**(a) In general** Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of—
(1)
(A) any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; or
(B) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;
(2) such amount of punitive damages as the court may allow; and
(3) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney’s fees as determined by the court.
**(b) Civil liability for knowing noncompliance** Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or $1,000, whichever is greater.
**(c) Attorney’s fees** Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney’s fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
**(d) Clarification of willful noncompliance** For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between December 4, 2004, and June 3, 20
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Stable record: federal_law:legal_authorities:record_usc_45b923c83ce05e1d362d3c38 Source file: Laws/federal/codes/united-states-code/title-15/section-1681n-civil-liability-for-willful-noncompliance--ec0575aafc.md Pages: Not recorded – Not recorded Passage SHA-256: fc0af187e3fcdc9e52e4d86e8331cfe8a9d84866adb753b91107732e3e3074b7 Retained source evidence SHA-256: eec4c58117ee5ad0be723b409c5a21018669c0387b7e7187b8b6d06580983cca
Source location: Title 15, Chapter 41, § 1681n; chapter-041-consumer-credit-protection.md
Stored source content
**(a) In general** Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of—
(1)
(A) any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; or
(B) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;
(2) such amount of punitive damages as the court may allow; and
(3) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney’s fees as determined by the court.
**(b) Civil liability for knowing noncompliance** Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or $1,000, whichever is greater.
**(c) Attorney’s fees** Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney’s fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
**(d) Clarification of willful noncompliance** For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between December 4, 2004, and June 3, 2008, but otherwise complied with the requirements of [section 1681c(g) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681c/g&num=0&edition=prelim) for such receipt shall not be in willful noncompliance with [section 1681c(g) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681c/g&num=0&edition=prelim) by reason of printing such expiration date on the receipt.
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Federal law — U.S. Code and appendices · legal_authorities
§ 1681n. Civil liability for willful noncompliance
(a) In general
Any person who willfully fails to comply with
any requirement imposed under this subchapter
with respect to any consumer is liable to that
consumer in an amount equal to the sum of—
(1)(A) any actual damages sustained by the
consumer as a result of the failure or damages
of not less than $100 and not more than $1,000;
or
(B) in the case of liability of a natural per-
son for obtaining a consumer report under
false pretenses or knowingly without a per-
missible purpose, actual damages sustained by
the consumer as a result of the failure or
$1,000, whichever is greater;
(2) such amount of punitive damages as the
court may allow; and
(3) in the case of any successful action to en-
force any liability under this section, the
costs of the action together with reasonable
attorney’s fees as determined by the court.
(b) Civil liability for knowing noncompliance
Any person who obtains a consumer report
from a consumer reporting agency under false
pretenses or knowingly without a permissible
purpose shall be liable to the consumer report-
ing agency for actual damages sustained by the
consumer reporting agency or $1,000, whichever
is greater.
(c) Attorney’s fees
Upon a finding by the court that an unsuccess-
ful pleading, motion, or other paper filed in con-
nection with an action under this section was
filed in bad faith or for purposes of harassment,
the court shall award to the prevailing party at-
torney’s fees reasonable in relation to the work
expended in responding to the pleading, motion,
or other paper.
(d) Clarification of willful noncompliance
For the purposes of this section, any person
who printed an expiration date on any receipt
provided to a consumer cardholder at