US SB4144

Credit repair organizations cannot collect payment until 180 days after services are rendered and must provide documented proof via consumer report that promised credit improvements were actually achieved

Prohibits "jamming" tactics where organizations submit multiple disputes of the same information without waiting for investigation results, receiving responses, or including specific descriptions of inaccuracies

Requires state licensing for all credit repair organizations operating on or after January 1, 2026, and mandates retention of consumer records and phone recordings for 5 years (increased from 2 years)

Dispute letters must identify the credit repair organization by name, state license number, and include a disclosure stating the communication was prepared by a credit repair organization

Establishes $500 in damages per violation and expands prohibited practices to include making false statements to the CFPB, FTC, or any federal, state, local, or tribal law enforcement agency