Consumer credit law reference
North Dakota Credit Dispute Laws
North Dakota requires CSOs to register with the AG and post a $50,000 bond, with a 5-day contract cancellation right.
Primary state statute
North Dakota Credit Services Organization Act
N.D.C.C. § 13-05.2
Regulator: North Dakota Attorney General — Consumer Protection
What North Dakota adds on top of the federal FCRA
- •Registration + $50,000 bond
- •No advance fees
- •5-day cancellation right
Dispute inaccurate items on your North Dakota credit report
Vindex Intelligence drafts FCRA-cited dispute letters for North Dakota 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 North Dakota.