Consumer credit law reference
Massachusetts Credit Dispute Laws
Massachusetts requires CSO registration, prohibits advance fees, and layers Chapter 93A on top for double or triple damages on knowing violations.
Primary state statute
Massachusetts Credit Services Organizations Act
M.G.L. ch. 93 § 68A et seq.
Regulator: Massachusetts Office of Consumer Affairs & Business Regulation
What Massachusetts adds on top of the federal FCRA
- •Mandatory registration
- •No advance fees
- •5-day cancellation right
- •Chapter 93A double/triple damages
Dispute inaccurate items on your Massachusetts credit report
Vindex Intelligence drafts FCRA-cited dispute letters for Massachusetts 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 Massachusetts.