Consumer credit law reference
Virginia Credit Dispute Laws
Virginia requires CSOs to register with the AG and post a $5,000 bond. Willful violations are Class 1 misdemeanors and carry treble-damages exposure.
Primary state statute
Virginia Credit Services Businesses Act
Va. Code § 59.1-335.1 et seq.
Regulator: Virginia Office of the Attorney General — Consumer Protection Section
What Virginia adds on top of the federal FCRA
- •Registration + $5,000 bond
- •No advance fees
- •5-day cancellation right
- •Class 1 misdemeanor for willful violations
Dispute inaccurate items on your Virginia credit report
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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 Virginia.