents in minutes, tracks the 30-day bureau reinvestigation window, and escalates unresolved items to the CFPB.
Neighboring states
View all 50 statesThis page is general legal information, not legal advice. Statute numbers are current as of 2026 — verify before litigating. For legal advice specific to your situation, consult a licensed attorney in Indiana.